Probably the best FX rates in town.

The only Visa debit card that combines zero FX fees, 1 Max Mile by HeyMax for almost every S$1 spent, and a happy 3% p.a. return on your cash. Travel, shop, and earn with transparency and competitive rates. Because making life richer starts with spending smarter.

Get your hands on one now

Enjoy the unique combination of zero FX fees, 1 Max Mile per S$1, and a happy 3% p.a. return on your first S$20k — all with one debit card.

Zero FX fees.

Currency

Our rates

Rates on Google

🇲🇾 MYR

3.33

3.30

🇹🇭 THB

25.83

25.61

🇯🇵 JPY

113.58

112.65

🇺🇸 USD

0.772

0.769

🇪🇺 EUR

0.693

0.689

Our displayed rates were calculated by taking the average exchange rates from 12 May 2025 – 18 May 2025. They are indicative and subject to change without prior notice. Actual exchange rates may vary due to market fluctuations and we do not guarantee the accuracy, timeliness, or availability of the rates provided. Terms and conditions apply.

1 mile
for every S$1 spent.

With the Chocolate Visa debit card, get 1 HeyMax Max Mile per S$1 on your first S$1,000 spend each month and 0.4 Max Miles per S$1 thereafter — no cap. Bill payments earn miles too, but are capped at 100 miles per month. Plus, we’re now rewarding savers even more! The more you save, the more miles you earn with our Miles Multiplier! Scroll down to learn more.

All the while, still enjoying zero FX on overseas spend and enjoying a happy 3% p.a. on the first S$20k - no debt, no stress, just smarter rewards for your everyday purchases (unlike the feeling of spending with credit cards that rack up debt while you spend!) Hello, smart spending!

Introducing Miles Multiplier

Spend. Save. Boost. Repeat.

We’re rewarding savers with something new: a Miles Multiplier. Every dollar you spend earns miles. And now, every dollar you save multiplies your miles.

Earn bonus Max Miles on your card spend, based on your average Chocolate balance at the end of each month (combined monthly average balance across SGD & USD). The more you save, the more every dollar you spend rewards you.

No complicated hoops. No confusing categories. Just smarter rewards for good habits.

💡 Multiplier miles are credited to your Max Miles account within the first week of the following month – automatically, no action needed.

Here’s how it works

Example: You spend S$1,000 = you earn 1,000 Max Miles. Then, at the end of the month, the multiplier does its magic.

Why you shouldn’t apply for the Chocolate Card 😉

You like missing out on earning daily returns while you spend.

Nobody likes missing out on happy daily returns!

Spend with your Chocolate debit card while your money continues to enjoy a happy 3% p.a. on your first S$20k, 2.7% p.a. on your next S$30k and a target 2.7% p.a. on any amount thereafter. See your returns every, single, day.

You like finding out that your friend paid less SGD for the same thing you bought together on your trip.

Yep, they used their Chocolate Visa Debit card with zero FX fees.

The Chocolate card has probably the best FX rates in town. Shop overseas or splurge online with zero FX fee.

You don’t like effortlessly earning Max Miles on every card spend.

Who wouldn’t want to rack up miles?

Enjoy 1 Max Miles for every S$1 spent up to your first S$1,000 spend per month. After that, keep earning at 0.4 heymax miles per S$1. Bill payments earn miles too, but are capped at 100 miles per month. Check out HeyMax’s benefits for yourself.

Terms and conditions apply.

Amazon USA

S$241.00 card spend.

1m ago

Tully’s coffee

S$5.70 card spend.

1m ago

Total control, total peace of mind.

Stay in the know

Get real-time notifications for every card transaction. Whether you're at home or abroad, you'll always know how, when, and where your money is being spent.

Freeze in a tap

Lost your card or need a break from spending? Instantly freeze and unfreeze your Chocolate VISA debit card right from the app. Total control is always at your fingertips.

Secure online spends

For extra peace of mind, enter an OTP via SMS to authorise each online transaction. It's your money, protected the way you expect with full control and confidence in your transactions.

You asked, we answered

Can't find your question?
View all our FAQ’s, chat with us on WhatsApp, or email us via: hello@chocolatefinance.com

What is Chocolate Finance?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

Are you covered by the SDIC Singapore Deposit Insurance Corporation, for up to S$75,000?

How does Chocolate Finance generate these great returns?

Is Chocolate Finance legitimate and regulated by the MAS?

As there are no fees, how does Chocolate finance make money?

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Is Chocolate Finance a good way to make money?

What is the Chocolate Finance waitlist?

Is Chocolate Finance a bank?

How do I get a Chocolate Finance Visa card and is it free?

