AMEX KrisFlyer Credit Card — 1.1 mpd Direct KrisFlyer
An entry-level KrisFlyer co-brand card earning 1.1 miles per dollar on all spend with direct crediting to Singapore Airlines KrisFlyer.
AMEX KrisFlyer Credit Card
American Express
Annual Fee
$176.55
Minimum Income
$30,000
Key Conditions
- •1.1 mpd on all spend
- •Direct crediting to KrisFlyer account
- •Lower annual fee than AMEX Ascend variant
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View card details → [Affiliate]Earning Rates
Card information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| All other spend | 1.1 mpd |
Projected miles at average monthly spend of S$3,000. Adjust spending to match your pattern.
Pick up to 3
Reachable destinations (economy, one-way)
AMEX KrisFlyer Credit Card vs UOB KrisFlyer Card vs AMEX KrisFlyer Ascend
| At S$3,000/mo | AMEX KrisFlyer Credit Card [Affiliate] | UOB KrisFlyer Card [Affiliate] | AMEX KrisFlyer Ascend [Affiliate] |
|---|---|---|---|
| Annual miles | 39,600 | 72,000 | 48,960 |
| Dining | 330 (1.1 mpd) | 600 (2 mpd) | 600 (2 mpd) |
| Groceries | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| Transport | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| Online | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| Travel | 330 (1.1 mpd) | 600 (2 mpd) | 600 (2 mpd) |
| Contactless | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| Overseas | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| bills | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| insurance | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| general | 330 (1.1 mpd) | 600 (2 mpd) | 360 (1.2 mpd) |
| Annual fee | S$176.55 | S$192.6 | S$337.05 |
| Min income | S$30,000 | S$30,000 | S$50,000 |
Based on publicly listed rates as of April 2026.
About AMEX KrisFlyer Credit Card
The AMEX KrisFlyer Credit Card earns 1.1 miles per dollar on all transactions, with miles credited directly to a Singapore Airlines KrisFlyer account. At $176.55 per year, it carries the lowest annual fee among dedicated KrisFlyer co-brand cards in Singapore. The minimum income requirement is $30,000. Unlike cards that earn bank reward points requiring manual conversion, this card deposits miles into KrisFlyer automatically after each statement cycle. The flat 1.1 mpd rate applies across all categories with no bonus tiers, making projected earnings straightforward to calculate for any spending pattern.
Key Features
- •1.1 miles per dollar on all transactions
- •Direct KrisFlyer crediting — no transfer or conversion step
- •Lowest annual fee among KrisFlyer co-brand cards at $176.55
- •Minimum income: $30,000
- •Complimentary travel insurance coverage
Miles Earning Breakdown
On $3,000 monthly spend, the AMEX KrisFlyer Card could earn approximately 3,300 miles per month or 39,600 miles per year at the flat 1.1 mpd rate. There are no bonus categories, spending caps, or tiered structures — the rate is uniform across all transactions including dining, transport, groceries, and online purchases. The direct crediting mechanism means miles appear in the KrisFlyer account without a manual transfer step or conversion ratio to factor in. For cardholders who also hold the Ascend variant, miles from both cards accumulate in the same KrisFlyer account.
AMEX KrisFlyer Credit Card vs UOB KrisFlyer Card vs AMEX KrisFlyer Ascend
The UOB KrisFlyer Card earns 2 mpd on all spend compared to the AMEX KrisFlyer Card at 1.1 mpd — a gap of approximately 2,700 additional miles per month on $3,000 spend. However, the AMEX KrisFlyer Card has a lower annual fee ($176.55 vs $192.60). Against the AMEX KrisFlyer Ascend at 1.2 mpd base with 2 mpd on dining and travel, the Ascend earns more for category-heavy spenders but costs $337.05 annually. The base AMEX KrisFlyer Card could suit cardholders prioritising a lower fee with automatic KrisFlyer crediting. Rates sourced from bank websites as of April 2026.
Where Does AMEX KrisFlyer Credit Card Earn the Most?
All spending categories earn at the same 1.1 mpd flat rate. Dining, groceries, transport, online shopping, and general retail all contribute equally, making no single category more advantageous than another for miles accumulation on this card.
Frequently Asked Questions
What is the difference between the AMEX KrisFlyer and AMEX KrisFlyer Ascend?
The base KrisFlyer Card earns 1.1 mpd on all spend at $176.55/year. The Ascend earns 1.2 mpd base with 2 mpd on dining and travel at $337.05/year. Both credit miles directly to KrisFlyer.
Does the AMEX KrisFlyer Card have any spending cap?
No. The 1.1 mpd rate applies to all spend without any monthly or annual cap.
Is the AMEX KrisFlyer Card accepted everywhere in Singapore?
AMEX acceptance in Singapore has grown but remains narrower than Visa or Mastercard networks. Some hawker centres, smaller shops, and government services may not accept AMEX.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.