Amex KrisFlyer Ascend vs OCBC 365 Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Amex KrisFlyer Ascend comes out ahead on estimated net value — about $355.95/yr more than the OCBC 365 Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Amex KrisFlyer Ascend Best value | OCBC 365 Credit Card |
|---|---|---|
| Issuer | American Express | OCBC |
| Annual fee | $337.05 / year | $196.20 / year |
| Welcome bonus | 21,000 KrisFlyer miles | — |
| Min. income (monthly) | SGD 50,000 | SGD 30,000 |
| Reward type | miles | cashback |
| Headline rate | 1.2× miles | 6% cashback |
| Bonus categories | grab, dining, travel | fuel, dining, groceries, transport |
| Lounge access | Yes | No |
| Foreign tx fee | 3.3% | 3.25% |
| Est. net value / yr | $1,707.75 | $1,351.80 |
| Apply | Apply |
Frequently asked questions
- Amex KrisFlyer Ascend vs OCBC 365 Credit Card: which is better?
- On our reference spend profile the Amex KrisFlyer Ascend delivers higher estimated net value than the OCBC 365 Credit Card in Singapore, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Amex KrisFlyer Ascend and OCBC 365 Credit Card?
- Amex KrisFlyer Ascend: $337.05 / year. OCBC 365 Credit Card: $196.20 / year.
- Which earns more rewards, Amex KrisFlyer Ascend or OCBC 365 Credit Card?
- Amex KrisFlyer Ascend earns 1.2× miles; OCBC 365 Credit Card earns 6% cashback. We rank by net value after fees, not headline rate alone.