How to earn KrisFlyer miles without a miles credit card: The amaze card way

Key takeaways:

• You don’t need a miles credit card to earn KrisFlyer miles. The amaze card by Instarem lets you earn InstaPoints through everyday spending.
• Every SGD 1 spent via your amaze wallet earns 0.5 InstaPoints. At 1,200 InstaPoints, you can convert to 400 KrisFlyer miles instantly in the Instarem app.
• Spending through the amaze wallet comes with zero FX fees on foreign currency transactions. No markup, no hidden charges. 
• Users can link up to five Singapore-issued Mastercard debit or credit cards to amaze, which may allow them to keep earning their card’s usual rewards while also using amaze features, subject to the bank’s rewards policy.
• The amaze card is free to get, has no annual fee, and works for both local and overseas spend, with a wallet limit of SGD 15,000 and an annual transaction limit of SGD 75,000.

Most travel rewards go to people with miles credit cards. The amaze card changes that. Spend through your amaze wallet, earn InstaPoints, convert to KrisFlyer miles — no credit card required.

In this blog, we explain how the amaze card works, how you earn KrisFlyer miles, and how to use them. Keep reading to understand how to make each spend work harder for you.

What is the amaze card?

The amaze card is a smart travel card designed to simplify the way you spend while helping you get more value from your daily payments. Created by Instarem, this free card lets you link up to five Mastercard debit or credit cards into one place. 

It suits everyday shoppers, online buyers, business users and frequent travellers who want better control over spending and foreign exchange costs. You can use the amaze card as a physical tap card in stores, or start spending online straight away with the virtual card.

The card works through the Instarem app, where you can manage your spending, rewards, and payment settings in real time. 

Here is a quick look at what the amaze card can do:

• Fund your amaze wallet: Top up your wallet through PayNow, Apple Pay or bank transfer, depending on your preferred payment method.
• Track your spend in real time: View your transactions instantly and see them grouped into clear spend types like food, travel and shopping.
• Manage how you pay: Use the app to link and change your payment source in just a few taps before your next transaction.

How amaze turns everyday spending into KrisFlyer miles 

Most people spend money every day without getting much back from it. The amaze card changes that by giving your daily purchases a clear path to travel rewards, while also cutting the hidden costs that eat into your spending. 

Here’s what makes it worth paying attention to:

Zero bank FX fees on amaze wallet spend

Every time you pay in a foreign currency using a regular bank card, your bank adds a fee. This is called an FX (foreign exchange) fee, and it typically ranges from 2% to 3.5% on top of the amount you spend.

With the amaze card, wallet transactions carry zero FX fees and zero FX markup. That means when you pay for a hotel in Bali or shop from an overseas website, you get the real exchange rate with nothing added on top. You can check the full breakdown of amaze card fees and savings here to see exactly what you save.

Two ways to earn: wallet mode vs linked card mode

The amaze card gives you two distinct ways to earn rewards, depending on how you set up your payment source. You don’t earn both at the same time on one transaction, but you can choose the best mode for each situation.

Strategy 1: Use amaze wallet for KrisFlyer miles

When you pay through your amaze wallet, you earn 0.5 InstaPoints for every SGD 1 spent, both locally and overseas. Those points convert directly into KrisFlyer miles inside the Instarem app. This mode also carries zero FX fees, making it the better choice for overseas spending.

Strategy 2: Use a linked Mastercard for your card’s own rewards

When you pay through a linked rewards-based Mastercard, your card continues to earn its own rewards as usual, whether that’s cashback, points, or miles. No InstaPoints are earned in this mode, but your card’s full reward rate applies. This works well for local SGD spending where your card offers a strong reward rate. You can switch your payment source anytime in the Instarem app by tapping ‘Change Source’ in the card section.

Fast point tracking and KrisFlyer mile conversion

Some reward systems take days or even weeks to reflect your points. With amaze, Instarem credits eligible InstaPoints within 3 business days after a successful transaction. 

