amaze by Instarem - The one card that does it all.
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amaze is the smart and rewarding card for travel, shopping and more. Unlock amazing savings on global purchases and load up on rewards on FX spend.

Link any Mastercard debit or credit card to amaze or top up your amaze wallet to get started!

Amazing benefits at a glance

Save when you travel

Get superior FX rates, save on banks’ mark ups and FX admin fees when you pay overseas.​

Pay your way

Link your Mastercard bank cards to amaze or top up your amaze wallet to get started, your choice!

Enjoy unlimited rewards*

Get InstaPoints on your FX spends and convert to 1% cashback or use as discounts on overseas money transfers.

Track your spending

Get a personalised view and breakdown of your spends across all your cards in one place.

Other amazing benefits

Tap away with Google Pay

Add your amaze card to Google Pay and enjoy convenient payments wherever you go. Learn more.

Simplify your wallet

Link up to 5 Mastercard bank cards and carry just one amaze card or use your virtual amaze card or wallet.

Send money overseas

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

Enjoy Mastercard World benefits

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

Get 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 physical card. Get your virtual card in-app.

  • Set up your card Link your Mastercard to amaze or top up your amaze wallet with any bank card.

  • Start spending! Start using your virtual card or wallet 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 physical card. Get your virtual card in-app.

Set up your card

Link your Mastercard to amaze or top up your amaze wallet with any bank card.

Start spending!

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

Amazing Mastercard benefits 

Simply spend with amaze and enjoy these benefits.

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Mastercard Travel Medical Benefits

12-month complimentary medical insurance of up to USD 100,000 including overseas quarantine allowance of USD 100 per day (up to 14 days). Register here. Provided by AIG. T&Cs apply.

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Mastercard Travel Rewards®

Enjoy automatic cashback with over 300 dining, entertainment, hotel and shopping offers globally. Simply spend and receive your cashback within 30 days. Learn more.

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Global data roaming

Complimentary 15-days 3GB global data roaming by Flexiroam. Plus, special discounts for add-ons. Learn more.

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Travel insurance

Book your flight, train and cruise with amaze and enjoy free travel insurance of up to USD 3,000 if your trip is cancelled, curtailed or delayed beyond 4 hours. Provided by AIG. T&Cs apply. Learn more.

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Flight delay pass

Complimentary unlimited access to over 1,000 LoungeKey airport lounges worldwide for you and up to 4 guests if your flight is delayed by 2 hours or more. Learn more.

  • Faq link
  • Amaze Faq link
  • Have questions?

    What is the amaze card and how does it work?

    The amaze card is both a virtual and physical card to which you can link up to 5 Mastercard 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. If you don’t wish to link a card to amaze, you can choose to top up your amaze wallet with a valid credit or debit card and use the wallet to fund your amaze transactions.

    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 earn rewards on the amaze card?

    You get 1 InstaPoint for every 1 SGD-equivalent in foreign currency made on your amaze card. The InstaPoint is rounded down to the nearest dollar and capped at 500 per transaction. For example, if you spent SGD 500 in foreign currency in a single transaction, you will receive 500 InstaPoints. If you spent SGD 1,000 in foreign currency in a single transaction, you will receive the maximum of 500 InstaPoints.

    You will receive the InstaPoints within 3 business days upon a successful FX transaction. 

    Foreign currency transactions less than SGD 10 (currency equivalent), refunds, chargebacks or transactions in selected Merchant Category Codes (MCCs) are excluded from earning InstaPoints.  

    Refunded transactions will be deducted from the relevant bill amount taken into consideration for the computation and award of InstaPoints.

    Please note: 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.

    How do I use InstaPoints? 

    InstaPoints can be used to redeem items on the Instarem app starting 1st October 2022 such as amaze cashback (2000 InstaPoints = SGD 20 cashback) and discount vouchers for money transfers.

    Can I use my amaze card overseas?

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

    What is the exchange rate offered by amaze?

    Amaze offers competitive FX rates, unlike banks which typically add a substantial markup and FX admin fee. Thus, you get the best possible value for your FX transactions and overseas purchases with amaze.

    What are the spending limits on amaze?

    Maximum spending limit via linked Mastercard:

    SGD 50,000 per transaction or your linked bank card’s credit limit, whichever is lower

    Maximum spending limit via amaze wallet:

    Daily: as specified in the Instarem app.

    Annually: SGD 30,000 per calendar year.

    Does amaze charge FX markup?

