BestCreditCards.sg's Review of The American Express® Singapore Airlines KrisFlyer Ascend Credit Card
|Highlights||Credit Card Feature|
|Things We Like||Earn miles on all your spending and free airport lounge access|
|Our Least Favourite||You only earn higher miles on select SQ flights|
|Our Verdict||Great card with lots of travel perks for SQ fans looking to earn KrisFlyer Miles|
- Earn 1.2 KrisFlyer miles for every S$1 spent on all your eligible purchases with your Card
- Earn 2 KrisFlyer miles for every S$1 spent on eligible purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), with no cap.
- Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
- Earn 3.2 KrisFlyer miles for every S$1 spent on Grab rides, up to S$200 each calendar month
- Enjoy a complimentary night stay each year at one of over 110 Hilton Properties in Asia Pacific
- Enjoy four complimentary lounge access passes to any participating SATS Premier and Plaza Premium Lounge each year
- Enjoy accelerated upgrade to KrisFlyer Elite Gold membership tier
- Enhanced Travel Inconvenience & Travel Accident Benefits
- Emergency Card Replacement
- Receive 7,500 KrisFlyer miles when you successfully refer a friend. Your friend receives 7,500 KrisFlyer miles upon spend of S$50 in the first 3 months of Card Membership. Visit amex.co/referfriends for more details.
- Annual Fee
Annual Fee of S$337.50
- Minimum Income
Minimum income requirement of S$50,000 p.a. for Singapore Citizens and Residents; S$60,000 p.a. for Expatriates
- Standard Interest p.a.
Amex KrisFlyer Ascend Card is a credit card that lets you earn actual KrisFlyer miles fast on selected Singapore Airlines and KrisShop purchases, and also earn miles on your other spending so that you can accumulate miles for a free air ticket. You'll get a 5,000 KrisFlyer miles bonus for the first time you charge to your Card.
There are only a few credit cards on the market that let you earn actual KrisFlyer miles. Most cards give you some sort of points that you have to convert to KrisFlyer miles, but not this card. The thing I like most about The American Express® Singapore Airlines KrisFlyer Ascend Credit Card is that you can get complimentary airport lounge access!
Before you apply for the KrisFlyer Ascend credit card, let's take a closer look at its pros and cons in this KrisFlyer Ascend review.
Things We Like About The American Express® Singapore Airlines KrisFlyer Ascend Credit Card
Earn higher miles for Singapore Airlines bookings. You can earn 2 KrisFlyer miles for every $1 spent on selected Singapore Airlines tickets that you buy at singaporeair.com, and purchases you make at KrisShop and at SilkAir SkyShop in-flight or online. That's quite a fast way to earn miles, even compared to other KrisFlyer credit cards. Of course this will benefit you most if you already do a lot of flying with Singapore Airlines.
Earn miles on all your spending. You earn 1.2 KrisFlyer miles for every $1 spent on eligible purchases. And if you spend during June and December you can earn 2 KrisFlyer miles for every $1 equivalent in foreign currency spent overseas on eligible purchases.
No conversion fee. Your KrisFlyer miles are transferred to your KrisFlyer account directly. You don't need to pay conversion fees or any additional charges! And you don't need to wait around for several weeks while your bank processes the conversion. Many other air miles credit cards, (UOB PRVI Miles Visa Card and Citi PremierMiles Card for example), charge you an admin fee, usually around $25 each time you redeem your points for air miles.
Accelerated upgrade to KrisFlyer Elite Gold membership tier. Spend above $15,000 on your Card at singaporeair.com within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold Membership tier.
Benefits of Elite Gold Membership:
- Additional 20kg check-in allowance
- KrisFlyer Gold Lounge access at Changi Airport and access >900 Star Alliance Gold Lounges worldwide
- Priority airport check-in
- Priority baggage handling
- Priority boarding for Economy Class
Complimentary night stay each year at one of over 110 Hilton Properties in Asia Pacific. In addition, you will also receive a complimentary upgrade to Hilton Honors Silver membership tier.
Enjoy American Express Travel Service. American Express Travel Service has over 2200 locations in over 140 countries and territories, including Singapore. Should you need any assistance with your travel, just drop by any of these offices. This can help you save time and sort out problems.
Get exclusive Hertz car rental privileges worldwide. You will enjoy Hertz Gold Plus Rewards loyalty programme at over 8500 participating locations across 150 countries with this card. Some of the many exclusive benefits include:
- Discounts on published rates for car rentals (including Hertz collections like the Family Collection, Fun Collection, Green Collection and Prestige Collection).
- If you rent standard vehicles for 5 or more consecutive days, you can enjoy one vehicle class upgrade for free. This benefit is subject to availability.
- The additional driver's rental fee is waived, so you won't have to pay if you and your spouse or friend plan to share the car.
Complimentary travel insurance. When you charge the full fare of the travel tickets to this card, you will enjoy complimentary travel accident insurance coverage of up to $1 million. Additionally, you will enjoy travel inconvenience insurance which covers baggage delays, extended baggage delays and flight delays.
Emergency card replacement. You will enjoy emergency card replacement service. This perk can save you a lot of trouble if you lose your card while travelling abroad. In the case that your card is lost or stolen, you could get a replacement usually within one business day, in most countries. Just make a toll-free call to order your new card.
Travel assistance services. Call this service to receive referrals to Amex approved medical or legal services. Simply call the Global Assist number on the back of your card. This isn't a full medical and legal service, but just a referral service that can help you find services you need. For example, you can get a recommendation to a doctor who speaks your language while travelling overseas.
Our Least Favourite Things About The American Express® Singapore Airlines KrisFlyer Ascend Credit Card
Minimum annual income of $50K required. If you are a Singaporean or PR and make more than $50K a year, this card is hands down the best KrisFlyer card for you. But if you make less than that, The American Express® Singapore Airlines KrisFlyer Credit Card is the next best KrisFlyer card as it only requires a minimum annual income of $30K. Expats in Singapore need a minimum annual income of $60K for both the Ascend and regular KrisFlyer cards though.
$337.50 annual fee. You'll have to pay this fee every year.
You only earn higher miles on select SQ flights. You will not earn higher miles on every flight you book on Singapore Airlines. Check with Singapore Airlines when booking to make sure you earn the higher KrisFlyer miles for your booking.
The American Express® Singapore Airlines KrisFlyer Ascend Credit Card is a good credit card to get, even when compared to other KrisFlyer credit cards offered by Amex. You earn 1.2 KrisFlyer miles for every $1 spent on retail purchases, which is a slightly better rate than what you get with The American Express® Singapore Airlines KrisFlyer Credit Card. You can also earn higher miles on your ticket bookings with certain SQ and SilkAir flights, and when you shop at KrisShop in-flight or online.
The best part is, there's no conversion fee and no waiting. The miles you earn are real KrisFlyer miles, right in your KrisFlyer account.
If you take into account the complimentary travel insurance, airport lounge access and other travel privileges that comes with this card, The American Express® Singapore Airlines KrisFlyer Ascend Credit Card offers a lot to someone who likes flying on SQ and can meet the minimum annual income requirement of $50K (for Singaporeans and PRs) or $60K (for Expats).
If you don't meet the minimum income requirement, or would prefer to pay a lower card fee, The American Express® Singapore Airlines KrisFlyer Credit Card is a good alternative. Even though you earn a slightly lower rate of KrisFlyer miles (1.1 KrisFlyer miles for every $1 spent), you also pay a much lower $176.55 annual fee (waived the first year), compared to the $337.50 annual fee you pay for The American Express® Singapore Airlines KrisFlyer Ascend Credit Card.See more American Express credit cards.