KrisFlyer UOB Card: Best Option for SIA Loyalists?

KrisFlyer UOB Card: Best Option for SIA Loyalists?

Top Miles & Practical Travel Perks for SIA Loyalists

Good for

  • Travellers who always fly with SIA brands
  • Young adults who often shop online & dine out
  • Budget-minded travellers who value practical perks

Bad for

  • Airline-agnostic travellers
  • People who prioritise luxury perks
  • Consumers with big overseas budgets

Editor's Rating

4.5/5.0

UOB KrisFlyer Credit Card is the absolute best option on the market for SIA loyalists–especially young adults who tend to fly on a budget. Cardholders earn up to 3 KrisFlyer miles per S$1 in key categories like dining, transport, online shopping & travel bookings after just S$500 annual spend with SIA brands. Transactions with such brands–SIA, SilkAir, Scoot & KrisShop–also earn 3 miles per S$1. All other spend earns 1.2 miles per S$1. While there aren't many premium travel features like lounge access or discounted green fees, consumers can enjoy other perks that make travel easy, such as baggage upgrades, priority check-in & more with Scoot and vouchers for ChangiWiFi and Grab rides to and from the airport. And, while there's a S$192.6 fee, it's waived the 1st year and then offset by 10,000 annual renewal miles (worth about S$100)–making KF UOB Card a perfect match for young SIA loyalists on a budget.

ProsCons
  • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
  • Up to 3 mi on dining, transport, online shopping & travel
  • Expedited KF Elite Silver status, Scoot privileges
  • 10,000 annual bonus renewal miles
  • Just 1.2 mi on non-category overseas spend
  • No lounge access perks
  • No spend-based fee-waiver
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
Card Overview
Pros:
  • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
  • Up to 3 mi on dining, transport, online shopping & travel
  • Expedited KF Elite Silver status, Scoot privileges
  • 10,000 annual bonus renewal miles
  • 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
Cons:
  • Just 1.2 mi on non-category overseas spend
  • No lounge access perks
  • No spend-based fee-waiver

What Makes KrisFlyer UOB Credit Card Stand Out

KrisFlyer UOB Card offers young SIA loyalists access to some of the highest miles rewards rates on the market, paired with perks that fit perfectly with a somewhat modest budget. Cardholders earn 1.2 KrisFlyer miles per S$1 general spend, both locally & overseas, and 3 miles for spend with SIA brands (SIA, SilkAir, Scoot & KrisShop). Rates are boosted to 3 miles per S$1 spend on dining & online food delivery, transport (including taxis & public transit), and online shopping & travel bookings–as long as the cardholder spends S$500 with SIA within a year. This is quite reasonable for frequent travellers, equating to the cost of 2-3 regional trips or 1-2 trips to East Asia or Oceania.

Comparative Rewards Rates in Boosted Categories

Credit CardDiningTransportOnline ShoppingTravel BookingsRestrictions
KrisFlyer UOB3.0 mi/S$13.0 mi/S$13.0 mi/S$13.0 mi/S$1Min. S$500 annual SIA spend
MB Horizon3.2 mi/S$13.2 mi/S$10.4 mi/S$12.0 mi/S$1Dining & transport rates for local spend only
Amex SIA KF1.1 mi/S$13.1 mi/S$11.1 mi/S$12.0 mi/S$1Transport applies to Grab only (up to 620mi/mo)

These boosted miles rates are amongst the highest on the market within their spend categories, which makes KrisFlyer UOB Card an extremely competitive option for SIA flyers who can unlock them. However, dining, online shopping and local transport are also well-matched to young spenders. Young adults who typically fly on a budget are also more likely to take advantage of the card's many travel privileges that are exclusively tied to Scoot–SIA's budget airline. Other perks include a S$15 Grab voucher for trips to and from Changi Airport, a S$15 voucher for ChangiWiFi, and a S$20 rebate on shopping spend with KrisShop (min. S$100 nett spend).

KrisFlyer UOB Card's Travel Perks

PerkDetails
Scoot Perks
  • Free priority check-in & boarding
  • +5kg upgrade baggage allowance on min. 20kg baggage fare bundle
  • Complimentary standard seat selection (cardholder only)
  • Booking flexibility waiver: 1 free date/time change per booking
KrisShop Rebate
  • S$20 rebate at KrisShop w/ S$100 min. nett spend in single transaction
Grab Voucher
  • S$15 worth of Grab promos (2 codes) for use to or from Changi Airport
ChangiWiFi Voucher
  • 2 e-cash redemptions for ChangiWiFi worth S$15 total
Travel Insurance
  • Travel Personal Accident Insurance up to S$500,000
  • Emergency Medical Evacuation & Repatriation up to S$50,000
Fast-Tracked KF Elite Silver
  • Spend S$5k in 1st year for upgrade to Elite Silver tier (valid 1yr)
  • Benefits include 25% add'l miles earning boost on bookings

KrisFlyer UOB Card does not have the luxury perks that some travellers might be looking for, however. Cardholders do not receive free or discounted lounge access, free green fees nor exclusive privileges at high-end hotels. Cardholders also earn just 1.2 miles per S$1 on their general overseas spend, which is far below the market standard. Nonetheless, KrisFlyer UOB Card does have a few high-end touches; cardholders receive free travel insurance and can expedite their KrisFlyer membership to Elite Silver with S$5,000 annual SIA spend (valid 1 year only).

