Review: KrisFlyer UOB Credit Card

Here’s The MileLion’s review of the KrisFlyer UOB Credit Card, for those who want a Singapore Airlines cobrand card, but need something with wider acceptance than American Express.

While I don’t have many nice things to say about its debit card brethren, I am a much bigger fan of this card, given its uncapped bonuses on Singapore Airlines tickets, Kris+, dining, food delivery, online shopping, travel and transport. It might not be the absolute best card to use for each category, but even the most committed of miles optimisers will find it has something to offer.

KrisFlyer UOB Credit Card
🦁 MileLion Verdict
☑ Take It ☐ Take It Or Leave It ☐ Leave It
What do these ratings mean?
The KrisFlyer UOB Credit Card’s uncapped bonuses make it very handy for miles collectors, even if it isn’t the highest-earning card in each category.
👍 The good	👎 The bad
Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport Online shopping bonuses extendable to offline with Amaze No conversion fees Periodic discounts on KrisFlyer Experiences	Bonus miles delayed by up to 14 months Lacklustre Scoot and Singapore Airlines privileges No bonus for foreign currency general spend
💳 Full List of Credit Card Reviews

Overview: KrisFlyer UOB Credit Card

Let’s start this review by looking at the key features of the KrisFlyer UOB Credit Card.

KrisFlyer UOB Credit Card
Apply
Income Req.	S$30,000 p.a.	Points Validity	3 years
Annual Fee	S$196.20 (FYF)	Min. Transfer	N/A
Miles with Annual Fee	10,000	Transfer Partners	SIA
FCY Fee	3.25%	Transfer Fee	N/A
Local Earn	1.2 mpd	Points Pool?	N/A
FCY Earn	1.2 mpd	Lounge Access?	No
Special Earn	3 mpd on SIA Group, dining, online shopping & travel, transport	Airport Limo?	No
Cardholder Terms and Conditions

Be careful not to confuse the KrisFlyer UOB Credit Card with the KrisFlyer UOB Debit Card. The two sport similar designs and names, but the value proposition is altogether different.

	Credit Card	Debit Card
Min Income Req.	S$30,000	N/A
Annual Fee	$196.20	S$54.50
Base Earn Rate	1.2 mpd	0.4 mpd
Requires KrisFlyer UOB Savings Account?	No	Yes

Simply put: if you earn enough to qualify for a credit card, there’s very little reason to consider the debit card option.

How much must I earn to qualify for a KrisFlyer UOB Credit Card?

The KrisFlyer UOB Credit Card has a minimum income requirement of S$30,000 per year, the MAS-mandated minimum.

If you do not meet the minimum income requirement, it may be possible to place a S$10,000 fixed deposit with UOB to get a secured version. Contact your nearest UOB branch for more details.

Welcome offer

From 1 January to 31 March 2024, new-to-UOB customers who apply and are approved for a KrisFlyer UOB Credit Card will enjoy up to 25,000 bonus miles when they spend at least S$2,000 in the first 60 days of approval.

❓ New-to-UOB definition

New-to-UOB is defined as customers as those who: do not currently hold a principal UOB credit card, and have not cancelled a principal UOB credit card in the 6-month period before 1 Jan 2024

This is broken down into:

Bonus	Min. Spend	Cap
5,000 miles	S$5 on first trxn.	No cap
20,000 miles	S$2,000 in 60 days	No cap

5,000 miles will be awarded to cardholders who make their first spend of at least S$5. 

20,000 miles will be awarded to applicants who spend at least S$2,000 within the first 60 days of approval. 

❓ Existing UOB customer?

Existing UOB customers who apply for a KrisFlyer UOB Credit Card are eligible for the 5,000 bonus miles on first spend. However, this is a once-per-lifetime offer; if you previously held this card, you cannot receive the bonus a second time even if you sign-up again.

The first year’s annual fee of S$196.20 is automatically waived, so assuming you have spend coming up, these bonus miles are essentially “free”.

How much is the KrisFlyer UOB Credit Card’s annual fee?

	Principal Card	Supp. Card
First Year	Free	1st free, S$98.10 for 2nd onwards
Subsequent	S$196.20	1st free, S$98.10 for 2nd onwards

The KrisFlyer UOB Credit Card has an annual fee of S$196.20 for the principal cardholder, which is waived for the first year. The first supplementary card is free, but the second onwards will cost S$98.10 each.

