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American Express Singapore Airlines KrisFlyer Ascend Credit Card Review

Zyane Tan
Zyane Tan
Last updated:  

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 an additional 10,000 KrisFlyer miles if you are new to American Express.

Additionally receive 6,000 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.

S$337.05

Annual Fee

26.9%

Effective Interest Rate

S$50,000

Min Income - Singaporean and PR

Details

Product NameAmerican Express Singapore Airlines KrisFlyer Ascend Credit Card
RewardEarn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
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.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 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.
  • Welcome bonus. Get 5,000 bonus KrisFlyer miles when you make your first charge to your card. Applicable for first-time American Express Singapore Airlines Credit Card applicants only.
  • MyInfo sign-up offer. Get S$20 CapitaVouchers when you select MyInfo to pre-fill your application form and spend a minimum of S$1 within the first month after card approval. Offer is valid for applications received until 31 January 2021 and for approved cards between 1 Aug 2020 and 28 Feb 2021. Other T&Cs apply.
  • Spend Bonus. Get free Bang & Olufsen Beoplay E8 2.0 earphones valued at S$399 when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 Nov 2020
  • 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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