Deal: Best Fares from Singapore Airlines Time To Fly Travel Fair

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000-S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points transfers

0.4 mpd earn rate on non-bonus spending
Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
Bonus categories are MCC-sensitive
3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$80,000 (not strict)
Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, up to S$1,000 per calendar month
 No minimum spending

0.4 mpd earn rate on non-bonus spending
1-year points expiry term
Only 2 useful points transfer partners
3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on 1 chosen bonus category, up to S$1,000 per calendar month ^{Choose 1 bonus category from:
1) Beauty & Wellness
2) Fashion
3) Dining
4) Family
5) Travel
6) Transport
7) Entertainment}
 No minimum spending

0.4 mpd earn rate on non-bonus spending
Bonus categories are MCC-sensitive
2-year points expiry term
Only 2 useful points transfer partners
3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Earn 2.4 mpd on dining, online shopping, food delivery, public transport, ride-hailing and selected travel websites
 Earn 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago
 No minimum spending for SIA group bonus earn rate
 Uncapped earn rates
 Free, automatic miles transfers to KrisFlyer
 Priority check-in, boarding, free seat selection with Scoot ^{Booking must be made via flyscoot.com/KrisFlyerUOB.}

Minimum spend of S$1,000 on SIA group per card membership year required for bonus earn rate (1.2 + 1.2 mpd) on dining, online shopping, food delivery, public transport, ride-hailing and selected travel websites
Spending categories for bonus earn rate (2.4 mpd) are MCC-sensitive
Bonus earn rate (+1.2 mpd) credited within 2 months after card membership year <sup>Due to the late crediting, bonus miles earned at the start of your card membership year may take up to 14 months to get credited. It will also be challenging to track your bonus spending (to calculate expected bonus miles) for an entire year.

This may also force you into paying the annual fee for the following year if a waiver request is not granted.</sup>
1.2 mpd earn rate on non-bonus spending
3-year fixed miles expiry term in KrisFlyer
Only 1 miles transfer partner (KrisFlyer)
3.25% foreign transaction fee

📄 Quick review

More information on the

KrisFlyer UOB Card

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago.

Cardholders can also receive an uncapped 2.4 mpd earn rate (1.2 base + 1.2 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com. To receive the 1.2 mpd bonus, cardholders have to spend at least S$1,000 on Singapore Airlines, Scoot, Pelago or KrisShop collectively in a card membership year.

All other transactions earn 1.2 mpd, including foreign currency spending which comes with 3.25% in fees (very poor!).

On top of that, cardholders can also get priority check-in and boarding, free standard seat selection and one-time booking flexibility waiver on Scoot bookings made through flyscoot.com/KrisFlyerUOB.

While this card makes all the right headlines, cardholders should know that bonus miles (1.2 mpd) are only credited within 2 months, after the end of the card membership year. This can be a dealbreaker for many who do not want to wait up to 14 months to receive the bonus miles! The delayed miles crediting can also force you into paying the annual fee (instead of cancelling the card), if a waiver is not granted.

Another obvious point to note is that the miles earned on this card can only be transferred to KrisFlyer, albeit with no transfer fee.

Flexibility is very important in the Miles Game and unfortunately, this card offers very little of that. I recommend maximizing the limits of other 4 mpd cards first, before using this one.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments but not worth it; always request waiver)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
3 years from the time they are credited into KrisFlyer account.

🫱‍🫲 Transfer partner
KrisFlyer only

🧮 Transfer block
N/A

💲 Transfer fee
No transfer fee

🤗 Miles pooling
Miles earned from this card cannot be combined with those from other UOB cards and can only be transferred out separately.

❓ How/When miles are credited
Earn 6 base miles per S$5 spent, plus 6 bonus miles for eligible transactions (equivalent to 2.4 mpd in total). Base miles are credited into your KrisFlyer account at the end of each calendar month; bonus miles up to 2 months after the end of card membership year (up to 14 months).

📜 Terms & conditions

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