Amex Singapore Airlines KrisFlyer vs KrisFlyer Ascend Credit Card Comparison 2020

Both Amex Singapore Airlines KrisFlyer Card and Amex SIA KrisFlyer Ascend cater specifically to SIA frequent flyers. However, these cards are valuable far beyond their boosted rates for loyalty spend. Even more, each is tailored to a very different kind of traveller. We've provided a detailed analysis of exactly how these cards compare to help you decide which is the better match for you.

  • Local, overseas & category boosted rewards rates
  • Miles expiration details
  • Auto-conversion programmes, transfer fees & processing times
Comparison of Travel Perks
  • Lounge access & travel insurance
  • Limo transfers, golfing privileges & more
  • Card privileges programmes
Comparison of Card Fees & Requirements
  • Annual fees, spend-based waivers & bonus miles
  • Foreign transaction fees
  • Minimum age & minimum income requirements

Comparison of Competitive Travel Cards in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed some of the most competitive travel cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how competitive travel credit cards compare to one another in terms of their rewards
Comparison of Competitive Travel Cards in Singapore by Estimated 2-Year Dollar Value

Comparison of Competitive Travel Cards in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed some of the most competitive travel cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how competitive travel credit cards compare to one another in terms of their rewards
Comparison of Competitive Travel Cards in Singapore by Estimated 2-Year Dollar Value

Amex Singapore Airlines KrisFlyer vs. Amex SIA KF Ascend

American Express Singapore Airlines KrisFlyer Card and its sister card, Amex SIA KrisFlyer Ascend, are great options for people who frequently fly with SIA. However, these cards have quite different strengths. Amex SIA KrisFlyer Card stands out as both affordable and straightforward (and therefore great for miles card beginners), while Amex SIA KF Ascend Card stands apart by offering elevated travel perks and exclusive memberships. Both are fairly competitive, but it's important to understand the details before making a final decision. We've analysed the terms & conditions for both options and provided a comparative analysis below.

Summary Table: Amex SIA KrisFlyer vs. Amex SIA KF Ascend

CategoryFeatureAmex SIA KrisFlyerAmex SIA KF Ascend
  • Rewards Rate
Local Rate1.1 miles/S$11.2 miles/S$1
Overseas Rate2.0 miles/S$12.0 miles/S$1
Category Boost
  • 2.0 miles/S$1 (SIA spend)
  • 3.1 miles/S$1 (Grab)
  • 2.0 miles/S$1 (SIA spend)
  • 3.2 miles/S$1 (Grab)
  • Travel Perks
Lounge AccessN/A4 visits/year
Travel InsuranceCoverage up to S$350kCoverage up to S$1M
Hotel PerksN/A1 Free night/yr
Memberships
  • Hertz Gold Plus Privileges
  • Hertz Gold Plus Privileges,
  • KF Elite Gold Status,
  • Hilton Honors Silver
  • Annual Fee
Annual FeeS$176.55, 1yr waiverS$337.05
Spend WaiverN/AN/A
Bonus MilesPromotions varyPromotions vary
Amex SIA KF & Amex SIA KF Ascend Card's overseas rates are limited to June and December only; off-season overseas spend earns 1.1 miles and 1.2 miles per S$1, respectively. Amex SIA KF Ascend cardholders must spend S$15k+ with SIA to unlock expedited KF Elite Gold status

Rewards Rates: Amex SIA KrisFlyer vs. Amex SIA KF Ascend

In terms of rewards rates, Amex SIA KF and Amex SIA KF Ascend Card are remarkably similar. In fact, Ascend cardholders earn just 0.1 miles/S$1 more on general spend and on Grab rides; otherwise, all rates are constant. In both cases, overseas miles are elevated only in June & December, which is fairly limiting–though these are peak travel periods in Singapore. All other months, cardholders earn at just 1.1 miles or 1.2 miles per S$1, respectively.

Both cards offer equal rewards rates for spend with SIA brands, which includes purchases made on SIA's online site or mobile app as well as at KrisShop, online and in-flight. Miles earned in this category are uncapped, heavily incentivising consumers to exclusively fly with SIA. Cardholders can also earn an elevated rate on Grab rides, though miles are capped at very low amounts (620 miles and 640 miles/month), each which have a redemption value of about S$6.

