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Amazing benefits at a glance

1% Cashback

Stack up on rewards with 1% cashback* on top of your current cards' rewards!

No more top ups!

Link up to 5 cards and enjoy uninterrupted spending through amaze.

Great FX rates

Save on hefty foreign exchange rates. Enjoy Instarem FX rates with every global purchase.

Other amazing benefits

Track your expenses

Choose your preferred card and track what you spend.

Declutter your wallet

Link up to 5 Mastercard bank cards into 1. Start using your virtual card straight away.

Send money overseas

Use the Instarem app to send money overseas – at great rates, fast, easily and securely.

Mastercard World benefits

Enjoy even more benefits with zero liability protection, hotel stays and more.

Exclusive introductory offer Get $50 foodpanda voucher
*T&Cs Apply

Getting Started

  • Register in minutes Download the Instarem app and register for an account if you don’t have one already.

  • Apply for amaze Provide your details and delivery address to receive your card.

  • Link your cards Get your virtual card in-app! Link up to 5 Mastercard bank cards to it.

  • Start spending! Start using your virtual card while waiting for your physical card.

Register in minutes

Download the Instarem app and register for an account if you don’t have one already.

Apply for amaze

Provide your details and delivery address to receive your card.

Link your cards

Get your virtual card in-app! Link up to 5 cards to it.

Start spending!

Start using your virtual card while waiting for your physical card.

Ready to be amazed?

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Online and overseas shopping

Use amaze for all your online shopping whether on Amazon, ASOS, Taobao and many more.

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Renew all your subscriptions with amaze, from your home Wi-Fi provider to your favourite entertainment platforms like Netflix, Spotify and more!

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Dining and food delivery

Takeout or order in, amaze is there for you to enjoy services such as foodpanda, Grab and Deliveroo.

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Book an amazing hotel stay, B&B, or any other getaway of your choice using your amaze card.

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Indulge in some me time – use amaze to sign up for gym class, yoga, spa and more.

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Pay for your bus, taxi, rail and other transport services with amaze.

Have questions?

What is the amaze card and how does it work?

The amaze card is both a virtual and physical card that can combine up to 5 debit or credit cards. This eliminates the need for you to carry multiple cards. You can choose a specific card from your app to transact with any time.

How do I apply for the amaze card?

You can apply for an amaze card via the Instarem app. You'll need to have a registered and approved Instarem account to get the amaze card.

How do I activate my physical amaze card?

Once you have received your physical card via mail, you can activate it through the amaze app.

  • Access the amaze page either via the card symbol on the bottom right or via the dashboard.
  • Tap on Activate Card.
  • Set your Card Pin.
  • Please note that you can begin online transactions even before your physical card arrives.

How do I get 1% cashback on the amaze card?

You get 1% cashback on every transaction of SGD 5 and above.

The 1% cashback is given on top of any cashback and rewards you already get on your linked cards, subject to the issuing bank’s terms and conditions. The cashback is paid out by Instarem and is credited to your amaze wallet on quarterly basis, which means if you made transactions that qualify for cashback from January to March, you’ll receive the cashback in April.

You will be eligible for cashback once you’ve made cumulative transactions of a minimum value of SGD 500 per quarter. The maximum cashback given is SGD 100 per quarter.

The cashback does not apply to refunded transactions, wallet top-ups, cash withdrawals, or transactions that fall under excluded merchant category codes (MCCs).

Please note: New MCC exclusions have come into effect from Jan 1, 2022, and apply to all transactions made on or after this date. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard). Instarem does not have a say in the assignation of these codes. A merchant’s registered MCC may not always correspond with its nature of business.

Is there any fee charged for getting an amaze card?

There is no fee for getting an amaze card.

Can I use my amaze card overseas?

The amaze card can be used anywhere that Mastercard is accepted and in their accepted currencies.

What are the spending limits on amaze?

The maximum amount that can be spent on one receipt with amaze is SGD 50,000 or equivalent. It is also subject to the linked card's respective card issuer limit.

What is the exchange rate and associated fee offered by amaze?

The exchange rate on the amaze card is the same as on Instarem. It is based on Reuters' rate.

There are no associated fees.

What documents am I required to submit in order to receive my amaze card?

If you have signed up with Instarem using eKYC (electronic KYC), there are no documents required, as the necessary data is extracted from MyInfo.

However, for manual KYC (where you have not used MyInfo), you will need to submit Proof of Identity in the form of your passport or national ID, as well as Proof of Address.

I can't activate my amaze card?

Please share the details and mail the error screenshot to our Customer Support team at [email protected].

What type of cards can I link to my amaze card?

You can link up to 5 Mastercard (debit or credit) cards that have been issued in Singapore.

Can I send money using amaze?

You can use your amaze card to make international payments via the credit or debit cards that you have linked to amaze.

To send money overseas, you can use the Instarem app and transfer money via PayNow or bank transfer.

What currencies are supported on the amaze card?

You can transact in any currency and use the amaze card anywhere that Mastercard is accepted, in the currencies that they support.

Is my data safe with amaze?

Yes, it is. We are compliant with the Payment Card Industry Data Security Standards (PCI-DSS) as well as with the Personal Data Protection Act (PDPA). Rest assured that your data, personal and otherwise, is protected at all times.

How do refunds work when using amaze?

The refund will be credited to your original transacted card or your current linked card.

Will I still earn existing cashback or rewards on my bank card linked to amaze?

Yes, in addition to our amaze 1% cashback, you will continue to enjoy your existing cashback or rewards awarded by your issuing bank card. However, this is subject to the issuing bank’s Terms and Conditions. You may wish to check with the issuing bank prior to a purchase.

How can I find out the Merchant Category Code (MCC) of my transaction?

A Merchant Category Code (MCC) is a four-digit number assigned to a merchant or business by the merchant’s acquiring bank, and amaze does not determine the merchant’s MCC. To find the MCC of your transaction, please check with the merchant or your issuing bank directly.

How do I recognise amaze transactions on my linked card statement?

Amaze transactions will start with an AMAZE* prefix. For example, AMAZE* AMAZON.COM.

View the amaze Terms & Conditions here.

*1% cashback is credited into your amaze wallet by Instarem.

We top up your account with 75 InstaPoints as soon as you Sign Up.

InstaPoints are loyalty points that you can redeem against your transactions to give you a discount.

More The InstaPoints, More The Discount.

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