American Express Singapore Airlines KrisFlyer Ascend Credit Card — Up to 4 Lounge Accesses per Year
American Express Singapore Airlines KrisFlyer Ascend Credit Card earns up to 2 mpd on singapore airlines, scoot, krisshop & pelago and up to 2 mpd on taxi — and up to 1.2 mpd on everyday spend. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 1 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| All other categories (base rate) | 1.2 mpd | 2,520 |
| Monthly miles | 2,520 | |
| Annual miles | 30,240 | |
Receive 20,000 KrisFlyer miles with annual fee payment and min. spend of S$8,000 within the first 6 months of Card approval. Plus 20,000 bonus KrisFlyer miles on your first spend in the 15th month of Card Membership For first-time Singapore Airlines Credit Card applicants, receive 5,000 bonus KrisFlyer miles for the very first charge on your Card.
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New to American Express Card Members refer to applicants who have not held a basic or supplementary consumer Card from American Express in the last twenty-four (24) months.
The information above is a summary and may be incomplete or outdated. Always refer to American Express's official terms and conditions for the authoritative version.
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Existing American Express Card Members - Receive up to 25,000 KrisFlyer miles – 10,000 bonus KrisFlyer miles with annual fee payment and min. spending of S$8,000 within first 6 months of Card approval, plus 10,000 bonus KrisFlyer miles on your first spend in the 15th month of Card Membership. For first-time Singapore Airlines Credit Card applicants, receive 5,000 bonus KrisFlyer miles for the very first charge on your Card.
The information above is a summary and may be incomplete or outdated. Always refer to American Express's official terms and conditions for the authoritative version.
Terms and conditionsopen_in_new
Applyopen_in_newEarning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •2 mpd on Singapore Airlines, Scoot, KrisShop & Pelago — Singapore Airlines and Scoot flight bookings, KrisShop and Pelago purchases.
- •2 mpd on Taxi (capped at 400 mi/mo) — Grab Singapore transactions.
- •1.2 mpd base rate on other eligible spend
- •Uncapped — no monthly cap on total miles earned
- •Annual fee: S$397.85 (No fee waiver available.)
- KrisFlyer Elite Gold Accelerated Upgrade
Spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months upon Card approval to be automatically upgraded to KrisFlyer Elite Gold membership tier, which includes additional 20kg check-in allowance, worldwide SilverKris Lounge and Star Alliance Lounge access, KrisFlyer Gold Lounge access at Changi Airport, priority baggage handling, priority check-in, and priority boarding.
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Must spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months of Card approval.
- Foreign Spend Miles Redemption Voucher (18,000 KrisFlyer miles)
Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when spending the equivalent of S$10,000 or more in foreign currency between 1 November 2025 and 31 October 2026. The voucher provides a one-off 18,000 KrisFlyer miles discount on an eligible redemption booking.
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Spend equivalent of S$10,000 or more in foreign currency within the qualifying period (1 November 2025 to 31 October 2026).
- Renewal Miles Redemption Voucher (10,000 KrisFlyer miles)
Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year. The voucher provides a one-off 10,000 KrisFlyer miles discount on an eligible redemption booking.
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Triggered upon payment of the renewal annual membership fee each year.
- Complimentary One Night Stay at Hilton Properties
Complimentary one night stay at participating Hilton properties in Asia Pacific each year, plus complimentary upgrade to Hilton Honors Silver status.
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Valid at participating Hilton properties in Asia Pacific. Details available on the American Express website.
- Travel Accident & Travel Inconvenience Insurance
Travel accident insurance up to S$1 million plus Travel Inconvenience & Travel Accident Benefits covering baggage delay, extended baggage delay, and flight delay when travel tickets are purchased with the Card.
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Travel tickets must be purchased with the Card. Subject to full Terms and Conditions.
- Hertz Gold Plus Rewards Privileges
Hertz Gold Plus Rewards loyalty programme membership and exclusive benefits at over 10,000 locations in 145 countries: up to 10% off worldwide rentals, one-car-class upgrade (subject to availability), and one additional driver added for free.
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Subject to availability and Hertz terms and conditions.
- 24-Hour Customer Care and Global Assist
24/7 Customer Care Professional support and Global Assist for queries and emergencies when travelling overseas.
- Emergency Card Replacement
Emergency Card Replacement within one business day, virtually anywhere in the world.
- Complete Fraud Protection Guarantee
American Express will not hold the cardholder responsible for any unauthorised charges on the Credit Card, both online and offline.
- Annual fee
- S$397.85No fee waiver available.
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 26.9%
- Minimum payment
- S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount
- Interest-free period
- 22 days
- Min. income (Singapore Citizen / PR): S$0
- Minimum age: 21
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Card application is subject to customers meeting the regulatory minimum income requirement and internal assessment.
- •Spending S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months of card approval triggers an automatic upgrade to KrisFlyer Elite Gold membership, which includes benefits such as additional 20kg check-in allowance, SilverKris and Star Alliance Lounge access, priority baggage handling, priority check-in, and priority boarding.
