KrisFlyer UOB Credit Card
Offers
SingSaver Reward up to S$700
- S$200 Cash via PayNow
- Samsonite Straren Spinner 67/24 (worth S$600)
- S$90 Cash via PayNow
- SingSaver Flash Deal promotion is valid from 2 September 2026 to 30 September 2026.
- Promotion is valid for new-to-UOB credit cardmembers only.
- Be one of the first 2 applicants at 2 PM & 10PM every day during the flash deal period to apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval to be eligible for the Flash Deal reward:
- S$200 Cash via PayNow; or a
- Samsonite Straren Spinner 67/24 (worth S$600).
- Remaining applicants will receive S$90 Cash via PayNow.
- Promotion is stackable with UOB Welcome Offer (additional T&Cs apply).
- Terms and Conditions apply
- S$100 Samsung Voucher
- Welcome Offer promotion is valid from 1 July 2026 to 30 September 2026.
- Promotion is valid for new-to-UOB credit card customers only.
- Successfully apply to be the principal cardholder for select UOB Credit Cards within the promo period and spend a min. of S$1,000 within 30 days of card approval to be eligible for S$100 Samsung Voucher reward.
- Plus, receive a 10% discount when you use your UOB Credit Card on Samsung Singapore transactions via the Samsung online store with min. spend of S$1,000.
- Samsung reserves the right to amend or withdraw the discount promotion without prior notice.
- Plus, receive a 10% discount when you use your UOB Credit Card on Samsung Singapore transactions via the Samsung online store with min. spend of S$1,000.
- Terms and Conditions apply.
Highlights
SingSaver's Take
Things to Consider
Benefits
Fees & Charges
Eligibility
Pros & cons
Pros
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
Cons
Lower earn rate for general overseas spend compared to competitors
Limited petrol or bill payment benefits
Annual fee after first year
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.
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
- Click “Apply Now” on this page
- Complete the UOB online application form
- Upload the required documents (NRIC, income proof)
- Wait for approval (usually within 1–2 weeks)
Frequently asked questions about KrisFlyer UOB Credit Card
Miles are credited directly into your KrisFlyer account each month with no conversion needed.
Yes, KrisFlyer miles expire 3 years after they are credited to your account.
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.
No complimentary lounge access is included; focus is on miles earn rate and travel perks.
Yes, all eligible spend on supplementary cards earns miles credited to the main cardholder’s KrisFlyer account.
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