All in all, KrisFlyer UOB Card is competitive for nearly all SIA loyalists who prefer rapid miles to perks, though young adults may especially benefit from its structure & benefits. Even better, while there's a S$192.6 annual fee, it's waived the 1st year, and is subsequently offset by 10,000 KF annual bonus miles (worth about S$100). As a result, young flyers can affordably fuel rapid miles accrual just by committing to SIA as their airline of choice.

How Does KrisFlyer UOB Card's Rewards Programme Work?

Use our quick guide below to learn how you can redeem UOB KrisFlyer Card's rewards.

  • Cardholder must have KrisFlyer membership account (free for sign-up)
  • Miles earned are automatically credited to KF membership account at the end of each month
  • As rewards are earned directly as KF miles, there are no conversion fees
  • Cardholders can earn +1.8 mi/S$1 in select categories (earning up to 3mi/S$1) with S$500 minimum SIA annual spend. This bonus is credited to the cardholder's account separately at the end of the year, 2 months after the membership anniversary
  • Spend on supplementary card(s) is attributed to the principal card to meet qualifying spend requirements to reach any bonuses
  • KrisFlyer miles cannot be converted to or exchanged for cash, transferred or paid to any other person, or used to settle or pay any other liability
  • Once KF miles are credited to KF account, redemption and use are governed by the terms and conditions of the KF programme

KrisFlyer UOB Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: S$192.6, Waived for 1 year
  • Income Requirement: S$30,000 for locals, S$42,000 for foreigners
Rewards Rate Details
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport (taxis, local commuter transport, car rentals)–with min. S$500 annual spend on SIA brands
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 10,000 annual bonus renewal miles
  • No conversion fees
Benefits & Perks
  • Fast-track to KrisFlyer Elite Silver Status (valid 1yr) w/ S$5k annual spend on SIA brands
  • Priority check-in & boarding on Scoot flights for cardholder & members of travelling party
  • Free standard seat selection for Scoot flights (cardholder only)
  • Booking flexibility waiver for Scoot flights (up to 1 free date/time change per booking)
  • S$20 rebate at KrisShop w/ S$100 min. nett spend in single transaction
  • S$15 worth of free Grab rides to or from Changi Airport & S$15 off ChangiWiFi
  • Free travel insurance
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

KrisFlyer UOB Card's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

Personal loan; balance/funds transfers; cash advances; fees; interests; finance charges; late payment charges; annual fee charges; reversals; 0% Installment Payment Plans; SmartPay; tax payments; any other financial charges and any other transactions UOB may exclude from time to time, without prior notice
Transactions relating to top-ups of any prepaid card; NETS and NETS-related transactions; quasi cash as remote stored value load-financial institute rentals, stored value-load merchant rentals, or stored value card purchase/load
Wire transfer/remittance; quasi cash remote money transfers; payment to member financial institutions (merchandise & services) and quasi-cash to financial institutions, merchandise and services; payment to brokerage/securities; any trading transactions (including but not limited to websites for trading of shares and cryptocurrency); quasi cash to merchants that are non-financial institutions (foreign currency, non-fiat currency, cryptocurrency); direct marketing of insurance services; insurance sales and underwriting; insurance; schools (elementary and secondary, universities, professional schools, junior colleges, correspondence, business and secretarial, trade and vocational, all other non-classified educational services); charitable and social service organisations; religious organisations; political organisations; court costs (inc. alimony and child support); fines; bail and bond payments; postal services (government only); intra-government purchases (government only); all other government services
Nondurable goods; real estate agents & managers (inc. rentals); cleaning, maintenance and janitorial services (aka property management); quasi-cash truck stop transactions; any gambling transactions (betting inc. lottery tickets, casino gaming chips, off-track betting, wagers at race tracks); spend at SPC Service Stations; spend with SMART$ merchants (transactions earn SMART$ rebates rather than KF miles)

How does KrisFlyer UOB Card Compare to Other Cards?

Read our comparisons of KrisFlyer UOB 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.