    Amaze offers competitive FX rates, unlike banks which typically add a substantial markup and FX admin fee. Thus, you get the best possible value for your FX transactions and overseas purchases with amaze.

    Is there any card annual fee or admin fee for foreign currency transactions?

    There is no annual fee or admin fee involved in using the amaze card.

    Where can I view the exact FX conversion rates and fees at any time?

    Exchange rates and applicable FX fees are available in-app after you initiate a transaction.

    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, what should I do?

    Please submit an enquiry by logging into Help Centre on web or app. Our customer experience team will get back to you.

    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.

    How do I use the amaze wallet?

    The amaze wallet is a virtual wallet that you can use to fund your amaze card transactions. Simply top up your wallet with a valid credit or debit card and select it as the primary ‘payment source’ in the app.

    Are there any fees charged for topping up the amaze wallet?

    For a limited promotional period, there are no fees for topping up your amaze wallet.

    What is the difference between spending via amaze wallet and spending via the amaze card linked to a Mastercard debit/credit card?

    Spending via amaze wallet:

    • The wallet can hold up to the maximum amount specified within the Instarem app in one day, with an annual spending limit of SGD 30,000 per calendar year.
    • Entitles you to earn InstaPoints on FX spend that can be used as 1% cashback or discounts on money transfers.

    Spending via amaze linked to a Mastercard credit or debit card:

    • The per transaction spending limit is SGD 50,000 or equivalent. It is also subject to the linked card's respective card issuer limit, whichever is lower.
    • Entitles you to earn InstaPoints on FX spend as well as rewards awarded by the card issuing bank, subject to the bank’s terms and conditions.
    What are the minimum and maximum amounts that I can top up to my amaze wallet?

    The minimum top up required to use your amaze wallet is SGD 20. You can top up your wallet for any amount which does not cause your wallet to go over the amount specified in the Instarem app.

    Can I withdraw my wallet balance amount?

    No, your wallet balance can be spent through the amaze card only.

    What happens to my amaze wallet balance if I wish to close my Instarem account?

    Please send your account closure request to our customer experience team via our Help Centre in the app. Our team will assist you promptly.

    What happens if I have insufficient balance in my wallet?

    If you have chosen your amaze wallet as the payment source for amaze transactions and the balance is insufficient, your transaction will be declined. Please top up your wallet to make your transaction.

    What happens if I have negative balance in my wallet?

    In some instances, your balance may drop below SGD 0 due to a number of reasons (but not limited to) such as:

    1. 1. Recurring payments
    2. 2. Delayed processing by the merchant
    3. 3. Unauthorised transaction

    In cases of unauthorised transactions, please lock your card immediately and report the transaction by following these steps:

    • Open your app and click on the second button (activity icon) on the bottom right.
    • Click on the specific transaction under transaction summary.
    • Click on Report a problem.
    • Alternatively, go to Help Centre in the app to chat with us or submit an enquiry. Our customer service team will require you to complete a dispute form within 14 days from the date of the unauthorised transaction.

    In other cases, please go ahead and top up your wallet to balance out the negative amount and to avoid any issue of overdue payments.

    Will I get rewards from my linked card if I spend using my wallet?

    No, as you did not spend through your linked card. However, you are still eligible to receive InstaPoints on FX spends made using the wallet.

    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?

    Refunds will be credited to your original transacted card. However, in certain cases, the refund amount may be credited to the default linked card or the amaze wallet. Please note that this fully depends on the merchant.

    I have been charged more than once for the same transaction, what do I do?

    At times, merchants process your card payments in a way that creates a duplicate transaction. Merchants will usually refund the duplicate transactions in 8-14 days and the amount will be returned to you automatically.

    If 14 days have passed and the duplicate transaction has not been refunded, please submit an enquiry by logging into Help Centre on web or app. Our customer experience team will get back to you.

    How do I earn InstaPoints and rewards on my linked Mastercard? 

    By linking your amaze card to your Mastercard credit/debit cards, you are eligible for the same rewards on your linked card subject to the issuing bank’s Terms and Conditions. You may wish to check with the issuing bank prior to a purchase. 

    We will also reward you InstaPoints that can be redeemed as cashback when you make eligible foreign currency spends. 

    Is there a maximum cap on earning InstaPoints?

    No, you can earn as many InstaPoints as you wish. However, the maximum InstaPoints awarded per foreign currency transaction is 500 InstaPoints.

    For example, if you spent SGD 500 in foreign currency in a single transaction, you will receive 500 InstaPoints. If you spent SGD 1,000 in foreign currency in a single transaction, you will receive the maximum of 500 InstaPoints.

