Chocolate Finance Visa Debit

[alex22]

Chocolate Finance Visa Debit.

This popped up today with "Activate Digital Card" on the main.

No FAQ available nor T&C found

 

[sohguanh]

No cash rebate feature and is debit. They use Bitcoin XSGD ? Like some new player for backend payment processing. Until say banks also adopt then ok lor. I will give it a miss.

 

[wav35_]

No cash rebate feature and is debit. They use Bitcoin XSGD ? Like some new player for backend payment processing. Until say banks also adopt then ok lor. I will give it a miss.

I have to read their intro of the card 2x to confirm there's totally no benefit or special feature. maybe to them, no FX transaction fee is a special benefit.

I will give it a miss too. even if i sign up, i can see myself totally not using it.

 

[JuniorLion]

If no benefit, don't use.

 

[xsoldix]

Waiting for the card to ship to me.
Hope they will implement some benefits for card usage. Otherwise its quite redundant imo.

 

[alex22]

If no benefit, don't use.

"Dun apply" reduce exposure

 

[sohguanh]

"Dun apply" reduce exposure

Some ppl apply cuz the card design is nice? But this Chocolate design very not nice IMHO

 

[xsoldix]

Some ppl apply cuz the card design is nice? But this Chocolate design very not nice IMHO

Design apart, how do you justify using your investment as and when you want.
Not very savvy leh.

Or should i be looking at this from mmf point of view and when the time comes, i take and spend it.

 

[sohguanh]

Design apart, how do you justify using your investment as and when you want.
Not very savvy leh.

Or should i be looking at this from mmf point of view and when the time comes, i take and spend it.

To answer your question when to use my investment first I need to get rid of ppl I need to feed which is my mother and children. I.e no need give them monies spend. Then I will plan and share how I want to spend my investment.

 

[xsoldix]

Just check, anyone got update on their card’s shipment?

i clicked and request when first launch, havent received or update that its shipped yet. Lol.

 

[JuniorLion]

Just check, anyone got update on their card’s shipment?

i clicked and request when first launch, havent received or update that its shipped yet. Lol.

Maybe still in production.

 

[alex22]

Just check, anyone got update on their card’s shipment?

i clicked and request when first launch, havent received or update that its shipped yet. Lol.

@xsoldix
Got rcv liao? Look nice?

 

[xsoldix]

@xsoldix
Got rcv liao? Look nice?

Yea. Received last Friday.
Look exactly like the card image in app.

tried fx

MYR1:S$0.3037
06Nov 2+pm.

Wished they had a separate wallet for debit card use. A bit uneasy to deduct from main balance. So i keep freeze my card.

 

[alex22]

Yea. Received last Friday.
Look exactly like the card image in app.

tried fx

MYR1:S$0.3037
06Nov 2+pm.

Wished they had a separate wallet for debit card use. A bit uneasy to deduct from main balance. So i keep freeze my card.

Freeze repeatedly never trigger them ah?
Oh nice.

 

[xsoldix]

Freeze repeatedly never trigger them ah?
Oh nice.

Nothing lo. Its just visa card freeze and refreeze ma.

anyway, no perks to use this debit card.
To be just like Youtrip alternative.

 

[xsoldix]

Able to add to Apple Pay wallet.

 

[sglandscape]

Nothing lo. Its just visa card freeze and refreeze ma.

anyway, no perks to use this debit card.
To be just like Youtrip alternative.

So can use the account like a bank account for spending, good idea for those who use it for daily transactions.

 

[xsoldix]

So can use the account like a bank account for spending, good idea for those who use it for daily transactions.

Yup. But there are other alternatives with similar functions with better rewards.

 

[hclee01]

https://suitesmile.com/blog/2025/02/04/rumour-heymax-x-chocolate-card-earn-miles-with-zero-fx-fees/

I’ve received word from a (very) reliable source that we will soon have a miles disrupter (of sorts) via a Chocolate Finance x HeyMax collaboration. Here’s a little sneak peek.

Unfortunately, aside from the fact that you can earn miles while enjoying zero FX fees as an ongoing card benefit, I am not able to share more details at this time.

 

[xsoldix]

its it's true that they are pushing for user usage, i really hope that they can implement a separate pocket/wallet instead of direct deducting from the main account.

imagine fraudulent transaction, your $5k per transaction, total $20k per day at risk.