Credit Card Compare

American Express Singapore Airlines KrisFlyer Credit Card

Data last updated 7 October 2026
27.80%
Purchase rate
S$0
Annual fee
16,000
Bonus points
Application

CardIQ

47Fair

Fair

Overall score, out of 100 · How this works

  • No annual fee42
  • Rewards51

Customer reviews

No reviews yet. Be the first to review the American Express Singapore Airlines KrisFlyer Credit Card.

Pros & cons

What's good

  • 16,000 bonus points to start, worth around S$240 at our 1.5c-per-point valuation.
  • No annual fee.
  • Complimentary travel insurance.
  • Earns 2 points per S$1 on bonus categories.

Worth noting

  • The annual fee increases from S$0 to S$180 in the second year.
  • Earns 1.1 points per S$1 on everyday spend, around the dataset average.
  • The 2-point rate on bonus categories applies only to the first S$200 spent each month, then drops to a lower rate.
  • 3.25% foreign transaction fee on overseas spending, at the high end of the market.

Card details

The basics

Additional cardholder fee
S$54.50 p.a.
Card tier
Not published
Card type
American Express
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Singapore Airlines KrisFlyer

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
Not specified
Residency
Singapore citizens or PRs, or expatriates holding an Employment Pass (documents-required sheet)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
26.90% p.a.
Purchases
27.80% p.a.

Fees

Additional cardholder fee
S$54.50
Annual fee
No annual fee
Annual fee (year 2+)
S$179.85 p.a.
Cash advance fee
5% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100

Repayments

Interest-free period
Up to 22 days on purchases
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

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1.1 pts per S$1
Bonus categories
2 pts per S$1 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

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)
Sign-up bonus
16,000 points

Where these points could take you

Denpasar
Flying Singapore Airlines via Singapore, using KrisFlyer points. Economy 30,500 pts.
Singapore
Flying Singapore Airlines non-stop, using KrisFlyer points. Economy 29,000 pts, Premium Economy 53,500 pts.
Tokyo
Flying Singapore Airlines via Singapore, using KrisFlyer points. Economy 44,500 pts.

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeS$180 a yearTop 25% (2nd of 10 cards)
Overseas fee3.25%Top 25% (2nd of 10 cards)
Purchase rate27.80%Top 25% (3rd of 10 cards)
Interest-free days22 daysMiddle of the market (5th of 8 cards)
Rewards valueS$594 a yearMiddle of the market (4th of 6 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the American Express Singapore Airlines KrisFlyer Credit Card against every other card in its category.

KrisFlyerRewardsView all →

Questions and answers

No questions yet. Ask the first one about American Express Singapore Airlines KrisFlyer Credit Card.

Sources

Credit Card Compare
How CardIQ scores cards
Issuer
American Express