- •Cardholders who spend the equivalent of S$10,000 or more in foreign currency within the qualifying period receive a Foreign Spend Miles Redemption Voucher providing a one-off 18,000 KrisFlyer miles discount on an eligible redemption booking.
- •Upon payment of the renewal annual membership fee each year, cardholders receive a Renewal Miles Redemption Voucher providing a one-off 10,000 KrisFlyer miles discount on an eligible redemption booking.
- •Cardholders receive a complimentary one-night stay at participating Hilton properties in Asia Pacific each year, along with complimentary upgrade to Hilton Honors Silver status.
- •Purchases at Singapore Airlines, Scoot, KrisShop, and Pelago earn 2 miles per dollar (mpd), compared to the base earn rate of 1.2 mpd.
- •The annual fee of S$397.85 is mandatory with no fee waiver available.
- •The elevated earn rate of 2 mpd on Grab transactions is capped at 400 miles per month.
- •A wide range of transaction categories do not earn miles, including cash advances, balance transfers, instalment plans, bill payments via SingPost, payments to utilities merchants, public transit payments, insurance company payments (except through authorised AMEX channels), and top-ups of digital wallets such as GrabPay and ShopeePay.
- •The foreign currency transaction fee is 3.25% of the transaction amount.
- •The interest-free period is only 22 days, and the purchase interest rate is 27.8% per annum.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
- •Charges processed and billed prior to the Enrolment Date or charges prepaid on any Card Account prior to the first billing statement for that Card Account following the Enrolment Date
- •Cash Advance and other cash services
- •Express Cash
- •American Express Travellers Cheque purchases
- •Charges for dishonoured cheques
- •Finance charges – including Line of Credit charges and Credit Card interest charges
- •Late Payment and collection charges
- •Tax refunds from overseas purchases
- •Balance Transfers
- •Instalment plans
- •Annual Card fees
- •Amount billed for purchase of KrisFlyer miles to top-up your miles balance
- •Bill payments and all transactions via SingPost (e.g. SAM kiosks, mobile app, online portal)
- •Payments to insurance companies (except payments made for insurance products purchased through American Express authorized channel)
- •Payments to Singapore Petroleum Company Limited (SPC) service stations
- •Payments for public transit in Singapore, including transactions on public trains and buses, and all transactions bearing the merchant description "BUS/MRT"
- •Payments for the purpose of stored value card purchase / load / top-ups and/or the topping-up or loading of currency (or equivalent) for digital wallets, including but not limited to GrabPay and ShopeePay (with effect from 30 September 2025)
- •Payments to utilities merchants
- •Payments to public/restructured hospitals, polyclinics and other public/restructured healthcare institutions and facilities
- •Transactions relating to education and other non-profit purposes (including charitable donations)
- •Charges at merchants or establishments that are excluded by American Express at its sole discretion and notified by American Express to you from time to time.
The information above is a summary and may be incomplete or outdated. Always refer to American Express's official terms and conditions for the authoritative version.
About the American Express Singapore Airlines KrisFlyer Ascend Credit Card
The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns 2 mpd on singapore airlines, scoot, krisshop & pelago and 2 mpd on taxi, with a 1.2 mpd base rate on other eligible spend. The annual fee is S$397.85 (No fee waiver available.). Terms and conditions apply.
Miles breakdown
The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns 2 mpd on singapore airlines, scoot, krisshop & pelago and 2 mpd on taxi (up to 400 miles/month), plus 1.2 mpd on other eligible spend.
Where this card earns the most
The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns the most on singapore airlines, scoot, krisshop & pelago and taxi. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
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Frequently asked questions
Is the American Express Singapore Airlines KrisFlyer Ascend Credit Card worth it?
The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns 1.2 mpd on general spend and up to 2 mpd on transport and 2 mpd on travel, with a S$397.85 annual fee (No fee waiver available). Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the American Express Singapore Airlines KrisFlyer Ascend Credit Card for?
The American Express Singapore Airlines KrisFlyer Ascend Credit Card suits daily commuters — it earns 2 mpd on transport. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with travel insurance.
How many miles does the American Express Singapore Airlines KrisFlyer Ascend Credit Card earn?
The American Express Singapore Airlines KrisFlyer Ascend Credit Card earns 2 mpd on singapore airlines, scoot, krisshop & pelago and 2 mpd on taxi, with 1.2 mpd on other eligible spend.
Are there earning caps?
Yes — bonus miles are capped per category: taxi at 400 miles/mo. Spend beyond the implied cap earns the base 1.2 mpd instead.
What is the annual fee?
S$397.85, No fee waiver available..
How does miles redemption work?
The American Express Singapore Airlines KrisFlyer Ascend Credit Card credits miles directly to your KrisFlyer account. KrisFlyer miles can be redeemed for award flights on Singapore Airlines and Star Alliance partners.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 1 Jul 2026, not guarantees of future earning. Terms and conditions apply.
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.
American Express governing terms: Official terms (PDF)