American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

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Accelerated Upgrade to KrisFlyer Elite Gold Member
Very good sign up bonuses for hitting a substantial minimum spend in the first few months. Hassle-free miles card - miles are directly credited into your KrisFlyer account. Slightly higher earn rate than Amex KrisFlyer (0.1 mpd higher).
S$1 = 2 KrisFlyer miles
on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
S$1 = Up to 2 KrisFlyer miles
on eligible Grab Singapore transactions
S$1 = 1.2 KrisFlyer miles
on all other eligible purchases
MoneySmart Exclusive
Limited Time Offer! Get an additional S$50 eCapitaVoucher on top of the baseline offer below! *Limited to new American Express card members only


New to American Express Card Members can receive up to 38,000 KrisFlyer miles – enough to redeem a return trip to Taipei* on Singapore Airlines, while existing American Express Card Members can receive up to 28,000 KrisFlyer miles. T&Cs apply.
Valid until 02 Dec 2024 - See more details below

Are you eligible?

    • Pay the Annual Fee of S$397.85 (inclusive of 9% GST) in the first statement
    • Charge a min. of S$1,000 in eligible transactions to your credit card within 30 days from Card approval date
    • Bank T&Cs and go.amex.sgexclusions apply

What you need to know

  1. New Cardholders get 27,800 KF Miles upon annual fee payment & meeting spend criteria.
  2. Existing Cardholders get 17,800 KF Miles upon annual fee payment & meeting spend criteria.
  3. Get 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants)
  4. Get additional 4,000 KrisFlyer miles if the min. spending of S$1,000 is made in foreign currency.
T&Cs

Quick Facts

Get the maximum value by

Accumulating your expenses to get the sign-up bonuses and spending in categories to earn accelerated miles.

Good for

People who travel frequently and want to enjoy Singapore Airlines and other travel privileges, and don't want the hassle of transferring miles or paying for conversion fees.

Categories to maximise this card

Singapore Airlines, Scoot, KrisShop, Grab, and everyday spending.

What people use it for

Big purchases, travel expenses and everyday spending.

Get if

You have upcoming expenses that will meet the minimum spending requirement for sign up bonuses. You travel frequently and want to enjoy Singapore Airlines and travel privileges. You prefer to avoid the hassle of converting points to miles.

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AMEX Singapore Airlines KrisFlyer Ascend Credit Card Benefits 2024

The AMEX Singapore Airlines KrisFlyer Ascend Credit Card is a popular hassle-free miles card from AMEX, known for its attractive sign-up bonus and competitive earn rates: 2 miles per dollar spent overseas and 1.2 miles per dollar spent locally. If you’re an avid spender on Grab, its miles earn rate of 3.2 miles per dollar spent on Grab transactions will be rather appealing.

This card is great for those who prefer to fly frequently with Singapore Airlines while earning miles with ease, as it has no cap on most eligible spending categories. Let's find out if this card suits your lifestyle and spending habits by looking into its requirements, advantages, and disadvantages before you decide to sign up.

Pros & Cons Of AMEX Singapore Airlines KrisFlyer Ascend Credit Card

Pros

  • 3.2 miles for every S$1 spent on Grab Singapore transactions
  • 2 miles per S$1 spent overseas (only in June and December) and on Singapore Airlines or KrisShop purchases
  • 1.2 miles per S$1 spent locally
  • No cap on earned miles for eligible categories
  • No conversion fee, all KrisFlyer miles earned are conveniently credited directly into your KrisFlyer account
  • Complimentary travel insurance (includes up to S$1 million Travel Inconvenience & Travel Accident Benefits)

Cons

  • Base interest rate of 27.80%, which is higher than some miles credit cards in the market
  • Annual fee of S$343.35 which is higher than many other miles credit cards in the market like the HSBC Revolution Card and Standard Chartered Journey Card
  • No annual fee waiver available

Find Out More About The AMEX Singapore Airlines KrisFlyer Ascend Credit Card In Our Blog Review!

Read Card Review

Compare AMEX Singapore Airlines KrisFlyer Ascend Credit Card vs. Standard Chartered Journey Card vs. HSBC Revolution Card

Besides the AMEX Singapore Airlines KrisFlyer Ascend Credit Card, others like the Standard Chartered Journey Card and HSBC Revolution Card are among the many air miles credit card options you would have seen on MoneySmart’s online credit card comparison wizard.

As we make a quick comparison of these 3 credit cards, you’ll realise the differences in the key factors including the interest rates, annual fees, minimum annual income requirements and air miles benefits.

