Review: AMEX KrisFlyer Ascend

The AMEX KrisFlyer Ascend can be a great deal in the first year, but its lacklustre earn rates mean its a card you shouldn't be regularly spending on.

Here’s The MileLion’s review of the AMEX KrisFlyer Ascend, which launched in 2013 as a posher alternative to the entry-level KrisFlyer Gold Card (since rebranded to the AMEX KrisFlyer Credit Card).

With a generous sign-up bonus, four lounge visits, a complimentary Hilton hotel night and Hilton Silver status, the AMEX KrisFlyer Ascend isn’t just there to make up the numbers.

However, those perks come with a non-waivable (in the first year, at least) annual fee of S$340.20. Moreover, the earn rates are pedestrian at best, and American Express has been gradually chipping away at some of the things that separated its cards from the pack, such as lower FCY fees and points for charitable donations and education.

So, is the Ascend still in ascendancy? (hey- you write three dozen card reviews and see if you don’t run out of witty puns)

AMEX KrisFlyer Ascend
🦁 MileLion Verdict
☐ Take It
☑ Take It Or Leave It
☐ Leave It

What do these ratings mean?
The AMEX KrisFlyer Ascend can be a great deal in the first year, but its lacklustre earn rates mean its a card you shouldn’t be regularly spending on
👍 The good 👎 The bad
  • Generous sign-up bonuses
  • Four airport lounge passes
  • Free Hilton hotel night and Hilton Silver status
  • Fast-track to KrisFlyer Elite Gold
  • No conversion fees
  • Bonus FCY earn rate only applies in June & December
  • Weak earn rates for Singapore Airlines spend
  • Annual fee is high for its segment
💳 Full List of Credit Card Reviews

Overview: AMEX KrisFlyer Ascend Card

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

Apply Here
Income Req. S$50,000 p.a. Points Validity 3 years
Annual Fee S$340.20
Miles with
Annual Fee
N/A Transfer
  • SIA
FCY Fee 2.95% Transfer Fee N/A
Local Earn 1.2 mpd Points Pool? Yes
FCY Earn 1.2 mpd
2 mpd (Jun & Dec)
Lounge Access? Yes 
Special Earn 2 mpd on SIA & KrisShop 
3.2 mpd on Grab
Airport Limo? No
Cardholder Terms and Conditions

Singapore Airlines has a total of four Singapore Airlines AMEX cobrand cards.

The AMEX KrisFlyer Ascend is positioned as the more premium of the two cards available to the general public, the other being the AMEX KrisFlyer Credit Card (aka “KrisFlyer Blue”). The AMEX PPS and Solitaire PPS Credit Cards can only be held by PPS and Solitaire PPS members respectively. 

  Eligibility Annual Fee
AMEX KrisFlyer Credit Card General public S$178.20
AMEX KrisFlyer Ascend
AMEX PPS Credit Card PPS Club S$556.20
AMEX Solitaire PPS Credit Card Solitaire PPS Club S$556.20

How much must I earn to qualify for an AMEX KrisFlyer Ascend?

American Express no longer publishes minimum income requirements for any of its cards, saying instead that “card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment”.

Prior to this, however, the AMEX KrisFlyer Credit Card had an income requirement of S$50,000 per year, the MAS-mandated minimum. There’s no reason to believe that has changed.

S$50,000 per year is not exactly entry-level, nor is it within the ballpark of S$120,000 mass affluent cards. I’ve made the point that any income requirement above S$30,000 is entirely arbitrary, but American Express does tend to be stricter with enforcement than other card issuers. I’ve heard of people getting approved with incomes just shy of the mark, but otherwise you may have problems.

If you’re dead set on getting this card but can’t get approved, American Express offers an “upgrade path” for entry-level AMEX KrisFlyer Credit Card cardholders. Customers who hold the card for a minimum of nine months and spend at least S$10,000  within 12 consecutive months can opt to upgrade to an AMEX KrisFlyer Ascend. 

American Express will throw in 12,000 bonus miles or a S$150 statement credit as a reward for upgrading and paying the annual fee. 

How much is the AMEX KrisFlyer Ascend’s annual fee?