    Do InstaPoints expire?

    Yes, all InstaPoints issued 1st October 2022 onwards will have an expiry of 12 months from the date of issue. For example, if you received your InstaPoints on 15th October 2022, they will expire on 14th October 2023.

    All InstaPoints issued before 1st October 2022 have an expiry of 6 months.

    Will there be other options to redeem InstaPoints?

    Yes, we are planning to introduce more reward options to you. Stay tuned!

    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.

    How do I protect my amaze card from any potential fraud?

    The safety of your transactions is of utmost importance to us. We ensure that your payments are made to the intended receiver safely, securely and in accordance with regulatory requirements. However, you can follow these tips to further protect your amaze card from fraud:

    • Share your card details: This includes your card number, password, code and PIN. If you need to access your card details to make a payment, go to amaze on the Instarem app, click Card info and copy your card details, or refer to your physical card. Always be sure about who you are paying.
    • Turn on alerts: Keep your mobile number and email address updated by going to My info in your profile on the app, so you receive alerts for every transaction made through amaze. If you suspect somebody is pretending to be us on email, reach out to our customer support team via chat by clicking Ask Adam.
    • Keep a tab on your transaction history: Click on the card icon at the bottom and view your amaze transactions under card activity.
    • Never pay anybody unknown: Scammers can pretend to be government organisations or even your loved ones, so always be alert.
    What do I do if I encounter a suspicious transaction on my amaze card?

    If you find an unknown or suspicious transaction through an email alert or card activity, please lock your card by following these steps:

    • Go to amaze on the Instarem app and click the card icon at the bottom.
    • Click ‘Lock’ on the right. This will prevent any further transactions on your amaze card.

    You may then report the transaction by following these steps:

    • Open your app and click on the second button (activity icon) on the bottom right.
    • Click on the specific transaction under transaction summary.
    • Click on Report a problem.
    • Alternatively, you may dispute the payment via the app. Go to Help Centre, click on Enquiries and add a new enquiry. Select amaze card related enquiry and raise a dispute within 14 days from the date of the unauthorised transaction.
    I have lost my amaze card. What should I do next?

    You can request a replacement and block your existing card, so it does not get misused. Go to amaze on the Instarem app, click the settings icon (Manage) at the top. Click on Replace a card and select the reason as Lost card. Your current card will then be blocked, and you will receive a replacement with new card details almost immediately. Your physical card will arrive in 12-14 days.

    What is Mastercard Travel Rewards? 

    Mastercard Travel Rewards program gives you access to a range of exclusive cashback offers when you travel or shop overseas with amaze. Just pay with your amaze card at participating merchants online or in-store to enjoy these “Spend and Get” offers. Your cashback will be processed automatically and be credited to your amaze card within 30 days.

    View full list of merchants and offers refreshed quarterly here.

    What transactions qualify for Mastercard Travel Rewards? 

    This depends on the “Spend and Get” offer and the eligibility criteria here. Please note that only spends in foreign currency qualify and dynamic currency conversion transactions are not eligible for Mastercard Travel Rewards offers.

    Do I need to enroll in Mastercard Travel Rewards?

    You are auto-enrolled for majority of the Mastercard Travel Rewards offers. However, selected offers may require you to first sign up for an account and register for the offer here.

    Are there any fees or charges associated with Mastercard Travel Rewards? 

    No, there are no fees involved. To enjoy Mastercard Travel Rewards you simply need to spend with your amaze card at participating overseas merchants online or in-store. 

    Will the cashback be credited to my linked card or amaze wallet?

    Your cashback will be credited automatically within 30 days to your amaze default funding source at point of crediting. The cashback will be reflected in your amaze transaction activity screen as “Mccashback (Merchant name)”.

    What happens if I replaced my card before the cashback has been processed? 

    Don’t worry, the cashback will be processed to your new issued card.

    What do I do if I have yet to receive my cashback after 30 days?

    Please take a screenshot of the offer on the Mastercard Travel Rewards website along with your registration details, if any (some selected offers may require registration) and inform us via Help Centre in the app.

    What happens if I terminate my amaze card before the cashback has been processed?

    You will not receive any cashback after you have terminated your amaze card.

    Where can I find out more about Mastercard Travel Rewards?

    Please view the cardholder FAQs at the bottom of the Mastercard Travel Rewards website.

    *View amaze T&Cs

    We top up your account with 25 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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