American Express Singapore Airlines KrisFlyer Credit Card vs Maybank Horizon Visa Signature Card
Compare American Express Singapore Airlines KrisFlyer Credit Card, Maybank Horizon Visa Signature Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express American Express Singapore Airlines KrisFlyer Credit Card | MaybankSignature •••• •••• •••• •••• Credit Card CompareVisa Maybank Horizon Visa Signature Card |
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Card details
CardIQ
How we calculate scores| Overall | 47Fair | 63Good Highest |
|---|---|---|
| Airport lounge | – | 62/100 |
| No annual fee | 42/100 | – |
| Rewards | 51/100 | 65/100Highest |
The basics
| Card tier | Not published | Signature |
|---|---|---|
| Card type | American Express | Visa |
| Credit rating | Not published | Not published |
| Rewards program | Singapore Airlines KrisFlyer | Maybank TREATS Points |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | Not published |
|---|---|---|
| Minimum income | Not specified | S$30,000 p.a. |
| Residency | Singapore citizens or PRs, or expatriates holding an Employment Pass (documents-required sheet) | Singapore citizen or PR (S$30,000 a year); Malaysian citizen in employment for at least 1 year (S$45,000); other foreigner in employment for at least 1 year (S$60,000) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 22 daysHighest | Up to 20 days |
|---|---|---|
| Minimum repayment | 3% of the outstanding balance plus overdue minimum payments, late payment charges and any amount over the credit limit, or S$50, whichever is greater | 3% of the outstanding balance or S$20, whichever is higher, plus any amount past due from previous statements; for accounts over the limit, 3% of the credit limit plus the excess |
Rates & fees
Ongoing interest rates
| Purchases | 27.80% p.a.Lowest | 27.90% p.a. |
|---|---|---|
| Cash advances | 26.90% p.a.Lowest | 28.50% p.a. |
Fees
| Annual fee | No annual feeLowest | S$196.20 p.a. |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$54.50 | S$0Lowest |
| Cash advance fee | 5% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1.1 pts per S$1 | 3 pts per S$1 |
|---|---|---|
| Bonus categories | 2 pts per S$1 in bonus categories | 7 pts per S$1 in bonus categories |
| Other purchases | None | None |
| Overseas spend | None | 7 pts per S$1 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | TREATS Points expire one year from the quarterly period in which they were earned; for Rewards Infinite members (enrolled with S$24,000 of spend on eligible cards in the preceding 12 months) they do not expire while the membership lasts |
| Estimated annual points | 55,600 ptsWorth S$834 | 108,000 ptsWorth S$648Highest |
Sign-up bonus
| Sign-up bonus | 16,000 points | — |
|---|---|---|
| Bonus spend required | S$2,000 within the first 3 months of card approval (new to American Express; promotion 17 June 2026 to 31 January 2027) | — |
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- American ExpressMaybank