Finally: Apple Pay adds support for Amaze Card [update: not yet!]

Apple Pay users can finally add the Amaze Card to their mobile wallet, bringing greater convenience and functionality.


⚠️ Story update: Instarem has clarified that Apple Pay support has not been officially launched, and that the feature was mistakenly made available for testing for a brief period today.

Official statement from Instarem:

“As of today, Instarem has not officially launched Apple Pay support. However, we did make the feature briefly available for testing purposes earlier today. We understand that some users were able to add their amaze card to Apple Pay during this testing period.

Unfortunately, we must inform you that moving forward, these users will not be able to use the Apple Pay feature with Instarem. We apologize for any confusion or inconvenience this may have caused. More information on official launch will be shared at a later time.”

While Google Pay added support for the Amaze Card back in November 2021, Apple Pay users have had to twiddle their thumbs in the meantime (or get a real phone). 

But no longer. Apple Pay finally supports Amaze, which brings added convenience and opens some workarounds for miles collectors. 

Apple Pay adds Amaze support

Effective immediately, Amaze Cards can be added to Apple Pay wallets (even though the official Apple website has not yet been updated to add Nium, the issuer of Amaze).

This not only means one less card to carry in your wallet, but also greater functionality. According to reports, some payment terminals have issues detecting the physical Amaze Card; adding it to Apple Pay should resolve this issue.

On top of this, there’s two more benefits I can think of. 

No more waiting for physical Amaze Card

If you haven’t received your physical Amaze Card yet, or have lost your card and need a replacement, Apple Pay support allows you to continue making payments at brick-and-mortar merchants where contactless payments are allowed. 

All you need to do is add the virtual Amaze Card to your Apple Pay wallet, and tap your phone to pay. 

Kris+ workaround

S$5 for new Kris+ Users
Get S$5 (in the form of 750 KrisPay miles) when you sign-up with code W644363 and make your first transaction

You should know by now not to use the Citi Rewards Card with Kris+, because in-app Apple/Google Pay payments are ineligible for 4 mpd. 

However, pairing the Citi Rewards Card with Amaze helps to circumvent this restriction. Simply add your Amaze Card to Apple Pay, and use it to pay for any Kris+ purchases. You’ll earn 4 mpd on all your spending, capped at S$1,000 per statement month.

XNAP workaround


XNAP is the spiritual successor to LiquidPay, allowing users to earn credit card miles or cashback at merchants that don’t accept cards, such as hawkers, neighbourhood shops and pasar malam stalls.

XNAP only supports Apple Pay or Google Pay, so in other words, those who want to use the Citi Rewards Card face the same issue as with Kris+. Linking Amaze to the Citi Rewards Card will enable them to earn 4 mpd on XNAP transactions, capped at S$1,000 per statement month.


Apply here
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💳 tl;dr: Amaze Card
  • Link up to five Mastercard credit/debit cards
  • Overseas transactions are converted into SGD (no FCY transaction fees, but subject to FX spread) and charged to the underlying credit/debit card
  • Transaction MCC remains the same, offline transactions charged to Amaze become online transactions for the underlying credit/debit card
  • Earn 1 InstaPoint per S$1 spent on FCY transactions of at least S$10 (except exclusion categories), capped at 500 InstaPoints per transaction
    • Reduced to 0.5 InstaPoints per S$1 from 1 August 2023, for card-linked transactions
  • Redeem InstaPoints for cashback in blocks of 2,000 InstaPoints= S$20

Apple Pay has finally added support for the Amaze Card, which is good news for anyone who doesn’t do Android. Not only will you be able to use the Amaze for in-store transactions before the physical card shows up in the mail, you’ll also be able to circumvent the Citi Rewards Card’s restrictions on in-app mobile payments. 

Any other use cases you see for Amaze on Apple Pay?

(HT: @mattclz)

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Maybe this will help us avoid the DCC charges on Apple Pay also



On that note.. will Amaze work on XNAP pairin w crmc and still get 4mpd?


Why not Apple Pay -> Amaze – UOB Lady’s Solitaire on dining for 6mpd?


Thanks but caz my selected cats are travel and fashion haha! + UOB don’t quite well sometimes work caz of the $5 block

Hence wondering if specifically amaze+crmc on xnap will earn 4mpd 🙂


Thanks guys! Will try it out


Waiting for someone to come in and ask – why not CRMC on XNAP … 😀


they dont even have Face ID support for Apple haha


are you sure you are using a iphone?


For sure. Using iPhone 14 pro max


time to update your instarem app


Just added the card to Apple Wallet. Then received an email that said, “Congratulations on adding your amaze card to GooglePay.


Likely the ability to add Amaze card to Apple wallet is implemented in stages for iPhone users. Tried adding to Apple Pay. Unable to do so.

Team Cook

I thought it’s not that Apple had to add support for Amaze, but instead Amaze has to do work to support Apple Pay?


Both of my Mastercards (1 Citi, 1 OCBC) added to Amaze were having fraudulent overseas charges over the past 2 months. Does anyone has similar experience? I’m suspecting data leak, as I’ve only used these 2 cards on Amaze and Amazon.


My ocbc (twice) and Uob cards too. And ocbc is so very difficult to dispute


Added it in Apple Wallet earlier this afternoon 25 July 23, now apple wallet says its no longer supported and removed it, anyone experiencing this as well?


added in yesterday, but today cannot use. delete to re-add, but cannot add any longer.

Justin Chan

Tried adding yesterday too. Not supported by bank.


I wasn’t able to add the card, been trying for months but pop up says not supported.


I cannot add into apple wallet



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