Graph showing some of Singapore’s best miles credit cards in terms of value-to-consumer after two years, based on an average monthly spend of S$2,000
KrisFlyer UOB Card v. American Express Singapore Airlines KrisFlyer Card
  • Annual Fee: S$176.55
  • Stand-Out: Directly earn KrisFlyer miles, S$150 SIA credit
  • Read Our Full Review
American Express Singapore Airlines KrisFlyer Card is an optimal match for SIA loyalists who want to rapidly accrue miles upfront. Cardholders enjoy one of the best welcome promotions on the market, with the potential to earn up to 21,500 miles within 6 months: 5,000 KF bonus miles for the first transaction, 8,000 miles with S$5k spend in 3 months, another 8,000 miles with another S$5k spend in the next 3 months, then 500 bonus miles with the first Grab booking.


KF UOB Card offers 10,000 KF bonus miles, but this starts only after its 1-year waiver expires. Additionally, its category boost (+1.8 miles, for up to 3 miles/S$1 total) is awarded only with S$500 SIA spend, and is only credited to the cardholder's account 2 months after the card membership anniversary. Still, KF UOB Card offers higher rates–Amex SIA KF Card awards just 1.1 miles per S$1 general spend, 2 miles on SIA brands & overseas (June & December only), and 3.1 miles on Grab (capped at 620/mo). As a result, Amex SIA KF Card is a better match for people who want rapid bonus miles upfront, while KrisFlyer UOB Card is better for people willing to wait to receive their miles.

KrisFlyer UOB Card v. Maybank Horizon Visa Signature Card
  • Annual Fee: S$180.0
  • Stand-Out: Market-leading 3.2 miles per S$1 select local spend
  • Read Our Full Review
Maybank Horizon Visa Signature Card is an excellent option for people with primarily local budgets who want to earn miles on everyday expenses as well as on their vacations abroad. Cardholders earn a remarkable 3.2 miles per S$1 on local dining, transport (including petrol) and hotel bookings with Agoda–higher than corresponding rates offered by KrisFlyer UOB Card, and with no minimum spend requirement. However, unlike with KF UOB, these rates apply only to spend in Singapore; overseas transactions in these categories earn just 2 miles per S$1. In addition, air tickets earn just 2 miles per S$1. While this rewards rate is airline-agnostic, it's lower than KF UOB's rate of 3 miles/S$1 for bookings with SIA brands.


Maybank Horizon Card does stand out by offering cardholders a relatively easy fee-waiver. Cardholders are exempt from the S$180.0 annual fee for 3 years, and then subsequently, with just S$18,000 annual spend. This averages out to about S$/month, which is quite reasonable for the average consumer. Overall, people with local budgets who want to rapidly accrue no-fee miles on their daily spend should definitely consider Maybank Horizon Card, while frequent travellers who fly with SIA might be better off with Krisflyer UOB Card.

KrisFlyer UOB Card v. Citi PremierMiles Visa Card
Citi PremierMiles Visa Card offers average spenders a chance to enjoy competitive rates and luxury perks without having to pay an exorbitant fee. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas–which is higher than KF UOB Card's 1.2 miles per S$1 general rate for foreign currency transactions. KF UOB Card does, however, provide a rate boost for categories like dining, transport and online shopping.

On the other hand, Citi PMV Card also offers 2 free lounge visits every year, which is not provided by KF UOB Card. While both offer 10,000 annual bonus miles, KF UOB Card also offers an opportunity to upgrade to KF Elite Silver Status, which would boost rewards by another 25%. Ultimately, KF UOB Card is better fit for rapid miles accrual, while Citi PMV may be a better match for general overseas spenders who prefer luxury perks.

KrisFlyer UOB Card v. DBS Altitude Visa Card
DBS Altitude Visa Card is the best option on the market for frequent travellers who want to enjoy luxury travel perks without having to pay an annual fee. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas and 3 miles on online travel bookings. In addition to these rates, consumers enjoy 2 free lounge visits per year, discounted green fees, free travel insurance and access to hotel upgrades via Visa Digital Concierge. With just S$25,000 annual spend, cardholders are also fully exempt from paying the S$192.6 annual fee.


KF UOB Card has similar rates, but boosts rewards based on spend with SIA, making it a loyalty-driven card. Additionally, KF UOB's perks are more practical than luxurious, focusing instead on baggage upgrades, seat selection and the like. Finally, KF UOB Card does not offer a spend-based fee waiver. As a result, people seeking affordable travel luxury might prefer DBS Altitude Card, while SIA loyalists preferring practical benefits might prefer KrisFlyer UOB Card.