Paying the principal card’s annual fee nets you 10,000 miles, which means buying miles at ~1.96 cents each. In my experience, it’s not too difficult to get an annual fee waiver either- refer to the article below for more details.

Credit card annual fee waivers: A bank-by-bank guide

How many miles do I earn?

🇸🇬 SGD Spend	🌎 FCY Spend	➕ Bonus Spend
1.2 mpd	1.2 mpd	3 mpd on SIA Group, Kris+, dining, food delivery, online shopping, online travel, transport

SGD/FCY Spend

KrisFlyer UOB Credit Card members earn:

• 6 KrisFlyer miles for every S$5 spent in Singapore Dollars
• 6 KrisFlyer miles for every S$5 spent in foreign currency (FCY)

That’s an equivalent earn rate of 1.2 mpd for both.

It’s a bit unusual to see a general spending card without an FCY spending bonus (although to be fair, the AMEX KrisFlyer cobrand cards don’t offer it for 10 out of 12 months a year!), and that puts it at the bottom of the pack. But, as we’ll see in a bit, this isn’t a card you get for general spending.

💳 Earn Rates for General Spending Cards (income req.: S$30K)
Cards	Local Spend	FCY Spend
UOB PRVI Miles	1.4 mpd	2.4 mpd
HSBC TravelOne Card	1.2 mpd	2.4 mpd
DBS Altitude	1.3 mpd	2.2 mpd
OCBC 90°N Card	1.3 mpd	2.1 mpd
Citi PremierMiles	1.2 mpd	2 mpd
StanChart Journey	1.2 mpd	2 mpd
AMEX KrisFlyer Ascend	1.2 mpd	2 mpd*
AMEX KrisFlyer Credit Card	1.1 mpd	2 mpd*
BOC Elite Miles	1 mpd	2 mpd
KrisFlyer UOB Credit Card	1.2 mpd	1.2 mpd
*In June and Dec only, otherwise 1.1 mpd

All overseas transactions are subject to a 3.25% fee, so using your KrisFlyer UOB Credit Card overseas represents buying miles at an unattractive 2.71 cents apiece- unless of course you tap into its bonus categories.

💳 FCY Fees by Issuer and Card Network
Issuer	↓ MC & Visa	AMEX
Standard Chartered	3.5%	N/A
American Express	N/A	3.25%
Citibank	3.25%	N/A
DBS	3.25%	3%
HSBC	3.25%	N/A
Maybank	3.25%	N/A
OCBC	3.25%	N/A
UOB	3.25%	3.25%
BOC	3%	N/A
CIMB	3%	N/A

Kris+ & SIA Group

KrisFlyer UOB Credit Cardholders will earn 15 KrisFlyer miles for every S$5 spent (3 mpd) on:

• Kris+
• SIA Group transactions, defined as:
  • Singapore Airlines
  • Scoot
  • KrisShop

This includes using your KrisFlyer UOB Credit Card to pay for taxes and surcharges on a KrisFlyer award redemption, or paying for add-on services with Scoot like luggage, seat selection and meals.

The bonus rate applies to both online and offline transactions, whether in SGD or FCY. No minimum spend is required, and there is no cap on the maximum bonus miles that can be earned.

Accelerated miles bonus

KrisFlyer UOB Credit Cardholders who spend at least S$800 on SIA Group transactions in a membership year will earn 15 KrisFlyer miles for every S$5 spent (3 mpd) on the following transactions:

• Dining and food delivery
• Online shopping
• Online travel
• Transport

This is referred to as the “Accelerated Miles bonus”, and applies to both SGD and FCY spending. Accelerated Miles will be awarded on these transactions from the start of the membership year, not just from the time the minimum spend was met.

⚠️ Reminder

SIA Group transactions do not include spending on Pelago and Kris+.

While you could earn 4-6 mpd on most of these categories with other cards, the key advantage of the KrisFlyer UOB Credit Card is the absence of a cap. This makes it ideal for big ticket purchases that would bust the cap of other cards like the DBS Woman’s World Card or UOB Lady’s Card.

