{"id":83878,"date":"2026-03-03T16:16:17","date_gmt":"2026-03-03T08:16:17","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=83878"},"modified":"2026-03-11T11:41:52","modified_gmt":"2026-03-11T03:41:52","slug":"krisflyer-uob-credit-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/krisflyer-uob-credit-card\/","title":{"rendered":"KrisFlyer UOB Credit Card Review 2026: Miles, Fees, Benefits"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Looking to hack your way to a Singapore Airlines Business Class seat?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If you\u2019ve searched the <strong>KrisFlyer UOB Credit Card<\/strong>, you know it\u2019s often touted as the \u201call-in-one\u201d 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?&nbsp;<\/p>\n\n\n\n<p>In this review, we\u2019ll break down the KrisFlyer UOB Credit Card benefits, miles, fees, and how it stacks up against alternatives like <strong>YouTrip <\/strong>for overseas spending.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><\/p>\n\n\n\n<p>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/1-sgd-to-usd\/\">SGD to USD Guide 2026: Exchange Rate, Forecast &amp; Best Way to Convert<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\">Thailand ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2026<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/marukyu-koyamaen-matcha\/\">Marukyu Koyamaen Matcha 2026: Best Matcha to Try, Prices &amp; Where to Buy<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tldr\"><strong><strong><strong><strong><strong>\u26a1 TLDR: <strong><strong><strong>KrisFlyer UOB Credit Card at a Glance&nbsp;<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Feature<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Details<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Base Local Earn Rate<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1.2 KrisFlyer Miles per S$1<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Accelerated Miles (Selected Categories)<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">2.4 mpd (Dining, Transport, Online)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>SIA Group Earn Rate&nbsp;<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">3 mpd (SIA, Scoot, KrisShop, Pelago)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Annual Fee<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">S$196.20 (First year waived)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Renewal Bonus<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">10,000 miles (upon annual fee payment)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Lounge Access<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>The Catch<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Bonus miles credit once a year; requires S$1,000\/year SIA group spend to unlock 2.4 mpd<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Eligibility&nbsp;<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">21+ years; S$30k\/year (Local\/PR) &amp; S$40k\/year (Foreigner)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Best For<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">SQ\/Scoot loyalists and daily local spending<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcda <strong>Table of Contents:<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><a href=\"#what-is-krisflyer-uob-credit-card\">What is the KrisFlyer UOB Credit Card?<\/a><\/strong><\/li>\n\n\n\n<li><strong><strong><a href=\"#accelerated-miles\">Accelerated Miles<\/a><\/strong><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#eligibility-income-requirements\">Eligibility &amp; Income Requirements<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#benefits\">Benefits<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#lounge-access-annual-fee\">Lounge Access &amp; Annual Fee<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#which-uob-card-best-for-miles\">Which UOB Card is Best for Miles?<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#review\">KrisFlyer UOB Credit Card Review<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#youtrip-for-overseas-spending\">Pro Tip: Using YouTrip for Overseas Spending<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#faqs\">FAQs: Krisflyer UOB Credit Card<\/a><\/strong><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-krisflyer-uob-credit-card\"><strong><strong><strong>What is the KrisFlyer UOB Credit Card?<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"721\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/image-1024x721.png\" alt=\"KrisFlyer UOB Credit Card\" class=\"wp-image-83881\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/image-1024x721.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/image-300x211.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/image-768x540.png 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/image.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\"><em>Image credits: <em>UOB Singapore<\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The <strong>KrisFlyer UOB Credit Card<\/strong> is a co-branded Mastercard issued by UOB in partnership with Singapore Airlines. It is designed for \u201cmileage hackers\u201d who want a seamless way to stack miles through daily expenses without the hassle of manual points conversion.