Singapore – Circles.Life has introduced the Zerofy Cashback Card in collaboration with Airwallex and Visa, extending its cashback offering beyond selected digital platforms to a broader range of payments worldwide.
The launch follows the earlier rollout of its Zerofy cashback programme in late 2025, which provided uncapped cashback on transactions made through various e-commerce and service applications.
The new card enables users to receive immediate cashback on purchases without minimum spending thresholds, category limitations or caps. It also supports international transactions without foreign exchange fees, positioning it as both a cashback and travel-oriented payment option. Card activation and management are integrated within the Circles.Life mobile application, allowing users to monitor transactions, balances and controls in a single interface.
“The response from early adopters has been incredible, and we’re seeing real momentum as new subscribers sign up to get access,” Hashim Muntazar, general manager of Circles Life Singapore, shared.
“Powered by our partnership with Airwallex, this is what Circles.Life is all about going beyond connectivity to make everyday life genuinely more rewarding.”
The Zerofy programme, initially limited to selected partner platforms, has recorded consistent user uptake, with reported increases in customer engagement and satisfaction metrics. The expansion through a payment card is intended to broaden access to cashback benefits across both online and offline transactions globally.
Through its integration with Airwallex, the card operates as a multi-currency payment solution, supporting transactions across more than 70 currencies.
“Circles Zerofy Cashback Card shows what’s possible when financial services are embedded directly into platforms consumers already use every day,” Arnold Chan, general manager, Asia-Pacific at Airwallex, commented.
“We’re excited to support Circles as they expand beyond connectivity into financial services, using a global financial infrastructure that’s designed to scale securely and seamlessly from day one.”
The infrastructure also enables near-instant cashback settlement and aims to facilitate cross-border payments with reduced costs. The card is issued on Visa’s network and operates under regulatory oversight from the Monetary Authority of Singapore, supporting international acceptance and transaction security.
Circles.Life and Airwallex indicated plans to further develop embedded financial services for subscribers, with a focus on simplifying payments and financial management across markets. The initiative reflects a wider shift by telecommunications providers towards integrating financial services into digital ecosystems, combining connectivity with payment and commerce functionalities within a single platform.
