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Best KrisFlyer Credit Cards

We'll help you find the best KrisFlyer credit card for your lifestyle, income level and spending habits.

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Best KrisFlyer credit cards

Best for travel: American Express Singapore Airlines KrisFlyer Credit Card

  • Annual Fee:

    S$0 annual fee for the first 1 year
    and S$176.55 thereafter

  •    
  • Effective Interest Rate:

    26.9%

The Amex Singapore Airlines KrisFlyer card is a mile-earning credit card that offers bonus earnings for foreign spend and high earning rates when you spend on Grab rides. It also provides an annual fee-waiver for the first year and charges no redemption fee.
Pros
  • Earn 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 rides up to S$200 per month
  • Earn 5,000 KrisFlyer bonus miles the very first time you charge to your card
  • 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
Cons
  • The annual fee for this card is S$176.55, however the fee is waived for 1 year
  • If you have supplementary holders, each will be required to pay a supplementary annual fee of S$53.50
  • Any missed payments will incur increased purchase and cash advance transaction interest rates
  • When you spend overseas, you’ll face a foreign transaction fee of 2.95%

Best for hotels: American Express Singapore Airlines KrisFlyer Ascend Credit Card

  • Annual Fee:

    S$337.05 annual fee

  •    
  • Effective Interest Rate:

    26.9%

Amex Singapore Airlines KrisFlyer Ascend credit card will get you travel privileges including hotel discounts, Hilton Honors Silver membership and complimentary airport lounge passes at participating lounges worldwide.
Pros
  • Your card includes complimentary Hilton Honors Silver tier membership which includes late checkout and complimentary Internet access. You’ll also receive one free night every year at over 110 Hilton properties in the Asia Pacific.
  • Cardmembers will also gain access to 4 complimentary airport lounge passes every year, allowing free entry to participating SATS Premier lounges in Singapore and Plaza Premium lounges worldwide.
Cons
  • The annual fee for this card is S$337.05.
  • If you have supplementary holders, each will be required to pay a supplementary annual fee of S$80.25.
  • Any missed payments will incur increased purchase and cash advance transaction interest rates.
  • When you spend overseas, you’ll face a foreign transaction fee of 2.95%.

Best for dining and entertainment: HSBC Revolution Credit Card

  • Annual Fee:

    S$0 annual fee

  •    
  • Effective Interest Rate:

    25.9%

Earn up to five times the rewards points (or 2 miles) when you charge online, dining and entertainment purchases to the HSBC Revolution Credit Card. You’ll also enjoy an annual fee waiver for the first 2 years and continue to receive a waiver when you charge S$12,500 on eligible purchases to the card within a year.
Pros
  • New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020
  • You’ll get 20.2% discount at Caltex stations (ends 31 Dec 2020); 17% off and up to 5% cash rebates at Shell stations (ends 30 June 2020)
  • Grab rides
Cons
  • Missed payments. Any missed payments will incur increased purchase and cash advance transaction interest rates
  • Foreign transaction fees. When you spend overseas, you’ll face a foreign transaction fee of 2.8%

Best for travel and petrol: Citi PremierMiles Card

  • Annual Fee:

    S$0 annual fee for the first 1 year
    and S$192.60 thereafter

  •    
  • Effective Interest Rate:

    26.9%

The Citi PremierMiles Card offers bonus mile awards and flexible flight and hotel redemption options. You’ll earn Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia. In addition, there’s no minimum spend required to earn Citi Miles and the accumulated miles never expire. Cardholders will also benefit from Priority Pass membership and two complimentary annual visits to airport lounges worldwide.
Pros
  • Receive up to 14% petrol savings at Shell and Esso stations..
  • Airport lounge passes. Cardholders will receive Priority Pass membership and two complimentary visits every year to airport lounges worldwide.
  • Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 September 2020.
  • Receive S$50 bonus cash for every friend who successfully signs up for a Citi credit card through your referral link.
Cons
  • The annual fee for this card is S$192.60, however the fee is waived for 1 year.
  • Any missed payments will incur increased purchase and cash advance transaction interest rates.
  • When you spend overseas, you’ll face a foreign transaction fee of up to 3.25%.