<\/p>\n\n\n\n<p>Unlike traditional rewards cards, this card offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Direct Accrual:<\/strong> Miles go straight to your KrisFlyer account \u2014 no separate rewards wallet.<\/li>\n\n\n\n<li><strong>Automatic Monthly Conversion:<\/strong> Your base miles (1.2 mpd) are deposited monthly.<\/li>\n\n\n\n<li><strong>No Conversion Fees:<\/strong> Save the standard S$25 fee usually charged to move points to airlines.<\/li>\n\n\n\n<li><strong>Ecosystem Perks:<\/strong> Bonus earn rates and specific travel benefits for Singapore Airlines, Scoot, and KrisShop.<\/li>\n<\/ul>\n\n\n\n<p><em>\ud83d\udcd6 Related guide<strong>: <\/strong><a href=\"https:\/\/www.you.co\/sg\/blog\/maribank-singapore-guide\/\"><strong>Maribank Singapore Guide: Credit Card, Interest Rates, Fees &amp; Overseas Spending<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"accelerated-miles\"><strong><strong><strong>KrisFlyer UOB Credit Card Accelerated Miles<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3 mpd:<\/strong> On Singapore Airlines, Scoot, KrisShop, Kris+, and Pelago.<\/li>\n\n\n\n<li><strong>2.4 mpd (Accelerated):<\/strong> On Dining, Food Delivery, Online Shopping, Online Travel, and Transport (Taxis\/SimplyGo).<\/li>\n\n\n\n<li><strong>1.2 mpd:<\/strong> On everything else.<\/li>\n<\/ul>\n\n\n\n<p>\u2757\ufe0f <strong>Requirement (2026):<\/strong> To trigger the 2.4 mpd rate on dining and transport, you must spend at least <strong>S$1,000 annually<\/strong> on SIA, Scoot, or KrisShop. If you don&#8217;t hit this, those categories drop to a measly 1.2 mpd.<\/p>\n\n\n\n<p><strong>\ud83d\udca1 Expert Tip:<\/strong> Because bonus miles take up to 14 months to reach your account, use this for long-term goals. For immediate &#8220;cash-back&#8221; value when travelling, <strong>YouTrip<\/strong> remains the fastest way to save on every transaction.<\/p>\n\n\n\n<p><em>\ud83d\udcd6 Related guide<strong>: <\/strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\"><strong>Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility-income-requirements\"><strong><strong><strong><strong><strong><strong>Eligibility &amp; Income Requirements<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Applying for the card is relatively straightforward, provided you meet the following criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Age:<\/strong> 21 years and above.<\/li>\n\n\n\n<li><strong>Income Requirement (Singaporeans\/PR):<\/strong> S$30,000 per year.<\/li>\n\n\n\n<li><strong>Income Requirement (Foreigners):<\/strong> S$40,000 per year.<\/li>\n\n\n\n<li><strong>Secured Option:<\/strong> If you don\u2019t meet the income criteria, you may apply with a <strong>S$10,000 fixed deposit<\/strong> as collateral.<\/li>\n<\/ul>\n\n\n\n<p><em>\ud83d\udcd6 Related guide<strong>:<\/strong> <a href=\"https:\/\/www.you.co\/sg\/blog\/uob-ladys-solitaire-card-guide\/\"><strong>UOB Lady\u2019s Solitaire Card Guide: Benefits, Categories, Income Requirements<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits\"><strong><strong><strong><strong>What are the Benefits of the KrisFlyer UOB Card?<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Beyond miles, the card offers specific perks for those who frequent Changi Airport:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Exclusive Scoot Perks<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<p>Budget travellers get decent perks (when booking via the UOB x Scoot portal):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Extra 5kg baggage:<\/strong> When you buy at least 20kg (Principal cardholder only).<\/li>\n\n\n\n<li><strong>Priority Boarding &amp; Check-in:<\/strong> Through the &#8220;BoardMeFirst&#8221; service.<\/li>\n\n\n\n<li><strong>Free Standard Seat Selection:<\/strong> For the principal cardholder and travel companions on the same booking.<\/li>\n<\/ul>\n\n\n\n<p>\u2757 Note: The booking flexibility waiver was <strong>removed <\/strong>in June 2024, and a <strong>2.2% payment fee<\/strong> applies to Scoot bookings as of 2025.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Fast Track to Elite Status<\/strong><\/h3>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Spend <strong>S$5,000<\/strong> on Singapore Airlines, Scoot, or KrisShop transactions within your first year to get fast-tracked to <strong>KrisFlyer Elite Silver<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Spending on Kris+ or Pelago generally does <strong>not<\/strong> count toward the S$5,000 fast-track requirement, even though they earn 3 mpd.<\/p>\n\n\n\n<p><strong>Note:<\/strong> The upgrade to Silver only happens <strong>after<\/strong> your first card anniversary, so you won&#8217;t get the status perks for any flights taken during that first year.<\/p>\n\n\n\n<p><em>\ud83d\udcd6 Related guide<strong>:<\/strong> <a href=\"https:\/\/www.you.co\/sg\/blog\/uob-lady-card\/\"><strong>UOB Lady\u2019s Card Guide: Categories, Fees, Miles Earn Rate<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"lounge-access-annual-fee\"><strong><strong><strong>Lounge Access &amp; Annual Fee<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>One major downside? There is <strong>no KrisFlyer UOB Credit Card lounge access<\/strong>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee:<\/strong> S$196.20 (waived for the first year).