KrisFlyer UOB Credit Card vs American Express Singapore Airlines KrisFlyer Ascend Credit Card
A side-by-side comparison of two Singapore miles cards. Rates, caps and fees come from each issuer’s published terms; the simulator projects each card’s annual miles at the spend you enter.
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At S$2,100/mo entered, the KrisFlyer UOB Credit Card projects the higher annual miles figure — a difference of 12,960 mi.
Figures update as you change your spending. They are projections from your inputs and each issuer’s published rates — not a promise of returns. Open the detailed breakdown below to see each card’s per-category working, side by side.
Only categories where one of the cards pays a bonus are listed. Each cell is the miles rate at that spend tier (the monthly-spend threshold) — rates above a card’s base rate are bold in the card’s colour, base rates are muted. Figures are ongoing, after any intro period; earn caps apply (see the conditions below).
KrisFlyer UOB Credit Card — Dining & Food Delivery · Includes eating places, restaurants, bars, fast food, and online food delivery (GrabFood, Deliveroo, Foodpanda). Requires S$1,000 annual SIA Group spend.
KrisFlyer UOB Credit Card — Online Shopping · Online fashion and retail merchants. Requires S$1,000 annual SIA Group spend.
KrisFlyer UOB Credit Card · Local public bus, trains, taxis and ride-hailing. Requires S$1,000 annual SIA Group spend.
American Express Singapore Airlines KrisFlyer Ascend Credit Card — Taxi · Grab Singapore transactions.
KrisFlyer UOB Credit Card — Singapore Airlines Group (SIA, Scoot, KrisShop, Kris+, Pelago) · Spend on Singapore Airlines, Scoot, KrisShop, Kris+ app transactions, and Pelago
American Express Singapore Airlines KrisFlyer Ascend Credit Card — Singapore Airlines, Scoot, KrisShop & Pelago · Singapore Airlines and Scoot flight bookings, KrisShop and Pelago purchases.
Every value is taken from each issuer’s published terms. A blank field shows as “—”. Earn caps are shown in the issuer’s native period — a quarterly cap is not converted to monthly.
See the full details for each card
KrisFlyer UOB Credit Card and American Express Singapore Airlines KrisFlyer Ascend Credit Card, compared
How the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card differ
On annual fee, the KrisFlyer UOB Credit Card’s annual fee is S$196.20, while the American Express Singapore Airlines KrisFlyer Ascend Credit Card’s annual fee is S$397.85. The KrisFlyer UOB Credit Card earns 3 mpd on Singapore Airlines Group (SIA, Scoot, KrisShop, Kris+, Pelago), 2.4 mpd on Dining & Food Delivery, and 2.4 mpd on Online Shopping, plus 1.2 mpd on other eligible spend. The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns 2 mpd on Singapore Airlines, Scoot, KrisShop & Pelago and 2 mpd on Taxi, plus 1.2 mpd on other eligible spend. On earn caps, the KrisFlyer UOB Credit Card is uncapped and the American Express Singapore Airlines KrisFlyer Ascend Credit Card is uncapped.
Where the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card pay different rates
The two cards diverge most on dining, where the KrisFlyer UOB Credit Card pays 2.4 mpd against the American Express Singapore Airlines KrisFlyer Ascend Credit Card’s 1.2 mpd. Category by category, on ongoing rates (introductory offers excluded): Dining: the KrisFlyer UOB Credit Card pays 2.4 mpd; the American Express Singapore Airlines KrisFlyer Ascend Credit Card pays 1.2 mpd. Shopping & online: the KrisFlyer UOB Credit Card pays 2.4 mpd; the American Express Singapore Airlines KrisFlyer Ascend Credit Card pays 1.2 mpd. Travel: the KrisFlyer UOB Credit Card pays 3 mpd; the American Express Singapore Airlines KrisFlyer Ascend Credit Card pays 2 mpd. Transport: the KrisFlyer UOB Credit Card pays 2.4 mpd; the American Express Singapore Airlines KrisFlyer Ascend Credit Card pays 2 mpd. Outside those categories both cards pay the same 1.2 mpd base rate.
Where the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card are alike
Both pay a bonus rate on travel and transport. Neither card caps the total miles earned each month. Both credit miles to KrisFlyer.
How the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card credit your miles
Both cards credit to KrisFlyer. On validity, the KrisFlyer UOB Credit Card’s expire 36 months after they are earned and the American Express Singapore Airlines KrisFlyer Ascend Credit Card publishes no expiry.
How the projection is calculated
The earnings section above projects each card’s annual miles from the category amounts you enter, using each issuer’s published rates and caps. Output depends only on the card data and your inputs — affiliate status never changes the figures or the order they appear in. You can simulate any spending mix to compare the two cards at your own profile.
Frequently asked questions
What is the difference between the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card?
The two cards diverge most on dining, where the KrisFlyer UOB Credit Card pays 2.4 mpd against the American Express Singapore Airlines KrisFlyer Ascend Credit Card’s 1.2 mpd. The KrisFlyer UOB Credit Card earns 3 mpd on Singapore Airlines Group (SIA, Scoot, KrisShop, Kris+, Pelago), 2.4 mpd on Dining & Food Delivery, and 2.4 mpd on Online Shopping, plus 1.2 mpd on other eligible spend. The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns 2 mpd on Singapore Airlines, Scoot, KrisShop & Pelago and 2 mpd on Taxi, plus 1.2 mpd on other eligible spend. On annual fee, the KrisFlyer UOB Credit Card’s annual fee is S$196.20, while the American Express Singapore Airlines KrisFlyer Ascend Credit Card’s annual fee is S$397.85.
Do the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card charge an annual fee?
The KrisFlyer UOB Credit Card: S$196.20 (First year waived. 10,000 KrisFlyer miles awarded upon payment of annual renewal fee.). The American Express Singapore Airlines KrisFlyer Ascend Credit Card: S$397.85 (No fee waiver available.).
Which card projects more miles for my spending?
It depends on your spending mix. The gap is widest on dining (2.4 mpd on the KrisFlyer UOB Credit Card against 1.2 mpd on the American Express Singapore Airlines KrisFlyer Ascend Credit Card), so how much of your spend lands there moves the projection most. The simulator above projects each card’s annual miles from the amounts you enter, and states which card projects higher at that spend. Change the inputs to compare at your own profile.
What are the earning caps on the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card?
On total miles, the KrisFlyer UOB Credit Card is uncapped and the American Express Singapore Airlines KrisFlyer Ascend Credit Card is uncapped.
What is the minimum income for the KrisFlyer UOB Credit Card and the American Express Singapore Airlines KrisFlyer Ascend Credit Card?
The KrisFlyer UOB Credit Card: S$30,000 (citizen/PR) · S$40,000 (foreigner). The American Express Singapore Airlines KrisFlyer Ascend Credit Card: No minimum. Eligibility also depends on each issuer’s own assessment; confirm current criteria with the issuer before applying.
Is this comparison affected by affiliate links?
No. The projected figures and the order of the two cards depend only on each card’s published data and the spending you enter; affiliate status never changes them. Card details are shown as of each issuer’s verification date — confirm current terms with the issuer before applying.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.