Is the UOB Krisflyer Card the Best for SIA Miles? (2024 Review)

Shania Wong
PROMO: Receive up to 31,000 miles + Receive an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers*
Apply Now
on UOB's website

UOB Krisflyer Card

Apply Now
on UOB's website
The UOB KrisFlyer Credit Card offers a 3mpd bonus rate on items an average person is likely to spend on. But if you’re thinking of getting this card, you’ll need to consider the timeframe and whether you’re willing to be locked into the card until your bonus miles are awarded.


  • 10,000 miles as a renewal bonus each year
  • Up to 3 mpd for eligible transactions across various categories
  • Exclusive Scoot privileges
  • Enjoy discounts at specific merchants


  • No spending-based annual fee waivers
  • Bonus miles can take 2 to 14 months to be credited to your account
  • Difficult to track and reconcile all miles
  • S$500 minimum annual spend to qualify for 3mpd

Current Promotion

Receive up to 31,000 miles when you pay the first-year annual fee of S$194.40 (incl. GST) and make a minimum spend of S$2,000 within 60 days from card approval + Receive an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers when you are one of the first 200 applicants and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. (Valid until 31 March 2024) Click to apply.

Now that travel restrictions have been mostly eased, many are starting to plan for their next trip.

And a potentially strong contender to help you save those miles? The UOB Krisflyer card.

Considering most flight mileage cards offer a low MPD rate for daily spending, the UOB Krisflyer Card presents a good alternative for those of us not jet-setting every weekend.

Today, we’ll be reviewing the UOB Krisflyer Credit Card and giving our verdict based on:  

Eligibility Requirements

Residential StatusAnyone
Age21 and above
IncomeS$30,000 and above for Singapore Citizens and PRs; S$40,000 and above for foreigners with a valid visa

Pretty standard as far as requirements go. If you can’t meet the minimum income requirements, you may be able to use a Fixed Deposit of at least S$10,000 as collateral instead.

Fees and Charges

Annual Fees
  • Principal Card: S$194.40 inclusive of GST (waived for the first year)
  • Supplementary Card: First card free. S$97.20 for subsequent cards
Effective Interest Rate26.9%
Late Payment ChargesS$100
Minimum Monthly Payment3% or S$50, whichever is higher
Overlimit FeeS$40
Cash Advance Fee8% per transaction, subject to a minimum fee of S$15.
Cash Advance Interest Rate28%
Foreign Currency Transaction Fee3.25%

The fees and charges are around the market average. You’ll get a fee waiver for the first year.

For subsequent years, you can dial the UOB hotline to request a waiver. Just note that if you go for this option, you’ll also be forgoing the renewal bonus of 10,000 KrisFlyer miles.

Miles, Discounts, and Other Perks

  • 3 miles for every S$1 spent on dining, food delivery, online shopping, travel, and transport (including public transport), provided you spend at least S$500 annually with KrisShop and SIA
  • With a KrisFlyer UOB Deposit Account, earn bonus miles rates:
    • 5 bonus miles per S$1 spending (or)
    • 6 bonus miles per S$1 spending with minimum S$2,000 monthly salary crediting
Other Benefits
  • 10,000 miles as renewal bonus
  • Earn 4.5 mpd on spending at KrisShop
  • Scoot benefits (e.g. Priority check-in & boarding, additional baggage allowance, etc.)
  • Discounts on specific merchants such as Grab, ChangiWiFi, etc.

Minimum Spend Requirement for 3 Miles Per Dollar

The important thing to note is that you must spend S$500 a year with KrisShop and SIA to qualify for 3mpd on everyday spending. Otherwise, you’ll only earn 1.2 mpd.

But since you’re getting this card to fly on SIA anyway, this should be quite achievable with the purchase of one air ticket or a bit of splurging on KrisShop.

Miles Crediting System

Base miles (1.2mpd) and bonus miles (3mpd – 1.2mpd) from qualifying transactions are credited at different times, which can be very confusing.

Your base miles will be credited to your account by the end of each calendar month. However, all bonus miles will only be credited 2 months after the end of the membership year.