<\/li>\n\n\n\n<li><strong>Renewal Bonus:<\/strong> You get <strong>10,000 KrisFlyer miles<\/strong> when you pay the annual fee (credited within 3 months).<\/li>\n<\/ul>\n\n\n\n<p><em>\ud83d\udcd6 Related guide<strong>:<\/strong> <a href=\"https:\/\/www.you.co\/sg\/blog\/uob-mighty-fx-guide\/\"><strong>UOB Mighty FX Review: Rates, Fees &amp; Benefits<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"which-uob-card-best-for-miles\"><strong><strong><strong><strong>Which UOB Card is Best for Miles?<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>It depends on your spending style:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>KrisFlyer UOB:<\/strong> Best for those who spend heavily on dining\/transport and don&#8217;t mind waiting for their miles.<br><\/li>\n\n\n\n<li><strong>UOB PRVI Miles:<\/strong> Better for high earners who want <strong>2.4 mpd on overseas spend<\/strong>, 3 mpd on select regional currencies, immediate access to miles, and 4 free lounge visits (though still subject to bank fees).<br><\/li>\n\n\n\n<li><strong>UOB Lady\u2019s Card:<\/strong> Best for <strong>4 mpd<\/strong> on a chosen category.<\/li>\n<\/ul>\n\n\n\n<p><em>\ud83d\udcd6<\/em> <em>Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-exchange-rates\/\"><strong>YouTrip Exchange Rates: Everything You Need to Know<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"review\"><strong><strong>KrisFlyer UOB Credit Card Review<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>You earn:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3 mpd<\/strong> on SIA Group spend<\/li>\n\n\n\n<li><strong>2.4 mpd (uncapped)<\/strong> on dining, transport, and online shopping<\/li>\n<\/ul>\n\n\n\n<p>The uncapped 2.4 mpd is a real advantage \u2014 many competitors cap bonus spend at S$1,000\u2013S$2,000 per month.<\/p>\n\n\n\n<p>What to watch:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>S$1,000 annual SIA spend required<\/strong> to unlock the 2.4 mpd.<br>Miss it, and every day spend drops to <strong>1.2 mpd<\/strong>.<\/li>\n\n\n\n<li><strong>Bonus miles are delayed. <\/strong>They\u2019re credited in a lump sum (up to 14 months later), which shortens your usable miles window and effectively locks you in.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"overseas-transfers\"><strong><strong><strong><strong>Bottom Line:<\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Strong for SIA loyalists who can meet the S$1,000 requirement. Average if you can\u2019t.<\/p>\n\n\n\n<p>Use this card as your daily driver for local dining, transport, and online spend \u2014 but consider switching to YouTrip the moment you land overseas.<\/p>\n\n\n\n<p><em>\ud83d\udcd6<\/em> <em>Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/uob-one-account-singapore\/\"><strong>UOB One Account Singapore Guide: UOB One Card, Interest Rates, Fees<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"youtrip-for-overseas-spending\"><strong><strong><strong><strong>Pro Tip: Using YouTrip for Overseas Spending&nbsp;<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-1024x1024.png\" alt=\"krisflyer uob credit card: YouTrip\" class=\"wp-image-76560\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-1024x1024.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-300x300.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-150x150.png 150w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1-768x768.png 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/07\/using-youtrip-in-korea-1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>While the KrisFlyer UOB Card earns 1.2 mpd on general overseas spend, it also comes with a <strong>3.25% foreign currency (FCY) fee<\/strong>.<\/p>\n\n\n\n<p>Let\u2019s do the math: If you spend S$1,000 in Tokyo, you pay <strong>~S$32.50 in fees<\/strong> just to earn 1,200 miles. That\u2019s effectively buying miles at a very high price.<\/p>\n\n\n\n<p>\u2696\ufe0f <strong>The Smart Strategy:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>UOB: <\/strong>Use KrisFlyer UOB for the airfare (3.0 mpd, no FX fee if in SGD).<br><\/li>\n\n\n\n<li><strong>YouTrip: <\/strong>Switch to YouTrip for your meals and shopping on the ground. With <strong>0% FX fees<\/strong> and wholesale exchange rates, the cash you save in your pocket is far more valuable than the low-tier miles you&#8217;d earn on a credit card.<\/li>\n<\/ul>\n\n\n\n<p><em>\ud83d\udcd6<\/em> <em>Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\"><strong>Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"verdict\"><strong><strong><strong>Why YouTrip is the better travel companion:<\/strong><\/strong><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0% FX Fees:<\/strong> You get the wholesale exchange rate with no markups.<br><\/li>\n\n\n\n<li><strong>Best for everyday overseas spending:<\/strong> Use your KrisFlyer UOB for the flights (to get 3 mpd), but switch to <strong>YouTrip<\/strong> for your meals and shopping on the ground to save that 3.25% fee.