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

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

If you have never used a miles award card before, Amex Singapore Airlines KrisFlyer is one of the easiest cards to use.

Good for

  • Miles card beginners who don't want to deal with miles conversions and redemption programs
  • Loyal Singapore Airlines flyers

Bad for

  • People who want to maximise miles earned
  • Deal seekers who don't mind the hassle of redeeming miles with different airlines

Editor's Rating

3.0/5.0

American Express Singapore Airlines KrisFlyer Card combines convenience, rewards and perks into one card. Not only does it provide a great reward of 1.1 mile per S$1 spent locally, 2 miles per S$1 spent overseas or on singaporeair.com and silkair.com for your travel bookings, Amex Singapore Airlines KrisFlyer card also provides the easiest way of redeeming miles that doesn’t require additional fees or long processing time. We think this card is perfect for credit card novices who aren’t familiar with how to use miles, are loyal to Singapore Air or Silk Air, and value convenience over maximizing awards.

Pros of Amex KrisFlyer Card

  • Most convenient mile redemption program with no additional fee
  • Decent awards of 1.1 miles per S$1 of local spend
  • 2 miles per S$1 spent on singaporeair.com, silkair.com, KrisShop and SilkAir SkyShop
  • 2 miles per S$1 spent overseas in June and December
  • Access to American Express Selects
  • Promotions: 5,000 KrisFlyer Miles upon first spend on card + 6,000 KrisFlyer miles when you spend S$2,000 in the first 3 months upon card approval
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • Get 1 chance for every S$50 spend on your card in each monthly draw to win 2 business class tickets to 12 destinations in the world (varies by month)

Cons of Amex KrisFlyer Card

  • Annual fee: S$176.55, first year fee waived
  • High travel reward only from Singapore Airlines & Silk Air
  • Miles redemption limited to Singapore Airlines, Silk Air and Star Alliance partners
  • Lower award rates than other comparable cards

What makes the American Express Singapore Airlines KrisFlyer Card stand out

Consumers who fly frequently on either Singapore Airlines or Silk Air will find American Express Singapore Airlines KrisFlyer Card to be one of ways to rack up rewards. First, this card offers one of the great mile reward programs for money spent on flights: you earn 2 Krisflyer miles for every S$1 you spend on singaporeair.com, silkair.com, KrisShop and at SilkAir SkyShop. If you are travelling in June and December, you can earn bonus 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December. For every other expense in Singapore, you will receive 1.1 Krisflyer miles per S$1 you spend, which is quite standard in the industry.

Although you can only earn high miles on travel bookings when you fly with Singapore Air & Silk Air, we don’t think it’ll provide much problem for most Singaporeans. Since Singapore Air & Silk Air flies to 130 destinations across 36 countries and holds 40% market share on the island, by far the biggest in Singapore, you won’t have much problem finding the free award flight you need with these miles. Furthermore, your KrisFlyer miles are credited directly into your KrisFlyer account, so you don’t need to worry about paying fees associated with converting your miles like most of your typical travel cards.

American Express Singapore Airlines KrisFlyer Card isn’t cheap with welcome offers and perks either. To start off, you can earn up to 8,000 miles right upfront just by signing up and spending meager S$700 in the first 6 months. American Express Singapore Airliens KrisFlyer Card will also award you a S$150 cashback for use on your next purchase on singaporeair.com when you spend $12,000 on your card until 30 June 2017, as well as $100 cash rebate on Grab + 500 bonus KrisFlyer miles on your first Grab booking.

American Express Singapore Airlines KrisFlyer Card's Features and Benefits:

  • Annual Fee: S$176.55 (waived 1st year)
  • APR: 25%
  • Salary requirement: S$30,000 for residents, S$60,000 for foreigners
  • Earn 1.1 KrisFlyer miles for every S$1 you spend locally
  • Earn 3.2 KrisFlyer miles for every S$1 you spend on Grab and Uber rides
  • Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
  • Hassle-free conversion with all KrisFlyer miles earned credit directly into your KrisFlyer account.
  • Up to 50% savings with American Express Selects at a wide selection of restaurants in Singapore and around the world.
  • Receive up to 30% off on walk-in rates at selected Plaza Premium lounges around the world, including at Changi Airport.
  • Hertz Gold Plus Rewards® loyalty programme with 10% discounts and one car class upgrade
  • Complimentary travel accident insurance up to $350k and Complete Fraud Protection Guarantee
  • Promotions: 5,000 KrisFlyer Miles upon first spend on card + 6,000 KrisFlyer miles when you spend S$2,000 in the first 3 months upon card approval
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • Get 1 chance for every S$50 spend on your card in each monthly draw to win 2 business class tickets to 12 destinations in the world (varies by month)

How does the American Express Singapore Airlines KrisFlyer Card Compare Against Other Credit Cards?

