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AMEX Singapore Airlines KrisFlyer Credit Card Review (2023): Entry-Level Card For All Miles Beginners

SingSaver team

SingSaver team

Last updated 17 August, 2023

A great starter card for newbies starting on their miles chase, the AMEX Singapore Airlines KrisFlyer Credit Card boasts welcome miles, high miles earn rate on Grab rides and compelling reasons for you to spend on Singapore Airlines.

The American Express Singapore Airlines KrisFlyer Credit Card, sometimes more affectionately known as the AMEX KrisFlyer Blue Card, is a good entry-level air miles card if you’re looking for a fuss-free way to earn KrisFlyer miles with every spend. 

A co-branded card by Singapore Airlines, it’s automatically linked to the Singapore Airlines’ Frequent Flyer program. This means no miles conversion fees incurred and no inconvenient conversion processes or conversion blocks. 

Table of contents


Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


What the AMEX Singapore Airlines KrisFlyer Credit Card can do for you

Amex_KrisFlyer Credit Card_Given on 150823

Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 17,000 KrisFlyer Miles when you make a min. spend of S$1,000 within the first 30 days of card approval. For new to American Express Card Members only. Valid till 28 February 2024. T&Cs apply.
 

AMEX Singapore Airlines KrisFlyer Credit Card product summary:

  • Local spend: 1.1 KrisFlyer miles per $1 spend on eligible purchases, no cap
  • Overseas spend: 2 KrisFlyer miles per $1 spend overseas on eligible purchases during June and December, no cap
  • Bonus spend:
    • 2 KrisFlyer miles per S$1 spend on eligible Singapore Airlines-related transactions, no cap
    • 3.1 KrisFlyer miles per S$1 spend on eligible Grab Singapore transactions, capped at S$200 per calendar month
  • No conversion or transfer fee for KrisFlyer miles
  • Annual income requirement: Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment
  • Minimum age: 21
  • Annual fee: S$178.20 (First year waived)

Note: "xx mpd" refers to "xx miles per S$1 spend".

Pros Cons
2 mpd on overseas spend, no cap 2 mpd overseas spend applicable during June and December only
1.1 mpd on local spend, no cap No fringe benefits such as complimentary airport lounge access
2 mpd on singaporeair.com, SingaporeAir mobile app and KrisShop (in-flight and online) purchases, no cap  
3.1 mpd on Grab Singapore rides, capped at $200 each calendar month   
0.5 mpd on Singapore Airlines Instalment Plans via Pay Small  
Up to S$350,000 Travel Inconvenience & Travel Accident Benefits coverage  
First-year annual fee waived for both principal and supplementary cardmembers  
5,000 bonus miles on first credit card transaction  
Automatic transfer of miles to your KrisFlyer account with no fees   

Why should you choose the AMEX Singapore Airlines KrisFlyer Credit Card?

Amex_KrisFlyer Credit Card_Given on 150823

Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 17,000 KrisFlyer Miles when you make a min. spend of S$1,000 within the first 30 days of card approval. For new to American Express Card Members only. Valid till 28 February 2024. T&Cs apply.
 

#1: Earn a steady miles rate both locally and overseas

For those valuing consistency and reliability in a card, the AMEX Singapore Airlines KrisFlyer Credit Card checks all the boxes so far. With this card, you can earn a decent 1.1 miles per S$1 on eligible local spend and 2 miles per S$1 on eligible foreign currency spend overseas.

And if you're familiar with how miles credit cards work, you'll also know that these miles earn rates put the AMEX Singapore Airlines KrisFlyer Credit Card in the same tier as the likes of UOB PRVI Miles, DBS Altitude, OCBC 90°N, HSBC TravelOne, and more.


#2: For the love of Singapore Airlines

Earn 2 miles per S$1 spend on eligible purchases made on singaporeair.com, SingaporeAir mobile app and KrisShop (in-flight and online). What makes this offering a cut above the rest is the unlimited feature that does not limit the miles you can earn. There is also no conversion fee involved, as KrisFlyer miles are credited directly into your KrisFlyer membership account.

If you’re a big spender, you receive $150 cashback on your next purchase on singaporeair.com when you spend at least $12,000 on eligible purchases with your card.


