Five years after the Instarem Amaze Card's July 2021 launch, its earliest cardholders are approaching an expiration process that works nothing like the one they've known from every other card in their wallet. Unlike traditional issuers who quietly mail replacements as a matter of course, Instarem places the burden of renewal entirely on the cardholder — and attaches a S$9 penalty for those who miss a 45-day window. In a financial landscape where friction is usually hidden until it costs something, this is a reminder that the fine print of fintech convenience is still print worth reading.