  Principal Card Supp. Card
First Year S$340.20 Free
Subsequent S$340.20 S$81

The AMEX KrisFlyer Ascend has an annual fee of S$340.20 for the principal cardholder, and S$81 for supplementary cardholders. The first year annual fee is waived for the supplementary card, but cannot be waived for principal cardholders.

That gives the Ascend the distinction of being the only Singapore Airlines cobrand card that does not come with a waiver of the first year’s annual fee- all other cards, be it the AMEX KrisFlyer Credit Card, AMEX PPS Credit Card, AMEX Solitaire PPS Credit Card or KrisFlyer UOB Credit Card, waive their fees for the first year. That said, none of those offer complimentary lounge visits or a free Hilton night, which I suppose is the argument for making the annual fee mandatory.

Annual fees can be waived in subsequent years, but this is a YMMV situation. It never hurts to call up and ask, but unless you’ve been using it regularly over the past year (American Express does not define a minimum spend threshold for a fee waiver), or hold a premium card like the AMEX Platinum Charge or AMEX Centurion, you may not be successful.

In my experience, AMEX may offer a 50% waiver of the annual fee upon request, without the free lounge or hotel night vouchers.

Sign-up bonus

Apply Here
  Spend Miles
First Spend  Any  5K
Sign-Up Bonus
(first 30 days)
MileLion Bonus S$1.5K
(first 30 days)
Base Miles 1.8K
(S$1.5K @ 1.2 mpd)
Total Spend S$1.5K
Total Miles 33K
 S$340.20 annual fee must be paid 

This offer is valid for applications submitted by 31 August 2023 and approved by 14 September 2023.

All first-time American Express KrisFlyer cobrand cardholders will enjoy 5,000 miles on their first spend of any amount. This is a once per lifetime bonus; if you’ve held any American Express KrisFlyer cobrand card before, you won’t receive it a second time.

Cardholders will receive 15,300 bonus miles upon paying the mandatory S$340.20 annual fee and spending S$1,000 in the first month of approval (defined as 30 calendar days). 

If they spend a further S$500 in the first month of approval (i.e. S$1,500 total), they will receive a further 10,900 bonus miles.

❓ Who is eligible?

This offer is open to anyone who:

  • does not currently have a principal AMEX consumer card (DBS, Citi and UOB-issued AMEX cards do not count, nor does the AMEX HighFlyer Card)
  • has not cancelled an AMEX KrisFlyer Ascend Card in the past 12 months

Do note that there is no timeout period for customers to be considered “new” again after cancelling their last AMEX card, but all applications are subject to internal approval.

To summarise the offer, by spending S$1,500 in the first month of approval, applicants will receive up to 33,000 miles, broken down as follows:

  • 5,000 miles (first spend bonus)
  • 15,300 miles (regular sign-up bonus)
  • 10,900 miles (MileLion bonus)
  • 1,800 miles (base miles earned for S$1,500 spend @ 1.2 mpd)

33,000 miles would be sufficient for a round-trip Economy Class ticket to Hong Kong or Taipei. 

How many miles do I earn?

🇸🇬 SGD Spend 🌎 FCY Spend ⭐ Bonus Spend
1.2 mpd 2 mpd
(Jun & Dec only,
otherwise 1.2 mpd )
2 mpd
(SIA and KrisShop)
3.2 mpd


AMEX KrisFlyer Ascend Card members earn:

  • 1.2 miles for every S$1 spent in Singapore Dollars
  • 1.2 miles for every S$1 spent in foreign currency (FCY)

In June and December only, the FCY earn rate is boosted to 2 miles for every S$1 spent. 

I’ve never been able to wrap my mind around the June and December restriction. I get that those are peak travel months for Singaporeans, but really, offering 1.2 mpd on FCY spend for 10 out of 12 months a year simply isn’t good enough, when the market rate is at least 2 mpd year-round.

I’d have thought that cobrand cards would need to offer higher-than-average earn rates, because the cardholder is being asked to “pledge their loyalty”. Miles earned with the AMEX KrisFlyer Ascend can only be transferred to Singapore Airlines, after all, and if I could earn better rates through a non-cobrand card with a wider choice of partners, what appeal is there? 

