amaze vs YouTrip: Why amaze Is the Smarter Pick for Singaporeans in 2026
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“amaze and YouTrip both offer 0% FX, but they reward you differently. amaze runs as two experiences — amaze Link (link up to 5 existing Mastercards, keep your own bank rewards) and amaze Wallet (0% FX, InstaPoints, Auto Top-up) — with InstaPoints redeemable as cashback, KrisFlyer miles, or a transfer discount. YouTrip’s rewards work differently: no card-spend points system, but a separate merchant-offer cashback programme (YouTrip Perks) on purchases made through its in-app deals catalogue. “
Ask a Singaporean which travel card to get, and “amaze or YouTrip” comes up almost immediately. Both have a loyal following, and both offer 0% FX on their core wallet spend. But zero FX fees are now standard across most multi-currency cards in Singapore, so the real question isn’t who’s cheapest to swipe, it’s what each card gives you once you look past the exchange rate.
YouTrip asks you to preload a balance and offers nothing further. amaze gives you the same 0% FX markup and 0 FX fees — via its own wallet — plus the flexibility to keep earning your existing bank card’s rewards through amaze Link, and an InstaPoints system on top that actually pays you back.
Here’s the full picture.
The short version
- FX fee: both effectively 0% (amaze via amaze Wallet, YouTrip on all supported currencies)
- Flexibility: amaze gives you two ways to spend — amaze Link (keep your bank card’s own rewards) or amaze Wallet (0% FX + InstaPoints) — YouTrip only offers its prepaid wallet
- Rewards: amaze’s InstaPoints redeem as cashback, KrisFlyer miles, or a transfer discount, on any FX or wallet spend — YouTrip’s rewards come through YouTrip Perks, a merchant-offer cashback catalogue, separate from everyday card spend
- Auto Top-up: amaze Wallet now tops up automatically, so you’re never caught short; YouTrip requires manual preloading every time
- Best fit: amaze for genuine all-round value — 0% FX, ongoing rewards, and the flexibility to keep your own card’s benefits alive; YouTrip only if a hard spending ceiling is your single priority
Two models, but only one gives you a choice
YouTrip is a prepaid multi-currency wallet: you load exactly what you intend to spend before a trip, and that’s your only option.
amaze goes further by offering two switchable experiences in one app — amaze Link, which taps up to 5 of your existing Mastercard debit or credit cards so you keep earning their rewards, and amaze Wallet, its own 0%-FX wallet funded via PayNow with InstaPoints on top. YouTrip simply doesn’t have an equivalent to amaze Link — there’s no way to preserve your existing card’s rewards through YouTrip at all.
The rewards gap is the real differentiator
This is where amaze pulls ahead decisively. YouTrip’s value proposition begins and ends with 0% FX . There’s no points system, no cashback, no ongoing reward for using the card, full stop.
amaze’s InstaPoints, following its relaunch, unify amaze Wallet spend and remittance activity into one balance redeemable three ways: cashback direct to your wallet (SGD 5 for 1,000 points, or SGD 25 for 2,000 points), KrisFlyer miles (3 points = 1 mile), or a transfer discount.
This is where the two diverge structurally. YouTrip doesn’t reward FX or card spend itself — its rewards live in YouTrip Perks, cashback tied to specific merchant offers in its deals catalogue.¹
amaze’s InstaPoints work differently: they reward the spend itself, on any purchase, unifying amaze Wallet spend and remittance activity into one balance redeemable three ways — cashback direct to your wallet (SGD 5 for 1,000 points, or SGD 25 for 2,000 points), KrisFlyer miles (3 points = 1 mile), or a transfer discount.”
Source:¹ https://support.you.co/hc/en-us/articles/4405425235737-How-do-I-redeem-deals-on-YouTrip-Perks
Spend SGD 500 a month in domestic or foreign currency through amaze Wallet and you’ll earn 250 InstaPoints. YouTrip matches the FX savings, but its rewards work differently — cashback lives in YouTrip Perks, tied to specific merchant offers,¹ rather than to the FX or card spend itself
Auto Top-up: one more reason amaze Wallet is lower-maintenance
YouTrip requires you to manually preload a balance before every trip and top up again if you run low mid-trip.
amaze Wallet’s new Auto Top-up feature removes that friction — your balance replenishes automatically, so a purchase overseas doesn’t decline because you forgot to reload before flying out.
ATM withdrawals: a minor YouTrip edge that rarely matters
YouTrip offers free ATM withdrawals up to SGD 400 a month, then charges 2%; amaze charges a flat 2% from the first withdrawal.
For travellers who rely mainly on card payments — the norm across most of the destinations Singaporeans visit — this difference is marginal against everything else amaze offers, but worth knowing if cash withdrawals are a significant part of your travel style.
The referral angle: amaze pays you to recommend it
If a friend is deciding between the two based on your recommendation, amaze’s referral program pays a flat SGD 25 (2,000 InstaPoints) to both of you once your friend completes a qualifying transaction (either a money transfer of 1,000 SGD or more, or an amaze transaction of 100 SGD or more) — a real reward for a recommendation you’d likely make anyway.
YouTrip has no equivalent standing referral structure.
Worked example: a typical month of overseas spend
Say you spend SGD 800 a month in foreign currency. On YouTrip, that’s SGD 800 spent at 0% FX and nothing else. On amaze Wallet, that’s the same 0% FX plus 400 InstaPoints — enough to redeem SGD 5 cashback outright, or bank toward the SGD 25 tier, or convert to KrisFlyer miles. Run that same spend through amaze Link instead, and you keep whatever your linked bank card already pays out in miles or cashback on top of amaze’s competitive FX handling.
Either way, that same SGD 800 earns something back through amaze — on YouTrip, the FX savings are the same, but there’s nothing earned on the spend itself unless it happens to match a Perks merchant offer that month.
Bottom line
YouTrip’s wallet is capped at S$20,000 held at any time and S$100,000 in top-ups or spend per year, per MAS e-wallet regulation.¹ Its rewards come through YouTrip Perks, a merchant-offer cashback programme on purchases made through its in-app deals catalogue,² separate from everyday card or FX spend.
amaze Wallet gives you the same 0% FX, but its InstaPoints reward the spend itself — FX and domestic purchases, on any merchant — and amaze Link lets you keep your existing card’s own rewards active on top. If your priority is a fixed, single-trip budget, YouTrip’s cap does that job well. If you’re managing everyday and travel spend together, amaze’s rewards apply more broadly.
¹ https://support.you.co/hc/en-us/articles/360000608274-What-are-my-YouTrip-wallet-limits
² https://support.you.co/hc/en-us/articles/4405425235737-How-do-I-redeem-deals-on-YouTrip-Perks
Note: Information about other providers is based on publicly available sources as of September 2026.