#3: Speed up your miles chase with your Grab rides and telco bill

Earn 3.1 miles for every $1 spend on Grab Singapore rides, capped at $200 each calendar month with no minimum spend required. That works out to 7,440 KrisFlyer miles, annually, if you spend a maximum $200 on Grab rides each month.

Apart from that, you'll also be rewarded with 500 bonus KrisFlyer miles on your first telco recurring bill spend at participating merchants such as M1, Singtel, StarHub, Circles.Life and MyRepublic.

💡Pro-tip: Have any nagging big-ticket expenses to pay off? You can earn 0.5 miles per S$1 spend on Singapore Airlines Instalment Plans via Pay Small, with no cap imposed.

See also: 18 Best Credit Cards For Big-Ticket Items


#4: Up to S$350,000 complimentary travel insurance

When it comes to going on holiday, nothing brings greater peace of mind than knowing you're well protected for all your trip's potential troubles. With that, the AMEX Singapore Airlines KrisFlyer Credit Card provides up to S$350,000 complimentary Travel Inconvenience and Travel Accident insurance coverage when you charge your air tickets to the card.

Travel inconvenience coverage includes missed flight connections, baggage delay, extended baggage delay, and flight delays. Meanwhile, travel accident coverage includes death, total disablement or permanent loss of limbs, eyes, speech or hearing. 

You can check out the full policy wording document here.

Although the extent of coverage is decent, it's still missing other key components like medical expenses, emergency overseas medical repatriation, COVID-19 coverage, and more. Thus, if the coverage is insufficient for you, consider buying additional travel insurance just to err on the side of caution. 

💡Pro-tip: For frequent travellers, you're in luck! You can buy an Asia Pacific annual multi-trip My Travel Insurance Essential Plan at only S$188 with the AMEX Singapore Airlines KrisFlyer Credit Card!

Read more:
Best Travel Insurance Plans and Promotions in Singapore
Is Travel Insurance With COVID-19 Coverage Still Important?

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

Starr TraveLead Travel Insurance


 

from S$11.05 (for 1 week in ASEAN)
Yes

Get up to $50 Grab Vouchers (min. Premium $30) and get 35% off when you use promo code SSVTL35. Valid till 10 Dec 2023. T&Cs apply.  Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.

 

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

MSIG Travel Easy

 

from S$34.10 (for 1 week in ASEAN)
Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 17 December 2023. T&Cs apply. Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.

 

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Allianz Travel Insurance
AZ logo

 

from S$34.10 (for 1 week in Asean)
Yes

Use promo code SSV50 to get 50% discount, up to $35 Grab Vouchers, and 1x Airalo eSim with up to 3GB data (minimum premium of $60) when you apply NOW! Valid till 8 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

FWD Travel Insurance

 

from S$22.50 (for 1 week in Asean)
Yes

Use the promo code SSTRIP to get a 30% discount on Single Trip and 25% discount on Annual Trip plans! Valid till 8 Dec 2023.  T&Cs apply. Also receive:

1x Airalo eSIM with up to 3GB data before your fly (minimum premium $60). Valid till 31 December 2023.

1x Apple AirTag (worth $45) for the first 3,800 applicants. Valid till 5 January 2024.

Additionally, be included in the following draws below:

Best Price TI weekly draw: Enjoy 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480.
101! Milestone Giveaway: Enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02


from S$39 (for 1 week in Asean)
Yes

Single Trip: Use the promo code TIQSINGSAVER to get 48% off. Valid till 18 Dec 2023. T&Cs apply.

 

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 31 Dec 2023. T&Cs apply.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

 

Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 


 

 from S$46.20 (for 1 week in ASEAN)
 Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 31 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

 


Single Trip:
Enjoy a 25% discount when you use the promo code TRAVEL25. Additionally, get a free 6 months heatstroke insurance. Valid till 10 Dec 2023. T&Cs apply.

 

Annual Trip: Get a 25% discount when you use the promo code ANNUAL25. Valid till 31 Dec 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

 

 

 from S$45 (for one week in Asean)
Yes

Enjoy a 45% discount for Single Trip and 15% discount for Annual Trip when you apply now! Valid till 31 Dec 2023. T&Cs apply.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

 

from S$30 (for 1 week in Asean)
Yes

Single Trip:  Enjoy 20% off with promo code SS20OFF. Valid till 12 Dec 2023. Additionally get $20 PayNow! (minimum premium of $80). Plus, every 12th customer gets an additional $45 Paynow. Valid till 31 Dec.

