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American Express Singapore Airlines KrisFlyer Ascend Credit Card Review

Pros:

  • 5,000 bonus air miles on your first credit card payment
  • Earn 2 air miles per $1 spent on eligible purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), no cap.
  • Get 4 complimentary access each year to any SATS Premier Lounge in Singapore and Plaza Premium Lounge worldwide.

Cons:

  • Annual fee of $337.05 (Non-waivable)
  • 2 miles per $1 overseas spend applicable during June and December only.
Summary
Local Spend: 1.2 air miles per $1 spend
Overseas Spend: 2.0 air miles per $1 spend
Income Requirement: $50,000 (Singaporeans/PR), $60,000 (Foreigners)
Minimum Age: 21
Annual Fee (Waiver): $337.05 (No Waiver)
Sign-up promotion: Receive up to 65,500 KrisFlyer Miles and $50 CapitaVouchers when you apply via MyInfo

Table of Content

Why should you choose American Express Singapore Airlines KrisFlyer Ascend credit card

Do you want extra air miles without spending?
Seldom can we find a credit card that gives free air miles without spending required until American Express Singapore Airlines KrisFlyer Ascend credit card came along with a generous promo offer. Share your credit limit with your family members and receive 1,500 air miles per approved supplementary card or receive 7,500 air miles when you successfully refer a friend. Although approved supplementary cards are limited to the first 2, successful referrals have a high cap which you can maximise by referring as many people as possible. You can receive up to 200,000 air miles per year when you refer your friends for an American Express Singapore Airlines KrisFlyer Ascend credit card or up to 150,000 air miles per year for an American Express Singapore Airlines KrisFlyer Ascend credit card.
Is access to airport lounges important for you?
Although stress is an inherent part of traveling there are ways to minimise it, if not, eliminate it. One of which is having a credit card with a complimentary airport lounge access where you can 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. High travel spending individuals deserve nothing but the best and they will be elated to know that American Express Singapore Airlines KrisFlyer Ascend credit card offers 4 complimentary airport lounge access each year to any SATS Premier Lounge in Singapore and Plaza Premium Lounge worldwide. Lastly, spend $15,000 on eligible purchases made on singaporeair.com within the first 12 months upon card approval to receive KrisFlyer Gold Lounge access at Changi Airport and access to Star Alliance Gold Lounges worldwide.
How comprehensive is your travel insurance coverage?
Although most credit cards offer complimentary travel insurance to protect their cardholders, and in some cases including their family members, against the common travel risks and inconveniences, the similarities end when it comes to coverage and benefits. By charging your travel tickets to your American Express Singapore Airlines KrisFlyer Ascend credit card, you will receive a complimentary travel accident insurance of $1 million for death or total disablement or the permanent loss of speech, or of hearing, or of any two limbs or of sight in both eyes; or $500,000 for the permanent loss of any limb or of sight in one eye. Travel inconvenience benefits includes up to $400 (Flight Delay); up to $400 (Baggage Delay); and up to $1,000 (Extended Baggage Delay). It is worth mentioning that this complimentary travel insurance covers the cardholder including his spouse and dependant child(ren) traveling with him. Since American Express Singapore Airlines KrisFlyer Ascend credit card is tailored for the frequent traveler with high travel expenditure, this complimentary travel accident insurance with travel inconvenience benefits is what you need.
Are you a frequent ride-sharing service user?
Once you start traveling by land chances are you will hail a taxi, ride-sharing service, or rent-a-car service so you can move around whenever and wherever you want to go. By using your American Express Singapore Airlines KrisFlyer Ascend credit card, you earn 500 bonus air miles on your first Grab booking and 3.2 air miles per $1 spend on your succeeding Grab bookings (monthly cap of $200). But do not worry once you reached the monthly cap because you can switch to Hertz and enjoy its Gold Plus Rewards loyalty program and a range of exclusive benefits such as fee-waived additional driver, 10% savings on published rates and one car class upgrade for rentals of at least five consecutive days. Whether you are traveling via taxi, ride-sharing service, or rent-a-car service, you can always depend on American Express Singapore Airlines KrisFlyer Ascend credit card for extra air miles.

Using the American Express Singapore Airlines KrisFlyer Ascend credit card in your favour

American Express Singapore Airlines KrisFlyer Ascend credit card is intended for those with an annual income of at least $50,000, frequent travelers with high travel expenses, and with an airline preference that can offer exclusive travel perks. Although its air miles conversion rate is low while its annual fee is high and with no waiver, you will be greeted by several welcome bonus air miles once you start using your American Express Singapore Airlines KrisFlyer Ascend credit card whether you are traveling at home or overseas. You will earn bonus air miles on your first Grab booking, first 2 supplementary cards, first time you charge your spending, when you successfully refer a friend, when you spend $10,000 in the first 3 months, and when you spend $10,000 in the next 3 months, with now an exclusive bonus of 6,500 additional miles. After the welcome treat American Express Singapore Airlines KrisFlyer Ascend credit card rewards you with air miles for local and overseas spending and on Singapore Airlines products. As a Singapore Airlines loyalist, you can spend $15,000 on eligible purchases on singaporeair.com to be rewarded with a Double KrisFlyer Miles Accrual Voucher with a cap of 5,000 bonus air miles (until 30 June 2019) or earn 2 air miles per $1 spent on eligible purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online) with no cap. With these generous rewards and travel perks, it pays to spend more using American Express Singapore Airlines KrisFlyer Ascend credit card.

Who can apply

Age Eligibility At least 21 years of age
Income Eligibility Singaporeans/PRs: $50,000 of annual income
Foreigners: $60,000 of annual income

Charges or fees you should be aware of

Annual Fees $337.05 (Non-waivable)
Late Payment Charge $90
Interest on Purchases 25.9% per annum calculated daily from the date each transaction is posted to your card account until full payment is received.
Interest on Cash Advance 25.9% per annum will be charged upon the withdrawal date until the withdrawal amount and the relevant fees are paid in full.

How to apply

Click on the “Apply Now” button and complete the application form on SingSaver site.

Here is what you will need during the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • For salaried employees,
    • Past 12 months CPF statement (if Singaporean/PR); OR
    • Latest Income Tax Notice of Assessment and latest original computerised payslip
  • For self-employed,
    • Latest Income Tax Notice of Assessment and latest original computerised payslip

Similar cards to consider:


Looking to compare it with another air miles card?

High miles per dollar earn rate: UOB PRVI Miles
No air miles expiry date card: Citi PremierMiles Visa
Entry-level card for bonus miles: American Express KrisFlyer Blue

Looking for other credit cards? Check out the Best Credit Cards in Singapore 2019.