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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.

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S$0 annual fee for 1 year - S$176.55 thereafter

Annual Fee

26.9%

Effective Interest Rate

S$30,000

Min Income - Singaporean and PR

Details

Product NameAmerican Express Singapore Airlines KrisFlyer Credit Card
RewardFor every S$1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June and 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 S$50, whichever is higher
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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 S$1 of eligible spend and up to 3.1 KrisFlyer miles when you pay for Grab for up to S$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 S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2022.

Your KrisFlyer card from AMEX also features Complimentary Travel Accident and Inconvenience benefits up to S$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

  • Earn KrisFlyer miles every time you pay. Use your American Express Singapore Airlines KrisFlyer Credit Card and top up your KrisFlyer account with 1.1 KrisFlyer miles for every S$1 of eligible spend, which includes most transactions. The earnings rate goes up to 2 miles per S$1 of foreign spend in June and December, and 3.1 miles per S$1 of spend at Grab up to S$200 per month.
  • Introductory bonus points offer. Earn 5,000 KrisFlyer bonus miles the very first time you charge to your card. Applicable to new customers only.
  • Complimentary travel insurance. Complimentary Travel Accident and Inconvenience benefits up to S$350,000 when you charge your travel tickets on your American Express Singapore Airlines KrisFlyer Credit Card.
  • Discounted Wi-Fi router. Enjoy portable Wi-Fi router rentals at a reduced rate of S$4.65 per day courtesy of Changi Recommends. Valid till 31 Dec 2021.
  • 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.
  • American Express Selects. Pay up to 25% less at restaurants throughout Singapore and the rest of the world, thanks to American Express Selects.
  • Referral bonus. Get S$80 statement credits when you refer a friend. Your friend will get S$80 statement credits upon spend of S$2,000 in the first 3 months of membership. Valid until 30 Sep 2021.
  • Welcome offer. Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional S$200 statement credits if you are new to American Express. T&Cs apply.
  • Acquisition offer. Receive 5,000 KrisFlyer bonus miles when you spend a minimum of S$3,000 in your first three months.
  • S$20 CapitaVouchers. Receive S$20 CapitaVouchers upon first spend when you prefill up to 50% of the application form with MyInfo. T&Cs apply. Valid until 30 Sep 2021.

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 S$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 S$30,000 p.a. or over.
  • For Expatriates, minimum income requirement should be S$60,000 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.

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