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Amaze has faced setbacks — a 1% fee on SGD transactions, reduced InstaPoints, and banks restricting rewards — but it remains useful for overseas spending. Since Amaze codes all spending as online and bills in SGD, it can be paired with selected Mastercards to earn 4 mpd (miles per dollar).
The Citi Rewards Card is the best overall partner, giving 4 mpd on all online spend (except travel), capped at S$1,000 per statement month. Paired with Amaze, it earns 4 mpd almost everywhere, while also bypassing Citi’s restrictions on in-app mobile wallet payments.
The Maybank XL Rewards Card offers 4 mpd on dining, shopping, travel, and entertainment with a minimum monthly spend of S$500, capped at S$1,000. For FCY transactions, pairing with Amaze reduces FX fees to ~2% while retaining 4 mpd.
The OCBC Rewards Card earns 4 mpd on shopping categories (clothes, bags, shoes, department stores), capped at S$1,110 per calendar month, making it best for overseas shopping and duty-free outlets.
In conclusion: Citi Rewards > Maybank XL > OCBC Rewards. Beyond these, it’s usually better to use other strong standalone cards instead of Amaze.
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