UOB Krisflyer Card
Earn uncapped 3 miles per dollar on SIA group spend and 2.4 miles per dollar on dining, online shopping, transport & select travel with min. S$1,000 SIA spend/year.
UOB Krisflyer Card Overview:
The UOB KrisFlyer credit card is a travel credit card that lets you earn and redeem miles directly with Singapore Airlines and Scoot with no transfer fee. You can earn up to 3 KrisFlyer miles per dollar spent on Singapore Airlines Group (SIA) and Kris+. You can also earn 3 Krisflyer miles per dollar on select categories with a minimum S$800 spend per card membership year on SIA Group-related transactions.
Local Earn Rate | 1.2 miles per dollar |
Foreign Currency Earn Rate | 1.2 miles per dollar |
Bonus Earn Rate | 3 miles per dollar (Singapore Airlines, Scoot, KrisShop and Kris+ purchases) |
Spending Cap for Bonus Earn Rate | None |
Foreign Currency Fees | 3.25% |
Lounge Access | No |
Airport Limo | No |
Points Expiry | 3 years |
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$40,000 (foreigners)
- Annual Fee: S$194.40 (incl. GST), waived for first year
Key Benefits:
- Earn 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ transactions + Pelago Bookings
- Earn 2.4 miles per dollar  on Dining, Online Shopping, Online Travel, and Transport when you spend S$1,000 on SIA related spends in a card membership year (see “Past Buffs/Nerfs” below for more info)
- Earn 1.2 miles per dollar on all other purchases
- Since points are earned for every S$5 spent, a $4.99 purchase will not earn you any points.
- Up to S$500,000 worth of complimentary travel insurance
- 2x S$15 Grab Voucher for rides to/from Changi Airport
- 2x S$15 Voucher for Changi WiFi
- Earn extra KrisFlyer miles for every S$1 spent when you open a KrisFlyer UOB Account. The total bonus miles are limited to 5% of your monthly average balance. But personally, I don’t think it’s worthwhile.
With Deposit Balance (Monthly Average Balance) | Bonus KrisFlyer miles earned per S$1 spend |
$1,000 and above | +5 miles +6 Miles (With Salary Crediting) |
How to Best Optimise it:
Best Used in Singapore Airline Group (SIA) Related Transactions and Kris+ Transactions
- You can earn 3 Krisflyer miles per dollar (in a calendar month) with no minimum spend and no cap for these transactions. This applies to both online and offline spending, in SGD or foreign currency. SIA Transactions are defined as:Â
- Singapore Airlines
- Scoot
- KrisShop
- You can also earn an uncapped 3 miles per dollar on Pelago BookingsÂ
- No transfer fee on miles because they’re already KrisFlyer miles. Base KrisFlyer miles will be credited directly to your KrisFlyer membership account each month. The Bonus KrisFlyer miles will be credited to your account only after you pay the KrisFlyer UOB Card’s annual fee of S$194.40. Following that, you can expect to receive the bonus miles within two months of the payment. Basically, there’ll be a 14-month delay before your bonus miles can reach your account.
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Scoot Privileges:
Principal Holder | Companion | |
Additional 5kg Allowance (min. 20kg allowance purchase) | Yes | No |
Complimentary Standard Seat Selection for Principal Cardholder | Yes | Yes |
One-time Booking Flexibility Waiver | No | No |
Complimentary Priority Check-in and Boarding | Yes | Yes |
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- If you spend at least S$1,000 on SIA Group-related transactions to your card in a card membership year, you can also earn 2.4 Krisflyer miles per dollar on these transactions:
Categories | MCCs | Examples |
Dining & Online Food Delivery | 5812, 5813, 5814 | Crystal Jade, Imperial Treasure, Paradise Dynasty, Brewerkz, Harry’s, Burger King, KFC, Starbucks, McDonald’s, Deliveroo, Food Panda and GrabFood |
Online Shopping | 4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732, 5733, 5735, 5912, 5942, 5944-5949, 5999, 7278 | Fashion websites selling clothes, shoes, jewelry, accessories, and bags + it covers a wide range of MCCs including Amazon, Ezbuy, Lazada, Qoo10, Shopee, and Taobao |
Online Travel Transactions | No specific MCCs but specific merchants: | Agoda, Airbnb, Booking.com, Expedia, hotels.com, Kaligo, Traveloka, Trip.com, uobtravel |
Transport | 4121 | BUS/MRT only, Gojek, Grab, Comfort |
What to Avoid:
Exclusion under Online Shopping Category:
- Online payments to MCCs 5734 (Computer Software Stores), 5964-5969 (Direct Marketing Merchants), 5970 (Artist Supply Stores, Craft Shops), 5992 (Florists)
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Standard Exclusion List:
MCC | Description |
4829 | Wire Transfer/Remittance |
4900 | Utilities |
5199 | Nondurable Goods |
5960 | Direct Marketing – Insurance Services |
5965 | Direct marketing – Combination Catalog and Retail Merchants |
5993 | Cigar Stores and Stands |
6012 | Member Financial Institution–Merchandise and Services |
