Credit Cards Deals KrisFlyer

Kris+ 3X miles – earn up to 19 mpd at 150 merchants, whether you pay in-app or not

The latest Kris+ 3X miles deal for in-app payments is one of the most generous yet, and you don't even have to use Apple Pay or Google Pay to benefit.
EXPIRED This article relates to an offer or promotion which has now expired.
 

Kris+ has a fantastic new bonus miles earning promotion running between now and 11th July 2021 at over 150 merchants across the city, including dining, wellness and retail outlets, with 3X the usual KrisPay miles rate on offer when you use in-app payment via Apple Pay or Google Pay.

In reality though you can pay however you want, including the old-fashioned way by the merchant scanning a QR code from your phone, then making card or cash payment directly, and still enjoy triple miles earning at these stores.

Enhanced earn rates with the 3X multiplier start at 1.5 mpd (for former 0.5 mpd outlets) but go right up to 15 mpd – which is worth up to 19 mpd in total when you use the right bonus miles earning credit card to pay.

Better still, you’ll also earn 3 Elite miles or 1 PPS Value per dollar spent at these merchants during the promotional period as part of KrisFlyer’s offer to unlock status credits without flying, to either retain or upgrade your membership tier for a year.

Two earn methods

Kris+ now has two distinct payment methods when you earn miles for purchases with a participating merchant.

Online method

(Apple / Google Pay)

  • Scan merchant’s QR code
  • Enter amount
  • Select to pay via Apple Pay / Google Pay
  • Click “Confirm”
  • Miles earned and can be transferred to KrisFlyer

Offline method

(Card / cash)

  • Tap “Earn” button
  • Enter amount and click “Next”
  • Merchant scans QR code on your device
  • Miles earned and can be transferred to KrisFlyer
  • Pay merchant directly by card or cash

The idea of this promotion is to encourage customers to use the new online method (i.e. via Apple Pay or Google Pay), with the terms and conditions document stating that only this earning method will be eligible for triple miles under the promotion.

To enable earning of KrisPay miles for the purposes of this Promotion, each Participant must first set up and enable Apple Pay (on iOS devices) or Google Pay (on Android devices) with a Visa or MasterCard debit or credit card linked as the primary card and must make payment for the Eligible In-App Payment Transaction via such card on Apple Pay or Google Pay only through the Kris+ App.

Kris+ 3X promo Terms and Conditions

It doesn’t actually matter how you pay!

Here’s the interesting thing about this promotion. It doesn’t seem to be necessary to make an in-app payment, or even have Apple Pay / Google Pay set up on your device, to get the 3X enhanced miles rate at these merchants.

This afternoon I went down to my local Cedele to test this, using the “offline method” to pay for my lunch (S$10) directly by credit card.

The server scanned the QR code on my iPhone, which doesn’t even have Apple Pay activated, and I also got 3 mpd (usual rate 1 mpd).

I transferred the miles immediately into KrisFlyer and they have already credited in full, along with the Elite miles too.

So while the promotion is designed to encourage the new (simpler) in-app payment method, and the terms and conditions state it as a requirement, the app isn’t actually enforcing this.

Or… without Apple Pay, as it turns out!

Why wouldn’t you pay in-app?

Surely if Apple Pay and Google Pay are simpler methods to earn KrisPay miles when making purchases at Kris+ merchants (which they are), there’s no reason not to do so?

Well there are two credit cards awarding bonus miles for contactless payment, for example, which exclude in-app payments made via Apple Pay and Google Pay from their bonus category, and that means earning 0.4 mpd, not 4 mpd, for the transaction.

  • UOB PPV: Bonus rate only valid when you wave your mobile device against the Visa payWave reader
  • UOB VS: Bonus rate only valid when tapping your card or waving your mobile device against the Visa payWave reader

In these cases you clearly want to be using the “offline method” to accrue the 3X miles, then tap your mobile device directly with the merchant (in the case of the PPV card) or tap either your mobile device or your physical card (in the case of the VS card), for the 4 mpd element from UOB.

Participating merchants

While most Kris+ merchants are participating in this 3X miles promotion, a whopping 153 in total, there are some notable exclusions from the list.

