S$1 = 2 Miles

Foreign Currency Overseas Spending in June & December

^S$0

Min. Spend per month

2.95% (3.25% w.e.f. 1 Oct 2023)

Foreign Transaction Fee

All Details

• Key Features

  • Get a complimentary night stay at participating Hilton properties and 4 complimentary access to participating airport lounges each year

  • 1.2 KrisFlyer miles = S$1 for all eligible card spend, with no cap

  • 2 KrisFlyer miles = S$1 equivalent in foreign currency spent on eligible purchases in June & Dec

  • 2 KrisFlyer miles = S$1 for eligible purchases made on singaporeair.com, SingaporeAir mobile app and KrisShop (in-flight and online) with no cap

  • 3.2 KrisFlyer miles = S$1 for Grab Singapore transactions, capped at S$200 per calendar month

  • Receive 5,000 KrisFlyer miles upon first spend on card, applicable for first-time American Express Singapore Airlines Credit Card applicants only

  • Spend S$15,000 or more on eligible purchases on singaporeair.com within the qualifying period to be rewarded with a Double KrisFlyer Miles Accrual Voucher

  • Spend S$15,000 or more on eligible purchases on singaporeair.com within first 12 months of Card approval and get an accelerated upgrade to KrisFlyer Elite Gold Membership

  • Up to $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.

0% Instalment

• 0% interest instalment at participating Pay Small merchants

Air Miles

Excellent

• 1.2 KrisFlyer miles = S$1 for all eligible card spend, with no cap

• 2 KrisFlyer miles = S$1 equivalent in foreign currency spent on eligible purchases in June & Dec with no cap

• 2 KrisFlyer miles = S$1 for eligible purchases made on singaporeair.com, SingaporeAir mobile app and KrisShop (in-flight and online) with no cap

• 3.2 KrisFlyer miles = S$1 for eligible Grab Singapore transactions, capped at S$200 per calendar month

• Receive 5,000 KrisFlyer miles upon first spend on card, applicable for first-time American Express Singapore Airlines Credit Card applicants only

• Spend S$15,000 or more on eligible purchases on singaporeair.com within the qualifying period to be rewarded with a Double KrisFlyer Miles Accrual Voucher

• Spend S$15,000 or more on eligible purchases on singaporeair.com within first 12 months of Card approval and get an accelerated upgrade to KrisFlyer Elite Gold Membership

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

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

Overseas Spending

Excellent

• 2 KrisFlyer miles = S$1 equivalent in foreign currency spent on eligible purchases in June & Dec with no cap

• Competitive 2.95% (3.25% w.e.f. 1 Oct 2023) foreign currency transaction fee

Annual Interest Rate and Fees

Annual Principal Fee	S$340.20 (incl. of 8% GST)
Supplementary Annual Fee	S$81 (incl. of 8% GST) waived for the first year
Fee Waiver	Not Available
Interest Free Period	22 days
Annual Interest Rate	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
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.95% (3.25% w.e.f. 1 Oct 2023)
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

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