Miles vs Cashback

KrisFlyer UOB Credit Card

Co-branded card that auto-credits KrisFlyer miles, with bonus rates on SIA, dining and online spend.

Issuer
UOB
Network
Mastercard
Rewards
Miles
Annual fee
Annual fee — often waivable
Beginner-friendly
TravelDiningOnline shoppingTransport

Pros

  • +Miles auto-credit to KrisFlyer monthly, no transfer fee
  • +Up to 3 mpd on SIA Group, up to 2.4 mpd on dining/online
  • +Bonus rates are uncapped (no annual limit)
  • +Scoot perks: priority check-in and seat selection

Cons

  • Bonus miles can take up to 14 months to credit
  • Everyday bonus rates need annual SIA Group spend first
  • No complimentary lounge access; weak base earn rate
Annual feeS$196.20as of 16 Jun 2026
Miles per $1 (local)1.2 mpdas of 16 Jun 2026
Miles per $1 (foreign)1.2 mpdas of 16 Jun 2026
Min. income (S'porean/PR)S$30,000/yras of 16 Jun 2026
Min. income (foreigner)S$40,000/yras of 16 Jun 2026

Eligibility: Min age 21. Singaporeans/PR need S$30,000 income (S$15,000 if 56+); foreigners need S$40,000 income or a S$10,000 fixed deposit collateral.

Who it’s for

The KrisFlyer UOB Credit Card is a air miles card from UOB, best suited to people who spend on travel, dining, online shopping and transport. It's beginner-friendly. It carries an annual fee that can often be waived — confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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