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American Express Singapore Airlines KrisFlyer Credit Card Review

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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.

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

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameAmerican Express Singapore Airlines KrisFlyer Credit Card
RewardEarn 1.1 KrisFlyer Miles per S$1 spent on 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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Expert review

Sally McMullen

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 when you spend a minimum of S$12,000 until 30 June 2021.

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.
  • 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.
  • 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 December 2020.
  • 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. Earn 3,000 KrisFlyer miles when you refer a friend. Your friend will get 3,000 KrisFlyer miles upon spend of S$2,000 in the first 3 months of membership. Ends 30 November 2020.
  • Up to 13,300 KrisFlyer miles bonus. Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months. This includes the 5,000 welcome bonus miles, 5,000 spend bonus miles and and the 3,300 KrisFlyer miles based on 1.1 KrisFlyer miles per S$1 on local spend. You will also receive an additional Acer Monitor KA242Y (valued at S$349) if you are new to American Express.
  • Spend bonus. Get 5,000 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months. Ends 30 Nov 2020.

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 True Cashback 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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