Getting a Chocolate Finance card is easy and free! Every Chocolate Finance account comes with a Visa debit card available digitally within the app. To activate it, swipe right on your balance to see the Chocolate card on your homepage or find it in the 'More with Chocolate' section. Once you're on your card page, simply tap 'Activate now' and voila!

Once your digital card is activated, you can order a physical Visa debit card at no additional cost. Navigate to the card page, tap 'Order a physical card,' and follow the prompts to confirm your delivery details. Your physical card will arrive at your doorstep in a few days.

Note: There are no annual fees associated with your Chocolate Card!

Can I earn miles with my Chocolate Visa debit card? What benefits and rewards come with it?

Your Chocolate Visa debit card is packed with awesome perks – Hello smart spending!

Earn 1 HeyMax mile for every S$1 spent on almost anything, anywhere, up to your first S$1,000 of spend each month. After that, earn 0.4 Heymax miles per S$1 spent (hello rewards!)
- Multiply your miles when you save more — maintain a higher Chocolate balance and enjoy bonus miles every month, automatically.
Zero FX fees — We use Visa's exchange rates and pass them directly to you, with zero hidden FX fees or markups. Experience transparency and competitive rates that help you keep more of your money.
Exclusive Visa Platinum offers in travel, dining, shopping, sports, and entertainment! Discover here.

Plus, your Chocolate balance continues to enjoy a happy 3% p.a. on the first S$20k - no debt, no stress, just smarter rewards for your everyday purchases (unlike the feeling of spending with credit cards, that rack up debt while you spend!). Hello, smart spending!

Can I link my Visa debit card to Apple Pay or Google Pay?

You can now add your Chocolate Visa debit card to Google Wallet!

For Google Wallet:

Open your Google Wallet app.
Tap "Add to Wallet" select "Payment Card," "New Credit or Debit Card."
Enter your card details manually, or if you have the physical card, line up the back of the card with the rectangle on the screen to scan it.
Accept the terms and enter the verification code.

Your card will be ready for tap-and-pay and saved in your Google account for online payments wherever Google Pay is accepted.

Can I use the card overseas? Are there any fees associated with using my Visa debit card abroad?

Yes, you can use your Chocolate Finance Visa debit card overseas. There are no additional fees associated with using your card abroad. You will only be charged the Visa FX transaction rate — we do not add any further fees or markups, ensuring transparency and convenience for your international transactions. You can check the rates here on Visa's website.

🤓 Pro tip: Make sure to link your Chocolate Card to HeyMax and earn Max Miles on every overseas spend! You’ll earn miles based on the equivalent SGD amount, using the Visa FX rate at the time of the transaction.

What is the partnership between Chocolate Visa card and HeyMax about?

We’ve teamed up with HeyMax to bring you even more rewards when you spend with your Chocolate Visa Card.

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

• 0.4 Max Miles per S$1 after that — no cap

• Note: Bill payments earn miles too, but are capped at 100 miles per month

Plus we’re rewarding savers with something new: a Miles Multiplier based on your combined average monthly balance (SGD and USD).

The more you save, the more every dollar you spend rewards you.

No complicated hoops. No confusing categories. Just good habits, made better.

Example: Spend S$1,000 = earn 1,000 Max Miles.

At the end of the month, the Multiplier does its magic — and your miles grow even more.

Learn more about HeyMax here.

How do I redeem and track my HeyMax Max miles and do they expire?

Good news – Max Miles never expire 🥳! You can redeem your miles in the way that works best for you, whenever you want:

Transfer to 27+ airline and hotel partners (and counting) at a 1:1 ratio, with no fees!
Use your miles for any flight booking through the HeyMax FlyAnywhere program at 1.8 cents per mile.
Redeem miles for vouchers and gift cards at popular brands you love.
Track and redeem your miles easily through your HeyMax account and start enjoying those rewards!

Check out more on the HeyMax website.

Who do I contact for HeyMax-related customer support?

For anything related to your Chocolate Visa card or the linking of your account, reach out to Chocolate Finance support.

If you have questions about redeeming your miles or missing miles, contact HeyMax directly for assistance. We’ve got you covered for both!

Download the app and sign up now.

It only takes a few minutes.

Download the app and sign up

Verify your identity using Singpass

Top up to enjoy happy returns

Download the app

Scan to download

Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.

3% p.a. return

On your first S$20k.

2.7% p.a. return

On your next S$30k.

Target 2.7% p.a.

On amounts thereafter.

Full-on security

Security is our top priority.

Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. Chocolate’s returns are subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying, you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.

All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past performance is not indicative of future results.