| The following is a sponsored post by Chocolate Finance. All opinions remain those of The MileLion. |
Chocolate Finance will soon be kicking off The Chocolate Games, a 10-day competition with 10 million Max Miles up for grabs.
Contestants can win up to 50,000 Max Miles per day by playing four simple games (and believe me, they are simple), with the top eight overall scorers advancing to the finale to compete for a grand prize pool of 1 million Max Miles.
With 1:1 transfers to nearly three dozen airline and hotel partners, Max Miles are arguably the best points currency in Singapore. You can even cash them out at 1.8 cents per mile through FlyAnywhere, or for hotel stays at 3 cents per mile through Accor Live Limitless.
The games will begin on Monday, 27 April 2026, and you can add your name to the waitlist now to get an alert once they go live.
Overview: Chocolate Games
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| Chocolate Games |
The Chocolate Games run from 27 April to 6 May 2026, with 10 million Max Miles to be given away over this 10-day period.
Games are open to any Singapore resident aged 18 and above. You technically don’t require a Chocolate Finance account to play, but to redeem the miles you win, you will need to create an account (no minimum balance necessary) and pair the Chocolate Visa Debit Card with a HeyMax account.
There are a total of four games to play:
- The Blink: Blink to rack up points
- Make It Rain: Swipe to make it pour
- The Tap: Tap your way to the top
- Cash Cow: Shake and score
The four games are, as Chocolate puts it, “stupidly easy”. The prizes, however, are “stupidly rewarding”, as the top 50 scorers of each game daily will win 200 to 50,000 Max Miles.
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🏆 Daily Prizes for Chocolate Games
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| Game Rank | Prize |
| 1st | 50,000 miles |
| 2nd | 25,000 miles |
| 3rd | 16,000 miles |
| 4th to 10th | 12,000 miles |
| 11th to 15th | 5,000 miles |
| 16th to 20th | 1,000 miles |
| 21st to 25th | 500 miles |
| 26th to 50th | 200 miles |
There is no limit to the number of tries per game; your highest score of the day is all that counts. Players can boost their earnings further by maintaining daily streaks, sharing scores on social media and referring friends.
| Streaks |
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| Sharing Scores |
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| Referrals |
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The Chocolate Games culminate in a livestreamed Grand Finale on 10 May 2026, where the top two players from each of the four games will go head-to-head, for a grand prize of 250,000 Max Miles.
Earning Max Miles with the Chocolate Visa Debit Card
 Chocolate Visa Card |
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| Apply here |
You can further boost your Max Miles by spending on the Chocolate Visa Debit Card, which offers:
- 1 Max Mile per S$1 for the first S$1,000 spent per calendar month
- 0.4 Max Miles per S$1 beyond that
These earn rates also apply to bill payments such as insurance premiums and utilities, but subject to a cap of 100 Max Miles per month.
| 💳 Bill Payments for Chocolate Visa Debit Card | |
| MCC | Category |
| MCC 4900–4999 |
Utilities |
| MCC 6300–6399 |
Insurance |
| MCC 6513, 6531 |
Real Estate and Property Management |
| MCC 7311–7399 |
Business Services |
| MCC 8011–8099 |
Medical Services, Health Practitioners, Hospitals, Dentists |
| MCC 9311–9399 |
Government Services |
| For the avoidance of doubt, the 100 miles cap on bill payments is shared among all categories | |
However, charitable donations and education are not classified as bill payments, and since these are excluded from rewards by most credit cards, you might as well take the opportunity to earn 1 mpd with the Chocolate Visa.
Overseas transactions are not subject to any FX fees, and cardholders can earn bonus Max Miles based on the monthly average balance in their Chocolate Finance account.
| Monthly Average Balance* |
Multiplier % |
| <S$5K | 0% |
| S$5K to <S$10K | 5% |
| S$10K to <S$15K | 10% |
| S$15K to <S$20K | 15% |
| S$20K to <S$25K | 20% |
| S$25K to <S$30K | 25% |
| … | … |
| S$100K and above | 100% |
| *Includes both SGD and USD balances | |
What can you do with Max Miles?
HeyMax’s partner list keeps growing, with the company setting an ambitious target of 50 airline and hotel partners by 2027.
All the partners with a Direct tag support in-app transfers via the HeyMax app (usually instant, but not always). For all other partners, HeyMax will issue a prepaid Visa card to purchase points from the relevant programme.
| HeyMax Transfer Partners | |
| ✈️ Airlines | |
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| 🏨 Hotels | |
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To give you some ideas, you could redeem a one-way First Class ticket from Singapore to Japan with just 40,000 Max Miles, via American AAdvantage.
Even if you land on one of the smaller prizes, a one-way Economy Class ticket to Hong Kong or Taipei on Cathay Pacific costs just 9,000 Max Miles, via Asia Miles .
For more ideas on what to do with Max Miles, refer to my guide here.
You can also cash out Max Miles at 1.8 cents each via the FlyAnywhere option, so there’s no reason to ever choose any programme where the per point value is below this threshold.
How much do funds in Chocolate Finance earn?
Chocolate Finance customers can enjoy returns of up to 2% p.a. for SGD accounts and 4.1% p.a for USD accounts, per the table below.
| One-Month Returns, Cash vs Max Miles |
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| Amount | Returns (SGD) |
Returns (USD) |
| First S$20,000 (Supported by the Top Up Programme) |
2% p.a. | 4.1% p.a. |
| Next S$30,000 (Supported by the Top Up Programme) |
1.8% p.a. | 3.8% p.a. |
| Beyond S$50,000 (Targeted) |
1.8% p.a. |
3.8% p.a. |
It’s worth noting that you can boost these returns slightly by opting to convert your monthly returns into Max Miles (at a rate of 1.6 cents per Max Mile), before cashing them out through FlyAnywhere (at a rate of 1.8 cents per Max Mile). This is a new programme that Chocolate is testing with a limited number of users, so be sure to check your Chocolate app to see if you were selected.
For example, if I have S$20,000 in my Chocolate Finance account, my monthly return will be S$33.33. I can choose to convert this into 2,083 Max Miles, then cash out the Max Miles through FlyAnywhere for S$37.49. This boosts my effective return to 2.25% p.a.
Conclusion
The Chocolate Games are coming next week, with 10 million Max Miles on the line. 200 winners a day over 10 days makes 2,000 winners, so that’s a lot of miles to be given out.
Add your name to the waitlist to get a reminder once the games go live. Best of luck!
