KrisFlyer UOB vs. Amex Singapore Airlines KrisFlyer Credit Card Comparison 2020

If you exclusively fly with Singapore Airlines and its partner carriers (like Scoot), you might want to consider a credit card that rewards your loyalty with boosted miles. KrisFlyer UOB Card and American Express Singapore Airlines KrisFlyer Card are the most competitive SIA cards currently on the market. While both reward airline loyalists, each has a rewards structure tailored to a different kind of traveller. We've analysed each card's terms & conditions to provide a comprehensive review below, detailing just how they compare in terms of rates, perks, and fees.

  • 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

Overview: KrisFlyer UOB vs. Amex Singapore Airlines KrisFlyer

While both KrisFlyer UOB Card and American Express Singapore Airlines KrisFlyer Card clearly target frequent SIA flyers, they're actually best fit for different types of consumers. The first is uniquely tailored to millennials who spend time abroad–and who don't mind waiting to earn miles bonuses–while the latter caters to beginners who want a basic, hassle-free "starter" option. Which seems to better match your needs and lifestyle? We've created a detailed breakdown comparing the two cards below to help you with your decision.

Summary Table: KrisFlyer UOB vs. Amex SIA KrisFlyer

CategoryFeatureKrisFlyer UOBAmex SIA KF
  • Rewards Rate
Local Rate1.2 miles/S$11.1 miles/S$1
Overseas Rate1.2 miles/S$12.0 miles/S$1
Category Boost
  • 3 mi/S$1 dining, transport, online fashion & travel
  • 2.0 miles/S$1 (SIA spend)
  • 3.1 miles/S$1 (Grab)
  • Travel Perks
Lounge AccessN/ANA
Travel InsuranceCoverage up to S$500kCoverage up to S$350k
TransportS$15 off GrabHertz Gold Plus
Golfing PerksN/AN/A
  • Annual Fee
Annual FeeS$192.6, 1yr waiverS$176.55, 1yr waiver
Spend WaiverN/ANA
Bonus Miles10k bonus mi/yrPromotions vary
Amex SIA KF Card's overseas rate is limited to June and December only; off-season overseas spend earns 1.1 miles per S$1. Additional details apply. See sections below or card websites for a further breakdown of information

Rewards Rates: KrisFlyer UOB vs. Amex SIA KrisFlyer

At first, it may seem like KrisFlyer UOB and Amex SIA KF Card have a similar rewards structure: a flat miles rate for local and overseas spend with a boost for SIA brand transactions. However, the nature of this boost–as well as a few extras–quickly differentiate these two options. KrisFlyer UOB Card's flat rate is slightly higher than Amex SIA KF's, at 1.2 miles/S$1 compared to 1.1 miles/S$1. Additionally, cardholders earn 3 miles/S$1 with SIA compared to 2 miles for brand transactions with Amex SIA KF. However, KrisFlyer UOB Card really pulls ahead by offering a boosted 3 miles per S$1 on global dining, transport, online fashion & travel bookings with just S$500 annual SIA spend. These spend categories align well with a social young adult, and this minimum is quite reasonable even for those on a limited budget. Amex SIA KF Card may be better for beginners who aren't ready to track minimums or spend categories.

Comparison Table: Miles Rewards & Redemption

FeatureKrisFlyer UOBAmex SIA KF
Rewards CurrencyKrisFlyer MilesKrisFlyer Miles
Local Rate1.2 miles/S$11.1 miles/S$1
Overseas Rate1.2 miles/S$12.0 miles/S$1
Category Boost
  • 3 mi/S$1 global dining, transport, online fashion & travel
  • 2 mi/S$1 w/ SIA, 3.1 mi/S$1 on Grab (up to 620 mi/mo)
Miles Expiry3 years3 years
Auto-ConversionN/AN/A
Conversion FeeN/AN/A
Processing TimeN/AN/A
Please note: KrisFlyer UOB's boosted rewards rates are unlocked with S$500 annual SIA spend. Bonus miles are rewarded at the end of the year. Amex SIA KF Card's overseas rate applies only in June & December (off-season earns 1.1 mi/S$1)

Amex SIA KF Card is also a bit more limiting in its rewards. While cardholders can sometimes earn higher rates on general overseas spend, this eligible period is limited to just June & December; consumers earn 1.1 miles/S$1 overseas all other times of the year. Also, while KF UOB Card allows consumers to earn at boosted rates for online bookings with any merchant, Amex SIA KF Card only rewards spend with SIA brands. Cardholders do earn an elevated 3.1 miles/S$1 on Grab rides, but this is capped at just 620 miles/month (equal to about S$6.2 in redemption value).

KrisFlyer UOB and Amex SIA KF Card are similar, however, in that both reward consumers in KrisFlyer miles rather than points. Therefore, consumers don't need to worry about conversion fees or extended processing times. KrisFlyer miles do expire 3 years after they're credited to the consumer's frequent flyer account, however. Alternative travel cards' rewards points never expire, eliminating the need to track benefits.

