Singapore Airlines KrisFlyer American Express® Platinum Credit Card

A KrisFlyer card that works best for SIA spending

The Singapore Airlines KrisFlyer American Express Platinum Credit Card is for users who already want KrisFlyer miles. The miles are credited directly into your KrisFlyer account, so you do not need to convert TreatsPoints. Simple, but also less flexible.

The strongest rate is on Singapore Airlines Group spending. You earn 1 KrisFlyer mile for every RM1 spent on Singapore Airlines, Scoot and KrisShop websites. For online and overseas spending, you earn 1 mile for every RM2. Local spending earns 1 mile for every RM2.50. That is decent, but this card is clearly better when used for SIA Group, online or overseas spend.

Compared with the Gold version, Platinum is the more practical choice if you really want to collect KrisFlyer miles. Gold has a lower annual fee, but the earn rate drops to 1 mile for every RM4 on local or overseas spending and 1 mile for every RM3 online. Platinum also gives proper lounge access, while Gold only gives 50% savings on Plaza Premium Lounge access fee.

The usual Amex limitation still applies. This card works best if the merchants you use accept American Express. E-wallet reloads do not earn KrisFlyer miles, so it is not very useful if a big part of your spending goes through e-wallet top-ups.

Travel benefits are better than the Gold version. Cardholders get 5 complimentary lounge visits per year at Plaza Premium Lounges and Sky Lounge at Subang Airport. The card also includes Travel Personal Accident coverage of up to RM750,000, plus travel inconvenience coverage for missed connections, luggage delay and luggage loss when eligible travel fares are charged to the card.

There is also a Fast Track to KrisFlyer Elite Gold Status. This is useful only if you already spend heavily with Singapore Airlines Group. If you fly SIA or Scoot only once in a while, this benefit may not move the needle much.

The minimum income requirement is RM60,000 per year. The annual fee is RM300, waived for the first year. Eligible new first-time applicants can also get 7,000 bonus KrisFlyer miles on first card spend. Digital wallet support is limited to Apple Pay.

Verdict: The Singapore Airlines KrisFlyer American Express Platinum Credit Card is worth considering if your main goal is KrisFlyer miles and you spend regularly with Singapore Airlines, Scoot or KrisShop. It is much easier to justify than the Gold version if you want stronger miles earning and complimentary lounge access. But if your spending is mostly local retail, e-wallet reloads or merchants that do not accept Amex, this card will feel less useful.