Comparison Table: Miles Rewards & Redemption

FeatureAmex SIA KrisFlyerAmex SIA KF Ascend
Rewards Currency
  • KrisFlyer Miles
  • KrisFlyer Miles
Local Rate1.1 miles/S$11.2 miles/S$1
Overseas Rate2.0 miles/S$12.0 miles/S$1
Category Boost
  • 2 mi/S$1 w/ SIA, 3.1 mi/S$1 on Grab (up to 620 mi/mo)
  • 2 mi/S$1 w/ SIA, 3.2 mi/S$1 on Grab (up to 640 mi/mo)
Rewards Expiry3 yrs3 yrs
Conversion FeeN/AN/A
Please note: Amex SIA KF and Amex SIA KF Ascend Card's overseas rate applies only in June & December (off-season earns 1.1 mi and 1.2 mi/S$1, respectively). KrisFlyer miles expire according to the terms & conditions of their frequent flyer loyalty programme

Fortunately, Amex SIA KF and Amex SIA KF Ascend Card are amongst the easiest-to-use miles cards currently on the market. Cardholders directly earn KrisFlyer miles, rather than rewards points, so there's no need to worry about conversion programmes, transfer fees or extended processing times. It's important to mention, however, that KF miles do in fact expire. Once they've been credited to the cardholder's frequent flyer account, they're subject to the programme's separate terms & conditions. Under these terms, KF miles are valid for just 3 years.

Travel Perks: Amex SIA KrisFlyer vs. Amex SIA KF Ascend

Amex SIA KF and Amex SIA KF Ascend are perhaps most different in terms of their travel perks. Amex SIA KF Card offers the bare minimum of perks–free travel insurance, Hertz rental car privileges and access to dining & lifestyle discounts through American Express Selects. Cardholders who value comfort and convenience during their travellers may be disappointed to find that they won't receive free–or even discounted–lounge access or any other luxury perks.

Amex SIA KF Ascend Card, however, offers an extensive array of privileges. In addition to the benefits listed above, cardholders also receive 4 free lounge visits/year (at participating SATS Premier & Plaza Premium Lounges) and 1 complimentary hotel night annually (at over 160 Hilton properties in Asia Pacific). Consumers also receive a free upgrade to Hilton Honors Silver membership status, which offers an additional 5th night free on rewards stays. Those who spend at least S$15k with SIA in their 1st year receive an automatic upgrade to KrisFlyer Elite Gold status, which offers priority check-in, priority & baggage handling, baggage allowance upgrades, extended lounge access and more. Finally, at this spend level, consumers may also receive a Double KF Miles Accrual Voucher for up to 5,000 bonus miles.

Comparison Table: Travel Perks & Privileges

FeatureAmex SIA KrisFlyerAmex SIA KF Ascend
Lounge AccessN/A4 visits/yr via Priority Pass
Travel InsuranceAccidental Death & Disablement (Up to S$350k), Travel InconvenienceAccidental Death & Disablement (Up to S$500k), Travel Inconvenience
Hotel BonusN/A1 Free night/yr
Memberships
  • Hertz Gold Plus Privileges
  • Hertz Gold Plus Privileges
  • KrisFlyer Elite Gold Status,
  • Hilton Honors Silver
Card PrivilegesAmerican Express SelectsAmerican Express Selects
Amex SIA KF Ascend Card offers expedited KF Elite Gold Status with S$15k+ SIA spend in 1st 12 months. Additional restrictions and requirements may apply

It's fairly clear that Amex SIA KF Ascend offers far more in terms of luxury perks than its sister card, Amex SIA KF. It's worth pointing out, however, that Ascend remains competitive even when compared to the most expensive luxury cards. While Amex SIA KF Ascend does not offer unlimited lounge access, its exclusive membership offerings are quite unique; few competitors offer similar options. Ultimately, affluent SIA loyalists who highly value such memberships might prefer Amex SIA KF Ascend Card over most alternatives on the market.

Fees & Requirements: Amex SIA KrisFlyer vs. Amex SIA KF Ascend

Amex SIA KF Ascend offers far more privileges than Amex SIA KF Card, but consumers–perhaps unsurprisingly–must pay a premium to access them. While Amex SIA KF Card's annual fee is just S$176.55 (waived 1 year), Ascend Card costs nearly double at S$337.05, with no waiver. Those who can afford Amex SIA KF Ascend can quickly recoup its cost in terms of benefits, however. The value of 4 free lounge visits plus 1 free luxury hotel night alone surpasses this total.

