American Express Singapore Airlines KrisFlyer Ascend Review: A Hint Of Luxury For Miles-chasers

SingSaver team

SingSaver team

Last updated 03 October, 2022

The American Express Singapore Airlines KrisFlyer Ascend card will spoil you with complimentary lounge passes, a night’s stay at a Hilton property, and seemingly unending bonus miles.

A more accessible credit card option compared to premium credit cards, the American Express Singapore Airlines KrisFlyer Ascend credit card (AMEX KrisFlyer Ascend) caters to those with an annual income of at least S$50,000. 

You’ll be greeted by a good wad of bonus miles once you start swiping your AMEX KrisFlyer Ascend card by way of making your first transaction, spending on your telco recurring bill or chalking up $3,000 worth of spending in the first three months. You also earn bonus miles when you successfully refer a friend to sign up. 

With these generous rewards and travel perks, it pays to spend more using the AMEX KrisFlyer Ascend credit card.

What the AMEX Singapore Airlines KrisFlyer Ascend credit card can do for you

AMEX KrisFlyer Ascend card product summary:

  • Local spend: 1.2 KrisFlyer miles per $1
  • Overseas spend: 2 KrisFlyer miles per $1 spent overseas on eligible purchases during June and December
  • Income requirement: $50,000 (Singaporeans/PR), $60,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: $337.05
Pros Cons
5,000 bonus KrisFlyer miles on your first credit card charge  Annual fee of $337.05 
2 air miles per $1 spent on eligible purchases made on singaporeair.com, SingaporeAir mobile app, and KrisShop, no cap 2 miles per $1 overseas spend applicable during June and December only
3.2 KrisFlyer miles for every $1 spent on Grab Singapore transactions, up to $200 spend each calendar month Requires minimum annual income of $50,000 for Singaporeans/PRs, $60,000 for foreigners
4 complimentary airport lounge access passes each year to any SATS Premier Lounge in Singapore and Plaza Premium Lounge worldwide  
Complimentary one-night stay at participating Hilton Properties each year  
 

AMEX_KFACC_27KMILES_BLOGARTICLE

SingSaver Exclusive Offer: Receive 27,000 KrisFlyer Miles (worth a return trip to Phuket on SIA Economy) when you make a min. spend of S$1,000 and annual fee payment within the first month of card approval. Valid till 31 January 2022. T&Cs apply.

Plus, apply for this product and score 2x entry in our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. T&Cs apply.

Why should you choose the AMEX KrisFlyer Ascend credit card?

#1: Travel in comfort with free lounge passes

Life’s about the little luxuries. With the AMEX KrisFlyer Ascend card, enjoy complimentary airport lounge access where you relax and refresh in the comfort and luxury of exclusive amenities, such as shower facilities, massage services, and a delectable buffet spread paired with a wide selection of alcoholic and non-alcoholic beverages.

This card offers four complimentary airport lounge access each year to any SATS Premier Lounge in Singapore and Plaza Premium Lounge worldwide. 

 

#2 Treat yourself to a free hotel stay

The AMEX KrisFlyer Ascend card comes with a complimentary night at a Hilton property upon approval and upon renewal of the card for subsequent years.

Cash in on this free stay overseas or right here in Singapore for an unforgettable staycation. This complimentary stay is based on accommodation in a standard guest room for a maximum of two adults, and it includes room rate, service charge and tax. 

You also enjoy a complimentary upgrade to the Hilton Honors Silver membership tier, unlocking 20% bonus on the base points you earn every stay.

 

#3 Bonus miles galore

There are more ways than one for you to accelerate your miles chase with the AMEX KrisFlyer Ascend card:

  • 5,000 KrisFlyer miles the very first time you charge to your card (first-time American Express Singapore Airlines Credit Card applicants only)
  • 500 bonus KrisFlyer miles on your first telco recurring bill spend
  • 16,400 KrisFlyer miles upon annual fee payment and first transaction from card approval (new to AMEX applicants only)
  • 7,500 KrisFlyer miles when you successfully refer a friend
  • 15,000 KrisFlyer miles with min. spending of S$3,000 within first three months of card approval.
  • 12,000 bonus KrisFlyer miles when you upgrade from the American Express Singapore Airlines KrisFlyer Credit Card (blue) to the AMEX KrisFlyer Ascend

Did we also mention that you earn 3.2 miles per dollar on your Grab Singapore transactions? This is capped at $200 spend each month.

Are calculations not your strong suit? Well, you could earn 40,000 KrisFlyer miles upon annual fee payment and making a minimum spend of S$3,000 for the first three months of card approval. That’s enough miles to redeem a trip to the Maldives!

 

#4 Made for Singapore Airlines loyalists 

Save on miles conversion fees! The miles you earn on your AMEX KrisFlyer Ascend are directly credited as KrisFlyer miles in your KrisFlyer account, all hassle-free and ready for your next trip abroad. 

You also earn 2 air miles per $1 spent on eligible purchases made on singaporeair.com, SingaporeAir mobile app, and KrisShop, with no cap on the miles you can earn. 

If you are a frequent SQ traveller, you can spend $15,000 on eligible purchases made on singaporeair.com within the first 12 months to be automatically upgraded to the KrisFlyer Elite Gold Membership tier. This unlocks the KrisFlyer Gold Lounge access at Changi Airport and gives you priority airport check-in.

 

For whom is the AMEX KrisFlyer Ascend card best for?

Singapore Airlines loyalists who earn at least $50,000 and are looking to accelerate their miles chase. This is also a card made for those looking for fringe benefits such as lounge access and hotel stays, on top of the usual miles earn rates. 

What charges or fees should you look out for?

  • Annual fee: $337.05
  • Late payment charge: $90 per month 
  • Minimum monthly payment: 3% of current balance or $50, whichever is higher, plus any overdue amounts
  • Interest on purchases: 26.90% p.a. compounded if payment of the closing balance in your statement is not made in full; or 29.99% p.a. in the event that your account has three or more defaults and/or one default which remains unpaid for two or more consecutive months in the last 12 months
  • Interest on cash advance: 26.90% p.a. compounded daily from date of withdrawal until the withdrawal amount and the relevant fees are paid in full

Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore citizens and PRs: $50,000 
  • Minimum annual income for foreigners: $60,000 

How to apply? 

Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees: Past 12 months CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
  • Self-employed: Latest Income Tax Notice of Assessment and latest original computerised payslip

AMEX_KFACC_27KMILES_BLOGARTICLE

SingSaver Exclusive Offer: Receive 27,000 KrisFlyer Miles (worth a return trip to Phuket on SIA Economy) when you make a min. spend of S$1,000 and annual fee payment within the first month of card approval. Valid till 31 January 2022. T&Cs apply.

Plus, apply for this product and score 2x entry in our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. T&Cs apply.

Read these next: 
Best American Express Credit Cards In Singapore (2022)
Amex KrisFlyer Credit Card Review: Entry-Level Card For All Miles Beginners
Favourite Credit Card Combinations To Max Out Cashback And Miles (As Used By SingSaver Staffers)
Best Air Miles Credit Cards In Singapore (2022)
6 Credit Cards Which Give Free Access to Airport Lounges

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