HeyMax Guide (2026): Earn Max Miles on Every Dollar Spent

Key Takeaways

• HeyMax is a free Singapore-based loyalty app that lets you earn Max Miles, its proprietary rewards currency, on top of your existing credit card rewards when you shop, dine, or book travel through its partner merchants.
• Max Miles never expire and can be redeemed in three ways: (i) transferred 1:1 to 30+ airline and hotel loyalty programmes, (ii) used to offset any flight via FlyAnywhere at S$0.018 per mile, or (iii) converted into gift cards from brands like Shopee and Grab.
• The Card Maximiser feature automatically tracks your credit card rewards, bonus caps, and spending across linked Visa cards, helping you never miss a bonus category again.
• HeyMax First (launched in April 2026) is a “fly now, earn later” facility that lets eligible members access up to 1 million Max Miles upfront—an innovative flip to the traditional miles-earning model.

If you are a miles chaser, chances are you have already heard of HeyMax. The Singapore-founded loyalty platform has been making waves since 2023, promising users a free vacation every year simply by optimising their spending habits. Unlike other rewards apps that offer modest cashback, HeyMax is built entirely around miles, and it has quickly become a must-have for those serious about maximising travel rewards.

HeyMax aims to solve a crucial headache for every multi-card holder: keeping track of which credit card to use for which purchase.

In this comprehensive HeyMax review, we’ll cover how the platform works, how to earn and redeem Max Miles, the Card Maximiser feature, the new HeyMax First membership, partner merchants, and whether the app deserves a spot on your phone. Let’s dive in!

What Is HeyMax?

HeyMax is a Singapore-based travel and loyalty platform founded in 2023 by former Meta engineers. Its core idea is simple: when you shop through the HeyMax app, partner brands pay HeyMax a commission, and HeyMax shares that commission with you in the form of Max Miles—its proprietary rewards currency, which can be converted into miles (more on that later).

The beauty of how HeyMax works: you don’t need to change your spending habits! After linking your Visa credit or debit cards to the app, you can shop at partner merchants through the HeyMax portal, buy vouchers, or dine at participating restaurants. You earn Max Miles on every eligible transaction, on top of the rewards your credit card already gives you. This “double-dipping” strategy is central to the perennial question of how to earn HeyMax miles effectively.

What Can You Use HeyMax Max Miles for?

Max Miles can be redeemed for flights, hotel stays, or gift cards. Unlike traditional frequent flyer miles that come with blackout dates, expiration deadlines, and limited availability, Max Miles never expire, and there are no fees to redeem them. HeyMax currently partners with over 800 merchants in Singapore, spanning diverse categories such as:

• Travel: Trip.com, Agoda, Klook, Emirates, Singapore Airlines, AirAsia
• Shopping: Shopee, Lazada, Zalora, Amazon.sg
• Food & Beverage: Grab, foodpanda
• Groceries: NTUC FairPrice
• eSIM & Connectivity: Various eSIM plan providers (check the app for current offers)

Once you have accumulated enough Max Miles, you have three main ways to use them: (i) transfer to airline and hotel partners, (ii) offset flights via FlyAnywhere, or (iii) redeem gift cards.

#1 Transfer Max Miles to a Partner Airline or Hotel

HeyMax lets you convert your Max Miles into points or miles with over 30 airline and hotel loyalty programmes. The platform supports three transfer methods:

Transfers are irreversible once confirmed, and you can only transfer Max Miles to an airline or hotel membership that matches the name on your HeyMax account. Additionally, there are no monthly or daily transfer limits beyond your available Max Miles balance to worry about.

Partner programmes include:

• Cathay Pacific
• Qatar Airways Privilege Club
• Accor
• Air France-KLM
• AirAsia
• EVA Air Infinity MileageLands
• IHG
• SAS
• Shangri-La

And many more! Transfers happen at a 1:1 ratio with no transfer fees, and promotional rates apply to some transfers.

Protip: How to Convert Heymax Miles to KrisFlyer Miles

You may have noticed that Singapore Airlines KrisFlyer is not a direct transfer partner of HeyMax. However, there is a workaround through the yuu Rewards Club. Here is how the pathway works:

1. Transfer your Max Miles to yuu Points at a rate of 1 Max Mile = 3 yuu Points, with a minimum transfer of 1,000 Max Miles (which gives you 3,000 yuu Points). There are no fees for this conversion.
2. Convert your yuu Points to KrisFlyer miles at a rate of 198 yuu Points = 55 KrisFlyer miles (approximately 3.6 yuu Points per KrisFlyer mile), with a minimum of 200 yuu Points per conversion. There are no conversion fees or caps.

Eligibility: You need an active HeyMax account and a personal yuu Rewards Club account. Each HeyMax account can link to only one yuu account, and that account must belong to you. The linkage is permanent—once linked, you cannot unlink it.