6050 | Quasi Cash–Financial Institutions, Merchandise and Services |
6051 | Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency, Cryptocurrency) |
6211 | Securities–Brokers and Dealers |
6300 | Insurance Sales/Underwrite |
6399 | Insurance |
6513 | Real Estate Agents & Managers – Rentals |
6529 | Quasi Cash-Remote Stored Value Load-Financial Institute Rentals |
6530 | Quasi Cash-Remote Stored Value Load-Merchant Rentals |
6534 | Quasi Cash-Remote Money Transfers |
6540 | Stored Value Card Purchase/Load |
7349 | Clean/Maint/Janitorial Serv aka Property Management |
7511 | Quasi Cash – Truck Stop Trxns |
7523 | Automobile Parking Lots and Garages |
7995 | Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks |
8062 | Hospitals |
8011 | Doctors–not elsewhere classified |
8099 | Health Practitioners, Medical Services – Not Classified Elsewhere |
8211 | Schools, Elementary and Secondary |
8220 | Colleges, Universities, Professional Schools and Junior Colleges |
8241 | Schools, Correspondence |
8244 | Schools, Business and Secretarial |
8249 | Schools, Trade and Vocational |
8299 | Schools and Educational Services–Not Elsewhere Classified |
8398 | Charitable and Social Service Organizations |
8661 | Religious Organizations |
8651 | Political Organizations |
8699 | Membership Organizations (Not Elsewhere Classified) |
8999 | Professional Services (Not Elsewhere Classified) |
9211 | Court Costs including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payment |
9402 | Postal Services—Government Only |
9405 | Intra-Government Purchases—Government Only |
9399 | Government Services—not elsewhere classified |
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Excluded Transaction Descriptions:
AXS* | PAYPAL * CAPITALROYA |
AMAZE* (wef 1 October 2024) | PAYPAL * OANDAASIAPA |
AMAZE* TRANSIT* (wef 1 March 2022) | PAYPAL* PLUS500 |
BANC DE BINARY* | PAYPAL* PLUS500.COM |
BANCDEBINARY.COM* | Saxo Cap Mkts Pte Ltd |
EZ LINK PTE LTD (FEVO) | SKR*SKRILL.COM |
EZ Link transport | SKR*xglobalmarkets.com* |
EZ Link* | SKYFX.COM* |
EZ-LINK (IMAGINE CARD) | TRANSIT* |
EZ-Link EZ-Reload (ATU) | WWW.IGMARKETS.COM.SG |
EZLINK* | City Index* |
EzLink* | YOUTRIP* |
EZ-LINK* | IPAYMY* (wef 1 August 2022) |
FlashPay ATU* | RWS-LEVY* (wef 1 August 2022) |
MB * MONEYBOOKERS.COM | SMOOVE PAY* (wef 1 August 2022) |
NETS VCASHCARD* | SINGPOST-SAM* (wef 1 August 2022) |
NORWDS* (wef 21 July 2024) | RazerPay* (wef 1 August 2022) |
OANDA ASIA PAC* | |
OANDAASIAPA | |
PAYPAL * BIZCONSULTA |
Past Buffs/Nerfs:
Buffs:
- From 1 June 2025, you can earn an uncapped 3 miles per dollar on Pelago Bookings
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Nerfs:
From 1 June 2025
- The bonus 3 miles per dollar (1.8 mpd bonus miles + 1.2 mpd base miles) for online food delivery, online shopping, online travel & transport will be decreased to 2.4 miles per dollar (1.2 mpd bonus miles + 1.2 mpd base miles)
- Also, the minimum spend required will be increased from S$800 to S$1,000
- These changes will apply to UOB Krisflyer cards that are renewed or approved from December 2024
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From 1 October 2024
- UOB will no longer include Amaze transactions in its rewards program— will no longer earn krisflyer miles
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UOB has always had an Amaze exclusion in its terms and conditions, but this exclusion was only applicable specifically on AMAZE*TRANSIT*. Starting 1 October 2024, however, the Amaze exclusion will be definite.
Is it Worth it:
Advantages:
- Earn an uncapped 3 miles per dollar on SIA related transactions
- Miles transfer fees are free— earn KrisFlyer miles directly
- With a KrisFlyer UOB account, you can receive up to 6Â bonus miles per dollar
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Disadvantages:
- Miles are only transferrable to one transfer partner since it is a co-branded card.
- The minimum yearly spend of S$800 may be difficult to hit, more so after 1 June 2025 when this increased to S$1,000
- Miles may take up to 14 months to arrive – therefore you should take note of this if you wish to cancel your card
Frequently Asked Questions:
- Is there a transfer fee: There’s no transfer fee for miles since they’re already KrisFlyer miles.
- When will I receive my miles: Base KrisFlyer miles are credited to your KrisFlyer account each month. Bonus KrisFlyer miles will be credited after you pay the KrisFlyer UOB Card’s annual fee of S$194.40. You’ll receive the bonus miles within two months of the payment, so expect a 14-month delay before your bonus miles appear in your account.
- Watch these Videos:
Final Thoughts:
If you frequently travel with Singapore Airlines and you have a substantial amount of spending in the 3 miles per dollar category, you might consider applying for this credit card.
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