American Express Singapore Airlines KrisFlyer Credit Card vs UOB PRVI Miles Card
Compare American Express Singapore Airlines KrisFlyer Credit Card, UOB PRVI Miles Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express American Express Singapore Airlines KrisFlyer Credit Card | UOB •••• •••• •••• •••• Credit Card CompareMastercard UOB PRVI Miles Card |
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Card details
CardIQ
How we calculate scores| Overall | 47Fair Highest | 43Fair |
|---|---|---|
| Airport lounge | – | 52/100 |
| No annual fee | 42/100Highest | 21/100 |
| Rewards | 51/100 | 56/100Highest |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | American Express | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | Singapore Airlines KrisFlyer | UOB UNI$ |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | Not specified | S$30,000 p.a. |
| Residency | Singapore citizens or PRs, or expatriates holding an Employment Pass (documents-required sheet) | Singaporean or Singapore PR aged 55 and below (S$30,000 a year) or 56 and above (S$15,000 a year); foreigner (S$40,000 a year); or a fixed deposit of at least S$10,000 |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Yes (~60 seconds) |
Repayments
| Interest-free period | Up to 22 days | Not published |
|---|---|---|
| Minimum repayment | 3% of the outstanding balance plus overdue minimum payments, late payment charges and any amount over the credit limit, or S$50, whichever is greater | 3% of current balance or S$50, whichever is higher, plus any overdue amounts |
Rates & fees
Ongoing interest rates
| Purchases | 27.80% p.a. | 27.80% p.a. |
|---|---|---|
| Cash advances | 26.90% p.a.Lowest | 28.50% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$54.50 | S$0Lowest |
| Cash advance fee | 5% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1.1 pts per S$1 | 1.4 pts per S$1 |
|---|---|---|
| Bonus categories | 2 pts per S$1 in bonus categories | None |
| Other purchases | None | None |
| Overseas spend | None | 2.4 pts per S$1 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | UNI$ expire 2 years from the last day of the quarter in which they were earned |
| Estimated annual points | 55,600 ptsWorth S$834Highest | 50,400 ptsWorth S$1,512 |
Sign-up bonus
| Sign-up bonus | 16,000 points | — |
|---|---|---|
| Bonus spend required | S$2,000 within the first 3 months of card approval (new to American Express; promotion 17 June 2026 to 31 January 2027) | — |
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- American Express Singapore Airlines KrisFlyer Credit CardvsOCBC 90°N Mastercard
- Citi Rewards CardvsUOB PRVI Miles Card
- HSBC Revolution Credit CardvsUOB PRVI Miles Card
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- American ExpressUOB