Somewhere in Singapore, a number arrived in an inbox or on a phone screen, and it now decides whether a modest reward is worth chasing. Amaze Card, the wallet and card service run by Instarem, has opened a fortnight of bonus InstaPoints from 1 to 15 November 2026, but each holder's qualifying spend threshold is personal, and the gain depends on how far one can cross it before the deadline. The offer is generous in form and limited in reach: the ceiling is 2,000 points, the rebate is small, and the fine print asks people to plan around posting dates and statement cycles. For most, it will be a
Amaze Card's November Promo Offers Up to 2,000 Bonus InstaPoints, But Only Above Your Personal Spend Goal
Only a QSA of S$300 earns the full bonus within the Citi cap
Mark
So what is actually on offer here?
Mimi
Three bonus InstaPoints per S$1, but only on spend above a personal threshold, the QSA, between 1 and 15 November. The bonus tops out at 2,000 points.
Mark
And that's worth how much?
Mimi
At most S$25 in cashback, and that redemption is limited to once a month.
Luke
Worth noting the QSA range, S$300 to S$2,200, comes from MileLion Community reports. Instarem hasn't published the full range, so we don't know who gets which number.
Mark
Why does it matter that it covers card-linked spend?
Mimi
Normally you give up credit card rewards to earn InstaPoints. Here you keep both, so you don't change habits.
Mark
What trips people up?
Mimi
Posting dates. Transactions must post by 15 November, and posting takes one to three days. The writer wouldn't spend after 13 November.
Luke
Also, that 13 November cutoff is his personal comfort level, not a rule from Amaze. And the 16 December crediting date is wording in the terms, "from", so it's not a guaranteed day.
Mark
Does the full bonus make sense for everyone?
Mimi
No. With the Citi Rewards Card's S$1,000 monthly cap, only a S$300 QSA fits the full bonus. Higher ones need other cards.
Luke
And whether it's worth chasing depends on your QSA and normal spend, which the reporting can't tell us for any given reader.
El Pulso
- A personalised qualifying spend figure, ranging from S$300 to S$2,200, now determines whether the November bonus is worth anything to each cardholder.
- Spend must post by 15 November, and posting takes one to three days, so the real cutoff arrives earlier than the date on the promotion.
- Excluded categories such as utilities, insurance, government payments and tolls keep many everyday transactions from counting toward the bonus.
- The 2,000-point cap equals roughly S$25 in cashback, and at best the offer matches a 3.75% rebate, so the gain is small but low-risk.
- Points will not be credited until late December at the earliest, leaving a window in which card statements and leftover balances must be watched carefully.
Somewhere in Singapore, a number arrived in an inbox or on a phone screen, and it now decides whether a modest reward is worth chasing. Amaze Card, the wallet and card service run by Instarem, has opened a fortnight of bonus InstaPoints from 1 to 15 November 2026, but each holder's qualifying spend threshold is personal, and the gain depends on how far one can cross it before the deadline. The offer is generous in form and limited in reach: the ceiling is 2,000 points, the rebate is small, and the fine print asks people to plan around posting dates and statement cycles. For most, it will be a quiet exercise in arithmetic rather than a windfall.
Some Amaze Card holders in Singapore have received a personal qualifying spend amount, or QSA, by email or push notification. That number decides whether a promotion running from 1 to 15 November 2026 is worth anything to them.
The offer pays 3 bonus InstaPoints for every S$1 spent above the QSA, on top of the usual points. Unlike ordinary Amaze earning, it covers both wallet-linked and card-linked spend, so cardholders can keep their credit card rewards too. The bonus is capped at 2,000 points, which means the most spend that earns anything is the QSA plus about S$667.
The catch is that the QSA range has not been published. Community reports suggest figures from S$300 to S$2,200, and new cardholders during the promotion receive S$300. Transactions must post by 15 November, and posting can take several days, so many will treat 13 November as the practical deadline. Bonus points are not expected until mid-to-late December.
The prize is modest. At most, 2,000 points is worth about S$25, equal to a 3.75% rebate, and the offer is best described as low-risk but unexciting. The practical ceiling for most people is the Citi Rewards Card's bonus cap of S$1,000 per statement month, and leftover points, which expire after twelve months, deserve attention before they lapse.
Some Amaze Card holders in Singapore have received an email or push notification with a number in it: a personalised qualifying spend amount, or QSA. That figure decides whether a new promotion running from 1 to 15 November 2026 is worth anything to them.
The offer is 3 bonus InstaPoints for every S$1 spent above the QSA, on top of the usual InstaPoints. Unlike normal Amaze earning, it applies to both wallet-linked and card-linked spend, in Singapore dollars and foreign currency. Cardholders who link a credit card can therefore keep their card rewards and collect InstaPoints at the same time. Outside promotions, InstaPoints come only from wallet-linked spend, which means forgoing credit card rewards.
The arithmetic is simple. With a QSA of S$300 and spending of S$800, the bonus is S$500 times 3, or 1,500 InstaPoints. The bonus is capped at 2,000 InstaPoints for the whole period, so the most spend that earns anything is the QSA plus about S$667.
The catch is the QSA itself. Instarem, which runs Amaze, has not published the full range. Members of the MileLion Community have reported figures of S$300, S$350, S$450, S$500, S$700, S$950, S$1,550 and S$2,200. Anyone who signs up for a new Amaze Card during the promotion gets a QSA of S$300. Transactions under S$10 earn no InstaPoints but still count toward the QSA.
Timing is the second catch. Transactions must post by 15 November, Singapore time, and posting usually takes one to three days. The MileLion's writer would not be comfortable spending from 13 November onward. The bonus points are to be credited in the month after the promotion; the terms say fulfilment is "from" 16 December 2026, so it could be late December before they appear.
Qualifying spend covers online and offline transactions in SGD and foreign currency, but excludes a long list of merchant categories. These include charitable donations, education, government services, insurance premiums, hospitals and utility bills. Also excluded are tolls, parking, rentals, stored-value top-ups, tax payments, fines, postal services and membership organisations.
The prize is modest. 2,000 InstaPoints is worth at most S$25 in cashback, and that denomination is limited to one redemption a month. At that rate, the 3 bonus points per S$1 equal a 3.75% rebate. On the 1,000-for-S$5 option, the rebate is 1.5%. In miles terms, the bonus works out to 1 mpd. Converting to KrisFlyer at 1,200 InstaPoints for 400 miles is a poor deal. Paying S$15 of value for 400 miles costs 3.75 cents a mile on the S$25 basis, or 1.5 cents on the S$5 basis. InstaPoints expire 12 months after crediting, and earning or redeeming does not extend that.
The practical limit for most people is the Citi Rewards Card, whose 4 mpd bonus caps at S$1,000 per statement month. Only a S$300 QSA reaches the full 2,000 InstaPoints within that cap, at S$967 of spend. A S$2,200 QSA would need S$2,867. The Citi cap follows the statement month, so a statement ending inside the promotion could give two S$1,000 caps. Higher QSAs would need other pairings, such as the Maybank XL Rewards or OCBC Rewards Card, and only for purchases in their bonus categories.
The MileLion calls the promotion "meh" but low-risk. Since most people already use card-linked Amaze, participation costs nothing extra and card rewards continue. One risk is leftover points. Because card-linked spend normally earns none, a balance that doesn't fit the redemption blocks could expire or be cashed out at the weaker rate. The deadline to watch is 15 November, for posting rather than purchase.
Citas Notables
The writer says he wouldn't be comfortable with any spending made from 13 November onwards, given posting delays.— The MileLion
Quieres la nota completa?
Lee el original en The MileLion ↗
Politics & Governance