S$1 = 2 KrisFlyer miles

on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases

S$1 = Up to 2 KrisFlyer miles

on eligible Grab Singapore transactions

S$1 = 1.2 KrisFlyer miles

on all other eligible purchases

All Details

• Key Features

  • From 1 Feb till 31 Jul 2025, new and existing American Express Singapore Airlines KrisFlyer Ascend Credit Card Members can be fast tracked to KrisFlyer Elite Gold membership with S$16,000 on all eligible purchases, including a minimum spending of S$6,000 on eligible Singapore Airlines and Scoot flight bookings. T&Cs apply.

  • Get a complimentary night stay at participating Hilton properties each year.

  • Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.

  • Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.

  • Up to S$1 million Travel Inconvenience & Travel Accident Benefits

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

  • Please refer to the American Express website (go.amex/moneysmart) for the most up to date information on card benefits and its terms & conditions.

Air Miles

Excellent

• 2 KrisFlyer miles = for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop purchases, with no cap.

• Up to 2 KrisFlyer miles = for every S$1 spent on eligible Grab Singapore transactions up to S$200 spend in each calendar month.

• 1.2 KrisFlyer miles = for every S$1 spent on all other eligible purchases, with no cap.

• No conversion fee, all KrisFlyer miles earned are conveniently credited directly into your KrisFlyer account

Annual Interest Rate and Fees

Annual Principal Fee	S$397.85 (incl. of 9% GST)
Supplementary Annual Fee	S$81.75 (incl. of 9% GST) waived for the first year for the first 2 Supplementary Cards.
Fee Waiver	Not Available
Interest Free Period	22 days
Annual Interest Rate	27.80% p.a. compounded if payment of the closing balance in your statements is not made in full; or 3% p.a. on top of prevailing interest rate in the event that your account has three or more defaults in the last 12 months
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	5%
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Non-Singaporean Minimum Income	Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Card Association

American Express

Wireless Payment

Apple Pay
Samsung Pay
Google Pay

MoneySmart Promotions

Online Promotion
Vouchers & Points
Miles & Travel Rewards

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