Compare our top KrisFlyer credit card picks side-by-side

Name Product Air Miles Earning Rate Reward Annual Fee Min Income - Singaporean and PR
American Express Singapore Airlines KrisFlyer Credit Card
S$1 = 1.1 KrisFlyer miles (Local spend)


S$1 = 3.1 KrisFlyer miles (Grab transactions up to $200 spend per month)
Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Earn up to 29,800 KrisFlyer miles with minimum spend of S$8,000 in your first 6 months.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
S$1 = 1.2 KrisFlyer miles (Local spend)


S$1 = 3.2 KrisFlyer miles (Grab transactions up to $200 spend per month)
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
S$337.05 annual fee
S$50,000
Get up to 56,200 KrisFlyer miles with S$16,000 minimum spend within six months. Also enjoy a complimentary stay at a Hilton hotel in Asia Pacific each year.
HSBC Revolution Credit Card
Convert Rewards points to Asia Miles or KrisFlyer Miles. Annual Mileage Programme Enrolment fee and minimum transfer limits apply.
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
S$0 annual fee
S$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp luggage worth S$670 or S$150 cashback. Minimum spend of S$800 within the qualifying spend period is required. T&Cs apply. Ends 31 Aug 2020.
Citi PremierMiles Card

    S$1 = 1.2 Citi Miles (Local spend)


    S$1 = 2 Citi Miles (Overseas spend)
Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. 30 September 2020.
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How to choose the best KrisFlyer credit card

Before deciding which is the best credit card for you, there are several key factors you need to consider.

Frequent flyer programs

You should first consider whether you prefer to directly earn KrisFlyer miles or want flexible points redemption. While the Singapore Airlines KrisFlyer frequent flyer program has a wide range of rewards available, other credit cards such as Citi Bank also offer extensive rewards programs that may be more suitable if flexibility is important to you. When you’re comparing credit cards, always check when your miles will expire and whether there is a cap on the miles you can earn.

Rewards

Consider the additional perks on offer such as welcome gifts and bonus sign-up miles, which can significantly help boost your points balance quickly. If luxury travel benefits are important to you, you should weigh up whether your chosen card offers complimentary lounge access, hotel stays, overseas travel insurance coverage, limousine, concierge and other services. For those who frequently make bookings through online merchants such as Agoda, Expedia or Grab, look out for specific card promotions available with external partners, which could help you earn points at an accelerated rate.

Credit card fees

  • Annual fees. Typically, cards that charge higher annual fees will offer higher earn rates and additional perks. You’ll need to decide whether this trade-off is worth it for your lifestyle and whether you can afford paying higher annual fees for these benefits.
  • Fee waivers. Some credit cards offer annual fee waivers when you spend above a minimum amount each year or offer annual fee waivers for the first one to three years after signing up.
  • Redemption fees. Rewards credit cards usually charge a redemption fee when you transfer points into miles. The redemption fee amount will differ between credit cards. Cards that directly earn miles won’t require you to pay redemption fees.
  • Supplementary card fees. While most credit cards charge fees for gaining supplementary cards, generally cards that charge higher annual fees may offer free supplementary cardholders at no additional fee.
  • Interest rates. It’s worth comparing the interest-free period offered by different credit cards, particularly if you may be unable to fully repay your closing balance each month.
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How to earn miles

You can earn KrisFlyer miles either directly when you make purchases with a card that earns KrisFlyer miles, by transferring reward points to the Singapore Airlines KrisFlyer program or by flying with Singapore Airlines. You can also accumulate KrisFlyer miles by flying with any Singapore Airlines KrisFlyer travel partner, including Star Alliance partner airlines, JetBlue and Scoot flights.

