Earn Max Miles with the Chocolate Visa Debit Card

Important: The rewards mechanics and promotional details in this article were accurate when published and may have changed. Please check the latest HeyMax and Chocolate Finance terms before acting.

If you’re looking for a simple way to earn miles on almost everything you spend—including those “hard-to-earn” categories like utilities, insurance, education, and even donations—then the Chocolate Visa Debit Card might be the perfect addition to your wallet.

Starting from now, Chocolate Finance Visa Debit cardholders can earn Max Miles on eligible purchases, including dining, groceries, utilities, insurance, school fees, and donations—categories that most debit cards don’t reward!

Here’s how the earn rates work:

• 2 Max Miles per S$1 on your first S$1,000 spent each month

• 0.4 Max Miles per S$1 on any amount above that S$1,000 cap

This monthly bonus resets on the first day of each calendar month, meaning that every month you start fresh with another S$1,000 that earns 2 MPD.

Get rewarded on “Hard to Earn” categories

One of the biggest perks of the Chocolate Visa Debit Card + HeyMax combo is earning 2 mpd on categories that are usually excluded by other cards. That includes expenses like insurance premiums, utility bills, education fees, government services, and even donations—all of which typically earn no points or miles elsewhere. 

Example: Turn Your Insurance Payments into a Getaway

Imagine you have an annual insurance premium of S$3,000. Many insurers let you break this amount into monthly installments. If you opt to pay S$1,000 a month for three months, you could earn:

• 2 Max Miles per S$1

• S$1,000 spend × 2 miles per dollar = 2,000 Max Miles each month

• Over 3 months, that’s 6,000 Max Miles total

Depending on the airline you transfer your Max Miles to (or how you redeem them), 6,000 miles can often score you a round-trip to Bali in Economy—essentially a free getaway, just for paying your insurance in installments instead of a lump sum!

(Always check if your insurer charges fees for monthly payments. Even then, the miles earned could offset or outweigh those additional costs, depending on your personal valuation of miles.)

By leveraging the Chocolate Card for these everyday (and often large) expenses, you’ll rack up significant Max Miles without altering your spending habits. It’s the simplest way to earn premium travel rewards on categories you were already paying for! Just with a much better return.

Here's how to earn

1. Open a Chocolate Finance Account

If you haven’t done so already, download the Chocolate Finance app and register using SingPass MyInfo (for Singapore-based users). Once your Chocolate Finance account is set up, you can easily top it up with funds.

Pro Tip:
Add enough funds to cover your daily spending. Remember, this is a debit card, so transactions will deduct directly from your Chocolate account balance.

2. Order Your Chocolate Visa Debit Card

In the Chocolate Finance app, request a physical Chocolate Visa Debit Card (or opt for a virtual one, if that suits your needs better).

• The virtual card is issued instantly—you can start spending right away using Apple Pay or Google Pay.

• The physical card typically arrives in 5–7 days.

3. Link Your Chocolate Card with HeyMax

Once you have your new Chocolate Card, follow these steps to link it with HeyMax:

1. Open the HeyMax app and head to the “My Cards” tab.

2. Tap “Add Cards” and select Chocolate Card from the list.

3. Verify your card with a S$0.01 test charge (refunded within 14 days).

That’s it! Once your card is verified, you’re all set to earn Max Miles.

Start earning 2 Max Miles per S$1 instantly

Once you've linked and verified your card, you're good to go! Every eligible purchase with your Chocolate Visa Debit Card now earns:

• 2 Max Miles per S$1 on the first S$1,000 of spend each calendar month

• 0.4 Max Miles per S$1 for any spending beyond S$1,000

You’ll see your Max Miles tracked in your HeyMax account as soon as each transaction is charged. The miles will be officially credited once the transaction settles (usually within 1–7 days, depending on the merchant).

What counts as an eligible purchase?

One of the Chocolate Card’s biggest perks is how broadly it rewards spending. As long as the Merchant Category Code (MCC) isn’t in the exclusion list (like money transfers, prepaid wallet top-ups, and other “quasi-cash” transactions), you’ll earn Max Miles. This means transactions on your AXS bills, insurance premiums, hospital bills, education fees, donations, and more can potentially earn you miles.

Tips for Maximizing Your Max Miles

1. Prioritize “Hard to Earn” Categories: Use your S$1,000 “2 mpd” allocation on categories that typically don’t earn rewards on other cards, like insurance or utilities.

2. Check Your Monthly Reset: The 2 mpd cap resets on the 1st day of each month. If you’re close to hitting the limit near the end of the month, wait until the 1st to start fresh on big expenses.

3. Lock Your Debit Card When Not in Use: Because it’s a debit card, funds are taken from your account immediately. To guard against fraud, lock or freeze your card in the Chocolate Finance app when you’re not actively using it.

Conclusion

With no annual fees and rewards on categories that other debit cards usually skip, the Chocolate Finance Visa Debit Card linked to a HeyMax account offers an attractive way to turn everyday spending into Max Miles. You’ll enjoy the flexibility of redeeming these miles across 27 airline and hotel partners — with no fees, no expiration, and flexible redemption options — or even redeeming Max Miles for any airline through HeyMax’s Fly Anywhere program (conversion rates vary by carrier).

Apply, Link & Earn in 3 Simple Steps

1. Open a Chocolate account, if you haven't already. Add money, then get yourself a Chocolate card. 

2. Link your Chocolate card to HeyMax.

3. Start earning Max Miles on virtually all your spend!

Happy earning!

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