⚠️ Evolution of minimum SIA Group spend

The minimum SIA Group spend required to trigger the bonus earn rate has changed several times in the past. Membership year ending April 2021 to August 2022: S$300 Membership year ending September 2022 to March 2023: S$500 Membership year ending April 2023 onwards: S$800 At this point, every cardholder should be on the S$800 scheme already.

For more on how the Accelerated Miles feature works, refer to the post below. 

How does the KrisFlyer UOB Credit Card’s Accelerated Miles feature work?

Dining & Food Delivery

MCC	Examples
5812 Eating Places and Restaurants	Crystal Jade, Imperial Treasure, Paradise Dynasty, Deliveroo*, Food Panda*, GrabFood*
5813 Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns	Brewerkz, Harry’s, Jigger & Pony
5814 Fast Food Restaurants	Burger King, KFC, McDonald’s, Subway,
*Deliveroo, Food Panda and GrabFood may also code as MCC 5814

Dining is defined as restaurants, bars, and fast food outlets. The bonus also applies to food delivery platforms such as Deliveroo, Food Panda and GrabFood.

However, the KrisFlyer UOB Credit Card’s definition of dining is more narrow compared to other cards on the market, and does not include MCC 5811 (Caterers), MCC 5441 (Candy, Nut, Confectionary Stores), MCC 5462 (Bakeries), or MCC 5499 (Misc. Food Stores). Restaurants within hotels may also not qualify for this bonus, to the extent they code as hotel spend.

🍽️ Dining Card MCC Coverage
	HSBC Revo	UOB Lady’s	KF UOB
5811 Caterers	✅	✅
5812 Restaurants	✅	✅	✅
5813 Bars & Nightclubs	✅		✅
5814 Fast Food	✅	✅	✅
5441 Candy, Nut, Confectionary Stores	✅
5462 Bakeries	✅
5499 Misc. Food Stores	✅	✅
Earn Rate	4 mpd	6 mpd	3 mpd
Monthly Cap	S$1K	S$1K/3K	No cap

Online Shopping

MCC	Examples
4816 Computer Network/ Info Services	Godaddy, Twitch, Peatix
5309 Duty Free Stores	DFS, KrisShop, The Shilla
5310 Discount Stores	N/A
5311 Department Stores	Taobao, Isetan, Marks & Spencer
5331 Variety Stores	Muji, Mustafa, Miniso
5399 Misc General Merchandise	Iuiga, Japan Home, Comgateway
5611  Men’s Clothing	Benjamin Barker, Dockers, Superdry
5621 Women’s Ready to Wear	bYSI, Coast, Forever21
5631 Women’s Accessories	Bimba Y Lola, Chomel, Coach
5641 Children’s and Infants’ Wear	Abercrombie Kids, Cotton On Kids, Kidstyle
5651 Family Clothing	ASOS, Bossini, Desigual
5661 Shoe Stores	ALDO, Bata, Birkenstock
5691 Men’s and Women’s Clothing	Prada, G2000, Ezbuy
5699 Accessory and Apparel	LeSportsac, Crumpler, Esprit
5732-5735 Electronics, Music Stores, Computer Software	Apple, Audio House, MealPal
5912 Drug Stores and Pharmacies	Guardian, NTUC Unity, Watsons
5942 Book Stores	Book Depository, Kinokuniya, Books Actually
5944-5949 Jewelry, Watches, Toys, Camera, Gift Cards, Leather Goods, Sewing	Cartier, Action City, Canon
5999 Misc. and Specialty Retail	Atome, Amazon, eBay

Online shopping covers a wide range of MCCs, including Amazon, Ezbuy, Lazada, Qoo10, Shopee, and Taobao for instance. You can also expect most major fashion retailers to be on this list, along with some unexpected ones like MealPal and hosting providers.

Remember, these transactions must be carried out online. In-store spending will not count, but fortunately there’s an easy workaround- see below!

Online Travel

MCC	Examples
Online Travel	Agoda, Airbnb, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel

Unlike the other categories, online travel is not defined by specific MCCs, but rather a specific list of merchants.

The whitelist includes all the usual suspects like Agoda, Airbnb, Hotels.com and Trip.com. For obvious reasons, the KrisFlyer UOB Credit Card can’t explicitly let you earn bonus miles with any airline outside the SIA Group, but you can still book them via Expedia or UOB Travel instead.