Travel Perks: KrisFlyer UOB vs. Amex SIA KrisFlyer

KrisFlyer UOB Card and Amex SIA KrisFlyerCard are also quite different in terms of perks. KrisFlyer UOB Card appeals to the budget-friendly traveller. Cardholders receive special privileges with SIA's low-cost carrier, Scoot, including free standard seat selection, booking flexibility waivers, baggage allowance upgrades and complimentary priority check-in & boarding. Other perks include a S$20 cash rebate with a S$100+ nett transaction at KrisShop, S$15 worth of Grab codes for rides to and from Changi airport, and another S$15 voucher good towards ChangiWiFi. Cardholders also receive free travel insurance (limited to the cardmember only).

Comparison Table: Travel Perks & Privileges

FeatureKrisFlyer UOBAmex SIA KF
Lounge AccessN/AN/A
Travel InsuranceAccidental Death & Disablement (Up to S$500k), Emergency Evacuation & RepatriationAccidental Death & Disablement (Up to S$350k), Travel Inconvenience
TransportS$15 off GrabHertz Gold Plus
Golfing PrivilegesN/AN/A
Card PrivilegesScoot PrivilegesHertz Gold, Amex Selects
Additional details apply. See card websites for a further breakdown of information

Amex SIA KF Card offers fewer travel perks overall. Cardholders who spend S$12k within a year receive a S$150 cash credit with SIA, further incentivising airline loyalty. Other perks include Hertz Gold Plus car rental privileges, discounts on portable WiFi routers at Changi, and access to dining & lifestyle savings via American Express Selects.

It's important to point out that neither KrisFlyer UOB nor Amex SIA KF Card offer lounge access. Those who prioritise luxury perks might be better off with another option (consider the alternatives reviewed below). KrisFlyer UOB Card does offer consumers who spend S$5k with SIA annually expedited KrisFlyer Elite Silver status. However, higher spenders who can unlock this perk might prefer a more expensive travel card with additional benefits.

Fees & Requirements: KrisFlyer UOB vs. Amex SIA KrisFlyer

Another big differentiator between KrisFlyer UOB and Amex SIA KF Card is bonus structure. Amex SIA KF Card often offers new cardmembers attractive welcome bonuses, often up to 20k+ miles (though this amount changes according to the running promotion). These bonuses add on to standing perks such as 5,000 KF miles with the first card transaction, another 500 miles with the first Grab ride and S$150 SIA credit with S$12k spend. Generally, Amex SIA KF Card is a great option for people planning an upcoming trip–perhaps a honeymoon–because of its easily accessible upfront bonuses.

Comparison Table: Requirements & Fees

FeatureKrisFlyer UOBAmex SIA KF
Annual FeeS$192.6, 1yr waiverS$176.55, 1yr waiver
Spend-Based WaiverN/AN/A
Bonus Miles10k bonus mi/yrPromotions vary
FX Fee3.25%2.50%
Minimum Age21 years old21 years old
Income Req
  • SG & PR: S$30,000
  • Foreigners: S$40,000
  • SG & PR: S$30,000
  • Foreigners: S$60,000
Additional details apply. See card websites for a further breakdown of information

While Amex SIA KF Card provides upfront miles, KrisFlyer UOB delays rewards significantly. Because its boosted 3 miles/S$1 rate is contingent on S$500 annual spend, cardholders must wait until the end of the year to receive their rewards boost. As a result, the amount of miles credited to a cardholder's account during the year itself will likely be quite low (given the 1.2 miles/S$1 general rate). People who don't mind waiting for their rewards can likely earn more miles for their spend in the long run, but those planning for an upcoming vacation may still prefer Amex SIA KF Card.

Comparison to Similar Travel Credit Cards

Both KrisFlyer UOB and Amex SIA KF Card heavily reward SIA loyalists. However, several cards on the market provide competitive rates regardless of which airline a cardholder flies with. If you're interested in a more flexible travel option, or simply would like to learn about additional cards, consider those we've reviewed below.

Citi PremierMiles: Annual Bonus Miles, Affordable Perks

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • 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$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Card is a relatively straightforward travel card that provides a balance between competitive rates and affordable perks. Cardholders earn 1.2 miles per S$1 on local spend, boosted to 2 miles overseas–without further stipulation. Consumers also receive 2 free lounge visits per year via Priority Pass and one of the most comprehensive free travel insurance plans on the market (including both travel accident and travel inconvenience coverage). While there's a S$192.6 annual fee, cardholders receive a bonus 10k miles every year, which have a redemption value of about $100+. Overall, Citi PM Card offers travellers an easy way to earn on all of their spend without committing to a single airline, with the added benefit of lounge access.
  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • 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$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Card is a relatively straightforward travel card that provides a balance between competitive rates and affordable perks. Cardholders earn 1.2 miles per S$1 on local spend, boosted to 2 miles overseas–without further stipulation. Consumers also receive 2 free lounge visits per year via Priority Pass and one of the most comprehensive free travel insurance plans on the market (including both travel accident and travel inconvenience coverage). While there's a S$192.6 annual fee, cardholders receive a bonus 10k miles every year, which have a redemption value of about $100+. Overall, Citi PM Card offers travellers an easy way to earn on all of their spend without committing to a single airline, with the added benefit of lounge access.

