KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

If you are a jet-setter and often daydreams about travelling, the KrisFlyer UOB Credit Card is for you!

Earn up to 3 KrisFlyer miles per S$1 on your daily spend, Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago! Plus, enjoy other exclusive privileges on Scoot, Kris+ and more. KrisFlyer miles are automatically credited to your KrisFlyer account on a monthly basis, with no conversion fee.

What’s more, get 5,000 KrisFlyer miles on your first eligible spend of S$5. You will also be rewarded with 10,000 KrisFlyer miles when you make payment for your annual renewal fee.

Visit the KrisFlyer UOB Credit Card website to find out deals and privileges on Scoot, KrisShop, Kris+ and more!
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 miles / dollar
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Annual Fee
S$ 196.2
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Monthly Spend Required
None
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Minimum Annual Income
S$ 30,000

Things to consider

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KrisFlyer miles

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Unlimited miles

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1st year annual fee waiver

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Benefits

AirMiles

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Airmiles Base Rate
1.2  miles / dollar
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Airmiles Local
3  miles / dollar
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flight
Airmiles Overseas
3  miles / dollar
restaurant
Airmiles Dining
3  miles / dollar
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Airmiles Local Online Shopping
3  miles / dollar
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Airmiles Flight Booking
3  miles / dollar
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commute
Airmiles Transport
3  miles / dollar
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luggage
Airmiles Travel
3  miles / dollar
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bed
Airmiles Hotel Booking
3  miles / dollar
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Quick Facts

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Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases.

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Earn 2.4 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop

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Earn 1.2 KrisFlyer miles per S$1 on all other spend.

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5,000 Welcome miles with first eligible spend (min. S$5).

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10,000 KrisFlyer miles with annual renewal fee payment.

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Exclusive privileges on Scoot (via flyscoot.com/krisflyeruob), Kris+ and more.

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Terms and conditions apply for all abovementioned privileges. Visit here for more details.

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Insured up to S$100k by SDIC.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
No Fee

Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.8  %
Interest on Cash Advance
28.5  %
Interest Free Period
Up to 21  days
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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

KrisFlyer UOB Credit Card KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card


The KrisFlyer UOB Credit Card is ideal for Singapore Airlines loyalists and frequent travellers flying within the SIA Group.

It allows you to earn 1.2 miles per S$1 base rate, 3 miles per S$1 on eligible Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases, and 2.4 miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend with minimum annual spend.

Additionally, you’ll get travel insurance coverage, automatic miles crediting, and access to KrisFlyer promos and partner deals.

Spend category Rewards earned
S$1 Local Spend 1.2 miles
S$1 Singapore Airlines/Scoot/KrisShop Spend 3 miles
S$1 Selected Dining/Online/Transport Spend 2.4 miles

 

Welcome offer

Apply through the UOB website and receive 5,000 KrisFlyer miles when a single Card Transaction of at least S$5 is successfully charged to the KrisFlyer UOB Credit Card.

KrisFlyer UOB Credit Card at a glance

Air miles
4.5/5 Stars

  • High 3 mpd rate for Singapore Airlines Group transactions
  • 2.4 mpd on selected dining, online shopping and transport spend
  • Direct miles credit to KrisFlyer account with no conversion fees

 

Overseas spending
3.5/5 Stars

  • Earns 1.2 mpd on overseas spend outside the bonus categories
  • Best for SIA Group and partner airline transactions

 

Travel
4/5 Stars

  • Automatic miles credit to KrisFlyer account
  • Complimentary travel insurance with airfare charged to card
  • Access to KrisFlyer promotions and upgrades

 

Bill payment
2/5 Stars

  • No miles for payments via AXS, SAM or similar platforms
  • Not designed for recurring bill optimisation

 

Petrol
1/5 Stars

  • No specific petrol discounts or tie-ups
  • Limited benefit for drivers

 

Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Supplementary annual fee: Free
  • Fee waiver: 1-year waiver for principal card
  • Interest-free period: 21 days
  • Annual interest rate: 27.8% p.a., subject to a minimum charge of S$3
  • Late payment fees: S$100
  • Minimum monthly repayment: 3% or S$50, whichever is higher
  • Foreign currency transaction fee: 3.25%
  • Cash advance transaction fee:  8% or S$15, whichever is higher
  • Overlimit fee: S$40

 

Minimum income requirements

  • Singaporean/PR minimum income (55 years old and below): S$30,000
  • Singaporean/PR minimum income (56 years old and above): S$15,000
  • Fixed Deposit collateral of minimum S$10,000

  • Non-Singaporean minimum income: S$40,000
  • Fixed Deposit collateral of minimum S$10,000

 

Why apply for the KrisFlyer UOB Credit Card

Perks and benefits

  • 3 mpd on Singapore Airlines, Scoot and KrisShop purchases
  • 2.4 mpd on selected dining, online shopping and transport spend
  • 1.2 mpd on all other local and overseas transactions

Additional benefits

  • UOB Payment Facility for expenses like monthly bills, rent, taxes
  • Miles automatically credited to KrisFlyer account — no conversion fees or delays
  • Access to KrisFlyer promotions, upgrades and partner offers

Everyday value

  • High bonus earn rate in popular everyday categories like dining and transport
  • Ideal for those who regularly fly with Singapore Airlines or Scoot
  • First-year annual fee waiver reduces upfront cost

SingSaver’s take

The KrisFlyer UOB Credit Card is a great fit for Singapore Airlines loyalists who want to maximise miles without worrying about conversion fees or expiry in their bank rewards programme. Its generous 3 mpd earn rate in selected categories, and 2.4 mpd for selected categories, gives it everyday appeal, though frequent overseas spenders outside the SIA ecosystem may find better earn rates elsewhere.

Pros & Cons

Pros Cons
  • High 3 mpd earn rate for SIA Group bookings
  • Automatic miles credit to KrisFlyer account
  • Bonus earn rate on popular daily spend categories
  • UOB Payment Facility for big bills
  • Lower earn rate for general overseas spend compared to competitors
  • Limited petrol or bill payment benefits
  • Annual fee after first year

 

 

Card comparison

Card Miles/Rewards Annual fee (principal) Other perks
KrisFlyer UOB Credit Card 1.2 mpd local, 3 mpd SIA Group and affiliates, 2.4 mpd selected vategories S$196.20 (1-year waiver) Automatic miles credit to KrisFlyer, UOB Payment Facility, KrisFlyer promos
HSBC TravelOne 1.2 mpd local, 2.4 mpd overseas S$196.20 (1-year waiver) Instant redemption to 20+ partners, lounge access, travel insurance
Citi PremierMiles 1.2 mpd local, 2.2 mpd overseas S$196.20 (1-year waiver) Flexible miles redemption, complimentary travel insurance


The KrisFlyer UOB Credit Card is the only general consumer miles card in Singapore offering automatic miles credit to KrisFlyer with no conversion fees.

 

Application process

  1. Click “Apply Now” on this page
  2. Complete the UOB online application form
  3. Upload the required documents (NRIC, income proof)
  4. Wait for approval (usually within 1–2 weeks)


Frequently asked questions about KrisFlyer UOB Credit Card

How soon will my miles be credited?

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Miles are credited directly into your KrisFlyer account each month with no conversion needed.

Do KrisFlyer miles expire?

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Yes, KrisFlyer miles expire 3 years after they are credited to your account.

Can I earn bonus miles on Grab or ride-hailing services?

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Yes, selected transport transactions, including ride-hailing, earn 2.4 mpd with a minimum S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop. If not, they earn at the base rate of 1.2 mpd.

Is there a lounge access benefit?

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No complimentary lounge access is included; focus is on miles earn rate and travel perks.

QuestionCan supplementary cardholders earn miles?

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Yes, all eligible spend on supplementary cards earns miles credited to the main cardholder’s KrisFlyer account.

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