Looking to hack your way to a Singapore Airlines Business Class seat?
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:
- What is the KrisFlyer UOB Credit Card?
- Accelerated Miles
- Eligibility & Income Requirements
- Benefits
- Lounge Access & Annual Fee
- Which UOB Card is Best for Miles?
- KrisFlyer UOB Credit Card Review
- Pro Tip: Using YouTrip for Overseas Spending
- FAQs: Krisflyer UOB Credit Card
What is the KrisFlyer UOB Credit Card?
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:
- Direct Accrual: Miles go straight to your KrisFlyer account — no separate rewards wallet.
- Automatic Monthly Conversion: Your base miles (1.2 mpd) are deposited monthly.
- No Conversion Fees: Save the standard S$25 fee usually charged to move points to airlines.
- Ecosystem Perks: Bonus earn rates and specific travel benefits for Singapore Airlines, Scoot, and KrisShop.
📖 Related guide: Maribank Singapore Guide: Credit Card, Interest Rates, Fees & Overseas Spending
KrisFlyer UOB Credit Card Accelerated Miles
- 3 mpd: On Singapore Airlines, Scoot, KrisShop, Kris+, and Pelago.
- 2.4 mpd (Accelerated): On Dining, Food Delivery, Online Shopping, Online Travel, and Transport (Taxis/SimplyGo).
- 1.2 mpd: On everything else.
❗️ 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)
Eligibility & Income Requirements
Applying for the card is relatively straightforward, provided you meet the following criteria:
- Age: 21 years and above.
- Income Requirement (Singaporeans/PR): S$30,000 per year.
- Income Requirement (Foreigners): S$40,000 per year.
- Secured Option: If you don’t meet the income criteria, you may apply with a S$10,000 fixed deposit as collateral.
📖 Related guide: UOB Lady’s Solitaire Card Guide: Benefits, Categories, Income Requirements
What are the Benefits of the KrisFlyer UOB Card?
Beyond miles, the card offers specific perks for those who frequent Changi Airport:
1. Exclusive Scoot Perks
Budget travellers get decent perks (when booking via the UOB x Scoot portal):
- Extra 5kg baggage: When you buy at least 20kg (Principal cardholder only).
- Priority Boarding & Check-in: Through the “BoardMeFirst” service.
- Free Standard Seat Selection: For the principal cardholder and travel companions on the same booking.
❗ Note: The booking flexibility waiver was removed in June 2024, and a 2.2% payment fee applies to Scoot bookings as of 2025.
2. Fast Track to Elite Status
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
Lounge Access & Annual Fee
One major downside? There is no KrisFlyer UOB Credit Card lounge access.
- Annual Fee: S$196.20 (waived for the first year).
- Renewal Bonus: You get 10,000 KrisFlyer miles when you pay the annual fee (credited within 3 months).
📖 Related guide: UOB Mighty FX Review: Rates, Fees & Benefits
Which UOB Card is Best for Miles?
It depends on your spending style:
- KrisFlyer UOB: Best for those who spend heavily on dining/transport and don’t mind waiting for their miles.
- UOB PRVI Miles: Better for high earners who want 2.4 mpd on overseas spend, 3 mpd on select regional currencies, immediate access to miles, and 4 free lounge visits (though still subject to bank fees).
- UOB Lady’s Card: Best for 4 mpd on a chosen category.
📖 Related Guide: YouTrip Exchange Rates: Everything You Need to Know
KrisFlyer UOB Credit Card Review
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:
- 3 mpd on SIA Group spend
- 2.4 mpd (uncapped) on dining, transport, and online shopping
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:
- S$1,000 annual SIA spend required to unlock the 2.4 mpd.
Miss it, and every day spend drops to 1.2 mpd. - Bonus miles are delayed. They’re credited in a lump sum (up to 14 months later), which shortens your usable miles window and effectively locks you in.
Bottom Line:
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
Pro Tip: Using YouTrip for Overseas Spending
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:
- UOB: Use KrisFlyer UOB for the airfare (3.0 mpd, no FX fee if in SGD).
- YouTrip: Switch to YouTrip for your meals and shopping on the ground. With 0% FX fees and wholesale exchange rates, the cash you save in your pocket is far more valuable than the low-tier miles you’d earn on a credit card.
📖 Related Guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
Why YouTrip is the better travel companion:
- 0% FX Fees: You get the wholesale exchange rate with no markups.
- Best for everyday overseas spending: Use your KrisFlyer UOB for the flights (to get 3 mpd), but switch to YouTrip for your meals and shopping on the ground to save that 3.25% fee.
- Stacking: You save more in cold, hard cash with YouTrip than you would earn back in miles value on general overseas spend.
FAQs: Krisflyer UOB Credit Card
Q: How much is 10,000 KrisFlyer miles worth in SGD?
As of 2026, the value depends on how you use them:
- Flight Redemptions: Approx. S$110 to S$150 (1.1 to 1.5 cents per mile) for Economy/Premium Economy.
- Cash + Miles: Singapore Airlines now values 100 miles at S$1, making 10,000 miles worth S$100.
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)
The Smarter Alternative for Travel
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.
Not on YouTrip yet? Get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
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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