 

Annual Trip: Apply promo code SSTGD to receive $200 PayNow! Plus, every 12th customer gets an additional $45 Paynow. Valid till 31 Dec 2023.  

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

 

 from S$52 (for one week in Asean)
Yes

Single Trip: Get an 30% discount when you use the promo code TSP30S. Valid till 31 Dec 2023. T&Cs apply.

 

Annual Trip: Get an 10% discount when you use the promo code TSP10A. Valid till 31 Dec 2023. T&Cs apply.

Discount is only valid for Elite and Classic plans.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply.

Seedly Travel Insurance

seedly TI logo

 

from S$49.80 (for 1 week in Asean)
No

Receive 25% off and 1x Airalo eSIM worth up to 3GB data when you apply NOW! Valid till 31 December 2023.  T&Cs apply.

Win the equivalent of a return flight for 2 to Bali (via S$600 Klook voucher). T&Cs apply.

Enjoy 1x chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply.



#5: Unlock a world of luxury with Hertz privileges

When you have an AMEX Singapore Airlines KrisFlyer Credit Card, you're automatically entitled to a Hertz Gold Plus Rewards loyalty programme membership that entails exclusive benefits at over 8,500 locations worldwide.

Some examples of benefits include:

  • 10% savings on published rates, including Hertz collection
  • One car class upgrade (valid for standard vehicles and five-or-more rental days only)
  • Fee-waived additional driver

What charges or fees should you look out for?

  • Annual fee: S$178.20 (First year waived)
  • Late payment charge: S$100 per month
  • Minimum monthly payment: 3% of current balance or S$50, whichever is higher, plus any overdue amounts
  • Interest on purchases: 26.90% p.a. compounded (27.80% p.a. compounded w.e.f. 3 Oct 2023) if payment of the closing balance in your statements is not made in full; or 29.99% p.a. (3% p.a. on top of prevailing interest w.e.f. 3 Oct 2023) in the event that your account has three or more defaults 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
  • Cash advance fee: 5% of withdrawal amount
  • Foreign currency transaction fee: 2.95% (3.25% w.e.f. 1 Oct 2023)
  • Dynamic currency conversion fee: N/A

Eligibility criteria

  • At least 21 years of age
  • Minimum income requirement: Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment 

How to apply? 

Amex_KrisFlyer Credit Card_Given on 150823

Click on the ‘Apply Now’/'Compare AMEX credit cards" button on this page and complete the application form on the SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass/Proof of Residence
  • Salaried Employees & Expatriates: Latest Income Tax of Notice of Assessment and Latest computerised payslip; or Latest 3 months' computerised payslip
  • Self-employed: Last 2 years' Income Tax Notice of Assessment

Should you get the AMEX Singapore Airlines KrisFlyer Credit Card?Amex_KrisFlyer Credit Card_Given on 150823

Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 17,000 KrisFlyer Miles when you make a min. spend of S$1,000 within the first 30 days of card approval. For new to American Express Card Members only. Valid till 28 February 2024. T&Cs apply.
 

The AMEX Singapore Airlines KrisFlyer Credit Card is best for those looking to kickstart their miles journey or those who don’t foresee themselves flying on anything else except our national carrier, Singapore Airlines.

A good starter card that ticks all the boxes of a beginner miles card, the AMEX Singapore Airlines KrisFlyer credit card comes with solid bonus miles and is primed for those looking to upgrade to its AMEX KrisFlyer Ascend counterpart in the future. 

(Psst, you can read our full AMEX Singapore Airlines KrisFlyer Ascend Credit Card review here.)


Disclaimer: 
Please note that while we strive to keep our information as accurate and up-to-date as possible, it occasionally may be different from what you see when you visit our Partner's pages.


Read these next: 
American Express Singapore Airlines KrisFlyer Ascend Review: A Hint Of Luxury For Miles-Chasers
Best American Express Credit Cards In Singapore
American Express True Cashback Card Review: 1.5% Cashback On Just About Everything
Best Air Miles Credit Cards In Singapore
6 Credit Cards Which Give Free Access to Airport Lounges

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