Processing time: Transfers from Max Miles to yuu Points typically take up to 3 working days, though they may take up to 14 working days in some cases. Once yuu Points are credited, converting them to KrisFlyer miles can be done easily within the yuu app.

Important note: Conversions are one-way and final. You cannot reverse a transfer or convert yuu Points back to Max Miles. Also, yuu Points expire 2 years from the date of issuance under yuu’s standard policy.

#2 Offset Flight Tickets With HeyMax FlyAnywhere

For the uninitiated, Heymax FlyAnywhere is arguably the most flexible redemption option available on any miles platform. It allows you to use Max Miles to offset the cost of any commercial flight. That’s any airline, any cabin class, any destination, with no blackout dates and no restrictions.

Here is how HeyMax FlyAnywhere works step by step:

1. Book any flight through your preferred channel, such as the airline’s official website, an online travel agency (OTA) like Expedia or Trip.com, or even a brick-and-mortar travel agency.
2. Save your receipt showing the traveller’s name and the total amount paid.
3. Submit a FlyAnywhere redemption request in the HeyMax app by uploading your receipt and entering your PayNow phone number.
4. Get reimbursed via PayNow at a rate of S$0.018 (1.8 cents) per Max Mile, typically within 3 to 5 business days.

For example, if you book a flight that costs S$500, you would need approximately 27,778 Max Miles (S$500 ÷ S$0.018) to fully offset it.

Note these key points:

• Redemption requests must be submitted within one month of the flight booking date.
• You can make redemptions on behalf of someone else; the traveller does not need to be you.
• Only the cash portion of the flight is eligible. If you pay partially with gift cards, vouchers, or airline credits, only the remaining cash component can be redeemed. Non-cash methods such as United TravelBank or airline credits are not eligible.
• Partial redemptions are not allowed. You must have enough Max Miles to cover the full cash amount you wish to claim.
• Both budget and full-service carriers are supported, and tickets in foreign currencies are converted to SGD at the prevailing spot rate.
• A minimum of 1,000 Max Miles (equivalent to S$18) is required per redemption.

If you are planning a trip to Japan, check out our guide to the best eSIM plans for Japan travel to stay connected affordably while you are there.

#3 Redeem Gift Cards

If you prefer not to use your miles for travel, HeyMax vouchers offer a flexible alternative. You can redeem Max Miles for digital gift cards and e-vouchers from popular brands directly in the app. Redemption works at a rate of 100 Max Miles = S$1 in gift card value, which is, granted, lower than the travel redemption options, but still useful for mopping up leftover miles!

Merchants available for gift card redemption include Shopee, Lazada, Grab, Amazon, Sephora, FairPrice, and more, although availability varies.

It’s easy to redeem: simply tap on the “Redeem” tab in the HeyMax app, select the gift card or voucher you want, choose the amount, and confirm. The digital code is delivered instantly.

HeyMax Card Maximiser

The HeyMax Card Maximiser is one of the platform’s most powerful features for users who juggle multiple credit cards. It does two things:

1. Auto-tracks your credit card rewards: Once you link your Visa cards, Card Maximiser automatically monitors your spending, calculates how many points or miles you have earned on each card, and shows how close you are to hitting bonus caps or minimum spend requirements—all in one dashboard. The points and miles shown are your credit card issuer’s rewards, not Max Miles.
2. Recommends the best card: For any given merchant, HeyMax can suggest which card in your wallet will earn you the most rewards based on that merchant’s Merchant Category Code (MCC).

The Card Maximiser currently supports only Visa cards issued in Singapore. You can link almost any Singapore-issued Visa card to track your spending, but full reward tracking (points/miles earned, bonus cap progress) is currently available on selected cards, including:

• Chocolate Visa
• Citi PremierMiles Visa
• Citi Rewards Visa
• DBS Altitude
• DBS Vantage
• DBS yuu
• HSBC Revolution
• Maybank eVibes
• Maybank Horizon Visa Signature
• UOB Visa Signature
• UOB Preferred Platinum Visa
• OCBC Premier Voyage
• OCBC Voyage
• Standard Chartered Journey Card
• Standard Chartered Smart Card

The system works through a partnership with Visa’s secure network. HeyMax does not collect or store your full card number—the linkage uses Visa’s tokenised system for security.

HeyMax & Chocolate Finance

The HeyMax and Chocolate Finance integration is one of the easiest ways to earn Max Miles on everyday spending, especially if you prefer using a debit card over a credit card. Launched in February 2025, this partnership made the Chocolate Finance Visa Debit Card the first Visa debit card in Singapore to earn miles on all purchases.

Here is how the earning structure works when spending with the linked Chocolate Finance Visa Debit Card:

• 1 Max Mile per S$1 spent on your first S$1,000 of spending each calendar month.
• 0.4 Max Miles per S$1 spent on all spending beyond S$1,000 with no cap.
• Bill payments earn miles, too, capped at 100 Max Miles per month.

