If you’ve searched the KrisFlyer UOB Credit Card, you know it’s often touted as the “all-in-one” card for miles enthusiasts. But in 2026, with shifting earn rates and a crowded travel card market, does it still deserve a spot in your wallet?
In this review, we’ll break down the KrisFlyer UOB Credit Card benefits, miles, fees, and how it stacks up against alternatives like YouTrip for overseas spending.
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TLDR: KrisFlyer UOB Credit Card at a Glance | Feature | Details |
|---|---|
| Base Local Earn Rate | 1.2 KrisFlyer Miles per S$1 |
| Accelerated Miles (Selected Categories) | 2.4 mpd (Dining, Transport, Online) |
| SIA Group Earn Rate | 3 mpd (SIA, Scoot, KrisShop, Pelago) |
| Annual Fee | S$196.20 (First year waived) |
| Renewal Bonus | 10,000 miles (upon annual fee payment) |
| Lounge Access | None |
| The Catch | Bonus miles credit once a year; requires S$1,000/year SIA group spend to unlock 2.4 mpd |
| Eligibility | 21+ years; S$30k/year (Local/PR) & S$40k/year (Foreigner) |
| Best For | SQ/Scoot loyalists and daily local spending |
Table of Contents:Image credits: UOB Singapore
The KrisFlyer UOB Credit Card is a co-branded Mastercard issued by UOB in partnership with Singapore Airlines. It is designed for “mileage hackers” who want a seamless way to stack miles through daily expenses without the hassle of manual points conversion.
Unlike traditional rewards cards, this card offers:
Related guide: Maribank Singapore Guide: Credit Card, Interest Rates, Fees & Overseas Spending
Requirement (2026): To trigger the 2.4 mpd rate on dining and transport, you must spend at least S$1,000 annually on SIA, Scoot, or KrisShop. If you don’t hit this, those categories drop to a measly 1.2 mpd.
Expert Tip: Because bonus miles take up to 14 months to reach your account, use this for long-term goals. For immediate “cash-back” value when travelling, YouTrip remains the fastest way to save on every transaction.
Related guide: Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)
Applying for the card is relatively straightforward, provided you meet the following criteria:
Related guide: UOB Lady’s Solitaire Card Guide: Benefits, Categories, Income Requirements
Beyond miles, the card offers specific perks for those who frequent Changi Airport:
Budget travellers get decent perks (when booking via the UOB x Scoot portal):
Note: The booking flexibility waiver was removed in June 2024, and a 2.2% payment fee applies to Scoot bookings as of 2025.
Spend S$5,000 on Singapore Airlines, Scoot, or KrisShop transactions within your first year to get fast-tracked to KrisFlyer Elite Silver.
Spending on Kris+ or Pelago generally does not count toward the S$5,000 fast-track requirement, even though they earn 3 mpd.
Note: The upgrade to Silver only happens after your first card anniversary, so you won’t get the status perks for any flights taken during that first year.
Related guide: UOB Lady’s Card Guide: Categories, Fees, Miles Earn Rate
One major downside? There is no KrisFlyer UOB Credit Card lounge access.
Related guide: UOB Mighty FX Review: Rates, Fees & Benefits
It depends on your spending style:
Related Guide: YouTrip Exchange Rates: Everything You Need to Know
If you frequently fly Singapore Airlines or Scoot, this card is straightforward: miles are credited directly to your KrisFlyer account every month. No transfers, no conversion fees.
You earn:
The uncapped 2.4 mpd is a real advantage — many competitors cap bonus spend at S$1,000–S$2,000 per month.
What to watch:
Strong for SIA loyalists who can meet the S$1,000 requirement. Average if you can’t.
Use this card as your daily driver for local dining, transport, and online spend — but consider switching to YouTrip the moment you land overseas.
Related Guide: UOB One Account Singapore Guide: UOB One Card, Interest Rates, Fees
While the KrisFlyer UOB Card earns 1.2 mpd on general overseas spend, it also comes with a 3.25% foreign currency (FCY) fee.
Let’s do the math: If you spend S$1,000 in Tokyo, you pay ~S$32.50 in fees just to earn 1,200 miles. That’s effectively buying miles at a very high price.
The Smart Strategy:
Related Guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
Q: How much is 10,000 KrisFlyer miles worth in SGD?
As of 2026, the value depends on how you use them:
Q: Is the annual fee worth the 10,000 miles?
The S$196.20 fee is slightly higher than the mile value (~S$150). It’s worth it if you use the Scoot perks; otherwise, use YouTrip to save on fees and put that money toward a ticket instead!
Q: When do the accelerated miles get credited to my account?
Base miles (1.2 mpd) credited monthly. Bonus awarded one month after membership year ends, credited the following month (up to 14 months total from spend)
Looking for a simple, fee-free way to spend abroad? YouTrip is a modern multi-currency card that lets you lock in 12 currencies and spend in 150+ countries, with zero FX fees, no hidden markups, and no annual fees — a smart choice for Singaporeans travelling in 2026.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Bon voyage!
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