American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

TRIP.COM COUPON FLASH DEAL | LUCKY DRAW
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 = 1.2 Miles
Local Spend
S$1 = 2 Miles
Overseas Spend
S$1 = 3.2 Miles
on Eligible Grab transaction, capped at $200 per month
MoneySmart Exclusive

[LUCKY DRAW | Trip.com Coupon Flash Deal]
Get S$80 Trip.com Coupon from MoneySmart and earn up to 3 chances to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you apply, pay the annual fee and spend a min. of S$1,000 within 1 month from card approval! T&Cs apply.
 
[American Express Welcome Offer | 1 to 23 July 2024]
Pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval:

  • New American Express cardholder can get S$300 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*)
  • Existing cardholders can get up to 24,000 KrisFlyer MilesT&Cs apply.
Valid until 23 Jul 2024 - See more details below

Are you eligible?

    • Promotion is valid from 12-July-2024 to 23-July-2024

    • MoneySmart Exclusive Lucky Draw and Trip.com Flash Deal is only applicable for New to American Express® Singapore Airlines KrisFlyer Credit Card Members only

    • Customers need to apply through MoneySmart to be eligible

    • Pay the Annual Fee of S$343.35 (inclusive of 9% GST) in the first statement

    • Charge a minimum of S$1,000 in eligible transactions to your credit card within the first one (1) month from Card approval date

What you need to know

  1. The S$80 Trip.com Coupon consists of a: S$50 New User Coupon & S$30 Existing User Coupon. Refer to T&Cs for more details.

  2. 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. T&Cs apply.

  3. 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.

  4. Stand a chance to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you meet the relevant spend criteria! T&Cs apply.

  5. Get up to 3 chances for the Lucky Draw when you apply and spend on your American Express Singapore Airlines KrisFlyer Ascend Credit Card

  6. Log into your MoneySmart account and submit your claim with your Unique Reference Number (xxxxxxxxxxxxxxSGD) by 30th July 2024.

  7. Bank T&Cs and go.amex.sgexclusions apply.

  8. Eligible Customers who qualify for the MoneySmart promotion of (Gift), are not eligible for the Welcome Offers stated on Amex website.

  9. MoneySmart exclusive gifts and rewards do not stack with external or third party promotions unless otherwise stipulated. Kindly refer to T&Cs for details

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Accumulating your expenses to get the sign-up bonuses and spending in categories to earn accelerated miles.

Good for

People who travel frequently and want to enjoy Singapore Airlines and other travel privileges, and don't want the hassle of transferring miles or paying for conversion fees.

Categories to maximise this card

Singapore Airlines, KrisShop, Grab, overseas and everyday spending.

What people use it for

Big purchases, travel expenses and everyday spending.

Get if

You have upcoming expenses that will meet the minimum spending requirement for sign up bonuses. You travel frequently and want to enjoy Singapore Airlines and travel privileges. You prefer to avoid the hassle of converting points to miles.

All Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

AMEX Singapore Airlines KrisFlyer Ascend Credit Card Benefits 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.

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).

AMEX Singapore Airlines KrisFlyer Ascend CardSCB Journey Credit CardHSBC 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:
  • Available upon request from AMEX (minimum income subject to AMEX’s internal assessment and approval)
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners
Air miles benefits:
  • 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)
  • 3.2 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 charges
  • Coverage of up to $1 million in complimentary travel insurance plan
Air miles benefits:
  • Up to 45,000 welcome air miles upon annual fee payment and minimum spend
  • 3 miles for every S$1 spent on online transactions for transportation, grocery and food delivery
  • 2 miles for every S$1 spent overseas
  • 1.2 miles for every S$1 spent locally
  • 2 complimentary airport lounge visits for primary cardholders
  • 45% off MSIG travel insurance coverage
Air miles benefits:
  • No welcome bonus miles
  • 4 miles for every S$1 spent online or via contactless payments
  • Up to 21.15% fuel savings at Caltex and Shell
  • Exclusive access to over 1,000 HSBC 1-for-1 deals on dining, lifestyle and travel worldwide
  • Convenience of converting HSBC rewards points to air miles by signing up for the HSBC Mileage Programme
  • No minimum spend requirement
  • No annual fee
  • 10,000 rewards points cap per calendar month on eligible purchases

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.