Ever since the Amex KrisFlyer range of air miles credit cards were released in Singapore, reception to it has been lukewarm to say the least.

If you didn’t already know, the Amex KrisFlyer is a range of air miles credit cards that are officially co-branded with Singapore Airlines.

There are 4 cards in total, the Blue, the Ascend, PPS Club and Solitaire PPS credit card. Of which the latter two are only applicable as they are invite-only.

And not to mention, you have to be a PPS member.

Which requires 25,000 in PPS value within 12 consecutive months. (PPS Solitaire is on another level entirely)

And travel is only in premium cabins.

So, anything in Suites, First Class or Business Class.

Definitely not for the regular joe.

Which is why today we will only be looking at the Amex KrisFlyer Blue and Ascend air miles credit cards.

Now to be completely frank, the accrual rates for general spend for both cards are, in as polite a way as we can put in, not very good.

1.1 miles per dollar and 1.2 miles per dollar respectively.

Just looking at this, there is no doubt that many other cards out there that have better earn rates.

So why should you even consider the Amex KrisFlyer cards?

Well for one, there are no conversion fees because these are Singapore Airlines own branded cards.

Which means that the miles accrued are automatically transferred to your KrisFlyer account every month with no other charges.

And number 2, there are rather attractive sign up bonuses for both cards.

Let’s take a more in depth look and see if both these cards will make sense for you.

krisflyer amex

Amex KrisFlyer Blue Features

  • Late payment fee – $60
  • Minimum Age for Principal Holder – 21 and above
  • Minimum Age for Supplementary Holder – 18 and above
  • Minimum monthly repayment – 3% or $50, whichever is higher
  • Foreign currency transaction fee – 0.025
  • Cash advance transaction fee – 0.05
  • Minimum income – $30,000 (Singaporean) / $60,000 (non-Singaporean)
  • Card association – American Express
  • Wireless payment – Apple Pay, Samsung Pay, Google Pay

Amex KrisFlyer Blue Earn Rate

  • Expenditure – Earn rate
  • Local spending – $1 = 1.1 miles
  • Overseas spending (Jun & Dec only) – $1 = 2 miles
  • Grab & Uber rides – $1 = 3.1 miles (up to $200 per month)

Amex KrisFlyer Blue Sign-up Bonus

 

Currently, the sign-up bonus for the Amex KrisFlyer Blue is up to 27,500 miles. Here is how you can earn it:

  • Earn 7,000 miles on your first spend
  • Earn another 6,000 bonus miles when you spend $2,000 within 3 months of approval
  • Earn another 9,000 bonus miles with a further $3,000 spend within 3 months of approval
  • Total spend of $5,000 will give you 5,500 base miles based on current 1.1 mile earn rate
  • If you apply online by 30th September 2018 you will be able to receive an additional 3,000 KrisFlyer miles upon $10,000 spend in the first 3 months upon card approval

Not to mention, you can apply for up to two additional supplementary cards, to get an additional 1,500 miles for each card.

Which is not a bad deal at all for just filling out a couple of extra details for someone else.

So despite the not so good earning rates, this card could be worth applying if you know you have a bigger sum to spend to attain the bonus.

And yes we have mentioned it earlier, but we think there is a need to say it again.

There is no fee for this card for the first year, so yes, it is basically free to apply.

 

krisflyer amex ascend

Amex KrisFlyer Ascend Features

 

  • Annual fee & waiver – $337.05
  • Supplementary annual fee – $80.25 (first year free)
  • Interest free period – 22 days
  • Annual interest rate – 0.259
  • Late payment fee – $60
  • Minimum Age for Principal Holder – 21 and above
  • Minimum Age for Supplementary Holder – 18 and above
  • Minimum monthly repayment – 3% or $50, whichever is higher
  • Foreign currency transaction fee – 0.025
  • Cash advance transaction fee – 0.05
  • Minimum income – $50,000 (Singaporean) / $60,000 (non-Singaporean)
  • Card association – American Express
  • Wireless payment – Apple Pay, Samsung Pay, Google Pay

Amex KrisFlyer Ascend Earn Rate

  • Expenditure – Earn rate
  • Local spending – $1 = 1.2 miles
  • Overseas spending (Jun & Dec only) – $1 = 2 miles
  • Grab & Uber rides – $1 = 3.1 miles (up to $200 per month)

Amex KrisFlyer Ascend Sign-up Bonus

 

Currently, the sign-up bonus for the Amex KrisFlyer Ascend is up to 45,000 miles. Here is how you can earn it:

  • Earn 7,000 miles on your first spend
  • Earn another 13,000 bonus miles when you spend $5,000 within 3 months of approval
  • Earn another 13,000 bonus miles with a further $5,000 spend within 3 months of approval
  • Total spend of $10,000 will give you 12,000 base miles based on current 1.2 mile earn rate
  • If you apply online by 30th September 2018 you will be able to receive an additional 3,000 KrisFlyer miles upon $10,000 spend in the first 3 months upon card approval

Unlike the Amex KrisFlyer Blue, the first year fee cannot be waived.

So you will immediately be looking at out of pocket costs of $337.50.

Which is still fine if you are just looking at the bonus miles for bigger ticket items, but beyond the bonus miles, the regular miles earning rates is not worth the high yearly fee to maintain the card.

Conclusion

If you are new to miles, the Amex KrisFlyer Blue credit card will be an ideal way to start (as long as there is the bonus miles).

There are no fees for the first year and miles are credited directly to your KrisFlyer account, so you do not have to worry about earning a minimum amount of points to convert into miles.

Although there is a 3 year validity for the miles, that should be long enough for most people to save for their trip.

For the Amex KrisFlyer Ascend, the yearly fee is rather high but as long as you have big ticket items to spend to acquire the bonus miles then yes it can be worth your time still.

Remember to apply by 30th September to take advantage of the promotion!

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