Here’s how the conversion works:

• Minimum to convert: 1,200 InstaPoints
• Rate: 3 InstaPoints = 1 KrisFlyer mile (1,200 InstaPoints = 400 KrisFlyer miles)
• No cap on how many times you can convert
• Miles appear in your KrisFlyer account instantly after conversion

To convert your points, follow these steps:

1. Open the Instarem app
2. Go to your profile and tap InstaPoints
3. Select ‘Convert to KrisFlyer miles’ and choose your amount
4. Enter your KrisFlyer details and confirm the request. 
5. Pay a small admin fee for the conversion.

Once done, your KrisFlyer account will reflect the update under ‘NIUM Pte Ltd amaze InstaPoints Redemption.’ Note that InstaPoints expire 12 months from the date they’re credited, so convert before they lapse. Some transactions are also excluded from earning InstaPoints, including foreign currency spent below SGD 10, refunds, chargebacks, and selected merchant category codes.

How much can you earn? A worked example at SGD 2,000/month 

Steady day-to-day spend can also build travel rewards over time. To make this easier to picture, let’s look at a simple case using the amaze card and regular monthly spend. The numbers below aren’t a promise of flight value or seat access. They simply show how the amaze setup can help turn normal spending into travel rewards in a more direct way.

Your situation: Monthly spend for work, food and Bali trips

Let’s say you spend around SGD 2,000 each month through your amaze wallet. This includes daily costs like food, ride apps, hotel stays, online buys and flight bookings. You also take short Bali trips a few times each year and use amaze for overseas spending while abroad.

Here’s a sample split of your spend:

• SGD 700 on food and cafes
• SGD 400 on ride apps and local travel
• SGD 500 on online shopping and bills
• SGD 400 on flights, hotels, and the Bali trip spent

With amaze wallet-linked spend, you earn 0.5 InstaPoint for every SGD 1 spent. The system rounds points down to the nearest full dollar. Your points then appear in the app after valid spend posts to your account.

How many KrisFlyer miles can you earn in one year?

Now let’s break the numbers down. If you spend SGD 2,000 each month through your amaze wallet:

• You earn about 1,000 InstaPoints per month
• Over 12 months, that becomes about 12,000 InstaPoints
• At a rate of 3 InstaPoints = 1 KrisFlyer mile, that gives you about 4,000 KrisFlyer miles per year

One thing to note: the minimum amount needed to make your first conversion is 1,200 InstaPoints, which means you must spend at least SGD 2,400 in total through your amaze wallet before you can convert. At SGD 2,000 a month, you’d reach that threshold within your second month of spending. After that, you can convert in blocks of 1,200 InstaPoints anytime inside the Instarem app.

The value builds through spending you may already make each day. You’re not adding extra steps to your routine, but simply giving your spend a better use case.

What you can do with the miles you earn

KrisFlyer miles can go toward flight redemptions, seat upgrades or future travel plans within the Singapore Airlines network. While 4,000 miles may not cover a full flight on its own, it can help reduce the miles gap for a future trip when paired with more spend over time.

The amaze card also helps in other ways during travel:

• You can use it for overseas spending with competitive FX rates
• You can manage spending in the app in real time
• You can switch payment sources in just a few taps
• You can keep track of spending by trip type or country

This makes the setup useful not just for earning KrisFlyer miles, but also for keeping travel spend easier to manage from one app.

The FX fee savings that most people forget about when they travel 

Many people focus only on miles when they travel. They track points, flight perks, and card rewards, but miss one key cost during overseas spend: FX fees. They forget about FX costs because:

• The fee is often built into the final charge
• Banks may add FX markups behind the scenes
• Small charges feel minor on one purchase alone
• Most users focus only on miles and rewards

Here’s a simple example:

Overseas Spend	Standard bank card (3.5% FX fee)	amaze wallet (0% FX fee)
SGD 500	SGD 17.50	SGD 0
SGD 1,000	SGD 35	SGD 0
SGD 2,000	SGD 70	SGD 0

Note: Standard bank card FX fee estimate based on typical 2–3.5% overseas transaction fee. Linked card mode applies up to 2.1% FX spread instead. 

