American Express Singapore Airlines KrisFlyer Card: Is It Worth Getting?

American Express Singapore Airlines KrisFlyer Card: Is It Worth Getting?

Miles Card for Beginners & Singapore Airline Loyalists

Good for

  • Beginners looking for an easy-to-use miles card
  • People who want to avoid conversions & transfer fees
  • Frequent flyers with SIA

Bad for

  • High overseas-spenders looking to maximise miles
  • People who want luxury perks
  • Individuals who don't consistently fly SIA

Editor's Rating

3.0/5.0

Whether you're new to travel cards and want easy-to-earn miles or you're looking for the best miles promotions on the market, American Express Singapore Airlines KrisFlyer Card is the best option for you. With Amex SIA KF Card, you directly earn KrisFlyer miles for your spend–rather than points that need to be converted–which allows you to avoid transfer fees & lengthy processing times. General purchases earn 1.1 miles per S$1 (2 miles overseas in June & December), with SIA earns 2 miles, and spend with Grab earns 3.1 miles. Amex SIA KF Card also frequently offers market-leading sign-on bonuses, though these change from time to time. If you're a SIA loyalist or just want a hassle-free miles card, Amex SIA KrisFlyer is a great option.

American Express Singapore Airlines KrisFlyer Card Features:

S$176.55, Waived for 1 year
  • S$30,000 for locals
  • S$60,000 for foreigners
  • 1.1 KrisFlyer miles per S$1 local & overseas spend
  • 2 KF miles per S$1 overseas spend, June & December only
  • 2 KF miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 KF miles per S$1 on Grab in Singapore, up to 620mi/mo
  • Miles are automatically credited to cardholder’s KrisFlyer account
  • Free travel insurance & discounted annual multi-trip insurance
  • Hertz Gold Plus Rewards programme
  • American Express Selects dining privileges
Promotions:
  • Spend S$5k w/in 1st 3mo, receive 8k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • 500 bonus KrisFlyer miles w/ 1st Grab booking

What Makes American Express Singapore Airlines KrisFlyer Card Stand Out

American Express Singapore Airlines KrisFlyer Card offers consumers a straightforward, hassle-free way to earn miles without conversions, added fees, or processing time. Cardholders earn 1.1 miles per S$1 spend locally and overseas (except for in June and December, when consumers earn 2 miles per S$1 in overseas spend); 2 miles for spend with SingaporeAir, SilkAir and KrisShop in-flight and online; and 3.1 miles on Grab rides. Miles earned are credited directly to the cardholder’s KrisFlyer account.

Amex SIA KF Card is especially fit for Singapore Airlines loyalists. Cardholders earn miles at a higher rate for associated bookings and purchases, and can earn a S$120 cash credit to SingaporeAir with S$12,000 spend. Consumers even receive 5,000 KF miles with their first card transaction and 500 miles for their first Grab booking, which together contribute approximately S$55 additional value-to-consumer.

Illustration of Total Value-to-Consumer with S$12k Annual Spend
Annual SpendS$12,000
Max Rewards Earned26,640 mi
Rewards Value-to-ConsumerS$266.40
Bonus SIA CreditS$150.00
End Value-to-ConsumerS$416.40
Max rewards assumes S$200 monthly spend with Grab (to reach cap) and S$800 monthly spend with SIA or overseas in June & December. For this table, we assume the value of 1 mile is equal to about S$0.01 (standard redemption value for economy class ticket). Actual redemption value varies by flight length and booking class

However, Amex SIA KF Card is less beneficial for consumers without an airline preference or who are comfortable with miles conversion programs. Competitor cards offer up to 1.6 miles per S$1 local spend and 3 miles overseas, and pricier alternatives offer perks like free lounge access and limo transfers. Amex SIA KF Card’s special bookings rates also only apply to outbound flights, which can be limiting.

Nonetheless, consumers seeking a straightforward miles card can benefit from Amex SIA KF Card’s simple rewards structure and connection with Singapore Airlines. And, while there's a S$176.55 fee, it's waived the first year–allowing cardholders to focus on earning.

How Does Amex Singapore Airlines KrisFlyer Card’s Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem card rewards.

  • Rewards are earned as KrisFlyer Miles
  • Cardholder must link Card to a Singapore Airlines KrisFlyer account
  • KrisFlyer Miles earned are directly credited to Singapore Airlines KrisFlyer account
  • Additional taxes, charges and fees may apply when redeeming mileage
  • Usage of KrisFlyer Miles is subject to the KrisFlyer Terms & Conditions, per Singapore Airlines

Amex Singapore Airlines KrisFlyer Card Rewards Exclusions

Some credit card expenditures are ineligible for earning rewards. We identify these exclusions below.

