Want to fly to your dream destination, but your eager hands keep swiping your credit card at the mall?
The Singapore Airlines KrisFlyer American Express Gold has a solution - you get to spend on all your favorite things while earning air miles. It's that simple.
Soon, you'll be clicking "Book Now" without paying out your month's salary.
Double Up Your Miles
Before even making any purchases with the Singapore Airlines KrisFlyer American Express Gold, you are already awarded 3,000 KrisFlyer miles for free.
You can earn 1x KrisFlyer Mile on every RM2 spent on all purchases, except for government bodies and utility transactions.
For every RM2 you spent on online ticket purchases via Singapore Airlines's website, you earn 2x KrisFlyer miles.
It is worth mentioning that you can only collect 2x KrisFlyer miles for SIA flights departing from Malaysia - whether it is a 1-hour journey down to the Merlion country or a long-haul flight across geographical borders.
The greatest gift from this card is that you can double up your miles with a minimum spend of RM60,000 on your anniversary... not your wedding anniversary, but the date that you've been approved for the credit card!
Travel in Style
Have 5x complimentary access to the Plaza Premium Lounge at airports in both Malaysia and Singapore to enjoy among other things - quality food and beverage, high-speed internet, and shower amenities.
With this card, you will be covered by insurance for FREE if you charge your air ticket to the credit card.
The travel personal accident coverage is up to RM750,000, while the travel inconvenience covering situations such as missed connections, luggage delay and luggage loss.
The American Express Global Assist provides you with immediate assistance over the phone anytime and anywhere.
In case you have lost your card while you need the card immediately, the bank will provide an emergency replacement card for you, wherever you may be - ain't that sweet?
Express Autopay for American Express
Enroll in Express AutoPay for bill payment facility that charges your bills to your American Express card when due.
No more queues, late payments, or penalties again. So convenient!
What are the interest rate imposed on repayments?
|Conditions of Repayments||Tiered Interest Rate (Per Annum)|
|Prompt Repayment every month||15%|
|Prompt Repayment 10 out of 12 months||17%|
|Prompt Repayment less than 10 out of 12 months AND New Cardmembers||18%|
Previously, finance charge is only imposed on the below that are not paid after the payment due date:
- Retail transaction - finance charge is calculated from the posting date till full payment is made
- cash advances/withdrawal transaction - finance charge is calculated from the transaction date
Finance charge is now based on the prevailing tiered interest rate (above) will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).
These are carried forward from the previous statement until the outstanding balances are settled in full.
All Fess and Charges includes:
- Annual Fee
- Cash Advance Fee
- Card Replacement Fee
- Statement Copy Fee
- Sales Draft Retrieval Copy Fee
- Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges
Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.
This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.
In fact you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full.