Here’s how this earn rate compares to other general spending cards.

💳 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 (Credit Card) or 1.2 mpd (Ascend)

All overseas transactions on the AMEX KrisFlyer Ascend are subject to a 2.95% fee, which will further increase to 3.25% from 1 October 2023.

Using your card overseas therefore means buying miles at 1.48 cents (1.63 cents from 1 October) or 2.46 cents (2.71 cents from 1 October), depending on time of year. 

Months FCY Spend Cost Per Mile
June & December 2.0 mpd 1.48 (till 30 Sep 23)
1.63 (from 1 Oct 23)
Others 1.2 mpd 2.46 (till 30 Sep 23)
2.71 (from 1 Oct 23)

2mpd for Singapore Airlines and KrisShop

AMEX KrisFlyer Ascend cardholders earn an uncapped 2 mpd on all transactions made at:

  • Singapore Airlines website
  • Singapore Airlines mobile app
  • KrisShop purchases onboard Singapore Airlines
  • KrisShop purchases at

Tickets must originate from Singapore and be purchased in Singapore dollars. For avoidance of doubt, you’ll also earn 2 mpd if you redeem an award ticket and pay for the taxes and surcharges with the AMEX KrisFlyer Ascend, provided the “originate from Singapore” and “purchased in Singapore dollars” conditions are met.

Do note that there is no bonus for Scoot transactions. Moreover, the bonus for KrisShop transactions does not apply if you shop via the Kris+ app. 

Considering how you could easily earn 4-6 mpd on these purchases by using other credit cards, there’s nothing to get excited about here.

3.2 mpd for Grab

AMEX KrisFlyer Ascend cardholders earn 3.2 mpd on the first S$200 spent on Grab per calendar month. All Grab services are included, but GrabPay top-ups are excluded. Any spending beyond this cap earns the usual 1.2 mpd. 

Again, you could earn 4-6 mpd on Grab transactions by using other credit cards, so this isn’t that big a deal.

How are KrisFlyer miles calculated?

Here’s how KrisFlyer miles earned on the AMEX KrisFlyer Ascend are calculated:

Local Spend Multiply transaction by 1.2, then round to the nearest whole number
FCY Spend
Multiply transaction by 2 (in Jun/Dec) or 1.2 (otherwise), then round to the nearest whole number

Notice how the transaction is not rounded down to the nearest S$1; instead, it’s multiplied by 1.2/2 straight away. This means the minimum spend to earn points is S$0.42 (SGD) or S$0.25 (FCY in June/Dec). 

This beneficial rounding policy allows the AMEX KrisFlyer Ascend to compete favourably with ostensibly higher-earning cards like the UOB PRVI Miles (1.4 mpd), at least where smaller transactions are concerned:

  AMEX KrisFlyer Ascend
Earn rate: 1.2 mpd
Earn rate: 1.4 mpd
S$5 6 miles 6 miles
S$9.99 12 miles 6 miles
S$15 18 miles 20 miles
S$19.99 24 miles 20 miles
S$25 30 miles 34 miles
S$29.99 36 miles 34 miles

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

Local Spend =ROUND (X*1.2,0)
FCY Spend
=ROUND (X*2,0)
Where X= Amount Spent

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

What transactions aren’t eligible for KrisFlyer Miles?

The AMEX KrisFlyer Ascend’s full exclusion list can be found below:


a) Charges processed and billed prior to the Enrolment Date or charges prepaid on any Card Account prior to the first billing statement for that Card Account following the Enrolment Date;
b) Cash Advance and other cash services;
c) Express Cash;
d) American Express Travellers Cheque purchases;
e) Charges for dishonoured cheques;
f) Finance charges – including Line of Credit charges and Credit Card interest charges;
g) Late Payment and collection charges;
h) Tax refunds from overseas purchases;
i) Balance Transfers;
j) Instalment plans;
k) Annual Card fees;
l) Amount billed for purchase of KrisFlyer miles to top-up your miles balance;
m) Bill payments and all transactions via SingPost (e.g. SAM kiosks, mobile app, online portal);
n) Payments to insurance companies (except payments made for insurance products purchased through American Express authorized channel);
o) Payments to Singapore Petroleum Company Limited (SPC) service stations;
p) Payments for the purpose of GrabPay top-ups;
q) Payments to utilities merchants (with effect from 12 February 2021);
r) Payments to public/restructured hospitals, polyclinics and other public/restructured healthcare institutions and facilities (with effect from 1 October 2022);
s) Transactions relating to education and other non-profit purposes (including charitable donations) (with effect from 1 October 2023);
t) Charges at merchants or establishments that are excluded by American Express at its
sole discretion and notified by American Express to you from time to time.

Historically speaking, the AMEX KrisFlyer Ascend was very liberal with awarding miles- merchant acceptance was a bigger issue than exclusions. However, in recent times the list has been growing (though to be fair, it’s no different from what other banks do). Key exclusions are GrabPay top-ups, insurance premiums, SPC transactions, utilities and public hospitals. Charitable donations and education will be excluded from 1 October 2023.

For avoidance of doubt, private hospitals, CardUp and government organisations still earn miles.

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 Miles credited once a month


KrisFlyer miles earned on the AMEX KrisFlyer Ascend will expire at the end of the month, three years after they were earned. 

For example, KrisFlyer miles credited to an account from 1-31 July 2021 will expire at the end of the day on 31 July 2024.

Cancelling an AMEX KrisFlyer Ascend has no impact on the miles already in your KrisFlyer account. 


All miles earned on the AMEX KrisFlyer Ascend will be credited directly to your KrisFlyer account, where they will pool with miles earned from all other sources (be it other credit cards, flights etc.).

Transfer Partners & Fees

At the risk of stating the obvious, the AMEX KrisFlyer Ascend is a cobrand card which does not give you a choice of where to credit your points. If you want to earn points that can be converted into a range of frequent flyer partners, pick a non-cobrand card instead.

No conversion fees are applicable.

Transfer Times

Miles earned on the AMEX KrisFlyer Ascend are batched and credited to your KrisFlyer account once a month. 

You can typically expect to see them credited around the end of your statement period. 

While direct crediting avoids conversion fees, it does mean the three year expiry countdown for KrisFlyer miles starts immediately.

Contrast this to other non-cobrand cards where you pay conversion fees, but enjoy “two validities”- one on the bank side, and one on the airline side. For example, if I had a UOB PRVI Miles Card:

  •  My UNI$ are valid for 2 years
  • Once I convert UNI$ to KrisFlyer miles, they’re valid for 3 years
  • In total I get 5 years of validity

Other card perks

AMEX Offers

amex krisflyer ascend offers

AMEX Offers are targeted deals pushed to your AMEX app, which can range from small savings like getting a few dollars back on contactless transactions, to much more substantial offers like S$75 off a S$300 Hilton transaction. They can also take the form of bonus miles promotions, like a bonus 2.0 mpd on Deliveroo and foodpanda. 

This is a nice feature to have and can result in some savings, but it’s not unique to the AMEX KrisFlyer Ascend.

Four free lounge visits 

Plaza Premium Lounge Siem Reap
Plaza Premium Lounge Siem Reap

AMEX KrisFlyer Ascend Card members receive four complimentary airport lounge vouchers each year. Each voucher grants access for one person at participating SATS and Plaza Premium Lounges worldwide.

Four visits is more generous than what other general spending cards offer, although it should be noted that:

  • Other general spending cards still enjoy complimentary lounge visits with an annual fee waiver, but AMEX KrisFlyer Ascend cardholders generally do not (with some very limited exceptions, no renewal vouchers are awarded when the annual fee is not paid in full)
  • Other general spending cards offer Priority Pass or Dragon Pass memberships, with access to more than 1,000 lounges worldwide. AMEX KrisFlyer Ascend lounge vouchers use the much smaller Plaza Premium network
Card Network Free Lounge Visits
(per year)
AMEX KrisFlyer Ascend Plaza Premium 4X
HSBC TravelOne Card DragonPass 4X
Citi PremierMiles Priority Pass 2X
DBS Altitude Priority Pass 2X
(Visa Version Only)
StanChart Journey Card Priority Pass 2X
AMEX KrisFlyer Credit Card N/A N/A
BOC Elite Miles N/A N/A
KrisFlyer UOB Credit Card N/A N/A
OCBC 90°N Card N/A N/A

Free Hilton Night

krisflyer ascend hilton voucher
Booking Portal

AMEX KrisFlyer Ascend Card members receive a free one-night stay at selected Hilton properties every year (room only, no breakfast). This is a crucial benefit, because your ability to recover the annual fee depends on how smartly you use it.