On top of that, Chocolate Finance offers a Miles Multiplier based on your average monthly account balance:

For example, if you maintain a S$10,000 balance and spend S$1,000 in a month, you would earn 1,000 Max Miles plus a 10% bonus of 100 miles, for a total of 1,100 Max Miles.

Important: You must link your Chocolate Finance Visa debit card to HeyMax to earn Max Miles from the card. To set it up:

1. Open the HeyMax app and go to the “My Cards” tab.
2. Tap “Add Cards” and select “Chocolate Card” from the list.
3. Verify your card with a S$0.01 test charge (refunded within 14 days).

Note that Chocolate Finance currently only supports Google Wallet for mobile payments.

HeyMax First

In April 2026, HeyMax launched HeyMax First, a membership programme that flips the traditional miles-earning model. Instead of spending years accumulating miles before you can redeem them, HeyMax First gives you access to a miles pool upfront.

Think of it as a credit line for miles. You can redeem them immediately for flights, then earn back the deficit at your own pace through everyday spending. The concept has been described as “Fly Now, Earn Later.”

The waitlist opened on 15 April 2026, with members gaining access starting in Q2 2026. The first 10,000 members selected will enjoy a membership fee waiver for the first year. However, selection is at HeyMax’s discretion and not purely first-come, first-served—users with a longer track record of HeyMax usage are likely to be prioritised.

Membership Tiers:

How the fees work:

• Membership fee: Waived for the first 10,000 members in the first year. Must be paid from the second year onwards. This fee is non-refundable.
• Access fee: Paid every time you draw down from your miles pool, in blocks of 10,000 Max Miles. For example, a Gold member withdrawing 50,000 Max Miles would pay S$1,350 (50,000 × 2.7 cents). This fee is fully refundable—as you earn back Max Miles through everyday spending, your access fee is refunded in blocks of 10,000 Max Miles. Once you have earned back the full amount you borrowed, you will have received your entire access fee back.

Both fees are paid via PayNow, which means you cannot earn additional credit card miles on these payments.

If you are unable to earn back the Max Miles within a reasonable timeframe, the access fee you paid acts as the cost of borrowing those miles. While HeyMax has not publicly detailed every scenario, the core premise is that if you earn back the miles, the access fee is fully refunded; if you do not, the access fee is effectively the price you paid for early access.

Members can redeem Max Miles from over 30 airline loyalty programmes spanning all three major airline alliances (Star Alliance, oneworld, SkyTeam), plus independent hotel programmes like Accor, Hyatt, Marriott, and Hilton.

Airline and Hotel Loyalty Programme Partners on HeyMax

HeyMax partners with over 30 airline and hotel loyalty programmes, all at a 1:1 transfer ratio with no fees. Here is a snapshot of the major partners:

Note: Not all partners support Direct Points Transfer—some are available only through the Cash-for-Miles method. Check the HeyMax app for the most up-to-date list of partners and supported transfer methods for each.

HeyMax Partner Merchants

HeyMax works with over 400+ merchants in Singapore, where you can earn Max Miles by shopping through the app. Here is a selection across key categories:

To earn Max Miles, always start your shopping journey in the HeyMax app: search for the merchant, tap through to their site, and complete your purchase in the same session. Do not use ad blockers or external promo codes, as these can interfere with tracking.

Summary

HeyMax is a thoughtfully designed loyalty platform that genuinely adds value for anyone who wants to earn more miles without overhauling their spending habits. It stands out in Singapore’s crowded fintech landscape with its triple strength: earning Max Miles on top of credit card rewards, the Card Maximiser for optimising which card to use, and the flexible redemption options.

HeyMax is best for:

• Multi-card holders who want to stop second-guessing which card to swipe.
• Miles enthusiasts who want to accelerate their earnings through double-dipping.
• Travellers who value flexibility. FlyAnywhere lets you redeem miles for any flight, any airline, with no blackout dates.
• Debit card users (via Chocolate Finance) who want to earn miles without a credit card.
• Anyone curious about HeyMax First. If you can secure a spot among the first 10,000 members, the first-year fee waiver makes it a low-risk way to try “fly now, earn later.”

However, if you rarely travel or prefer straightforward cashback over miles, a cashback credit card or a platform like ShopBack may be a simpler fit.

Make the most of your miles when you travel by pairing HeyMax with the right spending tools! Check out our best multi-currency cards and travel cards comparison to save on FX fees, and our Mari Credit Card review if you are looking for a card that earns 1.5% cashback on overseas spend. If you are heading to Malaysia, our best eSIM plans for Malaysia guide will help you stay connected. For understanding how card rewards are categorised, bookmark our Merchant Category Codes (MCCs) guide.