Charges processed and billed prior to the Enrolment Date or charges prepaid on any card account prior to the first billing statement for that card account following the enrolment date; cash advance and other cash services; Express Cash; American Express Travellers Cheque purchases; Charges for dishonoured cheques; finance charges (including line of credit charges and credit card interest charges); late payment and collection charges; tax refunds from overseas purchases; balance transfers; instalment plans; annual card fees; amount billed for purchase of KrisFlyer miles to top-up your miles balance
Purchase and top-up charges for EZ-Link Cards using American Express Cards; bill payments and all transactions via SingPost SAM kiosks and mobile app; payments for the purpose of GrabPay top-ups
Payments to insurance companies (except payments made for insurance products purchased through American Express authorized channels); payments to Singapore Petroleum Company Limited (SPC) service stations

How does Amex Singapore Airlines KrisFlyer Card Compare Against Other Cards?

Consider this if you want an easy to use miles card and fly mostly on Singapore Airlines’ various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

Read our comparisons of Amex Singapore Airlines KrisFlyer Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

American Express Singapore Airlines KrisFlyer Card is a market leader in value-to-consumer after two years based on a high monthly spend of S$6,000

Amex Singapore Airlines KrisFlyer Card v. Amex Singapore Airlines KrisFlyer Ascend Card

Consider this if you prioritise luxury perks like flight & hotel membership upgrades

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000

American Express Singapore Airlines KrisFlyer Ascend Card bears some similarity to Amex SIA KF Credit Card, but adds extra value by providing unique travel perks and membership upgrades. Cardholders earn at approximately the same rates: 1.2 miles/S$1 general spend (v. 1.1 miles), 2 miles with SIA brands and overseas June & December, and 3.2 miles (v. 3.1 miles) on Grab transactions. As for welcome bonuses, consumers are awarded with up to 21,500 miles with S$10k spend in their 1st 3 months.

As mentioned, Amex SIA KF Ascend Card's key differentiator is its travel perks. Cardholders enjoy 4 free lounge visits and 1 free hotel night per year, plus free travel insurance. Additionally, consumers are eligible for exclusive hotel, flight and car rental upgrades (Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus). The annual fee is more expensive than Amex SIA KF Card's at S$337.05, but is far less than those offered by luxury travel cards with similar perks. Those who are willing to spend just a bit more for travel benefits may prefer Amex SIA KF Ascend Card to Amex SIA KF Card.

Amex Singapore Airlines KrisFlyer Card v. DBS Altitude Visa Card

Consider this if you are looking for a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

DBS Altitude Visa Card offers consumers no-fee miles (S$192.6 fee waived with S$25,000 annual spend), plus 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel bookings. Consumers also enjoy perks like free travel insurance, lounge access, golfing and dining privileges. While cardholders can enrol in a KrisFlyer Miles Auto Conversion Programme, this convenience comes at an additional cost–S$42.8 annually. DBS Altitude Visa Card, nonetheless, is a worthwhile alternative to Amex SIA KF Card.

Amex Singapore Airlines KrisFlyer Card v. Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000

Consumers looking for a no-fee miles card that rewards dining and transport may be interested in Maybank Horizon Visa Signature Card. Cardholders earn 3.2 miles per S$1 spend on local dining, petrol, taxi fares and bookings with Agoda and 2 miles on air tickets, travel packages and foreign currency transactions–plus free travel insurance and airport lounge access. Consumers do not receive welcome miles, however, and miles conversion can be complicated (multiple airlines, conversion rates, and conversion methods). Consumers who value simplicity and promos may prefer Amex SIA KF Card.

Amex Singapore Airlines KrisFlyer Card v. Citi PremierMiles Visa Card

Consider this if you are looking for a standard miles rewards credit card

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Average consumers can benefit from Citi PremierMiles Visa Card’s respectable rewards rates of 1.2 miles per S$1 local spend, 2 miles overseas, and up to 10 miles with select travel booking sites. Like Amex SIA KF Card, consumers enjoy bonuses like 21,000 welcome miles with S$7,500 spend and 10,000 annual renewal miles. However, Citi PMV Card also offers perks like 2 free airport lounge visits. Ultimately, Amex SIA KF Card may be a better fit for those who prioritise convenience and mostly fly with Singapore Airlines.

Amex Singapore Airlines KrisFlyer Card v. OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

Consider this if you have a high annual income and eat out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

OCBC Voyage Card is a better fit for more affluent consumers who are willing to pay the S$488 fee for travel perks and flexibility in miles redemption. Cardholders earn 1.2 miles per S$1 local spend, 1.6 miles on local dining and 2.3 miles overseas. Miles can be redeemed at any airline, at any time, with minimal processing and no black-out dates. In addition, cardholders enjoy perks like free travel insurance, lounge access and limo transfers. However, Singapore Airlines loyalists who value convenience over flexibility may be better off with Amex SIA KF Card.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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