There are currently 75 properties where this voucher is accepted, all within Asia Pacific. This includes the Conrad Bangkok, Conrad Manila, Conrad Bali and Conrad Pune. 

Conrad Bangkok
Conrad Bangkok

Obviously, not all hotels represent equal value so you’ll want to choose wisely. As a general guideline, when it comes to brand positioning:

Conrad > Hilton > Doubletree > Hilton Garden Inn

You will not enjoy elite benefits on stays redeemed with this voucher. Certain properties may grant this on a goodwill basis, but it’s not to be expected.

Hilton Silver status

hilton silver status
Register Here

AMEX KrisFlyer Ascend Card members receive complimentary Hilton Silver status, which is valid until the end of the calendar year after it was received. For example, if I upgrade to Silver status in 2023, it’ll be valid until the end of 2024. Subsequently, I’ll need to requalify via the usual criteria. To stretch your validity, apply for the upgrade as early in the year as possible. 

Hilton Silver status, in and of itself, isn’t fantastic. It’s just one rung above the entry-level, with no free breakfast, lounge access or room upgrade perks.

hilton elite benefits

But why it matters is because Silver members get the 5th night free on all award redemptions. Hilton sells points several times a year, with prices as low as 0.5 US cents each. You could buy points and redeem them for Hilton’s top-tier properties, saving hundreds of dollars over retail value. 

Take for example the Conrad Maldives, where rooms cost 120,000 points per night. If you bought those points at 0.5 US cents each, you’d pay just US$600, significantly less than the asking price. If you’re a Silver member and redeem five consecutive nights, you’d only need to pay 4 x 120,000=480,000 points, or an average of just 96,000 points (US$480) per night!

Fast track to KrisFlyer Elite Gold

amex krisflyer ascend elite gold fast track

Cardholders who spend at least S$15,000 on Singapore Airlines ticket purchases made at or the SingaporeAir mobile app within the first 12 months of card approval will receive an automatic upgrade to KrisFlyer Elite Gold.

All tickets must be for travel originating from Singapore, and purchased in Singapore Dollars. This benefit is only valid for one year; subsequently, you’ll have to requalify by flying at least 50,000 Elite miles in a 12-month membership period.

KrisFlyer Elite Gold confers additional benefits when flying on Singapore Airlines or Star Alliance carriers, such as:

  • A 25% bonus on KrisFlyer miles
  • Lounge access
  • Priority check-in
  • Priority boarding
  • Priority luggage handling and additional 20kg allowance

S$15,000 is indeed a lot to spend, but think about the scenario of someone who often buys air tickets for his entire family. He can’t accrue the Elite miles on their tickets (only the person whose name is on the ticket can), but can nonetheless achieve KrisFlyer Elite Gold through his total card spending.

For more details on KrisFlyer Elite Gold benefits, refer to the post below.

Your complete guide to KrisFlyer Elite Gold benefits

Double KrisFlyer miles accrual voucher

Cardholders who spend at least S$15,000 on Singapore Airlines ticket purchases made at or the SingaporeAir mobile app between 1 July and 30 June of the following year will receive a double KrisFlyer miles accrual voucher.

All tickets must be for travel originating from Singapore, and purchased in Singapore Dollars.

As the name suggests, the voucher allows you to earn double the miles normally accrued. This sounds great, but it’s capped at a measly 5,000 miles. Here’s an illustration of how it works:

For the avoidance of doubt, only the base miles are doubled. You do not earn any bonus on the 25% elite tier bonus, Elite miles or PPS Value. 