Examples include Harvey Norman and Simmons, since these merchants are not currently Kris+ Payment enabled, meaning only the “offline payment” method is available (not that this affects the earn rate, they just aren’t included in the promo).

We’ve split the participating merchants into five categories, then listed them best to worst in terms of promotional earn rate during this period.

The Merchant Category Code (MCC) is also shown, where known, to help you decide which credit card will offer bonus miles rates for the transaction itself, on top of the KrisPay miles.

  Dining

Merchant   MCC* Usual rate   Promo rate
Arteastiq (Jewel Changi Airport) 5812 3 mpd 9 mpd
Arteastiq (Mandarin Gallery) 5812 3 mpd 9 mpd
Arteastiq Bistro 5812 3 mpd 9 mpd
Atrium 7011 3 mpd 9 mpd
Cajun on Wheels (Pasarbella) 5812 3 mpd 9 mpd
Cajun on Wheels (Plaza Singapura) 5812 3 mpd 9 mpd
Kim Choo Kueh Chang 5812 3 mpd 9 mpd
Mimi Restaurant 5812 3 mpd 9 mpd
Paper Rice 5812 3 mpd 9 mpd
Supresso 5499 3 mpd 9 mpd
UNA at Alkaff Mansion 5812 3 mpd 9 mpd
Xin Cuisine 5812 3 mpd 9 mpd
25 Degrees Burger, Wine & Liquor Bar 7011 2 mpd 6 mpd
Anglo Indian Cafe & Bar 5812 2 mpd 6 mpd
atout 5499 2 mpd 6 mpd
Bacha Coffee 5812
5814
2 mpd 6 mpd
BAKALAKI Greek Taverna 5812 2 mpd 6 mpd
Delibowl 5814 2 mpd 6 mpd
Ginett Restaurant & Wine Bar 7011 2 mpd 6 mpd
L’Angelus 5812 2 mpd 6 mpd
Les Bouchons 5812 2 mpd 6 mpd
Lime 5812 2 mpd 6 mpd
Mellower Coffee 5814 2 mpd 6 mpd
Nuodle 5814 2 mpd 6 mpd
Perch 5812 2 mpd 6 mpd
Shin Kushiya 5812 2 mpd 6 mpd
Si Chuan Dou Hua 5812 2 mpd 6 mpd
Spice Brasserie 5812 2 mpd 6 mpd
The Horse’s Mouth Bar 5812 2 mpd 6 mpd
The Spot 5812 2 mpd 6 mpd
The Xiang Pavilion 5812 2 mpd 6 mpd
TONITO 5812 2 mpd 6 mpd
WAKANUI Grill 5812 2 mpd 6 mpd
Window on the Park 3501 2 mpd 6 mpd
Yoshi Restaurant 5812 2 mpd 6 mpd
Lobster Air 5812 1.5 mpd 4.5 mpd
108 Matcha Saro 5814 1 mpd 3 mpd
Andersen’s of Denmark 5499 1 mpd 3 mpd
Azur, Crowne Plaza Changi Airport 7011 1 mpd 3 mpd
Bean’s Party Dessert ????? 1 mpd 3 mpd
Ben’s Cookies 5462 1 mpd 3 mpd
Beppu Menkan 5812 1 mpd 3 mpd
Beurre 5812 1 mpd 3 mpd
Bread & Butterfly by Saveur 5812 1 mpd 3 mpd
Cedele 5814 1 mpd 3 mpd
Coffee@Works ????? 1 mpd 3 mpd
EGA Juice Clinic 5499 1 mpd 3 mpd
Enjoy Eating House 5812 1 mpd 3 mpd
Georges ????? 1 mpd 3 mpd
Gong Cha 5814 1 mpd 3 mpd
Greenhouse 5812 1 mpd 3 mpd
Hair of the Dog ????? 1 mpd 3 mpd
Jarrel’s Bistro 5812 1 mpd 3 mpd
Kanada-Ya 5812 1 mpd 3 mpd
Knots Cafe and Living 5992 1 mpd 3 mpd
Krispy Kreme 5462 1 mpd 3 mpd
Legends Bar 5812 1 mpd 3 mpd
llaollao 5814 1 mpd 3 mpd
Maison de PB 5812 1 mpd 3 mpd
Maison Kayser 5812 1 mpd 3 mpd
MediumRare by Saveur 5812 1 mpd 3 mpd
Menya Kokoro 5812 1 mpd 3 mpd
MyEureka 5441 1 mpd 3 mpd
Niku Kappo 5812 1 mpd 3 mpd
Paris Baguette 5462 1 mpd 3 mpd
PASTAHOLIC 5812 1 mpd 3 mpd
Polar Puffs & Cakes 5462 1 mpd 3 mpd
Saveur 5812 1 mpd 3 mpd
Sushi Airways 5812 1 mpd 3 mpd
Tee Deck 5812 1 mpd 3 mpd
The Coffee Academics 5814 1 mpd 3 mpd
Toss and Turn 5814 1 mpd 3 mpd
TP Tea 5462 1 mpd 3 mpd
Tsuta Japanese Dining 5812 1 mpd 3 mpd
WATAMI Japanese Dining 5812 1 mpd 3 mpd
Workspace Espresso Bar 5814 1 mpd 3 mpd
Wursthans Switzerland 5814 1 mpd 3 mpd
Hudsons Coffee 5942 0.75 mpd 2.25 mpd
The Kitchen by Wolfgang Puck 5812 0.75 mpd 2.25 mpd