The KrisFlyer program also has over 200 non-airline partners across car rental, hotels, hotel bookings, banks, transport, food delivery and retail. Ensure you provide your KrisFlyer membership number whenever you make bookings with partner services so your miles can be applied. If you want to stay at a KrisFlyer hotel partner, you’ll have to sign up to the hotel loyalty program first before you can earn KrisFlyer miles on these bookings. For those who are already members of a hotel loyalty program, you can also convert these loyalty points into KrisFlyer miles.

4 rules for maximising your miles

To maximise the KrisFlyer miles you earn, make sure to follow the following four rules:

  1. Make sure you know which purchases are eligible for earning miles.
  2. Be aware of any minimum spend requirements you need to meet in order to qualify for earning KrisFlyer miles.
  3. Check when your miles will expire and make sure you spend or transfer your miles before the expiry date.
  4. Ensure you read all terms and conditions so you know when any specific offers or promotions expire.

How to sign up for KrisFlyer miles

To take advantage of KrisFlyer miles, you’ll first need to sign up to membership via the KrisFlyer loyalty program. It’s free to join and you can apply in a matter of minutes on Singapore Airline’s website. Once your application is approved you can start earning miles straight away.

Bottom line

Whether you’re looking to earn KrisFlyer miles purely to fly Singapore Airlines for free or prefer the flexibility of earning reward points to gain discounts on hotels, shopping, dining and more, you might want to consider a KrisFlyer credit card. If you’re ready to find the best KrisFlyer credit card for you, start comparing your options above.

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Frequently asked questions

How long does it take for KrisFlyer miles to appear in your KrisFlyer account?

The time it will take depends on where you earned the miles. As a rough guide, Singapore Airlines estimates miles will appear in your KrisFlyer account in:

  • Two weeks for miles earned via Singapore Airlines or SilkAir flights
  • Four weeks for miles earned via KrisFlyer partner airlines
  • Six to eight weeks for miles earned via KrisFlyer non-air partners

When do my KrisFlyer miles expire?

Your KrisFlyer miles will expire after 36 months, with the oldest miles expiring first. You may be eligible to receive a 6- to 12-month extension depending on your KrisFlyer status and upon paying a fee. For Priority Passenger Service Club (PPS Club) members, as long as the membership is active, KrisFlyer miles will never expire. If your KrisFlyer miles are about to expire, you can also choose to transfer them to Velocity Points at no extra cost.

Does the KrisFlyer program allow redemption nominees?

Yes. As a KrisFlyer member, you can nominate up to five individuals who can redeem miles for rewards. You can give these nominees the authority to collect tickets for flight rewards on your behalf.

How do KrisFlyer miles differ from other types of miles schemes?

Air miles programmes vary and there’s no universally accepted air miles account – often banks will use their own points-based system, in which customers need to transfer points across to miles. Typically the transfer must be done in increments. With KrisFlyer, you won’t need to worry about how to convert your points, as the established frequent flyer programme is integrated with Singapore Airlines.

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Compare more credit cards

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
New cardholders can receive up to 10,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days card approval. Ends 31 August 2020. Existing UOB cardmembers get 3,000 KrisFlyer miles after the first transaction of S$5 minimum. T&Cs apply.
American Express Singapore Airlines KrisFlyer Credit Card
Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Earn up to 29,800 KrisFlyer miles with minimum spend of S$8,000 in your first 6 months.
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
Choose between a S$150 cashback or Samsonite suitcase if minimum spend requirements are met. T&Cs apply. Ends 31 Aug 2020.
S$0 annual fee
S$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp luggage worth S$670 or S$150 cashback. Minimum spend of S$800 within the qualifying spend period is required. T&Cs apply. Ends 31 Aug 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$80,000
Get S$150 Lazada Vouchers and up to 43,250 Membership Rewards points with minimum spend in your first 3 months and when you successfully refer a friend. T&Cs apply.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
N/A
S$337.05 annual fee
S$50,000
Get up to 56,200 KrisFlyer miles with S$16,000 minimum spend within six months. Also enjoy a complimentary stay at a Hilton hotel in Asia Pacific each year.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas.
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. 30 September 2020.
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