Comparison Table: Requirements & Fees

FeatureAmex SIA KrisFlyerAmex SIA KF Ascend
Annual FeeS$176.55, 1yr waiverS$337.05
Spend-Based WaiverN/AN/A
Bonus MilesPromotions varyPromotions vary
FX Fee2.95%2.95%
Minimum Age21 years old21 years old
Income Req
  • SG & PR: S$30,000
  • Foreigners: S$60,000
  • SG & PR: S$50,000
  • Foreigners: S$60,000
Additional details apply. See card websites for a further breakdown of information

Amex SIA KF Card is more affordable upfront, especially for those who prioritise accessible bonus miles over luxury perks. While both cards tend to offer attractive sign-on bonuses, Amex SIA Card's promotions typically have more lenient requirements, while Amex SIA KF Ascend's often require higher spending in a shorter amount of time in order to unlock similar rewards. Beyond differences in fees and bonus structure, Amex SIA KF Card is also more accessible given its minimum income requirement is S$20k lower than Ascend Card's. Ultimately, Amex SIA KF Card is a competitive option for the average SIA loyalist, while Amex SIA KF Ascend is a better match for affluent flyers willing to pay a premium for perks.

Comparison to Similar Travel Credit Cards

Amex SIA KrisFlyer and Amex SIA KF Ascend Card are great for SIA loyalists, each appealing to different needs and budget levels. However, several competitor cards also offer great rates for travellers, often with broader flexibility. We've reviewed several of these options below, comparing their strengths and weaknesses.

KrisFlyer UOB Credit Card: Affordable KF Miles for Budget Travellers

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • New and existing cardholders will get S$20 cash upon approval
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
KrisFlyer UOB Card is perhaps the best option on the market for young travellers on a budget who don't mind flying exclusively with SIA brands. Cardholders earn 1.2 miles per S$1 locally and overseas, plus 3 miles per S$1 on spend with SIA brands (Singapore Airlines, Scoot, SilkAir & KrisShop). Consumers who spend S$500 with SIA per year unlock a series of elevated rates–3 miles per S$1 on global dining, transport, online fashion & travel bookings. Essentially, airline loyalty fuels rapid miles accrual. As many of these categories match younger consumers' spending patterns, KrisFlyer UOB Card is a great match for millennial travellers.


These rates are notably higher than those offered by Amex SIA KF or Amex SIA KF Ascend, and people who meet the minimum spend requirement can rapidly earn in a wider variety of categories. Also, unlike with the Amex KrisFlyer cards, KrisFlyer UOB Card's transport rewards are uncapped.

Nonetheless, KrisFlyer UOB Card does not offer the upfront welcome miles or luxury perks provided by its Amex alternatives. Rather, it caters to people travelling on a budget. Cardholders receive privileges with Scoot (SIA's low cost carrier), including free priority check-in & boarding, baggage allowance upgrades, complimentary standard seat selection and booking flexibility waivers. Other perks include S$20 off KrisShop with a S$100 nett transaction, S$15 off Grab rides to and from the airport, and S$15 towards ChangiWiFi. Cardholders also receive 10,000 bonus renewal miles, which have a redemption value of S$100+. This offsets the already reasonable S$192.6 annual fee.

Overall, frequent SIA flyers can definitely benefit from KrisFlyer UOB Card–potentially earning at higher rates than with Amex SIA KF and Amex SIA KF Ascend. However, those looking for upfront miles or who prioritise luxury perks may want to consider either of the Amex competitors.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • New and existing cardholders will get S$20 cash upon approval
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
KrisFlyer UOB Card is perhaps the best option on the market for young travellers on a budget who don't mind flying exclusively with SIA brands. Cardholders earn 1.2 miles per S$1 locally and overseas, plus 3 miles per S$1 on spend with SIA brands (Singapore Airlines, Scoot, SilkAir & KrisShop). Consumers who spend S$500 with SIA per year unlock a series of elevated rates–3 miles per S$1 on global dining, transport, online fashion & travel bookings. Essentially, airline loyalty fuels rapid miles accrual. As many of these categories match younger consumers' spending patterns, KrisFlyer UOB Card is a great match for millennial travellers.


These rates are notably higher than those offered by Amex SIA KF or Amex SIA KF Ascend, and people who meet the minimum spend requirement can rapidly earn in a wider variety of categories. Also, unlike with the Amex KrisFlyer cards, KrisFlyer UOB Card's transport rewards are uncapped.

Nonetheless, KrisFlyer UOB Card does not offer the upfront welcome miles or luxury perks provided by its Amex alternatives. Rather, it caters to people travelling on a budget. Cardholders receive privileges with Scoot (SIA's low cost carrier), including free priority check-in & boarding, baggage allowance upgrades, complimentary standard seat selection and booking flexibility waivers. Other perks include S$20 off KrisShop with a S$100 nett transaction, S$15 off Grab rides to and from the airport, and S$15 towards ChangiWiFi. Cardholders also receive 10,000 bonus renewal miles, which have a redemption value of S$100+. This offsets the already reasonable S$192.6 annual fee.

