KrisFlyer UOB Card Review, Rates & Fees | Finder Singapore
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KrisFlyer UOB Credit Card Review

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Take advantage of exclusive airline privileges and be rewarded as you travel with the KrisFlyer UOB credit card.

The KrisFlyer UOB Credit Card rewards you for purchasing your flights with Singapore Airlines, Scoot or SilkAir. Earn points and redeem them for seat upgrades or flights. What’s more, this card gives you exclusive privileges like priority check-in and boarding, additional baggage and seat selection with Scoot, plus save on Wi-Fi and airport transfers.

S$0 annual fee for 1 year - S$192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameKrisFlyer UOB Credit Card
RewardEarn 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.
Effective Interest Rate26.9%
Interest Free PeriodUp to 21 days
Minimum Monthly Repayment3% of current balance or S$50, whichever is higher, plus any overdue amounts
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More Info

Expert review


Review by

Monique Law is a writer for Finder. Since 2016 she has written across numerous topics including consumer goods, personal finance, travel, personal development, lifestyle and health. After many years of living abroad and travelling on a budget, she's become an expert on researching and finding the best deals. Monique is studying a BA in Political Science and Communications and has a passion for travel, political/spy dramas and watching world events unfold live on CNN.

Expert review

The KrisFlyer UOB is an air miles card that gives you a competitive earn rate of three points per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop. Your points are credited to your KrisFlyer account as miles each month. These can be redeemed for flights or a range of other travel perks, including seat upgrades and priority check-in to make travel that bit more comfortable. You’ll also get up to three KrisFlyer points for each dollar you spend on a range of day-to-day purchases (as long as you spend at least S$500 each year).

Benefits of using KrisFlyer UOB Card

  • Sign-up offer. Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) plus 3,000 KrisFlyer miles when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
  • Renewal bonus. Renew your membership and you’ll receive 10,000 KrisFlyer miles once the annual fee for the principal cardholder is paid.
  • Exclusive airline privileges. Get fast tracked to KrisFlyer Elite Silver status, a S$20 KrisShop rebate and no conversion fees for KrisFlyer miles.
  • Exclusive Scoot benefits. Enjoy additional baggage allowance, standard seat selection, priority check-in and boarding plus a one-time booking flexibility waiver.
  • Save on Wi-Fi. Unique e-Cash redemption codes to use for bookings at ChangiWifi.
  • Save on airport transfers. Take a Grab car to or from the airport and receive S$15 off twice a year per cardmember.

Features of the KrisFlyer UOB Card

  • Annual fee. A yearly fee of S$192.60 applies for the principal card but it’s possible for this fee to be waived for the first year. Subsequent cards incur a fee of S$96.30 however the first card is free.
  • Earn KrisFlyer miles. Earn 3 miles for every S$1 you spend at Singapore Airlines, SilkAir, Scoot or KrisShop, and either 1.2 for other purchases. You can redeem your miles for flights or seat upgrades on SilkAir or Singapore Airlines as well as vouchers from Scoot.
  • No need for multiple cards. Use your KrisFlyer UOB Credit Card to pay for bus and train rides with SimplyGo.
  • eStatements. View your monthly statements online through your internet banking.
  • Contactless payments. Just tap your Mastercard for quick and easy everyday purchases.
  • Earn additional miles. Open a KrisFlyer UOB deposit account and earn up to an additional 6 KrisFlyer miles for every S$1 you spend.

How to apply for the KrisFlyer UOB Card?

If you’ve decided that the KrisFlyer UOB card is right for you, you can start your application by clicking the green ‘Go to site’ button at the top of this page. Existing UOB account holders can apply online through their internet banking, with instant approval for applications submitted between 7am and 8pm. Read more about how Krisflyer’s rewards scheme works.

Eligibility criteria

  • Minimum age of 21 years old
  • Annual income of at least S$30,000 for Singapore citizens and permanent residents or S$80,000 for foreigners
  • At least S$10,000 fixed deposit collateral

Required documents

For Singaporeans or PR

If you do not have a UOB bank account but are a SingPass holder, you can submit an application using personal information retrieved from MyInfo. Otherwise, you will need to submit the following:

  • Photocopy of your NRIC (front and back)
  • 3 months’ computerised payslip; or
  • Latest 12 months’ CPF statement; or
  • Latest income tax notice of assessment

For self-employed

  • Photocopy of your NRIC (front and back)
  • 2 years’ income tax notice of assessment

For foreigners

  • Photocopy of your passport (with at least 6 months validity)
  • Employment pass (with at least 6 months validity)
  • 3 months’ computerised payslip; or
  • Latest 12 months’ CPF statement; or
  • Latest income tax notice of assessment
  • A bill to show proof of address such as telephone or utilities bill

Bottom line

The KrisFlyer UOB Credit Card is worth considering if you travel a lot. Not only can you earn points for every dollar you spend with Singapore Airlines, Scoot and SilkAir, but you also get KrisFlyer points for all other purchases. Exclusive airline privileges and the ability to redeem your points for flights or seat upgrades means that travel becomes that bit more comfortable, but do compare the different options available to ensure that this is the right choice for you.

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