Multi-currency & Travel Cards
Keeps your milesAmaze
A card by Instarem that links your existing cards to dodge FX fees while keeping rewards.
By Marcus Tan·Verified
The verdict
Amaze is the smart pick for travellers who have a strong miles or cashback credit card and do not want to give up those rewards. If you prefer the simplicity of a single pre-loaded wallet, YouTrip is more straightforward.
What’s good
- Lets you keep earning miles or cashback on your existing rewards credit card.
- No annual fee and competitive FX rates.
- No need to pre-load a wallet — it draws on your linked card.
Worth noting
- Setup is slightly more involved than a standalone wallet card.
- FX markup, while small, is not always zero.
- Acceptance and behaviour depend on your underlying card.
The details
- Starting price
- S$0.00
- Pricing model
- free
- Annual fee
- None
- FX markup
- Small markup near interbank rates — check current rate
- Underlying card billing
- Spend is billed in SGD to your linked card
- Issuer
- Instarem / Amaze (Singapore)
- How it works
- Links existing Visa/Mastercard credit or debit cards
- Rewards
- You keep miles/cashback from the linked card
- Mobile wallet
- Apple Pay and Google Pay supported
Pricing notes. No annual fee. Amaze links to your existing Visa or Mastercard, converts foreign spend at competitive rates, then charges your underlying card.
GST. No GST on currency conversion. Purchases are taxed in the country where they are made.
About Amaze
Amaze, from Singapore-based Instarem, takes a clever angle on the FX-fee problem. Instead of being a prepaid wallet, it links to the Visa or Mastercard you already own, converts your overseas spend at a competitive rate, and bills your underlying card in SGD. The pay-off for Singaporean travellers: you avoid the usual 3%+ bank FX fee while still earning the miles or cashback your rewards card gives.
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