Transport

MCC	Examples
4111  Local Commuter Transport	BUS/MRT only
4121 Taxi and Limo	Grab, Gojek, Comfort

Transport refers to Grab, gojek, Comfort and other taxi operators. It also includes SimplyGo transactions made on buses and the MRT. 

Do note that you won’t earn any bonus miles (or base miles for that matter) if you use your card to top-up your EZ-Link balance, or pay at the General Ticketing Machines. You must tap your card (or phone, if you’ve added your card to your mobile wallet) at the gantry in order to qualify for the bonus. 

UOB$ merchants

KrisFlyer UOB Credit Cardholders will not earn any KrisFlyer miles at UOB$ merchants.

UOB$ is UOB’s card-wide cashback programme and includes Cold Storage, Crystal Jade, Giant, Guardian, Starbucks and Toast Box, among others. For the full list, refer to this link.

However, by pairing the KrisFlyer UOB Credit Card with Amaze, you can circumvent this restriction. I’ve written about this and other potential workarounds in the following post.

Workarounds: How to earn miles at UOB$ merchants with UOB cards

Tip: Pair with Amaze

Apply here

Review

Use code 7HK2A2 for 225 bonus InstaPoints

💳 tl;dr: Amaze Card

Link up to five Mastercard credit/debit cards Overseas transactions are converted into SGD (no FCY transaction fees, but subject to FX spread) and charged to the underlying credit/debit card Transaction MCC remains the same, offline transactions charged to Amaze become online transactions for the underlying credit/debit card Earn 1 InstaPoint per S$1 spent on FCY transactions of at least S$10 (except exclusion categories), capped at 500 InstaPoints per transaction Redeem InstaPoints for cashback in blocks of 2,000 InstaPoints= S$20

The KrisFlyer UOB Credit Card is an excellent candidate for pairing with Amaze, because Amaze turns offline transactions into online ones.

This allows you to enjoy all the online shopping bonuses at brick-and-mortar stores. A good example would be someone buying an expensive handbag (e.g. Louis Vuitton, MCC 5948). The transaction amount would likely bust the cap on other 4-6 mpd cards, but the Amaze x KrisFlyer UOB Credit Card will give you an uncapped 3 mpd even in-store.

Just be sure to meet the minimum SIA Group spend of S$800 per membership year!

When are KrisFlyer miles credited?

Base miles, and bonus miles from Kris+ and SIA Group transactions will be directly credited to your KrisFlyer account once per month.

It’s a different story for the bonus miles from dining, food delivery, online shopping, online travel and transport transactions. Of the 15 KrisFlyer miles per S$5 spent:

• 6 KrisFlyer miles per S$5 (1.2 mpd) will be credited at the end of each calendar month (just like all other regular transactions)
• 9 KrisFlyer miles per S$5 (1.8 mpd) will be credited two months after the end of the membership year, assuming the minimum spend on SIA Group transactions has been met

This means you could be waiting up to 14 months to receive your bonus! The delayed crediting arrangement gives rise to four problems. I’ve expounded on them in this post, but to summarise:

1. You’re locked into the card, because all pending bonus miles are forfeited if you cancel.
2. Reconciling bonus points will be a nightmare. It’s already hard enough to check transactions on a month to month basis. Imagine doing it for an entire year’s worth.
3. Because your pending bonus miles take anywhere from 2-14 months to reach you, you’re especially exposed to devaluation risk. If Singapore Airlines announces an award chart devaluation, other cardholders can rush out to burn their miles before it happens. You can’t, because they’re in limbo.
4. Your miles will age at different rates. Some will be credited each month and start their 3-year expiry countdown immediately, the rest will follow in 2-14 months

UOB will argue that this is necessary because there’s no way of knowing, at the point of transaction, whether the cardholder will go on to hit the specified minimum spend required for the bonus. But there surely has to be a better way of doing this, because the current mechanism holds you hostage- if you cancel your card early, you lose your pending bonuses.

How are KrisFlyer miles calculated?

Here’s how you can work out the KrisFlyer miles earned on your KrisFlyer UOB Credit Card. 

