Amex Singapore Airlines KrisFlyer Credit Card Review: Entry-Level Card For All Miles Beginners

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.

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. 

What the AMEX KrisFlyer credit card can do for you

AMEX Singapore Airlines KrisFlyer credit card product summary:

• Local spend: 1.1 KrisFlyer miles per $1 spend, without cap
• Overseas spend: 2 KrisFlyer miles per $1 spent overseas on eligible purchases during June and December, without cap
• 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)

Why should you choose the AMEX Singapore Airlines KrisFlyer credit card?

#1: Generous welcome bonus miles

Most credit card providers offer an extra reward to newly-approved card members, but what makes AMEX Singapore Airlines KrisFlyer credit card stand out is its welcome bonus miles.

As a new AMEX Singapore Airlines credit card applicant, you will receive 5,000 KrisFlyer miles the very first time you charge to the card. Plus, you also receive another 5,000 KrisFlyer miles with a minimum spend of S$2,000 in your first three months. This S$2,000 spend even allows you to earn 2,200 KrisFlyer Miles at 1.1 mpd for local spend.

Additionally, if you are a new customer of American Express, you’ll also receive a bonus 14,800 KrisFlyer miles!

Add everything up, and you’re looking at 27,000 KrisFlyer Miles just by making a minimum spend of S$2,000 within the first three months of card approval! That is enough to redeem a trip to Phuket!

#2 For the love of Singapore Airlines

Earn 2 mpd 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 between 1 July 2022 to 30 June 2023.

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

Earn 3.1 KrisFlyer miles for every $1 spent on Grab rides, capped at $200 each calendar month with no minimum spend required. That works out to 7,400 KrisFlyer miles annually if you spend a maximum $200 on Grab rides each month.

You also get 500 bonus KrisFlyer miles on your first telco recurring bill spend at participating merchants such as M1, Singtel, Starhub, Circles.Life and MyRepublic.

#4 For those eyeing the AMEX Singapore Airlines KrisFlyer Ascend credit card

The AMEX Singapore Airlines KrisFlyer Ascend credit card treats you to four free complimentary lounge passes and a one-night stay at a Hilton property. However, it requires an annual income of $50,000 for Singaporeans to apply.

With the AMEX Singapore Airlines KrisFlyer credit card, you can earn yourself a free upgrade to the AMEX Singapore Airlines KrisFlyer Ascend credit card, even if you don’t earn $50,000 a year. All you have to do is to be a member of the former for a minimum of nine months and spend a minimum of $10,000 within 12 consecutive months.

What’s more, you can receive a bonus 12,000 KrisFlyer Miles upon your upgrade to the AMEX Singapore Airlines KrisFlyer Ascend credit card! 

For whom is the AMEX Singapore Airlines KrisFlyer credit card best for?

The AMEX 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 the AMEX KrisFlyer Ascend card. 

What charges or fees should you look out for?

• Annual fee: S$178.20 (First year waived)
• Late payment charge: $100 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
• Income requirement: Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment 

How to apply? 

Click on the ‘Apply Now’ 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
• 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