KrisFlyer UOB Card v. Amex SIA KF Card
  • Annual Fee: S$176.55
  • Stand-Out: Directly earn KrisFlyer miles, S$150 SIA credit
  • Promotion: 5,000 bonus miles w/ 1st charge to your card
  • Read Our Full Review
American Express Singapore Airlines KrisFlyer Card is an optimal match for SIA loyalists who want to rapidly accrue miles upfront. Cardholders enjoy one of the best welcome promotions on the market, with the potential to earn up to 21,500 miles within 6 months: 5,000 KF bonus miles for the first transaction, 8,000 miles with S$5k spend in 3 months, another 8,000 miles with another S$5k spend in the next 3 months, then 500 bonus miles with the first Grab booking.


KF UOB Card offers 10,000 KF bonus miles, but this starts only after its 1-year waiver expires. Additionally, its category boost (+1.8 miles, for up to 3 miles/S$1 total) is awarded only with S$500 SIA spend, and is only credited to the cardholder's account 2 months after the card membership anniversary. Still, KF UOB Card offers higher rates–Amex SIA KF Card awards just 1.1 miles per S$1 general spend, 2 miles on SIA brands & overseas (June & December only), and 3.1 miles on Grab (capped at 620/mo). As a result, Amex SIA KF Card is a better match for people who want rapid bonus miles upfront, while KrisFlyer UOB Card is better for people willing to wait to receive their miles.

KrisFlyer UOB Card v. Maybank Horizon Visa
  • Annual Fee: S$180.0
  • Stand-Out: Market-leading 3.2 miles per S$1 select local spend
  • Promotion: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Read Our Full Review
Maybank Horizon Visa Signature Card is an excellent option for people with primarily local budgets who want to earn miles on everyday expenses as well as on their vacations abroad. Cardholders earn a remarkable 3.2 miles per S$1 on local dining, transport (including petrol) and hotel bookings with Agoda–higher than corresponding rates offered by KrisFlyer UOB Card, and with no minimum spend requirement. However, unlike with KF UOB, these rates apply only to spend in Singapore; overseas transactions in these categories earn just 2 miles per S$1. In addition, air tickets earn just 2 miles per S$1. While this rewards rate is airline-agnostic, it's lower than KF UOB's rate of 3 miles/S$1 for bookings with SIA brands.


Maybank Horizon Card does stand out by offering cardholders a relatively easy fee-waiver. Cardholders are exempt from the S$180.0 annual fee for 3 years, and then subsequently, with just S$18,000 annual spend. This averages out to about S$/month, which is quite reasonable for the average consumer. Overall, people with local budgets who want to rapidly accrue no-fee miles on their daily spend should definitely consider Maybank Horizon Card, while frequent travellers who fly with SIA might be better off with Krisflyer UOB Card.

KrisFlyer UOB Card v. Citi PMV Card
  • Annual Fee: S$192.6
  • Stand-Out: Up to 34,200 welcome & 10,000 renewal miles
  • Promotion: Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • Read Our Full Review
Citi PremierMiles Visa Card offers average spenders a chance to enjoy competitive rates and luxury perks without having to pay an exorbitant fee. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas–which is higher than KF UOB Card's 1.2 miles per S$1 general rate for foreign currency transactions. KF UOB Card does, however, provide a rate boost for categories like dining, transport and online shopping.

On the other hand, Citi PMV Card also offers 2 free lounge visits every year, which is not provided by KF UOB Card. While both offer 10,000 annual bonus miles, KF UOB Card also offers an opportunity to upgrade to KF Elite Silver Status, which would boost rewards by another 25%. Ultimately, KF UOB Card is better fit for rapid miles accrual, while Citi PMV may be a better match for general overseas spenders who prefer luxury perks.

KrisFlyer UOB Card v. DBS Altitude
  • Annual Fee: S$192.6
  • Stand-Out: Fee-waiver & perks like lounge access
  • Promotion: S$200 cashback w/ promo code "NOVFLASH" (must make 1 transaction). Valid until November 26.
  • Read Our Full Review
DBS Altitude Visa Card is the best option on the market for frequent travellers who want to enjoy luxury travel perks without having to pay an annual fee. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas and 3 miles on online travel bookings. In addition to these rates, consumers enjoy 2 free lounge visits per year, discounted green fees, free travel insurance and access to hotel upgrades via Visa Digital Concierge. With just S$25,000 annual spend, cardholders are also fully exempt from paying the S$192.6 annual fee.


KF UOB Card has similar rates, but boosts rewards based on spend with SIA, making it a loyalty-driven card. Additionally, KF UOB's perks are more practical than luxurious, focusing instead on baggage upgrades, seat selection and the like. Finally, KF UOB Card does not offer a spend-based fee waiver. As a result, people seeking affordable travel luxury might prefer DBS Altitude Card, while SIA loyalists preferring practical benefits might prefer KrisFlyer UOB Card.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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