Considering that the SCB Journey Card features the most generous amount of welcome air miles — 45,000 welcome air miles upon annual fee payment and minimum spend requirements, it also requires a higher minimum spend of S$3,000 within first 2 months of your card approval, than the AMEX Singapore Airlines KrisFlyer Ascend card’s minimum spend requirement of $1,000 in the first month.

However, if you’re into Grab’s delivery and food services, the AMEX Singapore Airlines KrisFlyer Ascend Credit Card and HSBC Revolution Card boast higher earning rates for food delivery, providing 3.2 miles per dollar spent on Grab transactions and 4 miles per dollar spent online respectively, which are more attractive than SCB Journey Card’s 3 miles per dollar spent for the food delivery category.

In terms of interest rates, the HSBC Revolution also offers you the lowest option of 26.90% (subject to the bank’s assessment of your credit profile).

AMEX Singapore Airlines KrisFlyer Ascend CardSCB Journey Credit CardHSBC Revolution Card
Interest rate:
27.80%		Interest rate:
27.90%		Interest rate:
26.90%
Annual fee:
$343.35 (no waiver available)		Annual fee:
None		Annual fee:
None
Minimum annual income:
  • Available upon request from AMEX (minimum income subject to AMEX’s internal assessment and approval)
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners
Air miles benefits:
  • Up to 34,000 welcome bonus KrisFlyer miles (for both existing and new AMEX Credit Cardmembers upon annual fee payment and fulfilling the minimum spend requirement)
  • 3.2 miles for every S$1 spent on Grab Singapore transactions
  • 2 miles per S$1 spent overseas (only in June and December) and on Singapore Airlines or KrisShop purchases
  • 1.2 miles per S$1 spent locally
  • No cap on earned miles for eligible categories
  • No conversion fee charges
  • Coverage of up to $1 million in complimentary travel insurance plan
Air miles benefits:
  • Up to 45,000 welcome air miles upon annual fee payment and minimum spend
  • 3 miles for every S$1 spent on online transactions for transportation, grocery and food delivery
  • 2 miles for every S$1 spent overseas
  • 1.2 miles for every S$1 spent locally
  • 2 complimentary airport lounge visits for primary cardholders
  • 45% off MSIG travel insurance coverage
Air miles benefits:
  • No welcome bonus miles
  • 4 miles for every S$1 spent online or via contactless payments
  • Up to 21.15% fuel savings at Caltex and Shell
  • Exclusive access to over 1,000 HSBC 1-for-1 deals on dining, lifestyle and travel worldwide
  • Convenience of converting HSBC rewards points to air miles by signing up for the HSBC Mileage Programme
  • No minimum spend requirement
  • No annual fee
  • 10,000 rewards points cap per calendar month on eligible purchases

Read About The Best Air Miles Cards Here!

Check Air Miles Cards

Credit Card With Complimentary Travel Insurance Coverage

Many credit cards offer complimentary travel insurance, providing a safety net for your journeys. While benefits can vary widely between card issuers like Citi, AMEX, UOB, DCS, DBS Altitude, and CIMB, common coverages include:

  • Purchase protection: Coverage for items purchased with your card and in the form of e-commerce coverage.
  • Medical emergencies: Coverage for medical expenses incurred while travelling.
  • Trip disruptions: Assistance with costs if your trip is cancelled or interrupted.
  • Travel delays: Compensation for unexpected delays during your journey.
  • Lost or Delayed luggage: Reimbursement for essential items if your baggage goes missing.
  • Rental car coverage: Protection against damages or theft to your rental vehicle.
  • Accidental coverage: Protection against unforeseen accidents during your trip.

Discover More About Credit Cards With Complimentary Travel Insurance

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AMEX Singapore Airlines KrisFlyer Ascend Credit Card Application

Here are 3 simple steps to apply for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card

Step 1

Apply via MoneySmart’s credit cards page

You may begin your application by clicking on our AMEX Singapore Airlines KrisFlyer Ascend Credit Card application link.

When you choose to apply online via SingPass MyInfo, AMEX will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

Provide all documentation required

You’ll need to provide all the necessary documentation in order for AMEX to approve your credit card application. This list of documents include:

  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)

Step 3

Receive your AMEX Singapore Airlines KrisFlyer Ascend Credit Card

Once your card gets approved, you will receive it in the next 3 to 5 business days. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your AMEX mobile app!

Frequently Asked Questions About AMEX Singapore Airlines KrisFlyer Ascend Credit Card

Are there any fees if I apply for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card?

The AMEX Singapore Airlines KrisFlyer Ascend Credit Card charges an initial annual fee of $343.35 (no waiver available), and other fees like supplementary card annual fee, late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.

Am I eligible for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card?

If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card, as long as you’re aged 21 and above, and earn a minimum annual income that meets the requirements and internal assessment criteria by AMEX.