American Express Singapore Airlines KrisFlyer Ascend Credit Card Review

American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
  • Get up to 1.2 KrisFlyer miles for every S$1 spent.
  • Travel inconvenience and accident benefits.
  • 4 complimentary airport lounge access passes every year.
Learn more Go to site

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

Currently, you can earn 15,000 KrisFlyer miles on your first use of the card, and a further 15,000 KrisFlyer miles when you spend S$10,000 in your first 3 months of card membership.

Additionally receive 24,000 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.

Product NameAmerican Express Singapore Airlines KrisFlyer Ascend Credit Card
RewardGet up to 1.2 KrisFlyer miles for every S$1 spent
Effective Interest Rate25.9%
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
Go to site
More Info
Annual FeeS$337.05 annual fee
Supplementary Annual FeeS$80.25
Late Payment FeeS$90
Cash Advance Charge5% of the amount withdrawn
Foreign Currency Transaction Fee2.5%
Go to site
More Info
Min Income - Singaporean and PRS$50,000
Min Income - ForeignerS$60,000
Min Age - Primary Holder21
Min Age - Supplementary Holder18
Go to site
More Info

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.com, SingaporeAir mobile app, silkair.com 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 110 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.com, SingaporeAir mobile app, silkair.com 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 offer. Get 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. T&Cs apply. Ends 30 Sep 2019.
  • Spend Bonus. Earn 15,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. Ends 30 September 2019.
  • 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 over 110 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.
  • 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.

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. If the overall card offer appeals to you, click the green “Go to site” button to start the easy online application.

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and .

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site