Local & FCY Spend	Round down transaction to nearest S$5, then divide by 5 and multiply by 6
Bonus Component	Round down transaction to nearest S$5, then divide by 5 and multiply by 9

Since all transactions are rounded down to the nearest S$5, the minimum spend required to earn miles is S$5. Anything less than that earns nothing!

A simple illustration: Suppose you spent S$9 on your KrisFlyer UOB Credit Card. You might figure that’s 10.8 miles (@ 1.2 mpd), but in reality:

• The S$9 is rounded down to S$5
• S$5 is divided by 5 and multiplied by 6 to yield 6 miles

You actually earn 6 miles, yielding a mere 0.67 mpd.

This is an extreme example, of course, and the effect of rounding gets smaller as your transaction size increases. But it’s exactly why you should think twice about using your KrisFlyer UOB Credit Card for small transactions that aren’t in S$5 blocks.

To show how rounding affects you, let’s compare the KrisFlyer UOB Credit Card to the Citi PremierMiles Card. On paper, both of them earn the same 1.2 mpd on all local spending. In reality, however, the Citi PremierMiles performs much better because of its favourable rounding policy. 

	KrisFlyer UOB Earn rate: 1.2 mpd	Citi PremierMiles Earn rate: 1.2 mpd
S$5	6 miles	6 miles
S$9.99	6 miles	11 miles
S$15	18 miles	18 miles
S$19.99	18 miles	23 miles
S$25	30 miles	30 miles
S$29.99	30 miles	35 miles
S$35	42 miles	42 miles
S$39.99	42 miles	47 miles

If you’re an Excel geek, here’s the formulas you need to calculate points: 

Local & FCY Spend	=ROUNDDOWN (X/5,0) *6
Bonus Component	=ROUNDDOWN (X/5,0) *9
Where X= Amount Spent

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

• General Spending Cards
• Specialised Spending Cards

What transactions aren’t eligible for KrisFlyer miles?

A full list of transactions that do not earn KrisFlyer Miles can be found in the T&Cs. I’ve highlighted a few noteworthy categories below:

• Charitable Donations
• Education
• Government Services 
• GrabPay top-ups
• Insurance
• Real Estate Agents & Managers
• SPC Service Stations
• Utilities

The KrisFlyer UOB Credit Card will earn miles for CardUp transactions, but not ipaymy. 

While Amaze*Transit is mentioned in the exclusions list, this is not a blanket exclusion on Amaze transactions! This clause only affects public transport rides, and shouldn’t be a concern for the vast majority of people. 

What do I need to know about KrisFlyer miles? 

❌ Expiry	↔️ Pooling	✈️ Transfer Fee
3 years	N/A	None
⬆️ Min. Transfer	✈️ No. of Partners	⏱️ Transfer Time
N/A	1	Automatically transferred each month

The KrisFlyer UOB Credit Card credits KrisFlyer miles directly to your account on a monthly basis, with no conversion fees. 

This is a mixed blessing. On the one hand, you save on the usual S$25 conversion fee that most banks charge. On the other, direct crediting means the three year KrisFlyer expiry countdown starts immediately (contrast this to non-cobrand cards where you enjoy “two validities”: one on the bank side, and one on the airline side).

In case you were worried, cancelling your KrisFlyer UOB Credit Card has no impact on KrisFlyer miles already in your account. 

Other card perks

Instant KrisShopper Insider status

KrisShopper Insider status

KrisShopper is KrisShop’s free-to-join loyalty programme, and awards a bonus of 2-4 mpd on KrisShop purchases depending on membership tier. 

From now till 30 June 2024, KrisFlyer UOB Credit Cardholders can enjoy instant KrisShopper Insider status, which awards a bonus 2.5 mpd on all KrisShop purchases. Be advised, however, that this upgrade only applies if you have not already signed up for KrisShopper.

KrisShopper Tier	Qualifying Spend	Earn Rate
Non-KrisShopper	N/A	1.5 mpd
Member	N/A	2 mpd
Insider	S$5,000	2.5 mpd
Icon	S$10,000	3 mpd
Ambassador	S$15,000	4 mpd
*Qualifying spend includes purchases on KrisShop.com, KrisShop on Kris+, KrisShop on KrisWorld, Inflight purchases on Singapore Airlines. Excludes GST, duties and delivery charges

Registration is required, and can be done via this link. Status will be upgraded within three months of registration, and valid for a 12-month period following that. You will subsequently need to requalify through regular means, i.e. spending S$5,000 on KrisShop within a membership year.

