American Express Singapore Airlines KrisFlyer Ascend Credit Card Review

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Earn more miles every time you spend with the American Express Singapore Airlines KrisFlyer Ascend Credit Card.

Currently, you can earn 5,000 KrisFlyer miles on your first use of the card, and a further 16,000 KrisFlyer miles when you spend S$10,000 in your first 3 months of card membership.

Additionally receive 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. The card also earns 2 KrisFlyer miles for every S$1 equivalent foreign spend on eligible purchases during the months of June and December.


Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameAmerican Express Singapore Airlines KrisFlyer Ascend Credit Card
RewardComplimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
Effective Interest Rate26.9%
Interest Free PeriodUp to 22 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly Repayment3% of outstanding balance or S$50, whichever is higher
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Review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card

A step up from the standard American Express Singapore Airlines KrisFlyer product, the Ascend credit card brings an accelerated mile earning rate as well as additional perks and benefits. The annual fee is higher, at S$337.05 for the main cardmember, but the increased miles earning rate and additional benefits can compensate for the increase.

Travel benefits on this card include a higher mile earning rate at 2 KrisFlyer miles per S$1 when you spend in-flight and online with, SingaporeAir mobile app, and KrisShop. Simultaneously, you also get to earn 2 miles for every S$1 equivalent in foreign currency spent overseas during the months of June and December. Cardholders also get one complimentary night at any one of Hilton properties in Asia Pacific, complimentary membership to Hertz Gold Plus Rewards as well as discounted rental on Wi-Fi routers via Changi Recommends.

Benefits of the American Express Singapore Airlines KrisFlyer Ascend Credit Card

Accompanying this credit card are several attractive benefits that are ideal for frequent travellers, including:

  • Earn miles as you spend. You can get 1.2 KrisFlyer miles for each S$1 you spend, as long as it’s an eligible transaction, but almost all point of sale and online retail transactions qualify. Some transactions earn even more miles: every S$1 spent online and in-flight with, SingaporeAir mobile app, and KrisShop earns you 2 KrisFlyer miles, while Grab rides earn 3.2 miles for each S$1 in spend, to a maximum of 640 miles a month.
  • Welcome bonus. Get 5,000 bonus KrisFlyer miles when you make your first charge to your card.
  • Spend Bonus. Earn 16,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 16,000 KrisFlyer bonus miles when you spend another S$10,000 in the 4th to 6th month after card approval. Ends 30 September 2020
  • Up to 61,000 KrisFlyer miles reward. Get up to 61,000 KrisFlyer miles with S$20,000 minimum spend within six months.
  • Perks at Hilton Properties. Your card includes complimentary membership of Hilton Honors at Silver tier which includes late checkout and complimentary Internet access. You also receive one free night every year at Hilton properties located in Asia Pacific.
  • Airport lounges. Cardmembers also get 4 complimentary airport lounge access passes every year, allowing free entry to participating SATS Premier lounges in Singapore and Plaza Premium lounges around the world.

Features of the American Express Singapore Airlines KrisFlyer Ascend Credit Card

In addition to a range of benefits, you also get all the essential credit card features with this card, which include:

  • Emergency card replacement. If you lose your card or of it’s stolen you could get a replacement card within one business day, no matter where in the world you are.
  • Discounts on Wi-Fi routers. You can rent a Wi-Fi router for as little as S$4.65 a day thanks to a special deal with Changi Recommends. Valid till 31 December 2020.
  • Supplementary cards. You can request supplementary cards on your account. Supplementary cardmembers will also accrue miles as they spend and enjoy many of the benefits the principal cardmember enjoys. Each supplementary card carries an annual fee of S$80.25, but this is waived in the first year.
  • Mobile Payments. Conveniently pay with your phone through Apple Pay, Samsung Pay, Google Pay and Amex Pay when you hold an American Express Singapore Airlines KrisFlyer Ascend credit card.

Is this credit card right for you?

The card offers a solid mile earning rate, but it does charge a substantial annual fee. Calculate whether the combination of what you spend on the card, and the resulting miles earned, plus the other card benefits and perks, is worth more than the annual fee.

Application criteria

  • You must be 21 years old or over to apply.
  • Singapore citizens and residents require an annual income of S$50,000 to apply.
  • Foreign workers require S$60,000 or more in income, per annum.

Required information/documents

  • A copy of your ID such as your NRIC or passport.
  • Full details of your employment and income.
  • Evidence of your income such as a payslip.

You can earn more miles almost every time you pay with your American Express Singapore Airlines KrisFlyer Ascend Credit Card while also enjoy a range of travel and leisure perks.

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  1. Default Gravatar
    December 12, 2019

    When will the annual fee be charged?

    • Avatarfinder Customer Care
      December 15, 2019

      Hi Neo,

      Thanks for contacting Finder.

      The annual membership fee will be charged upon the approval of your card.

      Feel free to contact us again if you have any other enquiries!

      Best Regards,

  2. Default Gravatar
    November 12, 2019

    Are American Express Ascend credit card allow for entering to Plaza Premium Lounge in Hong Kong.

    • Avatarfinder Customer Care
      December 15, 2019

      Hi Tan,

      Thank you for contacting Finder.

      Unfortunately, Hong Kong International Airport is not one of the participating airport lounges listed on the American Express Singapore Airlines KrisFlyer Ascend Credit Card’s Terms and Conditions (at the time of writing, 15 December 2019)

      Here are the locations of the card’s participating SATS and PPL Lounges:


      • Brisbane Airport
      • Melbourne Airport
      • Brazil

      • Rio de Janeiro RIOgaleão – Tom Jobim International Airport (Rio)
      • Canada

      • Vancouver International Airport
      • Winnipeg James Armstrong Richardson International Airport
      • Cambodia

      • Phnom Penh International Airport
      • Siem Reap International Airport
      • Canada

      • Edmonton International Airport
      • Toronto Pearson International Airport
      • Kingdom of Saudi Arabia

      • King Khalid International Airport (Riyadh)
      • King Fahd International Airport (Dammam)

      • Beijing Capital International Airport
      • Macau International Airport
      • Shanghai Pudong International
      • Shanghai Hongqiao International Airport
      • Malaysia

      • Kota Kinabalu International Airport
      • KL International Airport
      • Kuching International Airport
      • Penang International Airport
      • Maldives

      • Velana International Airport
      • Oman

      • Salalah International Airport
      • Philippines

      • Mactan Cebu International Airport
      • Indonesia

      • Jakarta Soekarno-Hatta International Airport

      • Kempegowda International Airport (Bengaluru)
      • Rajiv Gandhi International Airport (Hyderabad)
      • Indira Gandhi International Airport (New Delhi)
      • Sardar Vallabhbhai Patel International Airport (Ahmedabad)
      • Italy

      • Rome International Airport – Fiumicino
      • Singapore

      • Singapore Changi Airport Plaza
      • United Arab Emirates

      • Abu Dhabi International Airport
      • United Kingdom

      • London Heathrow Airport
      • Taiwan

      • Taoyuan International Airport (Taipei)

      Hope that helps. Don’t hesitate to contact us again if you have any other enquiries.

      Best regards,

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