Amex KrisFlyer Ascend vs UOB One 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 $739.95/yr more than the UOB One Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Amex KrisFlyer Ascend Best value | UOB One Card Popular |
|---|---|---|
| Issuer | American Express | UOB |
| Annual fee | $337.05 / year | $196.20 / year |
| Welcome bonus | 21,000 KrisFlyer miles | Up to S$200 cashback |
| Min. income (monthly) | SGD 50,000 | SGD 30,000 |
| Reward type | miles | cashback |
| Headline rate | 1.2× miles | 5% cashback |
| Bonus categories | grab, dining, travel | telecom, groceries, transport |
| Lounge access | Yes | No |
| Foreign tx fee | 3.3% | 3.25% |
| Est. net value / yr | $1,707.75 | $967.80 |
| Apply | Apply |
Frequently asked questions
- Amex KrisFlyer Ascend vs UOB One Card: which is better?
- On our reference spend profile the Amex KrisFlyer Ascend delivers higher estimated net value than the UOB One 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 UOB One Card?
- Amex KrisFlyer Ascend: $337.05 / year. UOB One Card: $196.20 / year.
- Which earns more rewards, Amex KrisFlyer Ascend or UOB One Card?
- Amex KrisFlyer Ascend earns 1.2× miles; UOB One Card earns 5% cashback. We rank by net value after fees, not headline rate alone.