American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
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
Online Promo
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.
Existing American Express Card Members can receive up to 28,000 KrisFlyer miles. T&Cs apply.
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
- New Cardholders get 27,800 KF Miles upon annual fee payment & meeting spend criteria.
- Existing Cardholders get 17,800 KF Miles upon annual fee payment & meeting spend criteria.
- Get 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants)
- Earn 1,200 KF miles based on S$1,000 spent
- Get additional 4,000 KrisFlyer miles if the min. spending of S$1,000 is made in foreign currency.
All Details
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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.
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!
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).
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 Card | SCB Journey Credit Card | HSBC 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 |
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Read About The Best Air Miles Cards Here!
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
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.