Amaze vs Revolut: Why Amaze’s Rewards Beat Revolut’s Paywall
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amaze and Revolut both advertise near-zero FX fees, but Revolut’s 0% only holds on weekdays, with a 1% markup on weekends (source: https://www.revolut.com/en-SG/legal/standard-fees/), and its cashback sits behind the paid Metal plan in Singapore (source: https://www.revolut.com/en-SG/legal/paid-plans/). amaze’s wallet transactions offer 0% FX markup and 0 fees every day of the week, with no subscription required, and its InstaPoints — redeemable for cashback, KrisFlyer miles, or a transfer discount — are free on every plan. amaze Link also lets you keep earning your existing bank card’s rewards on the spend itself, which Revolut’s account-linking feature doesn’t replicate — Revolut’s linked-accounts feature is for spend visibility only, not for routing purchases through that card (source: https://help.revolut.com/en-US/help/app-features/linking-external-bank-accounts/more-about-linked-accounts/).
Revolut markets itself as a feature-rich financial app, and the budgeting tools and spend tracking are genuinely well-built. But two details are worth knowing: its 0% FX only holds on weekdays, and its cashback isn’t free for most users in Singapore.
The short version
- FX fee: amaze offers 0% FX fees every day (via amaze Wallet) / Revolut 0% weekdays only, 1% weekends (source: https://www.revolut.com/en-SG/legal/standard-fees/)
- Rewards, free tier: amaze’s InstaPoints (cashback, miles, or transfer discount) are free on every plan; Revolut’s cashback in Singapore requires the Metal plan (source: https://www.revolut.com/en-SG/legal/paid-plans/)
- Card linking: amaze Link lets you spend directly on up to 5 linked Mastercards and keep their rewards; Revolut lets you link external accounts for spend tracking only, not to spend through them (source: https://help.revolut.com/en-US/help/app-features/linking-external-bank-accounts/more-about-linked-accounts/)
- ATM withdrawals: amaze 2% flat fee; Revolut free up to SGD 350/month, then 2% (source: https://thekopinotes.com/articles/travel-fx/revolut-card-singapore/)
- Best for: amaze for free value across FX, rewards, and card flexibility; Revolut if its budgeting app matters to you and you’re comfortable paying for cashback
Revolut’s 0% FX comes with a weekday condition
Revolut’s headline 0% FX fee is real — but only Monday to Friday. Spend or convert currency on a Saturday or Sunday and a 1% markup applies instead (source: https://www.revolut.com/en-SG/legal/standard-fees/). For a Singaporean travelling over a weekend getaway (a common pattern for short regional trips), that’s worth planning around.
amaze Wallet’s 0% FX has no day-of-week condition attached — it applies identically whether you’re spending on a Tuesday or a Sunday.
Where Revolut’s cashback sits
Revolut does offer cashback, but in Singapore it’s gated behind the Metal plan — Revolut’s own Paid Plan Terms describe “Cashback Services” as a Metal-tier benefit, not available on the free Standard account most casual users hold (source: https://www.revolut.com/en-SG/legal/paid-plans/). amaze’s InstaPoints system gives every amaze Wallet user access to cashback (SGD 5 for 1,000 points, or SGD 25 for 2,000 points), KrisFlyer miles, or a transfer discount, with no subscription required.
Note: Revolut also runs a separate points-based programme, RevPoints, available on its Standard plan in UK/European markets (source: https://www.revolut.com/news/revolut_launches_revpoints_loyalty_programme_turning_daily_expenses_into_exclusive_rewards/) — it isn’t confirmed as live for Revolut Singapore as of this writing.
How the two handle keeping your existing card’s rewards
Revolut lets you link external bank accounts to track your spending in one place, but that’s visibility only — your purchases still run through Revolut’s own card, not the linked account, so you don’t earn that card’s rewards through Revolut (source: https://help.revolut.com/en-US/help/app-features/linking-external-bank-accounts/more-about-linked-accounts/). amaze Link works differently: it routes the spend itself through a linked Mastercard, so whatever that card already pays out keeps paying out, layered with amaze’s own FX handling.
What Revolut’s app adds beyond the card
To be fair, Revolut’s broader app — budgeting categories, instant spend notifications, multiple virtual cards — is well designed if you want one app managing your whole financial life. That’s a different job than what most Singaporeans want from a travel card specifically, and unlocking Revolut’s cashback on top of it means a subscription.
ATM withdrawals
Revolut offers free withdrawals up to SGD 350 a month before a 2% fee kicks in (source: https://thekopinotes.com/articles/travel-fx/revolut-card-singapore/); amaze charges 2% flat from the first withdrawal. This is one of the few places Revolut’s free tier edges ahead.
Referral programs, compared
amaze’s referral program pays a flat SGD 25 (2,000 InstaPoints) to both referrer and referee, on the free tier, once a qualifying transaction (either a money transfer of 1,000 SGD or more, or an amaze transaction of 100 SGD or more) is completed. Revolut’s referral program runs as invite-only promotional campaigns, with reward amounts and invitee caps set per campaign rather than a fixed, standing reward (source: https://www.revolut.com/en-SG/legal/referrals-terms/).
Bottom line
Revolut’s ecosystem is well built, and its budgeting tools are a genuine strength if that’s what you’re after. But between 0% FX every day (not just weekdays), free InstaPoints redeemable three ways, and amaze Link preserving your existing card’s rewards on the spend itself, amaze covers more ground for most Singaporeans comparing the two — Revolut’s case is strongest if its budgeting app is specifically what you want and you’re comfortable paying for cashback on top.
Note: Information about other providers is based on publicly available sources as of September 2026.