If you travel often or shop from overseas sites, lower FX costs can make a huge difference throughout the year. When you spend through the amaze wallet, foreign currency transactions don’t come with extra FX admin fees from amaze. This helps you keep more value from your spending instead of losing part of it to added charges.

How to set up the amaze card in 5 minutes

Getting started with the amaze card is simple and fast. Once your account is ready, you can begin using the virtual card for online or mobile pay while your physical card is on the way.

Follow these steps to get your amaze card ready for daily use and KrisFlyer miles earning:

1. Download the Instarem app

Control your new card directly from your phone. First, go to the store on your mobile device to find our free app. It works on both Apple and Google devices.

2. Register

Sign up with your mobile number and basic details. In Singapore, most users can verify their accounts through Singpass. This is a secure digital ID system that helps speed up checks and cuts down manual form-filling.

3. Set up your amaze card

Once your account is approved, open the amaze card section in the Instarem app and choose how you want to fund your spend.

• Link a Mastercard: Go to ‘Linked Cards’ and add up to five Singapore-issued Mastercard debit or credit cards. After linking, your selected card becomes the payment source for amaze transactions. You can also switch between linked cards in the app at any time through the ‘Change source’ feature.
• PayNow or a linked bank account: Open the wallet section, tap ‘Top Up’, choose your funding method, enter the amount, and confirm the transfer. Instarem doesn’t charge a fee for PayNow or linked bank account top-ups.
• Apple Pay: In the wallet section, tap ‘Top Up’ and select Apple Pay as your funding method. Enter the amount and confirm the payment with Face ID or Touch ID. A 1.5% fee applies, with a minimum charge of SGD 0.50. If you need help during setup, the Instarem app also includes an Apple Pay top-up guide to walk you through the steps.

4. Set it as your default card

Once your card is set up, add your amaze card to Apple Pay or Google Pay on your phone. This lets you tap and pay anywhere that accepts contactless payments, both locally and overseas, without carrying a physical card.

5. Start spending and tracking rewards

Your virtual amaze card is ready to use immediately for online purchases. Your physical card will arrive by mail shortly after.

Final thoughts 

The amaze card is an easy way to earn KrisFlyer miles without a miles credit card. For people without a miles credit card. Spend through the wallet, earn InstaPoints, convert to miles — all in the same app you use to transfer money. Download Instarem and apply for your free amaze card to get started.

Frequently asked questions about the amaze method

Will my credit card definitely earn miles when used through amaze?

It depends on your bank’s rewards policy. When you link a rewards-based Mastercard to amaze, your card continues to earn its own rewards on eligible transactions as it normally would. However, reward eligibility depends on your bank and the type of transaction. Always check your card issuer’s latest terms before spending.

Does amaze work for online purchases in foreign currencies?

Yes. You can use the amaze card for overseas online shopping and foreign currency payments.

Is there a limit to how much I can spend on amaze?

Yes. As of May 2026, the amaze wallet supports up to SGD 15,000 in wallet balance and an annual transaction limit of SGD 75,000 or its FX equivalent. You can also set daily and per-transaction spend limits in the app for more control.

Can I use amaze in Singapore for local SGD purchases?

Yes. You can use amaze for local SGD spend in stores, apps and online purchases across Singapore.

Does the amaze card expire? Are there fees if I don’t use it?

There’s no annual fee for the amaze card, and no fee for simply holding the card. Card issuance and card replacement are also free. For the most current terms on card validity, check the Instarem app or contact the Instarem support team directly.

Disclaimer: Rates and terms are current as of May 2026. amaze is a product of Instarem (Nium Pte. Ltd.). While there are no annual fees, a 1% fee applies to domestic SGD transactions. Reward eligibility depends on your bank’s terms; always check your card’s latest rewards policy before spending.