Given the low cap, I wouldn’t value this benefit very highly.

Complimentary travel insurance

Coverage Amount
Accidental Death S$1,000,000
Medical Benefits N/A
Travel Inconvenience 
  • Missed connection: S$400
  • Baggage Delay: S$400
  • Extended Baggage Delay: S$1,000
  • Flight Delay: S$400
Policy Wording

AMEX KrisFlyer Ascend Cardholders who charge their airfares to the card will receive automatic travel insurance coverage, underwritten by Chubb. For avoidance of doubt, this applies both to cash tickets, as well as award tickets where the taxes and fees are paid for with the AMEX KrisFlyer Ascend.

Cardholders receive S$1,000,000 coverage for accidental death or permanent disability while traveling on a public conveyance. There’s also coverage for travel inconveniences like missed connections and bag delays. 

However, there is no coverage for medical expenses, nor medical evacuation. This is something you can’t afford to miss, so a separate travel insurance policy is almost mandatory. 

Terms and Conditions

Summary Review: AMEX KrisFlyer Ascend Card

Apply Here
🦁 MileLion Verdict
☐ Take It
☑ Take It Or Leave It
☐ Leave It

The AMEX KrisFlyer Ascend card can certainly be a good deal in the first year, since its three main benefits will easily cover the S$340.20 annual fee.

  • 31,200 bonus miles (S$468 at a value of 1.5 cents per mile)
  • 4 lounge vouchers (S$30 each, based on Carousell prices)
  • Hilton voucher (conservatively valued at S$200, though you can certainly get more depending on which property you choose)

But outside the sign-up bonus, this isn’t really a card to put your day-to-day spending on. Its earn rates are mediocre, even for Singapore Airlines spending- a category you’d think this card would excel at!

All things considered, I still believe the KrisFlyer UOB Credit Card is the superior cobrand option, given its uncapped 3 mpd on dining, food delivery, online shopping & travel and transport (not to mention its waivable annual fee).

So that’s my review of the AMEX KrisFlyer Ascend. What do you think?

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Hi Aaron, just a data point, I applied for a fee waiver and also received my lounge vouchers and hotel voucher too. Just FYI!


I also got the fee waiver with vouchers sent


how much did you guys spend? I didn’t get anything


I got fee waiver with 8,000 miles but no vouchers 🙁


If they include donation to charities under exclusion, I might cancel the card. The good thing is no need for KF miles transfer fees.
For many years, every annual family holiday includes 1 lounge access with the 4 vouchers. But the fee is higher now. Not sure if I will call to cancel in few months time when renewal rolls round.

Salmon Lee

I’ve been a loyal member for many years now. But the benefits for existing card holders are measly. I’ve mentioned this to their customer service before, but seems like the benefits and attractions come at the beginning when you apply for the card. SO I’m thinking cancelling the card, and then re-apply a year later.

K H Ho

Hi Aaron, would you be reviewing the AMEX Platinum Reserve Card any time soon?


For the first year free waiver, do i get the benefits too?


Hi Aaron, you state the list of exclusions has utilities. In the next paragraph, you say utility transactions can earn miles. Could you reconfirm which type of utilities can earn miles?

Thank you.

N g

Hi Aaron, there is an option for “consent for direct marketing” when applying for the card. If I do not want to consent for marketing, do I get all the benefits and bonus miles as stated?


Hi Aaron, can i use ascend to pay for cardup? Does it count towards the 3K spend?


Will amex give silver status to an existing standard Hilton member and if so, how do you get that applied to your account?


Question: Is the Hilton 1 night voucher only awarded upon paying the annual fee? Does that mean I cannot apply for the card today and use it for a Hilton stay a few months down the road?


Thanks Aaron.


One more questiom, is there a way to check for blackout dates for this particular voucher or should I email the hotel?


hey Aaron, I think there’s a slight error in your mile table calculation compared to PRVI miles. In Amex TNCs it states miles are awarded in whole and are rounded up if the resulting calculation is 0.50 miles and down if 0.49 miles and below.

which means a $9.99 transaction would accrue 11.98≈12 miles, $19.99 would be 28.78≈29 miles, $29.99 would be 35.98≈36 miles and so on.


