American Express Singapore Airlines KrisFlyer Credit Card Review

For a fast way to grow your KrisFlyer balance, consider the American Express Singapore Airlines KrisFlyer Credit Card which rewards you with KrisFlyer miles for almost all your everyday spend.

American Express has teamed up with Singapore Airlines to provide a miles-earning credit card that offers bonus earnings for foreign spend, high earning rates when you pay for Grab, and lots more.

No reviews yet. Write a review

$0 annual fee for 1 year - $176.55 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameAmerican Express Singapore Airlines KrisFlyer Credit Card
RewardFor every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
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 $50, whichever is higher

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. She's also one half of the Pocket Money podcast. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. Sally has a first-class Honours degree in Communications and Media Studies (majoring in Journalism and Professional Writing) from the University of Wollongong.

Expert review

Earning airline miles is one of the most popular ways to enjoy credit card reward benefits and the American Express Singapore Airlines KrisFlyer Credit Card features a solid earnings rate, from 1.1 KrisFlyer miles for every $1 of eligible spend and up to KrisFlyer miles when you pay for Grab for up to $200 per month. The miles you earn are conveniently credited directly to your KrisFlyer account.

The card features a decent welcome and sign-up bonus crediting you with up to 5,000 bonus KrisFlyer miles when you charge your card the first time. Currently, you also get $150 cashback for use at when you spend a minimum of $12,000 until 30 June 2023..

Your KrisFlyer card from AMEX also features Complimentary Travel Accident and Inconvenience benefits up to $350,000. All you have to do is to charge your travel tickets with your card plus you get to enjoy a range of other travel perks and discounts.

Benefits of the American Express Singapore Airlines KrisFlyer Credit Card

  • Spend bonus. Get 5,000 KrisFlyer miles with a minimum spend of $2,000 in the first 3 months and an additional 14,800 KrisFlyer miles if you are new to American Express. Valid until 30 Sep 2022. Also, receive 2,200 KrisFlyer miles based on the $2,000 spending above (based on 1.1 KrisFlyer miles per $1 spent locally). T&Cs apply.
  • Welcome bonus. Earn 5,000 KrisFlyer bonus miles the very first time you charge to your card. Applicable to new customers only.
  • Earn KrisFlyer miles every time you pay. Use your American Express Singapore Airlines KrisFlyer Credit Card and top up your KrisFlyer account with 0.5 KrisFlyer mile for every $1 spent on Singapore Airlines Instalment Plans and 1.1 KrisFlyer miles for every $1 of eligible spend, which includes most transactions. The earnings rate goes up to 2 miles per $1 of foreign spend in June and December, and miles per $1 of spend at Grab up to $200 per month.
  • Complimentary travel insurance. Complimentary Travel Accident and Inconvenience benefits up to $350,000 when you charge your travel tickets on your American Express Singapore Airlines KrisFlyer Credit Card.
  • Overseas Wi-Fi router Rental Rates. Enjoy attractive Overseas Wi-Fi Router daily rental rates, starting at $4.65 with Changi Recommends. T&Cs apply. Valid till 31 Dec 2022.
  • Special privileges at Hertz. Your card comes with complimentary Hertz Gold Plus Rewards membership which includes 10% savings on published car rental rates, a one class upgrade under certain conditions and a waiver of additional driver fees.

Features of the American Express Singapore Airlines KrisFlyer Credit Card

Consider this card if you frequently travel. You can redeem the KrisFlyer miles you accumulate for flights and upgrades on flights you’ve already booked. This is what you can expect from the American Express Singapore Airlines KrisFlyer Credit Card:

  • Annual fee. You’ll be billed $176.55 (inclusive of GST) as an annual fee every year, but the first year’s fee will be waived.
  • Earn miles on all spend. Almost every transaction you make with this card will earn KrisFlyer miles.
  • Miles automatically credited. No need to swap your rewards balance for miles – American Express automatically credits your KrisFlyer account as you spend.
  • Interest-free period. Pay no interest on purchases for up to 22 days when you use your card.
  • Fraud protection. American Express guarantees that you won’t be held responsible for any unauthorised use of your credit card, whether on the Internet or in-store.
  • 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 Credit Card.

Application criteria

It’s quick and easy to apply for an American Express Singapore Airlines KrisFlyer Credit Card, but check the following criteria first:

  • Singapore citizens and residents are eligible if they earn $30,000 p.a. or over.
  • For Expatriates, minimum income requirement should be $45,000 p.a. or over.
  • Minimum age: 21
  • A default-free credit record.

Required information/documents

  • Personal identification such as passport or ID card
  • Employment details, including your income
  • Evidence of your current residential address

After you’ve completed the secure application form, American Express will request that you upload supporting documents via the upload portal.

Bottom line

This card could be a good choice if you make extensive use of airline miles as it directly credits your rewards into a KrisFlyer account, while also offering a decent rewards earning rate.

Ask Finder

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Privacy Policy.
Go to site