Instarem Amaze + Citi Rewards

Best for Miles + Overseas Purchases + No Foreign Transaction Fees
$0 annual fee
Countries available:

Quick review

Instarem Amaze is a prepaid card that allows you to make overseas payments without foreign exchange (FX) fees. It also offers its own rewards programme called InstaPoints, which can be redeemed for cashback or travel.

The Citi Rewards Card is a cashback card that earns 4 miles per dollar (4 mpd) on the first S$1,000 per statement month spent on offline retail shopping and online transactions excluding travel.

When you link the Citi Rewards Card to your Amaze card, all transactions made with the Amaze card will be converted into online transactions, so you can earn the full 4 mpd on all your spending, even on offline transactions.

More product details

Reward Rate (1x-4x)

  • Gain 4 miles for every S$1 spent on shopping and online purchases (excluding travel), applicable for up to S$1,000 expenditure per billing cycle
  • Optimize bonus rewards in designated categories for both local and international acquisitions by transforming offline transactions into online ones
  • Exchange 2,000 InstaPoints for either a cashback of SGD 20 or employ them as discounts for overseas money transfers
  • Acquire 1 InstaPoint for each 1 SGD spent on foreign exchange transactions via the wallet, and receive 0.5 InstaPoint for each 1 SGD spent on foreign exchange using the linked card

Other benefits (Mastercard benefit):

  • Free access to 1,200+ LoungeKey airport lounges if your flight is delayed
  • Up to USD 3,000 insurance for trip inconveniences
  • Up to USD 100,000 travel medical insurance
  • Cashback with 300+ dining, entertainment, hotel, and shopping offers
  • 15 days of free 3GB global data roaming with Flexiroam


  • Annual fee: $0
  • No foreign transaction fee (although there has been claims its FX rate = 1.5% above markup)
  • However, there’s a fee of 2% of the transaction amount (minimum fee of SGD 0.50) applied to some types of domestic (SGD) transactions

Sources: Lemon8, Shrug My Shoulders

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