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KrisFlyer UOB Credit Card

by Kshitiz V Sharma on

The Bottom Line

KrisFlyer UOB Credit Card
The Best Rewards Card in Singapore

Up to 3 miles per S$1 on dining, food delivery, online shopping, travel and transport spend. 1 mile per S$1 on everything else. Min. S$800 spend on SG Air in a year.

Monthly Spend S$1K S$2K S$4K S$6.5K S$10K
Net Reward Yield 2.5% 2.6% 2.6% 2.8% 2.8%
Est. Monthly Reward (S$) 20 50 100 180 280
All-Singapore Rewards Rank* 11 6 2 1 1
Within Bank Rank* 3 3 1 1 1
* Based on est. net reward yield for more than 70 credit cards in Singapore, for each monthly spending level. Read about how we calculate the net reward yield here & here.

The KrisFlyer UOB Credit Card is the best rewards card in Singapore for most people. Above a monthly spend of S$4,000, it is also the best credit card in Singapore, rewards or cashback.

You can earn up to 3 KrisFlyer miles per dollar (mpd) spent with this card on dining, travel & online fashion as well as on all Singapore Airlines group companies viz. Singapore Airline, Scoot & KrisShop transactions.

You earn 1.2 mpd on most other transactions.

Since we value each KrisFlyer mile at S$0.014, that 3 mpd is an effective reward rate of 4.2% while 1.2 mpd is 1.7%.

We estimate you can earn a reward yield of 2.5 – 2.8% on all your spending with this card.

However, you should note that to earn the accelerated reward rate of 3 mpd you need to spend a minimum of S$800 in a year on Singapore Airlines group companies.

Failing that, you will only earn the 1.2 mpd on all transactions, including those on categories that are eligible for the 3 mpd i.e. dining, travel etc.

The way the rewards system works for KrisFlyer UOB is that initially you earn 1.2 miles per dollar on all your transactions.

If you end up spending more than S$800 with Singapore Airlines group companies during the year, you should receive the additional 1.8 mpd within 2-3 months of the end of the year.

If, however you’re willing to use a cashback card, the MayBank Family & Friends Credit Card is a better choice as long as you charge less than S$4,000 a month to your card.

For that level for spending, the Family & Friends Card can earn a reward yield 0f 3.0 – 4.8%, significantly higher than the KrisFlyer UOB.


The Rewards

Card KrisFlyer UOB Credit Card
Card Type Rewards
Reward Features 3 miles per dollar* on:
– Dining
– Food Delivery
– Online Shopping
– Travel
– Transport Spend
– Singapore Airlines
– KrisShop
– Scoot
– SilkAir

1.2 miles per dollar on all other spend

*subject to a minimum S$800 spent each year on Singapore Airlines, Scoot and KrisShop

Reward Caps Unlimited
Other Rewards & Benefits – S$10 off on dining and retail with Kris+
– S$15 off on Grab rides to and from Changi Airport
– Free Seat Selection, additional baggage allowance and priority check-in on Scoot
Preferred Redemption Method Redemption Bookings on Singapore Airlines
Fee for Points to Miles Conversion Nil
Minimum Points for Conversion to Miles N/A


Fees & Charges

Card KrisFlyer UOB Credit Card
Income Criteria S$30,000
Annual Fee S$194.40
Min. Annual Credit Card Spend
for Fee Waiver
1st Year Waived
Supplementary Card Fee S$97.20 (1 Card Free)
Interest Rate 26.90% p.a.
Foreign Currency Markup 3.25%
Cash Advance Charge 3% or S$50, whichever is higher


The Best Credit Cards in Singapore

The Maybank Family & Friends Credit Card is the best credit card in Singapore if you charge less than S$4,000 a month to your card.

It has the highest cashback rate of 8% on 5 spending categories of your choice and also the highest monthly cashback cap of S$125.

We estimate you can earn a reward yield of 3.0 – 4.8% with this card on monthly spends between S$800 – 4,000.

The KrisFlyer UOB Credit Card is the best rewards card in Singapore for monthly spends above S$4,000 a month.

You can earn up to 3 miles per dollar spent with this card on dining, travel & online fashion and 1.2 miles per dollar on most other transactions.

We estimate you can earn a reward yield of 2.5 – 2.8% on all your spending with this card.

The Citi Cash Back+ is the best cashback credit card if you spend more than S$7,800 a month on your card. Its cashback rate of 1.60% with no caps, overall or by category, is one of the highest in Singapore.

Learn more about which is the best card for you by reading our pieces on the best rewards card, the best cashback card and the best card combos in Singapore.

If you drive, consider our piece on the best card for petrol and if you’re a travel bug, read about the best card for travel.

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