American Express Singapore Airlines KrisFlyer Ascend Credit Card
Apply by 28 February 2024

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Highlights

  • Receive up to 34,000 KrisFlyer miles points. Get 5,000 KrisFlyer miles for the very first charge on card, receive a welcome offer of 25,400 KrisFlyer miles points upon annual fee payment and a minimum spend of S$3,000 within the first 3 months of card approval, and 3,600 KrisFlyer miles based on the S$3,000 spent. Terms and Conditions apply.
  • Get a complimentary one-night stay at Hilton Properties in the Asia Pacific and 4 complimentary lounge access passes each year with exclusive Hertz privileges worldwide.
  • Accelerated upgrade to KrisFlyer Elite Gold Membership with a minimum spend of $15,000 on singaporeair.com within the first 12 months of card approval. This comes with an additional 20kg baggage allowance and other priority privileges.

Pros and cons

Pros

  • Enjoy an accelerated upgrade to KrisFlyer Elite Gold membership with a minimum spend of $15,000 on SIA within 12 months of getting your card.
  • Enjoy Double KrisFlyer Miles Accrual Voucher (capped at 5,000 bonus KrisFlyer Miles) with min. spend of S$15,000 on Singapore Airlines from 1 July 2023 to 30 June 2024.
  • On top of 1.2 KrisFlyer Miles per 1$ on local spend, you can earn KrisFlyer Miles at accelerated rates when spending overseas, for transactions with Grab, Singapore Airlines, and KrisShop.
  • Includes travel inconvenience and travel accident benefits.
  • Annual supplementary card fee is waived in the first year.

Cons

  • Min annual income of $50,000 for citizens/PRs and $60,000 for foreigners.
  • The annual fee is $340.20 (inclusive of 8% GST)
  • Free travel insurance only when your air ticket is charged to your card.
  • Supplementary cards have a fee of $81 p.a. second year onwards.
  • Late payment fee is $100.

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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 34,000 KrisFlyer Miles. Get 5,000 KrisFlyer miles for the very first charge on the card, receive a welcome offer of 25,400 KrisFlyer miles points upon annual fee payment and a minimum spend of S$3,000 within the first 3 months of card approval, and 3,600 KrisFlyer miles based on the S$3,000 spent. Terms and Conditions apply.

Rates and fees

  • Annual fee. The ongoing annual fee for this card is $340.20 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.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake

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