American Express Singapore Airlines KrisFlyer Credit Card Review
Updated: 7 May 2024
Written bySingSaver team
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.
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What the AMEX Singapore Airlines KrisFlyer Credit Card can do for you
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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$179.85 (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 |
Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 11,000 KrisFlyer miles with a min. spending of S$1,000 within first 2 months of Card approval. Available to new-to-American Express cardmembers only. Valid till 29 October 2025. T&Cs apply.
Why should you choose the AMEX Singapore Airlines KrisFlyer Credit Card?
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#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.
Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 11,000 KrisFlyer miles with a min. spending of S$1,000 within first 2 months of Card approval. Available to new-to-American Express cardmembers only. Valid till 29 October 2025. T&Cs apply.
#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!
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| Travel Insurance | Premium for Individual Cover | Covid-19 Coverage | Promotion |
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Starr TraveLead Travel Insurance
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from S$11.05 (for 1 week in ASEAN)
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Yes
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Get up to $50 Grab Vouchers (min. Premium $30) and get 40% off when you use promo code SS40. Plus, till 5 January, 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 5 January 2024. T&Cs apply.
|
|
MSIG Travel Easy
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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 31 January 2024. T&Cs apply. Plus, till 5 January, 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.
|
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Allianz Travel Insurance
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from S$34.10 (for 1 week in Asean)
|
Yes
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Use promo code TRAVEL40 to get 40% 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 14 January 2024. 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 5 January 2024. T&Cs apply. |
|
FWD Travel Insurance
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from S$22.50 (for 1 week in Asean)
|
Yes
|
Use the promo code WELCOME24 to get a 25% discount on Single and Annual Trip plans! Valid till 7 Jan 2024. T&Cs apply. Also receive: 1x Apple AirTag (worth $45) for the first 3,800 applicants. Valid till 5 January 2024. T&Cs apply. Additionally, 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. |
|
Etiqa (TIQ) Travel Insurance |
from S$39 (for 1 week in Asean)
|
Yes
|
Single Trip: Use the promo code TIQSINGSAVER to get 42% off. Valid till 14 Jan 2024. 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 5 January 2024. T&Cs apply. |
|
Singlife Travel Insurance
|
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 28 February 2024. 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 5 January 2024. T&Cs apply.
Annual Trip: Get a 25% discount when you use the promo code ANNUAL25. Valid till 31 Jan 2024. T&Cs apply. |
|
Allied World Travel Insurance
|
from S$45 (for one week in Asean)
|
Yes
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Enjoy 48% discount for Single Trip Plans and 15% discount for Annual Trip plans when you apply now! Valid till 31 Jan 2024. 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 5 January 2024. T&Cs apply |
|
AIG Travel Guard® Direct
|
from S$30 (for 1 week in Asean)
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Yes
|
Single Trip: Get $20 PayNow! (minimum premium of $80) when you apply now. Valid till 15 Jan 2024. T&Cs apply.
Annual Trip: Receive $200 PayNow when you apply now! Valid till 15 Jan 2024. 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 5 January 2024. T&Cs apply. |
|
Great Eastern Travel Insurance
|
from S$52 (for one week in Asean)
|
Yes
|
Single Trip: Enjoy 20% off when you use promo code TSP20%. Valid till 31 Jan 2024. T&Cs apply.
Annual Trip: Enjoy 10% off when you use promo code TSP10A. Valid till 31 Jan 2024. 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 5 January 2024. T&Cs apply. |
|
Seedly Travel Insurance
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from S$49.80 (for 1 week in Asean)
|
No
|
Receive 50% off and 1x Airalo eSIM worth up to 3GB data when you apply NOW! Valid till 31 January 2024. T&Cs apply. Stand a chance to win an Apple IPad 9th Gen. 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$179.85 (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?
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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?
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.
Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 11,000 KrisFlyer miles with a min. spending of S$1,000 within first 2 months of Card approval. Available to new-to-American Express cardmembers only. Valid till 29 October 2025. T&Cs apply.
(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.
About the author
SingSaver team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.
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