Note: This will only apply if you meet the S$500 annual spend requirement on Krisflyer Shop or SIA group. 

All miles will expire 3 years from the month of issuance, but most people report being able to use up their miles before they expire. 

KrisFlyer UOB Deposit Account

Opening a KrisFlyer UOB Deposit Account with your credit card gives you even more miles when you spend. The account also gives you a base interest of 0.05% on your savings.

The bonus rate cap is 5% of your account’s monthly average balance. This means that if your account has an average of S$5,000 for the month, then your bonus rate will be limited to S$250.

Bonus rates start at 5mpd provided you have at least S$1,000 deposited. They increase to 6mpd if you credit your salary to the account.

How Does the UOB KrisFlyer Card Fare Against Others? 

How does the UOB KrisFlyer stack up against other KrisFlyer co-branded cards…or perhaps other miles-focused cards?

In this section, we will be comparing the card against the:

  • AMEX KrisFlyer Credit Card
  • Citi Rewards Card
  • OCBC Titanium Rewards Card
UOB KrisFlyer Credit CardAMEX KrisFlyer Credit CardCiti Rewards CardOCBC Titanium Rewards Card
Miles per Dollar1.2 mpd (Base rate) 

3 mpd (Bonus rate)
1.1 mpd (Base rate)

3.1 mpd (Bonus rate)
0.4 mpd (Base rate)

4 mpd (Bonus rate)
0.4 mpd (Base rate)

4 mpd (Bonus rate)
Annual FeesS$194.40S$178.20S$194.40S$194.40
Annual Fee WaiverFirst year waivedFirst year waivedFirst year waivedFirst 2 years waived
Minimum Spending RequiredS$500 per year on KrisShop and SIA GroupNoneNoneS$10,000/year for auto fee waiver
Miles Earning Rate1.2 base mpd + 1.8 bonus mpd local and online spending

3 mpd on SIA, Scoot, KrisFlyer spending
1.1 mpd on local spending

2 mpd on overseas spending in June and December

3.1 mpd for Grab spending 
10X Rewards points (4 miles) on online shopping, Grab, Gojek, food delivery, and any store that sells shoes and bags and clothes50 OCBC$ (20 miles) for every S$5 spent on eligible purchases

2 miles on all other spend
Miles CapNoneS$200/month for Grab transactions. No cap for base ratesFirst $1,000/month. Subsequent spending = 0.4mpd120,000 OCBC$ annually (48,000 miles)
Welcome Bonus3,000 miles (Charge >S$5 on first transaction)5,000 miles after first transaction30,000 Citi ThankYou Points when you spend S$3,000 in the first 3 monthsNone
Renewal Bonus10,000 milesN.AN.AN.A

Judging by this snapshot, the UOB KrisFlyer card (1.2 mpd) is still the best compared with other cards. But if we were to compare the bonus rates for specific categories, then cards like the Citi Rewards Card or the OCBC Titanium Card would be a better choice. 

The UOB KrisFlyer card is the best option if you’re on a budget but still want to save miles for the occasional getaway via SIA. No other card gives you bonus rates on things like dining and public transport, though there are many that offer bonus miles for Grab or other private car services. 

Still, you’ll need to watch out for the list of merchants on UOB$ program to maximise your miles earning rate.

On the other hand, if you’re spending a significant amount on online shopping (e.g. Taobao, Amazon, food delivery) we’d suggest the Citi Rewards or OCBC Titanium Card instead. The 4mpd bonus rate is hard to beat, provided you stay below the miles cap for each card.

Whom This Card is Best For

This card is definitely not the best in the market if you’re a frequent online shopper for all your needs. Users who frequent places such as Cathay, Shell, Guardian, and Giant are also better off looking for another card with higher cashback rates.

For the loyal SIA or Scoot passengers, this card would be a great option for you. You’re more likely to hit the S$500 minimum SIA spending requirement to qualify for the 3mpd bonus rates. You’ll also be able to unlock exclusive Scoot privileges and expedite your KrisFlyer membership to Elite Silver for greater SIA related travel perks.