What is the difference between spending via amaze Wallet and amaze Link?

amaze gives you two ways to spend – amaze Wallet and amaze Link.

Spending via amaze wallet:

• You can top up SGD in your amaze wallet – and convert and hold multiple currencies at competitive FX rates.
• The amaze wallet can hold up to the maximum amount specified within the Instarem app in one day, with an annual spending limit of 75,000 SGD per calendar year.
• You can set up auto top-up for uninterrupted spending.
• Payments made via amaze Wallet have no FX markup or fees.
• Earns you InstaPoints on domestic and foreign currency spend. You can convert the points to cashback or KrisFlyer miles in your app, or use them as discounts on money transfers.

Spending via amaze Link:

• You can link up to 5 Mastercard credit or debit cards and spend seamlessly without topping up.
• The per-transaction spending limit is 50,000 SGD (or equivalent). It is also subject to the linked card’s respective card issuer limit, whichever is lower.
• Domestic spends made via linked cards are subject to a 1% domestic fee (minimum 0.50 SGD), and foreign currency spends incur up to 2.1% FX spread.
• Does not earn you InstaPoints. However, you may earn any eligible rewards from your card-issuing bank, subject to the bank’s terms and conditions.