American Express Singapore Airlines KrisFlyer Ascend Credit Card

The basics

• Additional cardholders. You can apply to add supplementary cardholders at a fee of $81 p.a. per card. Note that any KrisFlyer Miles earned will accumulate under the primary cardholder's account.
• Digital wallets. Works with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. American Express prohibits this card from making any gambling-related purchases.

Rewards and benefits

• Complimentary travel insurance. The American Express Singapore Airlines KrisFlyer Ascend Credit Card offers complimentary international travel insurance. To benefit, the card must have been used to pay for travel costs related to the trip and activate the cover before departure. Eligibility criteria apply.
• Concierge services. Comes with access to the American Express Global Concierge service, which is available 24/7 and can assist with arranging travel bookings, restaurant reservations, gift deliveries, appointment bookings, and more.
• Insurances. This card comes with fraud protection, but no other insurance coverage (apart from the aforementioned travel insurance policy).
• Rewards points. Earn up to 3.2 KrisFlyer Miles per $1 spent on eligible purchases made in Singapore with no limit on how many Miles can be earned each month or year. It's possible to earn uncapped KrisFlyer Miles at accelerated rates when spending overseas, for transactions with Grab, Singapore Airlines, and KrisShop.
• Sign-up bonus. American Express offers a sign-up bonus of up to 38,000 KrisFlyer Miles. Receive 31,800 miles with annual fee payment and a minimum overseas spend of S$1,000 within the first month, or 27,800 miles with the same local spending requirement. Plus, get an extra 5,000 miles on your first charge (for new Singapore Airlines Credit Card applicants) and 1,200 miles for every S$1,000 spent (at 1.2 miles per S$1). Available to new American Express Card Members. Terms and Conditions apply.
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Rates and fees

• Annual fee. The ongoing annual fee for this card is $397.85 p.a. That's similar to other platinum-level cards in Singapore.
• Balance transfers. Currently, there is no balance transfer offer for this card.
• Cash advances. A 26.90% p.a. interest rate will apply to cash advances, with interest accruing immediately from the transaction date. Additionally, there is a 5% fee on any cash advances.
• Foreign exchange fee. Purchases made overseas or with online stores based overseas will incur a 2.95% foreign transaction fee.
• Interest-free period. Enjoy up to 22 days interest-free on purchases when you pay your balance in full or make a minimum required payment.
• Purchases. Since there is no introductory offer on purchases, the ongoing rate of 26.90% p.a. will apply. This rate is typical of credit cards in Singapore.