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Amex KrisFlyer Ascend Credit Card
Miles card by American Express · Easy · No minimum spend
Earns 2 mpd on singapore Airlines, Scoot, KrisShop and Pelago (in SGD). Everything else in S$ earns 1.2 mpd. Annual fee: S$397.85.
Checked against American Express's own terms on 8 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Singapore Airlines, Scoot, KrisShop and Pelago (in SGD) | Any way of paying | 2 mpd |
| Grab Singapore (in the Grab app) | Any way of paying | 2 mpd up to S$200 of spend |
| Everything else, in S$ | Any way of paying | 1.2 mpd |
| Everything else, in a foreign currency | Any way of paying | 1.2 mpd |
The bank's full earning rules
- 1.2 KrisFlyer miles per S$1 on eligible purchases, local and overseas, uncapped.
- 2 miles per S$1 on Singapore Airlines and Scoot flights originating from Singapore, bought in SGD direct (singaporeair.com, SingaporeAir app, phone; flyscoot.com, Scoot app).
- 2 miles per S$1 on KrisShop purchases in SGD (onboard or krisshop.com) and Pelago bookings in SGD (pelago.com or app, excluding Apple Pay/Google Pay).
- Up to 2 miles per S$1 on Grab Singapore transactions in the Grab app, on up to S$200 per calendar month. Above S$200, the standard rate applies.
- 18,000-mile voucher for S$10,000+ foreign-currency spend between 1 Nov 2025 and 31 Oct 2026.
- 10,000-mile renewal voucher each time the annual fee is paid (valid 12 months).
- Welcome offer for applications 1 Oct 2026 to 31 Jan 2027: up to 45,000 miles (new to Amex) or 25,000 (existing), with annual fee payment and S$5,000 spend within 6 months. Extra S$100 eCapitaVoucher for applications to 1 Nov 2026.
Where the bonus applies
- Singapore Airlines and Scoot: flights from Singapore bought in SGD directly from the airline
- KrisShop: onboard SIA flights and krisshop.com, in SGD
- Pelago: pelago.com and Pelago app, in SGD, not via digital wallets
- Grab: Grab Singapore transactions in the Grab app (not GrabPay top-ups)
Earns nothing on
- Cash advances, Express Cash and Travellers Cheque purchases
- Finance charges, interest, late and collection fees, annual fees, balance transfers and instalment plans
- Bill payments and SingPost transactions (SAM kiosks, app, online), utilities, and insurance
- Public/restructured hospitals, polyclinics and healthcare facilities
- Singapore trains and buses
See all 10
- Cash advances, Express Cash and Travellers Cheque purchases
- Finance charges, interest, late and collection fees, annual fees, balance transfers and instalment plans
- Bill payments and SingPost transactions (SAM kiosks, app, online), utilities, and insurance (except via Amex's authorised channel)
- Public/restructured hospitals, polyclinics and healthcare facilities
- Singapore trains and buses (descriptor "BUS/MRT")
- SPC service stations
- Stored value card purchases and top-ups, and wallet top-ups such as GrabPay and ShopeePay (from 30 Sep 2025)
- Purchases of KrisFlyer miles, Membership Rewards points or HighFlyer Points
- Overseas tax refunds, education, and non-profit/charitable transactions
- Any merchant Amex excludes at its discretion and notifies to Card Members
Fees and limits
Good to know
Uncapped 1.2 mpd on all eligible spend, local or foreign currency. Miles go straight to your KrisFlyer account each month.
2 mpd on Singapore Airlines and Scoot flights from Singapore booked direct in SGD, KrisShop (onboard or krisshop.com) and Pelago (pelago.com/app, not via Apple Pay or Google Pay). Other airlines and hotels earn 1.2 mpd. KrisShop counts here even though it's shopping.
Grab: up to 2 mpd on the first S$200 of Grab Singapore spend each calendar month; GrabPay top-ups earn nothing.
18,000-mile voucher for S$10,000+ foreign-currency spend between 1 Nov 2025 and 31 Oct 2026; not modelled.
Fast track to KrisFlyer Elite Gold: S$15,000 spend incl. S$5,000 with the SIA Group by 16 Dec 2026 (limited time), or S$15,000 on SIA/Scoot flights within 12 months of approval; not modelled.
Welcome offer (apply 1 Oct 2026 to 31 Jan 2027): up to 45,000 miles new to Amex / 25,000 existing, needs annual fee payment and S$5,000 spend in 6 months; not modelled.
The 2 mpd on Singapore Airlines, Scoot, KrisShop, Pelago and Grab counts when you search or log that merchant; Explore's yearly figures use 1.1/1.2 mpd for travel and taxis.
Where these facts come from
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