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KrisFlyer UOB Credit Card

Miles card by UOB · Easy · No minimum spend

Earns 3 mpd on singapore Airlines, Scoot, KrisShop, Kris+ and Pelago. Everything else in S$ earns 1.2 mpd. Annual fee: S$196.20, 1st year free.

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Best rate3 mpdSingapore Airlines, Scoot, KrisShop, Kris+ and…

Everything else1.2 mpdin S$

Bonus capNo cap

Annual feeS$196.201st year free

Checked against UOB's own terms on 8 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago	Any way of paying	3 mpd
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

Base: 6 KrisFlyer miles per S$5 (1.2 mpd) on all eligible spend, local or foreign currency.
Singapore Airlines, Scoot and KrisShop: 15 miles per S$5 (3 mpd).
Kris+ and Pelago: 15 miles per S$5 (3 mpd).
KrisShop: KrisShopper members get 2 more mpd from KrisShop (5 mpd total) until 31 Dec 2026.
Dining, Online Shopping, Online Travel and Transport: an extra 6 miles per S$5 (2.4 mpd total) if Singapore Airlines Group spend (SIA, Scoot, KrisShop) is at least S$1,000 in the Card Membership Year. Credited the month after the membership year ends.
Card Membership Year: 12 months starting from the month the card was approved.
Miles are calculated at each calendar month-end. No earn cap stated.
Pelago bonus: 600 miles for S$300+ on Pelago in a calendar month (1 Jul to 31 Dec 2026; card details entered, not Apple/Google Pay).

Where the bonus applies

Singapore Airlines Group: Singapore Airlines, Scoot and KrisShop (not Kris+ or Pelago)
Kris+: card transactions on the Kris+ app
Dining: MCC 5812, 5813, 5814; food delivery under 4121 and descriptors such as DELIVEROO*, DELIVERY HERO*, FOODPANDA*
Online Shopping (fashion websites): 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 (Shopee, Lazada and Qoo10 only); excludes 5734, 5964-5970, 5992
Online Travel: Agoda, Airbnb, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com (official websites or apps)
Transport: BUS/MRT* descriptor; MCC 4121 (taxis and ride-hailing)

Earns nothing on

NETS transactions, 0% instalments, SmartPay, personal loans, balance/funds transfers and cash advances
Fees, interest, finance and late charges, annual fees, UOB Payment Facility amounts, reversals
Prepaid card top-ups, brokerage/securities, gambling and trading
UOB$ merchants and SPC service stations
Descriptors such as AXS*, AMAZE*, TRANSIT*, EZ-Link, YOUTRIP*, IPAYMY*, RWS-LEVY*, SMOOVE PAY*, SINGPOST-SAM*, RazerPay*, NORWDS* and…

See all 6

NETS transactions, 0% instalments, SmartPay, personal loans, balance/funds transfers and cash advances
Fees, interest, finance and late charges, annual fees, UOB Payment Facility amounts, reversals
Prepaid card top-ups, brokerage/securities, gambling and trading (including shares and crypto)
UOB$ merchants and SPC service stations
Descriptors such as AXS*, AMAZE*, TRANSIT*, EZ-Link, YOUTRIP*, IPAYMY*, RWS-LEVY*, SMOOVE PAY*, SINGPOST-SAM*, RazerPay*, NORWDS* and listed trading platforms
Excluded MCCs: 4829, 4900, 5199, 5960, 5965, 5993, 6012, 6050, 6051, 6211, 6300, 6399, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8011, 8062, 8099, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405

Fees and limits

Annual feeS$196.20 incl. GST, first year waived. First supplementary card S$98.10 (UOB annual fees page). Paying the full annual fee earns 10,000 KrisFlyer miles within 3 months.

Minimum incomeNot confirmed on UOB's current product page.

Overseas fee3.25% foreign currency factor on non-SGD transactions; 1% International Processing fee on SGD transactions processed outside Singapore (KrisFlyer UOB T&Cs, clause 9).

Rewards expiryMiles are credited to KrisFlyer and follow KrisFlyer's own rules; no UOB points to expire.

Turning rewards into miles or cashEarns KrisFlyer miles directly: 6 miles per S$5 (1.2 mpd) base; 15 miles per S$5 (3 mpd) on SIA Group, Kris+ and Pelago; an extra 6 miles per S$5 (2.4 mpd total) on accelerated categories. Credited monthly to the principal's KrisFlyer account.

Good to know

2.4 mpd on dining, online shopping, online travel and transport only if you spend at least S$1,000 a card membership year on Singapore Airlines, Scoot and KrisShop. The extra 1.2 mpd is credited after the membership year ends. Otherwise everything earns 1.2 mpd.

3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago. Cardinko can't tell these apart from other travel, so it isn't modelled. Kris+ and Pelago don't count towards the S$1,000.

Online travel only counts at Agoda, Airbnb, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka and Trip.com websites/apps; Cardinko applies 2.4 mpd to all online travel.

Miles go straight to your KrisFlyer account each month. No earn cap. SPC petrol stations earn nothing.

Cardinko starts this card at 1.2 mpd everywhere. If you spend S$1,000 a year on Singapore Airlines, Scoot and KrisShop, set that under My boosts to get 2.4 mpd on dining, online shopping, online travel and transport.

KrisShop's extra 2 mpd for KrisShopper members ends on 1 Jan 2027 (UOB's 3 mpd on KrisShop continues).

The 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago counts when you search or log that merchant.

Where these facts come from

Terms and Conditions Governing KrisFlyer UOB Credit Cardv1.4, effective 1 Jul 2026

KrisFlyer UOB Credit Card product page

UOB credit card annual fees

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