American Express Singapore Airlines KrisFlyer Credit Card

The basics

• Additional cardholders. Add supplementary cardholders at $54 p.a. This fee is waived in the first year. KrisFlyer Miles earned from the spending of any additional cardholders will accrue under the primary cardholder's account.
• Digital wallets. Add this card to Apple Pay, Google Pay, and Samsung Pay for a secure and convenient payment experience.
• Gambling transactions. Gambling-related transactions are not allowed on this card.

Rewards and benefits

• Complimentary travel insurance. This card offers complimentary international travel insurance. For coverage to be in effect, tickets must have been purchased with the card. Eligibility criteria and restrictions apply.
• Concierge services. Enjoy access to the Amex concierge service for help with travel bookings and reservations, shopping advice, price comparison, gift arrangements, and more. Available from anywhere in the world at any time of day or night.
• Insurances. Comes with fraud protection and the American Express Global Assist service.
• Rewards points. Earns 1.1 KrisFlyer Mile per $1 on all eligible purchases, increasing to 2 KrisFlyer Miles per S$1 equivalent in foreign currency spent overseas between June and December. Earn 3.1 KrisFlyer miles per $1 in Grab Singapore transactions up to $200 per calendar month. Miles earned will not expire as long as the account remains active. The list of transactions that are not eligible to earn KrisFlyer Miles is getting gradually longer, with GrabPay top-ups being on it.
• Sign up bonus. American Express offers a sign up bonus of 5,000 KrisFlyer Miles the first time you charge to your card, subject to conditions. The sign up bonus will be credited to your account 6-8 weeks after the qualifying purchase was charged.

Rates and fees

• Annual fee. This card has a $178.20 p.a. ongoing annual fee, but the fee for the first year is waived for both you and supplementary card members.
• Balance transfers. This card does not offer any balance transfer facility.
• Cash advances. All cash advances made with this card will be subject to an interest rate of 26.90% p.a. Interest will be applied immediately. Separately, American Express will charge a 5% cash advance fee.
• Foreign exchange fee. Any foreign currency purchases made overseas or online will incur a 2.95% fee.
• Interest-free period. Enjoy up to 22 days interest-free on purchases when you pay the balance in full or make the minimum required payment.
• Purchases. If you carry a balance over into the next statement period, it will attract interest at 26.90% p.a. This will quickly offset the rewards' value.