The T&Cs of the status match can be viewed here. 

Discounts for KrisFlyer Experiences

KrisFlyer Experiences is a platform that allows members to redeem their KrisFlyer miles for money-can’t-buy-experiences. We’ve seen F1 Sky Suites, a KrisFlyer cruise-to-nowhere and a specially-chartered points plane to Langkawi.

KrisFlyer UOB Credit Card members occasionally enjoy a 10% rebate on the number of miles required, which can be substantial depending on the experience. This is normally offered in limited quantity, so subscribe to The MileLion’s Telegram Channel and get alerted when new deals go live.

Miles extension perk

If you ever wanted an example of UOB’s fetish for complicated T&Cs, look no further than the miles extension perk.

Simply put, KrisFlyer UOB Credit Cardholders can enjoy a one-time 12-month extension for KrisFlyer miles earned between 1 January to 31 December 2021. 

Not so simply put, they’ll have to jump through a whole lot of hoops. This involves sending a registration SMS from August 2023 to December 2024 (yes, 2023 and 2024!), and calculating how many of expiring miles came from the KrisFlyer UOB Credit Card specifically. 

Earn Month	Expiry Month	SMS submission period
Jan 2021	Jan 2024	Aug 2023 to Jan 2024
Feb 2021	Feb 2024	Sep 2023 to Feb 2024
Mar 2021	Mar 2024	Oct 2023 to Mar 2024
Apr 2021	Apr 2024	Nov 2023 to Apr 2024
May 2021	May 2024	Dec 2023 to May 2024
Jun  2021	Jun 2024	Jan 2024 to Jun 2024
Jul 2021	Jul 2024	Feb 2024 to Jul 2024
Aug 2021	Aug 2024	Mar 2024 to Aug 2024
Sep 2021	Sep 2024	Apr 2024 to Sep 2024
Oct 2021	Oct 2024	May 2024 to Oct 2024
Nov 2021	Nov 2024	Jun 2024 to Nov 2024
Dec 2021	Dec 2024	Jul 2024 to Dec 2024

Keep in mind, this benefit is only available for up to 60,000 miles!

I’ll spare you the details, but if you want to understand just how convoluted this is, refer to the article below.

Explained: KrisFlyer UOB’s absurd miles extension perk

KrisFlyer UOB Account

The supposed “killer feature” of the KrisFlyer UOB Credit Card is its ability to earn a bonus 5-6 mpd when paired with the KrisFlyer UOB account. This sounds phenomenal, but I’d strongly advise you against it.

First of all, this account pays a measly 0.05% interest. With interest rates on the rise, that’s an almost derisory rate. 

If you think you’ll make up the difference with miles, you should know that the KrisFlyer UOB account caps the bonus miles you can earn at a mere 5% of your monthly average balance.

For example, if you put S$50,000 inside the account, the maximum bonus miles you could earn each month is just 2,500 (5% of 50,000), which you’d hit after spending just S$500 on your KrisFlyer UOB Credit Card.

This means that unless you have a ridiculously high miles valuation figure, the opportunity cost is simply too high to be worth considering. 

Fast track to KrisFlyer Elite Silver

The AMEX KrisFlyer Ascend has a fast track to KrisFlyer Elite Gold, but KrisFlyer UOB Credit Card members will have to settle for KrisFlyer Elite Silver. 

Cardmembers who open their cards from 1 May 2022 and spend a minimum of S$5,000 on SIA Group transactions (excluding Kris+) within the first card membership year will receive an upgrade to KrisFlyer Elite Silver.

This is referred to as a “fast track”, but in reality is anything but. Qualifying cardholders will receive their status upgrade within 6 weeks from the last month of the first membership year. You could hit the qualifying spend on your first day, and still have to wait 13+ months to get your status!

Status earned through this “fast track” scheme is only valid for the first year; subsequently, you’ll have to requalify by flying at least 25,000 elite miles in a 12-month membership period.