Overall, frequent SIA flyers can definitely benefit from KrisFlyer UOB Card–potentially earning at higher rates than with Amex SIA KF and Amex SIA KF Ascend. However, those looking for upfront miles or who prioritise luxury perks may want to consider either of the Amex competitors.

DBS Altitude Visa: No-Fee Luxury Perks

  • Free lounge access & golf privileges, waivable fee
  • Promotions: S$200 cashback w/ promo code "DBSFlash" (must make 1 transaction)
  • Or receive 38,000 miles by entering code "ALTAF" or "DBSALT" in your application
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you're an average consumer interested in luxury perks, but can't afford an expensive travel card, you should definitely consider DBS Altitude Visa Card. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas (all seasons) and 3 miles on online travel bookings (including flights via SIA's website). In addition to these competitive rates, cardholders enjoy 2 free lounge visits/year, complimentary travel insurance, discounted limo transfers & green fees, and hotel room upgrades via Visa Digital Concierge. These perks are not as comprehensive as those offered by Amex SIA KF Ascend, but they're far more generous than those provided by Amex SIA KF Card.


DBS Altitude Card is also quite affordable. Cardholders who spend S$25k per year (about S$2,083/month) are exempt from the already moderate S$192.6 annual fee. Those who fall below this minimum receive 10,000 annual bonus miles, which have a redemption value of S$100+. Overall, consumers looking for an affordable yet highly competitive travel card can definitely benefit from DBS Altitude.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: S$200 cashback w/ promo code "DBSFlash" (must make 1 transaction)
  • Or receive 38,000 miles by entering code "ALTAF" or "DBSALT" in your application
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you're an average consumer interested in luxury perks, but can't afford an expensive travel card, you should definitely consider DBS Altitude Visa Card. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas (all seasons) and 3 miles on online travel bookings (including flights via SIA's website). In addition to these competitive rates, cardholders enjoy 2 free lounge visits/year, complimentary travel insurance, discounted limo transfers & green fees, and hotel room upgrades via Visa Digital Concierge. These perks are not as comprehensive as those offered by Amex SIA KF Ascend, but they're far more generous than those provided by Amex SIA KF Card.


DBS Altitude Card is also quite affordable. Cardholders who spend S$25k per year (about S$2,083/month) are exempt from the already moderate S$192.6 annual fee. Those who fall below this minimum receive 10,000 annual bonus miles, which have a redemption value of S$100+. Overall, consumers looking for an affordable yet highly competitive travel card can definitely benefit from DBS Altitude.

UOB PRVI Miles American Express Card: Rapid Miles for High Spenders

  • Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
UOB PRVI Miles American Express Card is the best option on the market for affluent travellers looking to rapidly accrue miles for their overseas spend. Cardholders earn a competitive 1.4 miles per S$1 locally, 2.4 miles overseas and 6 miles with major hotels and airlines. These rates are up to 3x higher than those offered by the Amex KrisFlyer cards. Cardholders can also avoid paying the S$256.8 annual fee with S$50k annual spend (about S$4,167/month). At this spend level, cardholders also receive 20,000 annual bonus miles.


Consumers with large budgets can easily earn no-fee miles at top rates with UOB PRVI Miles Card. However, they receive very little in terms of perks. Specifically, cardholders receive free travel insurance and up to 8 free limo transfers per year. Affluent travellers who care more about perks than about rapid miles accrual might prefer Amex SIA KF Ascend Card.

  • Stand-Out: Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
UOB PRVI Miles American Express Card is the best option on the market for affluent travellers looking to rapidly accrue miles for their overseas spend. Cardholders earn a competitive 1.4 miles per S$1 locally, 2.4 miles overseas and 6 miles with major hotels and airlines. These rates are up to 3x higher than those offered by the Amex KrisFlyer cards. Cardholders can also avoid paying the S$256.8 annual fee with S$50k annual spend (about S$4,167/month). At this spend level, cardholders also receive 20,000 annual bonus miles.


Consumers with large budgets can easily earn no-fee miles at top rates with UOB PRVI Miles Card. However, they receive very little in terms of perks. Specifically, cardholders receive free travel insurance and up to 8 free limo transfers per year. Affluent travellers who care more about perks than about rapid miles accrual might prefer Amex SIA KF Ascend Card.

