AMEX KrisFlyer Credit Card Bonus MCC Categories
The AMEX KrisFlyer Credit Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. SIA Group + Grab — 2 MPD
SIA/Scoot flights, KrisShop and Pelago earn 2 MPD uncapped; Grab earns 1.2 + 0.8 bonus capped S$200/mo. Everything else earns 1.1 MPD.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| SIA Group + Grab | All | Singapore Airlines, Scoot, KrisShop, Pelago, Grab |
Tips to Maximize AMEX KrisFlyer Credit Card Rewards
- 1.1 MPD is the weakest earn rate among Singapore miles cards — use it only for the SIA Group bonus
- Miles auto-credit to KrisFlyer (3-year expiry), no points pool
- S$150 SIA cashback at S$12k eligible spend per year
- AMEX acceptance is lower than Visa/Mastercard in Singapore
Frequently Asked Questions
Which MCCs are excluded from AMEX KrisFlyer?
AMEX uses category exclusions (amex-sg-exclusions.pdf): cash advance, balance transfer, EZ-Link top-ups, SingPost SAM, insurance, SPC, GrabPay top-ups, utilities. No MCC codes are published.
AMEX KrisFlyer vs KrisFlyer Ascend?
Ascend costs S$397.85 (non-waivable) for 1.2 MPD base + lounge/Hilton perks; the standard card is S$179.85 (first year waived) at 1.1 MPD. The 0.1 MPD difference rarely justifies the fee gap unless you value Ascend's extras.
Do AMEX KrisFlyer miles expire?
Yes — miles auto-transfer to KrisFlyer monthly, where they carry KrisFlyer's 3-year expiry.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.