Probably the best FX rates in town.

The only Visa debit card that combines zero FX fees, 2 Max Miles by HeyMax for every S$1 spent, and a happy 3.3% 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, 2 Max Miles per S$1, and a happy 3.3% p.a. return on your first S$20k — all with one debit card.

Zero FX fees.

Currency

Our rates

Rates on Google

🇲🇾 MYR

3.28

3.27

🇹🇭 THB

25.19

24.96

🇯🇵 JPY

115.69

114.44

🇺🇸 USD

0.742

0.738

🇪🇺 EUR

0.715

0.711

Our displayed rates were calculated by taking the average exchange rates from 27 Jan 2025 to 2 Feb 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.

2 miles for every S$1 spent.

Not only does the Chocolate VISA debit card have probably the best FX rates in town, you enjoy 2 Max Miles by HeyMax for every S$1 spent on anything, anywhere – up to your first S$1,000 spend per month. After that, keep earning at 0.4 Max Miles per S$1.

Plus, your Chocolate balance continues to enjoy a happy 3.3% 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!

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 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k and a target 3% 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 2 Max Miles for every S$1 spent on anything, anywhere – up to your first S$1,000 spend per month. After that, keep earning at 0.4 Max Miles per S$1. 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.