American Express Singapore Airlines KrisFlyer Ascend Credit Card

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Key Features

  • S$1 = 1.2 Miles
    Local Spend
  • S$1 = 2 Miles
    Overseas Spend
  • S$1 = 3.2 Miles
    on Eligible Grab transaction, capped at $200 per month

Promotion

Overseas Spending
  • For overseas transactions made in foreign currency in June and December, you can earn 2 KrisFlyer miles for every S$1 spent with no limit.
  • The foreign currency transaction fee is competitive at 2.95%.
Travel
  • Earn 1.2 KrisFlyer miles for every S$1 spent on eligible card purchases.
  • Enjoy a rate of 2 KrisFlyer miles for every S$1 spent on eligible purchases in foreign currency during June and December.
  • Earn 2 KrisFlyer miles for every S$1 spent on eligible purchases made through singaporeair.com, SingaporeAir mobile app, and KrisShop, with no cap on miles earned.
  • Earn 3.2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, with a monthly cap of S$200.
  • Get 5,000 KrisFlyer miles upon your first spend with the card, applicable only for first-time American Express Singapore Airlines Credit Card applicants.
  • Spend S$15,000 or more on eligible purchases on singaporeair.com within the qualifying period and receive a Double KrisFlyer Miles Accrual Voucher.
  • Spend S$15,000 or more on eligible purchases on singaporeair.com within the first 12 months of card approval and receive an accelerated upgrade to KrisFlyer Elite Gold Membership.
  • Get up to S$1 million in Travel Inconvenience & Travel Accident Benefits.
  • At LOANPANDA, we strive to keep our information accurate and up to date. However, the information may differ from what you see when you visit a financial institution, service provider, or specific product site. LOANPANDA will not be liable to compensate the customer if the information is not as updated as our partner’s.
0% Instalment
  • 0% interest instalment at participating Pay Small merchants

Other Features

  • Earn 1.2 KrisFlyer miles for every S$1 spent on eligible card purchases.
  • Enjoy a rate of 2 KrisFlyer miles for every S$1 spent on eligible purchases in foreign currency during June and December.
  • Earn 2 KrisFlyer miles for every S$1 spent on eligible purchases made through singaporeair.com, SingaporeAir mobile app, and KrisShop, with no cap on miles earned.
  • Earn 3.2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, with a monthly cap of S$200.
  • Get 5,000 KrisFlyer miles upon your first spend with the card, applicable only for first-time American Express Singapore Airlines Credit Card applicants.
  • Spend S$15,000 or more on eligible purchases on singaporeair.com within the qualifying period and receive a Double KrisFlyer Miles Accrual Voucher.
  • Spend S$15,000 or more on eligible purchases on singaporeair.com within the first 12 months of card approval and receive an accelerated upgrade to KrisFlyer Elite Gold Membership.
  • Get up to S$1 million in Travel Inconvenience & Travel Accident Benefits.
  • At LOANPANDA, we strive to keep our information accurate and up to date. However, the information may differ from what you see when you visit a financial institution, service provider, or specific product site. LOANPANDA will not be liable to compensate the customer if the information is not as updated as our partner’s.

Eligibility

Singaporean/PR Minimum Income
  • Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Non-Singaporean Minimum Income
  • Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Fees and Charges

  • Annual Principal Fee: S$340.20 (incl. of 8% GST with effect from 1 Jan 2023)
  • Supplementary Annual Fee: S$81 (incl. of 8% GST with effect from 1 Jan 2023). waived for the first year
  • Fee Waiver: Not Available
  • Interest Free Period: 22 days
  • Annual Interest Rate: 26.90%
  • Late Payment Fees: S$100
  • Minimum Monthly Repayment: 3% or S$50, whichever is higher
  • Foreign Currency Transaction Fee: 2.95%
  • Foreign Check Fee: N/A
  • Cash Advance Transaction Fee: 5%
  • Overlimit Fee: N/A

Review

By LOANPANDA

The American Express Singapore Airlines Credit Card is an excellent choice for those who frequently travel overseas or use Grab in Singapore. The card offers a generous rewards program, with up to 3.2 KrisFlyer miles earned for every S$1 spent on eligible transactions. The card also has promotions for overseas spending and a competitive foreign currency transaction fee of 2.95%.

In addition, the card offers up to S$1 million in travel inconvenience and travel accident benefits. Cardholders can also enjoy 0% interest instalment plans at participating Pay Small merchants. However, it’s important to note that the card has an annual principal fee of S$340.20 (incl. of 8% GST with effect from 1 Jan 2023) and a high annual interest rate of 26.90%.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.

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