2021 I got Platinum concierge to waive fee and no vouchers or even renewal letter received. That’s ok.

2022 I was too busy and paid the fee without checking the card statement details. 3 months later (yes, 3 mths later) got the envelop this week with useless lounge vouchers + 1 hilton voucher.
And…bummer: validates my card and voucher number and Singapore only has 1 hotel for selection (even before inputing arrival date): Hilton Garden Inn.

Aaron….pls spread the word


AMEX KrisFlyer Ascend cardholders earn 2.0 mpd on all transactions made with Singapore Airlines and KrisShop, without cap.

Not exactly, only for flights originating from Singapore and paid in SGD. It is in TnC.


For anyone else who, like me, was curious to see how you could see miles earned for individual transactions, I found the answer in another blog (

Later, I found that I can actually see the miles earned in each transaction via mobile app. To do that, I need to open my Amex SG mobile app, select AMEX KrisFlyer Card, tap the Membership tab at the bottom of the screen, then tap View Activity button. Here, I can see my recent transactions and the number of points earned on each transaction.


Hey Aaron, wondering if you know would supplementary amex ascend card be able to use the vouchers that come with Ascend, i.e. the lounge access voucher and the free night stay voucher


YMMV but after holding this card (or other Amex cards) for over 15 years, this year (2023) it was no dice on a fee waiver. I canx the card because the fee is just not competitive for what Amex are offering. They were surprisingly nochalant about losing a long-time customer.


Sadly, I’ll do the same!


Same experience, I been holding this card for 14 years.


Basically a pump and dump card!


I have a DBS Amex card. Will I still be qualified for the sign up miles ?

Last edited 8 months ago by Chin

Hello Aaron, I am a ‘New to American Express Card Members’ and looking to apply for this KrisFlyer Ascend card, can I clarify/confirm on the requirements for the offers as listed below? Do I have to spend S$2,000 or S$3,000 within the first 2 months, to get both Milelion Offer and Amex Welcome Offer? TnC ( Eligible New to American Express Card Members will receive: 2a. Milelion Offer: • Samsonite RED TOIIS C Spinner 75/28 Exp in Black – 387 (worth S$420) (the ‘Gift’) with annual fee payment and additional S$1,000 spend within first 2 months of Card approval on… Read more »

Last edited 8 months ago by Darren

Hi Aaron, I signup for this card last year and cancelled it recently but have not yet utilized the hotel voucher. I’m planning for my trip and realized on the tnc it says I must present the “valid” Amex card during check-in. Do you happen to know for such case, will I get rejected when I check in at the hotel because my AMEX card is not valid anymore? I called AMEX, and obviously, they asked me to reinstate (and pay the annual fee), which is not really an option for me coz I don’t want to pay the annual… Read more »

Last edited 6 months ago by stellada

Hi Aaron, I have a question regarding the KrisFlyer Elite Gold Status Accelerator benefit.

For an SQ flight booked and paid and reflected in ‘Manage Booking’ on SQ site.

Will the purchase of ‘TOP UP THE FARE DIFFERENCE’ of that booking via AMEX KrisFlyer Ascend card be eligible for KrisFlyer Elite Gold Status Accelerator program?

*The flight is paid in SGD
**The top up upgrade is paid in SGD
***Travel originating from Singapore


Hi Aaron, do you know if the 4x lounge access can be shared with friends/family that do not have the cc?


Yes, as long as you are there to bring them in


Hi, may I ask if the new-to-card offer (spend 3000 in first month to get miles) can be stacked with the 2.0 mpd for the SIA flight? Basically will my SIA purchase qualify for the $3000 spending requirement?

Dennis C

If you hold both Amex Platinum Charge and the blue Amex Krisflyer, does it make sense to apply to convert the blue Krisflyer to Ascend? Will you be asked to pay the annual fee, and will you get the welcome bonus?


You’ll probably need to pay first year fee if you’re trying to hit a welcome offer (don’t recall any for existing cardholders though); but I’ve never had trouble getting my annual fee waived for subsequent years.