DBS Altitude Visa: No-Fee Miles & 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 everyday consumer looking for a taste of luxury when you travel, you may want to consider DBS Altitude Visa Card. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas and 3 miles on online travel bookings–including with Singapore Airlines. DBS Altitude Card therefore has a higher SIA-brand rate than Amex SIA KF Card, though rewards are capped at 15k miles/month. DBS Altitude Card also provides greater flexibility, which is perfect for those who choose a flight based on deals available, rather than brand loyalty.


DBS Altitude Card also stands out for its affordable luxury perks. Consumers receive 2 free lounge visits/year, free travel insurance, discounted green fees & limo transfers and more. Even better, those who spend S$25k/year are exempt from the already moderate S$192.6 annual fee. Cardholders with lower spend alternatively receive 10,000 bonus miles, which have a redemption value of about S$100. Overall, DBS Altitude Card is a better match for the average traveller who prioritises both affordability and access to perks, while KrisFlyer UOB and Amex SIA KF are better suited to SIA loyalists who aren't as concerned about travel benefits.

  • 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 everyday consumer looking for a taste of luxury when you travel, you may want to consider DBS Altitude Visa Card. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas and 3 miles on online travel bookings–including with Singapore Airlines. DBS Altitude Card therefore has a higher SIA-brand rate than Amex SIA KF Card, though rewards are capped at 15k miles/month. DBS Altitude Card also provides greater flexibility, which is perfect for those who choose a flight based on deals available, rather than brand loyalty.


DBS Altitude Card also stands out for its affordable luxury perks. Consumers receive 2 free lounge visits/year, free travel insurance, discounted green fees & limo transfers and more. Even better, those who spend S$25k/year are exempt from the already moderate S$192.6 annual fee. Cardholders with lower spend alternatively receive 10,000 bonus miles, which have a redemption value of about S$100. Overall, DBS Altitude Card is a better match for the average traveller who prioritises both affordability and access to perks, while KrisFlyer UOB and Amex SIA KF are better suited to SIA loyalists who aren't as concerned about travel benefits.

American Express Singapore Airlines Krisflyer Ascend Card: Elite Memberships for SIA Frequent Flyers

  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$8k w/in 1st 3mo, receive 16k bonus miles
  • Spend S$8k in 4th to 6th month, receive another 16k bonus miles
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
American Express Singapore Airlines KrisFlyer Ascend Card is a great option for affluent consumers who frequently fly with SIA and want luxury perks that aren't offered by its sister card, Amex SIA KF. Cardholders earn at similar rates–1.2 miles per S$1 on general spend, 2 miles overseas in June & December and on SIA brands, and 3.2 miles on Grab rides (up to 640 miles/month). However, they have access to a variety of exclusive privileges, like 4 free lounge visits/year, 1 free hotel night per year, free travel insurance and potential upgrades to KrisFlyer Elite Gold, Hilton Honors Silver, and Hertz Gold Plus Rewards membership statuses. Cardholders receive an upfront miles bonus similar to Amex SIA KF Card's, but there's a relatively high S$337.05 annual fee. As a result, Amex SIA KF Ascend is a better match for affluent SIA loyalists who are willing to pay extra for access to luxury perks.
  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$8k w/in 1st 3mo, receive 16k bonus miles
  • Spend S$8k in 4th to 6th month, receive another 16k bonus miles
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
American Express Singapore Airlines KrisFlyer Ascend Card is a great option for affluent consumers who frequently fly with SIA and want luxury perks that aren't offered by its sister card, Amex SIA KF. Cardholders earn at similar rates–1.2 miles per S$1 on general spend, 2 miles overseas in June & December and on SIA brands, and 3.2 miles on Grab rides (up to 640 miles/month). However, they have access to a variety of exclusive privileges, like 4 free lounge visits/year, 1 free hotel night per year, free travel insurance and potential upgrades to KrisFlyer Elite Gold, Hilton Honors Silver, and Hertz Gold Plus Rewards membership statuses. Cardholders receive an upfront miles bonus similar to Amex SIA KF Card's, but there's a relatively high S$337.05 annual fee. As a result, Amex SIA KF Ascend is a better match for affluent SIA loyalists who are willing to pay extra for access to luxury perks.

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
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 Asia GoldAmex 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
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.

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