Citi Prestige MasterCard: Best Luxury Travel Perks

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
If your top priority is luxury and you're willing to pay for perks, consider Citi Prestige MasterCard. Cardholders earn 1.3 miles per S$1 local spend and 2 miles overseas, which is similar to the rates offered by the Amex KrisFlyer cards. However, Citi Prestige's perks are far more comprehensive. Cardholders receive unlimited lounge access & free limo transfers, bonus hotel nights, 6 free green fees per year, access to JetQuay and more. Every year, cardholders also receive 25,000 annual renewal miles and a bonus of up to 30%, based on their Citi relationship tenure. These perks do not include many membership status upgrades, however (as offered by Amex SIA KF Ascend). Additionally, Citi Prestige Card is very expensive, with a S$535 annual fee and no waiver option.
  • Stand-Out: Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
If your top priority is luxury and you're willing to pay for perks, consider Citi Prestige MasterCard. Cardholders earn 1.3 miles per S$1 local spend and 2 miles overseas, which is similar to the rates offered by the Amex KrisFlyer cards. However, Citi Prestige's perks are far more comprehensive. Cardholders receive unlimited lounge access & free limo transfers, bonus hotel nights, 6 free green fees per year, access to JetQuay and more. Every year, cardholders also receive 25,000 annual renewal miles and a bonus of up to 30%, based on their Citi relationship tenure. These perks do not include many membership status upgrades, however (as offered by Amex SIA KF Ascend). Additionally, Citi Prestige Card is very expensive, with a S$535 annual fee and no waiver option.

Travel Credit Card Comparison Tables

Credit CardLocalOverseasBoostExpiryTransfer Fee
DBS Altitude 1.2 mi/S$12.0 mi/S$13 mi/S$1 flights & hotelsN/AWaiver Option
Citi PM (Bonus Mi) 1.2 mi/S$12.0 mi/S$1N/AN/AS$25/transfer
Citi PM (No Fee)
Amex SIA KF 1.1 mi/S$12.0 mi/S$12 mi/S$1 with SIA brands, 3.1 mi/S$1 Grab3yrsN/A
Amex SIA KF Ascend 1.2 mi/S$12.0 mi/S$12 mi/S$1 with SIA brands, 3.2 mi/S$1 Grab3yrsN/A
KrisFlyer UOB 1.2 mi/S$11.2 mi/S$13 mi/S$1 dining, transport, online fashion & travel3yrsN/A
UOB PRVI Miles 1.4 mi/S$12.4 mi/S$16 mi/S$1 flight & hotels2yrsWaiver Option
Please note: DBS Altitude's category boost is limited to online bookings. Amex SIA KF Card's overseas rate applies only in June & December (1.1 mi/S$1 otherwise). KF UOB Card's boosted rates are unlocked w/ S$500 annual SIA spend. UOB PRVI Miles Amex Card's category boost is limited to select travel merchants
Credit CardLoungeTravel InsGolfTransportOther Perks
DBS Altitude 2 visits/yrCoverage up to S$1MDisc. green feesDisc. transfersVisa Concierge
Citi PM (Bonus Mi) 2 visits/yrCoverage up to S$1MN/AN/ACiti World Priv.
Citi PM (No Fee)
Amex SIA KF N/ACoverage up to S$350kN/AHertz Gold PlusAmex Selects
Amex SIA KF Ascend N/ACoverage up to S$1MN/AHertz Gold PlusAmex Selects
KrisFlyer UOB N/ACoverage up to S$500kN/AS$15 off GrabScoot Privileges
UOB PRVI Miles N/ACoverage up to S$500kN/A8 transfers/yrUOB Travel Butler
Please note: Travel insurance refers to free travel accident coverage for the principal cardholder; some cards offer additional kinds of insurance coverage (like medical benefits, emergency evacuation & repatriation, travel inconvenience)
Credit CardAnnual FeeSpend WaiverBonus MilesMin. Income
DBS Altitude S$192.6, waived 1yrWaived w/ S$25k annual spend10k mi/yr (in lieu of waiver)
  • SG & PR: S$30k
  • Foreigners: S$45k
Citi PM (Bonus Mi) S$192.6 fee, 10k annual bonus miles +
  • SG & PR: S$30k
  • Foreigners: S$42k
Citi PM (No Fee)
Amex SIA KF S$176.55, waived 1yrN/APromotions vary
  • SG & PR: S$30k
  • Foreigners: S$60k
Amex SIA KF Ascend S$337.05N/APromotions vary
  • SG & PR: S$50k
  • Foreigners: S$60k
KrisFlyer UOB S$192.6, waived 1yrN/A10k bonus mi/yr
  • SG & PR: S$30k
  • Foreigners: S$40k
UOB PRVI Miles S$256.8, waived 1yrWaived w/ S$50k annual spend20k mi/yr (w/ S$50k spend)
  • SG & PR: S$30k
  • Foreigners: S$40k
Waivers and bonus miles subject to change. See card websites for further details

Additional Resources to Help You Find the Best Credit 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.

Comments and Questions

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