Max Card: Automatically Use the Best Card For Every Spend

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Having multiple credit cards is key to getting the most rewards for our spend. However, managing multiple credit cards and optimising rewards can be incredibly tricky and time-consuming. I have over 30 credit cards, so I know this pain very well.

That’s where Max Card comes in and promises to solve this problem. Max Card is a revolutionary “multi-linkage card” that will consolidate all your existing credit cards into one, offering you a seamless and efficient way to manage your cards while maximising your rewards. Max Card will intelligently direct each transaction to the linked credit card that offers the highest rewards. This innovative approach ensures that you never miss out on earning valuable rewards points or cashback on your purchases.

If this indeed works out, you can say goodbye to the hassle of juggling multiple cards and the confusion of tracking various rewards programs. Getting high rewards for your expenditure will become an automagical thing once you have Max Card.


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Join the waitlist

This sounds really incredible, but Max Card is not yet available for public launch. The team aims to launch in the near future (they are hoping for early access in Q4 2023), but you can join in the waitlist to be one of the first to use the card to see if it lives up to its promises.

All you need is to do is to sign up for the waitlist with just your email address so there is very little downside to doing so.

On top of that, waitlist members will get early access to the Max Card with the first 1,000 signups earning 10,000 Max Miles bonus when the card launches. The first 10,000 signups will earn a 2,000 Max Miles bonus. Early adopters will also get higher reward levels and free premium services for a limited time.

Built by the people behind

Max Card is a highly ambitious project that would make chasing credit card rewards dramatically more accessible, and the features seem almost too good to be true.

Fortunately, the team behind Max Card knows a thing or two about optimising credit card rewards. Max Card is being worked on by the people who brought you, a service that allows you to search for the Merchant Category Codes (MCC) of the places you shop at, allowing you to know what credit card to use for your transaction.

Using this engine, they will build the Max Card’s Rewards Optimization functionality. Using AI and a proprietary algorithm, Max Card determines the best linked credit card for each transaction. It also allows you to customise transaction routing at both the merchant and category levels. You can even switch cards after a transaction is made – something I’m sceptical of but has apparently been used by other payment apps overseas.

Max Miles rewards programme

On top of its features, Max Card introduces a unique rewards programme called Max Miles. By signing up early and referring friends to join, you can earn Max Miles. These miles can be pooled and converted at a 1:1 ratio into air miles for leading airlines and hotels worldwide. Alternatively, you can redeem them for cash. With Max Miles, your everyday purchases can turn into exciting travel opportunities or extra cash in your pocket.

Details are still in the works at the moment so sign up for the waitlist to get updates on more details.


To recap, Max Card promises the following:

  • Lets you link multiple credit cards to it
  • Automated selection of the best card you have for a particular transaction
  • Select a different card after the payment is made
  • Max Miles for added rewards

If Max Card can deliver on just a few of its promised features, it’d be an exciting game-changer for credit card users. Join the waitlist so that you too can have early access to the card!

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