All in all, it’s much ado about nothing because KrisFlyer Elite Silver has extremely weak benefits. Members receive:

• A 25% bonus on KrisFlyer miles
• Complimentary Standard Seat selection on Singapore Airlines and SilkAir
• Priority reservation waitlist
• Priority airport standby
• Discounted service fees

Forget about lounge access, priority boarding, priority check-in or additional luggage allowances. This is as basic as it gets. 

Complete Guide: KrisFlyer Elite Silver benefits

Scoot Privileges

KrisFlyer UOB Credit Cardholders enjoy the following benefits when booking Scoot tickets with their card.

✈️ Scoot Privileges for KrisFlyer UOB Cards (till 18 March 2024)
	For Principal Cardholder	For Companions (on same booking)
Complimentary Priority Check-in and Boarding	✅	✅
Extra 5kg Luggage Allowance (with purchase of min. 20kg allowance)	✅	✅
Complimentary Standard Seat selection	✅	❌
One-time Booking Flexibility Waiver	✅	✅

Unfortunately, these benefits will be changing from 19 March 2024. 

✈️ Scoot Privileges for KrisFlyer UOB Cards (from 19 March 2024)
	For Principal Cardholder	For Companions (on same booking)
Complimentary Priority Check-in and Boarding	✅	✅
Extra 5kg Luggage Allowance (with purchase of min. 20 kg allowance)	✅	❌
Complimentary Standard Seat selection	✅	✅
One-time Booking Flexibility Waiver	❌	❌

These aren’t great perks, to be honest. There’s no free checked bag, the booking flexibility waiver will soon be removed, and the extra 5kg baggage allowance requires you to buy at least 20kg.

To enjoy these benefits, be sure to book your Scoot tickets via this dedicated portal.

KrisShop Privileges

KrisFlyer UOB Credit Cardholders enjoy a single-use promo code KFUOBKS2024 that gives S$20 off a minimum spend of S$120 (before GST).

Unfortunately, there is an extensive brand exclusions list.

2x S$15 Grab voucher to/from Changi Airport

KrisFlyer UOB Credit Cardholders will receive a biannual S$15 Grab voucher valid for rides to/from Changi Airport.

This can be redeemed once per half yearly (i.e Jan to Jun/ Jul to Dec), with the promo code KFUOBCC. Redemptions are capped at the first 1,000 uses per month. 

2x S$15 off Changi WiFi

KrisFlyer UOB Credit Cardholders will receive a biannual S$15 ChangiWiFi voucher.

This can be redeemed once per half yearly (i.e Jan to Jun/ Jul to Dec). Cardholders can generate a e-redemption code by SMSing KFUOBCC<space>16-digit card number to 77862. 

Redemptions are capped at the first 1,000 uses per month. 

Complimentary travel insurance

Accidental Death	Medical Benefits	Travel Inconvenience
S$500,000	S$50,000 for medical evacuation	None

Many cards offer complimentary travel insurance, but not all policies are made equal. I’ve done the analysis previously, and UOB’s policy is as bare bones as they come.

You have S$500,000 coverage for accidental death or disablement, and S$50,000 for medical evacuation. There’s no coverage for medical expenses, or even travel inconvenience. Lost your luggage? Flight delayed? This policy won’t pay anything.

Since it’s woefully inadequate as your primary cover, you’ll almost certainly need to get separate travel insurance.

Summary Review: KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Apply

If you’re the type who regularly busts the bonus caps on specialised spending cards, the KrisFlyer UOB Credit Card might be the answer. The main catch is that 60% of your miles (1.8 mpd) will only arrive 2-14 months later, but those who are willing to wait will be richly rewarded- I can’t think of any other card on the market that will pay out its full bonus rate on a S$30,000 handbag or watch. 

Alternatively, if you’re someone who insists on using one card for everything, then this would be the best form of damage minimisation. I can’t think of any other general spending card with so many different bonus categories: dining, food delivery, online shopping & travel and transport will cover the bases for a lot of people.

Add in the other perks like the ability to save on KrisFlyer Experiences and the occasional discount on Grab airport rides, and I’d reckon this is a solid “Take it” from me.

🦁 MileLion Verdict

☑ Take It ☐ Take It Or Leave It ☐ Leave It