Miles for Returns converts last month's Chocolate Finance returns into Max Miles. You convert in the Chocolate app, and the miles are credited to your HeyMax account instantly.
How it works
What is Miles for Returns?
Returns are the monthly amount Chocolate Finance pays you on your account balance. Chocolate explains how returns work in its FAQ.
It is one way to put your savings toward your next trip.
Where does the conversion happen?
You convert your returns in the Chocolate Finance app. Chocolate runs the conversion under its own terms, set out in Chocolate's FAQ.
HeyMax handles what happens after you confirm: crediting your miles and everything you do with them.
When do my Max Miles arrive?
Chocolate converts your returns in its app and the Max Miles are credited to your HeyMax account instantly.
How many Max Miles do I get?
The number of Max Miles you get depends on Chocolate's conversion rate when you convert. Chocolate's rate is 80 Max Miles per S$1 of eligible returns from 1 September to 30 November 2026, then 62.5 Max Miles per S$1 from 1 December 2026. Chocolate determines which returns are eligible; check Chocolate's FAQ for the definition.
For example, converting S$100 of eligible returns gives you 8,000 Max Miles at the 80 miles per S$1 rate, or 6,250 Max Miles at the standard rate.
Chocolate's announcement and FAQ set out the rates; check the Chocolate app for the rate you will get before you convert.
Who can use it
Who can use Miles for Returns?
Miles for Returns is for Chocolate Finance customers who meet Chocolate's balance requirement and hold a HeyMax account under a matching email address. Chocolate requires an average daily balance of at least S$5,000 in your SGD Chocolate account, measured on the previous calendar month (September 2026 is waived for everyone).
Chocolate's FAQ has the full eligibility rules. Our guide to earning Max Miles with Chocolate Finance explains the balance requirement in more detail.
Do my HeyMax and Chocolate emails need to match?
Yes, your HeyMax account must use the same email address as your Chocolate Finance account. Converted miles can only credit to the HeyMax account that matches your Chocolate email.
Timing
When can I convert my returns?
You can convert a month's eligible Chocolate returns at any time during the following calendar month. For example, returns earned in September 2026 can be converted at any time in October 2026.
What happens if I do not convert in time?
Returns that are not converted during the following calendar month do not carry over. Missing the window does not affect the returns themselves, only the option to convert them into Max Miles.
The full conversion terms are in Chocolate's FAQ.
Do I have to convert everything?
No, you choose how much of your eligible returns to convert. You make a fresh choice each month: all of it, some of it, or none at all.
Miles for Returns and card spending are separate
Do I need to convert the miles from my Chocolate card spending?
No, miles from Chocolate card spending are credited to your HeyMax account automatically once each payment settles, typically within 7 days. There is nothing to convert.
Miles for Returns applies only to your monthly Chocolate returns.
After you convert
What can I do with my Max Miles?
You can transfer Max Miles to 27+ airline and hotel loyalty programmes, at a 1:1 rate for most, or use them to book flights through FlyAnywhere. Max Miles never expire, so you can convert a little every month and let the balance build toward your next trip.
See Max Miles transfer partners: airlines and hotels and FlyAnywhere Basics for how redemptions work.
If your miles don't appear
What should I check first?
Check that your HeyMax account and your Chocolate Finance account use the same email address. Converted miles can only credit when the two emails match, so this is the first thing to rule out.
Also confirm that the conversion completed in the Chocolate app.
What if my emails match and the miles are still missing?
Message HeyMax support through the chat in the HeyMax app if your emails match and your converted miles have not appeared.
Include these details so we can trace the conversion quickly:
the email address on your Chocolate Finance account
the email address on your HeyMax account
the date and time you confirmed the conversion
the amount of returns you converted
a screenshot of the conversion confirmation from the Chocolate app