American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Convenience & Perks for Frequent Flyers
Very good sign up bonuses for hitting a substantial minimum spend in the first few months. Hassle-free miles card - miles are directly credited into your KrisFlyer account. Slightly higher earn rate than Amex KrisFlyer (0.1 mpd higher).
- S$1 = 2 Miles
- Foreign Currency Overseas Spending in June & December
- S$0
- Min. Spend per month
- 3.25%
- Foreign Transaction Fee
Online Promo
New American Express cardholder can get S$300 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval.
Existing cardholders can get up to 24,000 KrisFlyer Miles when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval. T&Cs apply.
Existing cardholders can get up to 24,000 KrisFlyer Miles when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval. T&Cs apply.
Are you eligible?
- Card Members will not be eligible to the Welcome Offers stated on AMEX website
- Not applicable with any other Amex offers, promotions, in-house offers, programmes and vouchers
- Bank T&Cs and go.amex/sgexclusions apply
What you need to know
- New cardholders: Receive 10,800 KF Miles and S$300 eCapitaVouchers upon annual fee payment and min spend of S$1,000
- Existing cardholders: Receive 17,800 KF Miles upon annual fee payment and min spend of S$1,000
- Get 5,000 KrisFlyer Miles upon first transaction on card (valid for first-time AMEX Singapore Airlines Card applicants)
- *Redemption of Miles is based on Singapore Airlines Economy Savers Awards as of April 2024.
All Details
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AMEX Singapore Airlines KrisFlyer Ascend Credit Card Review 2024
The AMEX Singapore Airlines KrisFlyer Ascend Credit Card is a popular hassle-free miles card from AMEX, known for its attractive sign-up bonus and competitive earn rates: 2 miles per dollar spent overseas and 1.2 miles per dollar spent locally. If you’re an avid spender on Grab, its miles earn rate of 3.2 miles per dollar spent on Grab transactions will be rather appealing.
This card is great for those who prefer to fly frequently with Singapore Airlines while earning miles with ease, as it has no cap on most eligible spending categories. Let's find out if this card suits your lifestyle and spending habits by looking into its requirements, advantages, and disadvantages before you decide to sign up.
This card is great for those who prefer to fly frequently with Singapore Airlines while earning miles with ease, as it has no cap on most eligible spending categories. Let's find out if this card suits your lifestyle and spending habits by looking into its requirements, advantages, and disadvantages before you decide to sign up.
Pros & Cons
Pros
- Up to 34,000 welcome bonus KrisFlyer miles (for both existing and new AMEX Credit Cardmembers upon annual fee payment and fulfilling the minimum spend requirement)
- .2 miles for every S$1 spent on Grab Singapore transactions
- 2 miles per S$1 spent overseas (only in June and December) and on Singapore Airlines or KrisShop purchases
- 1.2 miles per S$1 spent locally
- No cap on earned miles for eligible categories
- No conversion fee, all KrisFlyer miles earned are conveniently credited directly into your KrisFlyer account
- Complimentary travel insurance (includes up to S$1 million Travel Inconvenience & Travel Accident Benefits)
Cons
- Base interest rate of 27.80%, which is higher than some miles credit cards in the market
- Annual fee of S$343.35 which is higher than many other miles credit cards in the market like the HSBC Revolution Card and Standard Chartered Journey Card
- Min. spend of S$1,000 spend in the first month to qualify for the welcome bonus of up to 34,000 KrisFlyer miles
- No annual fee waiver available
Compare AMEX Singapore Airlines KrisFlyer Ascend Credit Card vs. Standard Chartered Journey Card vs. HSBC Revolution Card
Besides the AMEX Singapore Airlines KrisFlyer Ascend Credit Card, others like the Standard Chartered Journey Card and HSBC Revolution Card are among the many air miles credit card options you would have seen on MoneySmart’s online credit card comparison wizard.
As we make a quick comparison of these 3 credit cards, you’ll realise the differences in the key factors including the interest rates, annual fees, minimum annual income requirements and air miles benefits.
Considering that the SCB Journey Card features the most generous amount of welcome air miles — 45,000 welcome air miles upon annual fee payment and minimum spend requirements, it also requires a higher minimum spend of S$3,000 within first 2 months of your card approval, than the AMEX Singapore Airlines KrisFlyer Ascend card’s minimum spend requirement of $1,000 in the first month.
However, if you’re into Grab’s delivery and food services, the AMEX Singapore Airlines KrisFlyer Ascend Credit Card and HSBC Revolution Card boast higher earning rates for food delivery, providing 3.2 miles per dollar spent on Grab transactions and 4 miles per dollar spent online respectively, which are more attractive than SCB Journey Card’s 3 miles per dollar spent for the food delivery category.
In terms of interest rates, the HSBC Revolution also offers you the lowest option of 26.90% (subject to the bank’s assessment of your credit profile).
As we make a quick comparison of these 3 credit cards, you’ll realise the differences in the key factors including the interest rates, annual fees, minimum annual income requirements and air miles benefits.
Considering that the SCB Journey Card features the most generous amount of welcome air miles — 45,000 welcome air miles upon annual fee payment and minimum spend requirements, it also requires a higher minimum spend of S$3,000 within first 2 months of your card approval, than the AMEX Singapore Airlines KrisFlyer Ascend card’s minimum spend requirement of $1,000 in the first month.
However, if you’re into Grab’s delivery and food services, the AMEX Singapore Airlines KrisFlyer Ascend Credit Card and HSBC Revolution Card boast higher earning rates for food delivery, providing 3.2 miles per dollar spent on Grab transactions and 4 miles per dollar spent online respectively, which are more attractive than SCB Journey Card’s 3 miles per dollar spent for the food delivery category.
In terms of interest rates, the HSBC Revolution also offers you the lowest option of 26.90% (subject to the bank’s assessment of your credit profile).
| AMEX Singapore Airlines KrisFlyer Ascend Card | SCB Journey Credit Card | HSBC Revolution Card |
|---|---|---|
| Interest rate: 27.80% | Interest rate: 27.90% | Interest rate: 26.90% |
| Annual fee: $343.35 (no waiver available) | Annual fee: None | Annual fee: None |
Minimum annual income:
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Air miles benefits:
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Read About The Best Air Miles Cards Here!
AMEX Singapore Airlines KrisFlyer Ascend Credit Card Application
Here are 3 simple steps to apply for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card
Step 1
Apply via MoneySmart’s credit cards page
You may begin your application by clicking on our AMEX Singapore Airlines KrisFlyer Ascend Credit Card application link.
When you choose to apply online via SingPass MyInfo, AMEX will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Step 2
Provide all documentation required
You’ll need to provide all the necessary documentation in order for AMEX to approve your credit card application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Step 3
Receive your AMEX Singapore Airlines KrisFlyer Ascend Credit Card
Once your card gets approved, you will receive it in the next 3 to 5 business days. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your AMEX mobile app!
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Are there any fees if I apply for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card?
- The AMEX Singapore Airlines KrisFlyer Ascend Credit Card charges an initial annual fee of $343.35 (no waiver available), and other fees like supplementary card annual fee, late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the AMEX Singapore Airlines KrisFlyer Ascend Credit Card, as long as you’re aged 21 and above, and earn a minimum annual income that meets the requirements and internal assessment criteria by AMEX.