KrisFlyer UOB Credit Card — Up to 3 mpd on Travel
KrisFlyer UOB Credit Card earns up to 3 mpd on singapore airlines group (sia, scoot, krisshop, kris+, pelago), up to 2.4 mpd on dining & food delivery, up to 2.4 mpd on online shopping, up to 2.4 mpd on transport, and up to 2.4 mpd on online travel — 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 |
|---|---|---|
| Dining & Food Delivery | 2.4 mpd | 720 |
| Online Shopping | 2.4 mpd | 1,440 |
| All other categories (base rate) | 1.2 mpd | 1,440 |
| Monthly miles | 3,600 | |
| Annual miles | 43,200 | |
Get 5,000 KrisFlyer Welcome Miles when you make a single transaction of at least S$5
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Only new first-time applicants of the KrisFlyer UOB Credit Card approved as Cardmembers are eligible. Existing Cardmembers, Cardmembers who have previously been awarded the Welcome Miles, and former Cardmembers who have cancelled their KrisFlyer UOB Credit Card are not eligible. Welcome Miles are credited to the linked KrisFlyer membership account in the month following the qualifying transaction.
The information above is a summary and may be incomplete or outdated. Always refer to UOB'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- •3 mpd on Singapore Airlines Group (SIA, Scoot, KrisShop, Kris+, Pelago) — Spend on Singapore Airlines, Scoot, KrisShop, Kris+ app transactions, and Pelago
- •2.4 mpd on 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.
- •2.4 mpd on Online Shopping — Online fashion and retail merchants. Requires S$1,000 annual SIA Group spend.
- •2.4 mpd on Transport — Local public bus, trains, taxis and ride-hailing. Requires S$1,000 annual SIA Group spend.
- •2.4 mpd on Online Travel — Transactions at Agoda, Airbnb, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com via official websites or apps. Requires S$1,000 annual SIA Group spend.
- •1.2 mpd base rate on other eligible spend
- •Uncapped — no monthly cap on total miles earned
- •Annual fee: S$196.20 (First year waived. 10,000 KrisFlyer miles awarded upon payment of annual renewal fee.)
- Scoot Privileges
Enjoy complimentary BoardMeFirst (priority check-in and boarding), preferred/standard seat selection, and a 5kg baggage upgrade on Scoot flights.
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Payment must be made with the card through the dedicated site. Baggage upgrade requires purchasing a minimum of 20kg baggage fare bundle at the initial point of purchase.
- KrisShop Discount
Get S$30 off regular-priced items on KrisShop purchases with a minimum spend of S$180 nett.
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Limit of once per calendar year. Brand exclusions apply. Promo code KFUOBSG30, valid 1 July 2026 to 31 December 2026.
- Pelago Bonus Miles
Earn 600 bonus KrisFlyer miles when you spend at least S$300 on Pelago experiences in a calendar month.
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Must be paid directly with the card (not via Apple Pay/Google Pay) and the booked experience must be completed. Available 1 July 2026 to 31 December 2026.
- Grab Airport Rides
Receive two S$15 Grab promotion codes per calendar year for rides to or from Changi Airport.
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Redeemable once per half-year. Limited to the first 1,000 redemptions per month.
- ChangiWiFi Discount
Receive two S$15 ChangiWiFi e-cash redemption codes per calendar year.
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Redeemable once per half-year. Limited to the first 1,000 redemptions per month.
- Annual Renewal Bonus Miles
Earn 10,000 KrisFlyer miles when the full annual fee is posted and paid.
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Miles will be reversed if the annual fee payment is subsequently reversed.
- Complimentary Travel Insurance
Enjoy travel personal accident insurance of up to S$500,000 and emergency medical evacuation of up to S$50,000.
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Must charge the entire public conveyance fare to the card prior to departure.
- Annual fee
- S$196.20First year waived. 10,000 KrisFlyer miles awarded upon payment of annual renewal fee.
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28.5%
- Cash advance service charge
- S$15 or 8% of amount withdrawn, whichever is greater
- Minimum payment
- 3% of current balance or S$50, whichever is higher, plus any overdue amounts
- Interest-free period
- 21 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$40,000
- Minimum age: 21
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Singaporean/PR aged 56 and above: minimum annual income of S$15,000. Fixed Deposit collateral of minimum S$10,000 accepted. Non-Singaporean minimum income S$40,000 or Fixed Deposit collateral of minimum S$10,000.
- •Earns 3 miles per dollar (mpd) on Singapore Airlines Group spend, including SIA, Scoot, KrisShop, Kris+, and Pelago.
- •Earns 2.4 mpd on dining, online shopping, transport, and online travel platforms when the S$1,000 annual SIA Group spend threshold is met.
- •The first-year annual fee of S$196.20 is waived.
- •10,000 KrisFlyer miles are awarded upon payment of the annual renewal fee from the second year onward.
- •Complimentary travel personal accident insurance of up to S$500,000 and emergency medical evacuation coverage of up to S$50,000 are included.
- •The accelerated 2.4 mpd rate on dining, online shopping, transport, and online travel categories requires a minimum S$1,000 annual SIA Group spend; without it, only the base rate of 1.2 mpd applies.
- •The KrisShop S$30 discount perk is limited to once per calendar year and is subject to brand exclusions.
- •A broad range of merchant categories are excluded from miles earning, including utilities (MCC 4900), hospitals (MCC 8062), educational institutions, government services, and numerous quasi-cash and financial transaction types.