* MCC codes are subject to change and sometimes vary between the Visa and Mastercard networks, even for the same merchant. These are based on the best information we have at the time of writing.

Do be aware that a few of the dining merchants in this promotion code under MCC 7011 (Hotels) and most credit cards won’t accrue miles at their bonus rate in this case.

  Activities

Merchant   MCC* Usual rate   Promo rate
Mega Adventure 7999 1 mpd 3 mpd
NERF Action Xperience 7996 1 mpd 3 mpd
Ola Beach Club 5812 1 mpd 3 mpd
Trapped SG 7999 1 mpd 3 mpd

* MCC codes are subject to change and sometimes vary between the Visa and Mastercard networks, even for the same merchant. These are based on the best information we have at the time of writing.

  Retail

Merchant   MCC* Usual rate   Promo rate
Chagaan Cashmere ????? 5 mpd 15 mpd
GROHE 5722 5 mpd 15 mpd
ipse ipsa ipsum 5712 4 mpd 12 mpd
Breitling 5944 3 mpd 9 mpd
HERA 7230 3 mpd 9 mpd
HoneyWorld 5499 3 mpd 9 mpd
PUMA 5941 3 mpd 9 mpd
Sulwhasoo 5977 3 mpd 9 mpd
Creative Jewellery Studio 5944 2 mpd 6 mpd
Nila Aromatherapy 5122 2 mpd 6 mpd
Perk by Kate 5691 2 mpd 6 mpd
RISIS 5950 2 mpd 6 mpd
The 1872 Clipper Tea Co. 5499 2 mpd 6 mpd
ALDO 5661 1 mpd 3 mpd
Bottles & Bottles 5300
5921
1 mpd 3 mpd
Bowers & Wilkins 5732 1 mpd 3 mpd
Bynd Artisan 5948 1 mpd 3 mpd
bYSI 5621
5699
1 mpd 3 mpd
Candy Empire 5441 1 mpd 3 mpd
Capitol Optical 8043 1 mpd 3 mpd
Dragon Brand Bird’s Nest 5499 1 mpd 3 mpd
Her Velvet Vase 5621
5651
1 mpd 3 mpd
In Good Company 5621 1 mpd 3 mpd
JVD 5999 1 mpd 3 mpd
KLARRA 5621 1 mpd 3 mpd
Klosh 5947 1 mpd 3 mpd
LEGO Certified Store 5945 1 mpd 3 mpd
Leong Poh Kee ????? 1 mpd 3 mpd
Neal’s Yard Remedies 5999 1 mpd 3 mpd
Outdoor Life 5941 1 mpd 3 mpd
Prestige Affairs 5712 1 mpd 3 mpd
TWG Tea 5812 1 mpd 3 mpd
V-ZUG Singapore 5722 1 mpd 3 mpd
Xpressflower.com 5992 1 mpd 3 mpd
YACHT 21 5621 1 mpd 3 mpd
Challenger 5045 0.5 mpd 1.5 mpd

* MCC codes are subject to change and sometimes vary between the Visa and Mastercard networks, even for the same merchant. These are based on the best information we have at the time of writing.

