The Chocolate Visa Debit Card is barely two years old, but it has already seen its fair share of buffs, nerfs, and nationwide furore. Thankfully, things have been relatively quiet over the past year or so, making this a good time to revisit the card and assess where it now stands. Bitter or sweet? Let’s find out. 1 to 2 Max Miles per dollar depending on average Chocolate balance Chocolate Card earns a base 1 mile per dollar on the first S$1,000 spent within a calendar month, and 0.4 miles per dollar on amounts after the first S$1,000. For bill payments (such as healthcare, insurance and other specified MCCs discussed later in this article), cardholders will earn miles only for the first S$100 of spend each month. Users can earn bonus miles through the Miles Multiplier Programme, with higher balances in their Chocolate account translating into more miles per dollar spent on the Chocolate Card. Essentially, every S$5,000 of balance increases the...