- •Complimentary travel insurance coverage requires the entire public conveyance fare to be charged to the card prior to departure.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the KrisFlyer UOB Credit Card.
- •NETS and NETS-related transactions
- •0% Instalment Payment Plans
- •SmartPay
- •Personal loans
- •Balance/funds transfers
- •Cash advances
- •Fees, interests, finance charges, late payment charges, annual fee charges
- •Amounts approved under the UOB Payment Facility and any associated fees or charges
- •Reversals
- •Top-ups of any pre-paid card
- •Brokerage / securities transactions
- •Gambling related transactions
- •Trading transactions (including websites for trading of shares and cryptocurrency)
- •Other financial charges
- •Wire Transfer / Remittance (MCC 4829)
- •Utilities (MCC 4900)
- •Nondurable Goods (MCC 5199)
- •Direct Marketing – Insurance Services (MCC 5960)
- •Direct marketing – Combination Catalog and Retail Merchants (MCC 5965)
- •Cigar Stores and Stands (MCC 5993)
- •Member Financial Institution – Merchandise and Services (MCC 6012)
- •Quasi Cash – Financial Institutions (MCC 6050)
- •Quasi Cash – Merchant (MCC 6051)
- •Securities – Brokers and Dealers (MCC 6211)
- •Insurance Sales / Underwrite (MCC 6300)
- •Insurance (MCC 6399)
- •Real Estate Agents & Managers – Rentals (MCC 6513)
- •Quasi Cash – Remote Stored Value Load (MCC 6529, 6530, 6534)
- •Stored Value Card Purchase/Load (MCC 6540)
- •Clean/Maint/Janitorial Serv (MCC 7349)
- •Quasi Cash – Truck Stop (MCC 7511)
- •Automobile Parking Lots and Garages (MCC 7523)
- •Gambling – Betting (MCC 7995)
- •Hospitals (MCC 8062)
- •Doctors (MCC 8011)
- •Health Practitioners, Medical Services (MCC 8099)
- •Schools, Elementary and Secondary (MCC 8211)
- •Colleges, Universities (MCC 8220)
- •Schools, Correspondence (MCC 8241)
- •Schools, Business and Secretarial (MCC 8244)
- •Schools, Trade and Vocational (MCC 8249)
- •Schools and Educational Services (MCC 8299)
- •Organizations, Charitable and Social Service (MCC 8398)
- •Organizations, Political (MCC 8651)
- •Organizations, Religious (MCC 8661)
- •Membership Organizations (MCC 8699)
- •Professional Services (MCC 8999)
- •Court Costs including Alimony and Child Support (MCC 9211)
- •Fines (MCC 9222)
- •Bail and Bond Payments (MCC 9223)
- •Tax Payment (MCC 9311)
- •Government Services (MCC 9399)
- •Postal Services – Government Only (MCC 9402)
- •Intra-Government Purchases (MCC 9405)
- •Transactions at UOB$ merchants
- •Transactions at SPC Service Stations
- •AXS transactions
- •AMAZE transactions
- •EZ-Link transactions
- •NETS VCASHCARD transactions
- •YOUTRIP transactions
- •IPAYMY transactions
- •RWS-LEVY transactions
- •SMOOVE PAY transactions
- •SINGPOST-SAM transactions
- •RazerPay transactions
The information above is a summary and may be incomplete or outdated. Always refer to UOB's official terms and conditions for the authoritative version.
About the KrisFlyer UOB Credit Card
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, with a 1.2 mpd base rate on other eligible spend. The annual fee is S$196.20 (First year waived. 10,000 KrisFlyer miles awarded upon payment of annual renewal fee.). Terms and conditions apply.
Miles breakdown
The KrisFlyer UOB Credit Card earns 3 mpd on singapore airlines group (sia, scoot, krisshop, kris+, pelago), 2.4 mpd on dining & food delivery, 2.4 mpd on online shopping, 2.4 mpd on transport, and 2.4 mpd on online travel, plus 1.2 mpd on other eligible spend.
Where this card earns the most
The KrisFlyer UOB Credit Card earns the most on singapore airlines group (sia, scoot, krisshop, kris+, pelago), dining & food delivery, and online shopping. 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 KrisFlyer UOB Credit Card worth it?
The KrisFlyer UOB Credit Card earns 1.2 mpd on general spend and up to 3 mpd on travel and 2.4 mpd on dining, with a S$196.20 annual fee (First year waived. 10,000 KrisFlyer miles awarded upon payment of annual renewal fee). Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the KrisFlyer UOB Credit Card for?
The KrisFlyer UOB Credit Card suits frequent diners, online shoppers, and daily commuters — it earns 2.4 mpd on dining, 2.4 mpd on shopping & online, and 2.4 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 KrisFlyer UOB Credit Card earn?
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, with 1.2 mpd on other eligible spend.
What is the annual fee?
S$196.20, First year waived. 10,000 KrisFlyer miles awarded upon payment of annual renewal fee..
How does miles redemption work?
The KrisFlyer UOB Credit Card credits miles directly to your KrisFlyer account. KrisFlyer miles can be redeemed for award flights on Singapore Airlines and Star Alliance partners.
Do miles from the KrisFlyer UOB Credit Card expire?
Yes. Miles earned on the KrisFlyer UOB Credit Card are valid for 36 months from the date they are credited, after which they expire. Redeeming or transferring them before that window closes preserves their value. Terms and conditions apply.
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.
UOB governing terms: Official terms (PDF)