<br><\/li>\n\n\n\n<li><strong>Stacking:<\/strong> You save more in cold, hard cash with YouTrip than you would earn back in miles value on general overseas spend.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\"><strong><strong><strong><strong>FAQs: <strong>Krisflyer UOB Credit Card<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide\" style=\"padding-top:0px;padding-bottom:80px\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1773200207956\"><strong class=\"schema-faq-question\"><strong>Q: How much is 10,000 KrisFlyer miles worth in SGD?<\/strong><\/strong> <p class=\"schema-faq-answer\">As of 2026, the value depends on how you use them:<br>\u00b7 <strong>Flight Redemptions: <\/strong>Approx. <strong>S$110 to S$150<\/strong> (1.1 to 1.5 cents per mile) for Economy\/Premium Economy.<br>\u00b7 <strong>Cash + Miles: <\/strong>Singapore Airlines now values 100 miles at <strong>S$1<\/strong>, making 10,000 miles worth <strong>S$100<\/strong>.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773200474664\"><strong class=\"schema-faq-question\"><strong>Q: Is the annual fee worth the 10,000 miles? <\/strong><\/strong> <p class=\"schema-faq-answer\">The S$196.20 fee is slightly higher than the mile value (~S$150). It\u2019s worth it if you use the Scoot perks; otherwise, use YouTrip to save on fees and put that money toward a ticket instead!<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1773200484996\"><strong class=\"schema-faq-question\"><strong>Q: When do the accelerated miles get credited to my account? <\/strong><\/strong> <p class=\"schema-faq-answer\">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)<\/p> <\/div> <\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\"><strong><strong>The Smarter Alternative<\/strong> for Travel<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/07\/image1-1-1024x576.png\" alt=\"krisflyer uob credit card: YouTrip\" class=\"wp-image-80864\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/07\/image1-1-1024x576.png 1024w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/07\/image1-1-300x169.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/07\/image1-1-768x432.png 768w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/07\/image1-1-1536x864.png 1536w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/07\/image1-1-2048x1152.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Looking for a&nbsp;<strong>simple, fee-free way to spend abroad<\/strong>?&nbsp;<strong>YouTrip<\/strong>&nbsp;is a modern multi-currency card that lets you&nbsp;<strong>lock in 12 currencies<\/strong>&nbsp;and spend in&nbsp;<strong>150+ countries<\/strong>, with&nbsp;<strong>zero FX fees, no hidden markups, and no annual fees<\/strong>&nbsp;\u2014 a smart choice for Singaporeans travelling in 2026.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Not on YouTrip yet? Get a&nbsp;<strong>free YouTrip card + S$5 YouTrip credits<\/strong>&nbsp;with code&nbsp;<strong>&lt;YTBLOG5&gt;<\/strong>.<\/p>\n<\/blockquote>\n\n\n\n<p>Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">&nbsp;YouTrip Perks<\/a>&nbsp;page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. Join our Telegram (<a href=\"https:\/\/t.me\/s\/youtripsg\">@YouTripSG<\/a>) and Community Group (@YouTripSquad) for travel tips, event invites, and more!<\/p>\n\n\n\n<p>Bon voyage!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Related Articles<br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-travel-credit-cards-in-singapore-for-overseas-spending\/\">Best Singapore Credit Card For Overseas Spending<\/a><\/strong><br><a href=\"https:\/\/www.you.co\/sg\/blog\/uob-privi-miles-card\/\"><strong>UOB PRIVI Miles Card Guide: Benefits, Fees &amp; Rewards<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-place-to-exchange-money-in-singapore\/\"><strong>Money Changer Near Me: 14 Best Money Changers In Singapore<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/sg?utm_source=youtrip_blog&amp;utm_medium=banner&amp;utm_campaign=blog_footer&amp;utm_term=&amp;utm_content=\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/biz\/?utm_source=youtrip&amp;utm_medium=banner&amp;utm_campaign=blog-footer&amp;utm_content=youbiz&amp;acq=BM&amp;sub_acq=BlogFooter&amp;ad_type=Article_Awa\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Full scoop here \ud83d\udd0e<\/p>\n","protected":false},"author":75,"featured_media":83887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[621],"tags":[39145,40437],"class_list":["post-83878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","tag-finance","tag-krisflyer-uob-credit-card"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/83878","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=83878"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/83878\/revisions"}],"predecessor-version":[{"id":84390,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/83878\/revisions\/84390"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/83887"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=83878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=83878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=83878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}