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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