Compare Amex Singapore Airlines KrisFlyer card with other cards in the market and learn how they are different. We assess this card's strengths and weaknesses against those of similar cards to help you evaluate which card is best for you.

A graph displaying how American Express Singapore Airlines KrisFlyer Card compares to other credit cards in Singapore in terms of their rewards
American Express Singapore Airlines KrisFlyer Card vs Other Cards by Dollar Value*

Amex Krisflyer vs Citi PremierMiles Card

Citi PremierMiles is one of our favorite travel cards for average consumer. It has a great award rate of 1.2 miles per S$1 spent locally and 2 miles per S$1 spent overseas, plus an awesome welcome bonus of 30,000 miles. In contrast to Amex KrisFlyer, Citi PremierMiles Card’s Citi Miles can be redeemed with over 60 airlines and 8,000 hotel properties including Star Alliance, Sky Team, Hilton Hotels and IHG. Hence, if you feel comfortable with the redemption process that could be quite complicated in some cases, Citi PremierMiles Card can provide a much richer and more flexible award proram that Amex KrisFlyer. 

Amex Krisflyer vs DBS Altitude Visa Signature Card

DBS Altitude is another great middle of the road card for average consumer looking for travel benefits. It’s quite similar to Citi PremierMiles in all awards except three things: travel miles, annual fee and welcome bonus. Among the three cards, DBS Altitude has the highest travel mile award at 3 miles per S$1 spent on online travel bookings. Not only that, DBS Altitude is also the cheapest to use because it waivers the S$195.6 annual fee if you spend at least S$25,000 annually. The only downside to DBS Altitude is its lack of welcome bonus. Hence, we recommend DBS Altitude for consumers who are conscious about upfront annual fee payments and would rather use the card for free instead of receiving welcome bonus miles.

Amex KrisFlyer vs ANZ Travel Visa Card

ANZ Travel Visa Signature Card

ANZ Travel Visa Signature Card is great for people who frequent Australia or Singapore. As long as most of your air travel is between Singapore and Australia/Singapore, It’s almost impossible to beat the 2.8 miles spent in Australia or New Zealand, or on Qantas Airways and Jetstar Airways. ANZ Travel card also earns you a great flat rate of 1.4 miles on your local spend, which is much higher than Amex KrisFlyer card. As with most other mile programs, every mile is transferrable 1 for 1 to Asia Miles or Krisflyer Miles, with small fee of S$25 and some processing time.

However, if you are new to using travel cards, all of this additional fee and steps you have to go through could be not only annoying, but also daunting. In this case, Amex KrisFlyer card definitely could create a more seamless experience for you. Also, if you don’t travel to Australia or New Zealand frequently (or if you also frequent other countries), there may be better cards out there for you like DBS Altitude or Citi PremierMiles that award you 2 miles for S$1 spent anywhere overseas (not just in Australia or New Zealand), and up to 3 miles for online travel bookings (not just with Singapore Airlines or Silk Air). 

Amex Krisflyer vs OCBC Titanium Card

The OCBC Titanium Card has become, since its rebranding in 2016, one of the best shopping rewards credit cards in Singapore. If you're a shopaholic, this card is a great pick, since it awards a whopping 4 miles for every S$1 spent shopping online, offline, and overseas. The OCBC Titanium also helps you maximise your shopping budget by easily allowing you to avoid paying annual fees, as it automatically waives its S$192.6 annual fee for the first two years and waives the annual fee in following years as long as you spend at least S$10,000 per year. If you're not a big shopper, though, we would still advise that you choose the Amex Krisflyer or another card over the OCBC Titanium, as the OCBC Titanium rewards you with only 0.4 miles per S$1 spent in any category besides shopping.

Amex KrisFlyer vs HSBC Revolution

Newcomers to travel rewards credit cards may find the HSBC Revolution Card to be a good entrée to the genre, as it is very easy to earn a lot of miles with this card. The HSBC Revolution rewards foodies, shopaholics and social butterflies with 2 miles for every S$1 spent on dining, entertainment and online shopping. If you like to spend in these three categories, it may be easier for you to rack up miles with this card than with the Amex KrisFlyer card.

The HSBC Revolution is also a card your wallet will thank you for, as it makes avoiding paying the already low S$160.5 annual fee very easy by automatically waiving the fee for the first 2 years, and waiving subsequent years' fees as long as you spend S$12,500 on the card annually. While the Amex Krisflyer is a high-value pick for the frequent flyer, if you travel less frequently and want to earn big rewards for your recreational and discretionary spending, the HSBC Revolution just might be a perfect fit.

*ValuePenguin calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. ^OCBC Voyage and Standard Chartered Visa Infinite cards' dollar values are calculated based on S$4,000 of monthly spending, as they are designed for high spenders.

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