  Services

Merchant   MCC* Usual rate   Promo rate
CARs 7542 2 mpd 6 mpd
EA Detailer 7542 2 mpd 6 mpd
For the Love of Laundry 7210 2 mpd 6 mpd
Jete Studios 7911 2 mpd 6 mpd
Jo Artysan 7230 2 mpd 6 mpd
The Little Gym 8299 2 mpd 6 mpd
The Ring Boxing Community 5734 2 mpd 6 mpd
The Working Capitol 7399 2 mpd 6 mpd
JDMIS 8299 1 mpd 3 mpd
LifeSpa 7298 1 mpd 3 mpd
Shunji Matsuo 7230 1 mpd 3 mpd
Sultans of Shave 7230 1 mpd 3 mpd
TONI&GUY 7230 1 mpd 3 mpd

* MCC codes are subject to change and sometimes vary between the Visa and Mastercard networks, even for the same merchant. These are based on the best information we have at the time of writing.

  Wellness

Merchant   MCC* Usual rate   Promo rate
Isabella Aesthetics 7298 5 mpd 15 mpd
DrHair 5977 3 mpd 9 mpd
DrSpa 5977 3 mpd 9 mpd
La Source Spa ????? 3 mpd 9 mpd
Mirage Aesthetic 7230 3 mpd 9 mpd
Skinlab The Medical Spa 7298 3 mpd 9 mpd
FE The Nail Lounge ????? 2 mpd 6 mpd
Jyan Yoga Studio 8299 2 mpd 6 mpd
PHS Hairscience 7298 2 mpd 6 mpd
St Gregory Spa 7011 2 mpd 6 mpd
Sugar(ed) 7298 2 mpd 6 mpd
The Big Blow 7230 2 mpd 6 mpd
Devarana Wellness 7298 1 mpd 3 mpd
Erabelle 7230 1 mpd 3 mpd
Fusion AestheticSpa 5977 1 mpd 3 mpd
Ikeda Spa 7298 1 mpd 3 mpd
Jal Yoga 7997 1 mpd 3 mpd
JR Fitness, Yoga and Dance 7997 1 mpd 3 mpd
Kenko Wellness Spa & Reflexology 7298 1 mpd 3 mpd
Natureland 8011 1 mpd 3 mpd
The Posture Lab 7297 1 mpd 3 mpd

* MCC codes are subject to change and sometimes vary between the Visa and Mastercard networks, even for the same merchant. These are based on the best information we have at the time of writing.

The Kris+ earn rate at Challenger stores was recently hiked from 0.1 mpd to 0.5 mpd. Under this promotion that’s tripled to 1.5 mpd, whether you use Kris+ in-app payment or stick to the old-fashioned way!

Which card to use

As you probably already know, with Kris+ you’ll earn KrisPay miles for your transaction (which you then can and should convert into KrisFlyer miles), on top of the usual points you’ll get when using your best credit card to make payment.


 

 

Where possible, you’ll want to be using a credit card offering a 4 mpd bonus rate when making payment at these merchants, which you’ll then earn separately and in addition to up to 15 mpd through Kris+.

Whether you use Apple Pay, Google Pay or make a direct credit card payment to the merchant, Kris+ confirmed to us that the transaction will code under the applicable Merchant Category Code (MCC) for that outlet.

Simple option:    Contactless

If you hold one of the following credit cards, your simplest option is to earn your highest bonus rate by making a contactless payment with the merchant, while also scanning to earn KrisPay miles through the Kris+ app.

Remember that’s the “old fashioned” way – not using the in-app Apple Pay / Google Pay function (except for the HSBC Revolution, where it makes no difference).

Card Earn
Rate
Notes / MCCs


Offline method
Card3UOB PPV
(see our review)
0.4 mpd 4 mpd On mobile contactless transactions (don’t tap the physical card), capped at S$1,110 per calendar month.
CardUOB Visa Signature
(see our review)
0.4 mpd 4 mpd On contactless transactions, subject to a minimum spend of $1,000 in local transactions per statement period, capped at S$2,000 per statement period.
HSBC Revo Card SmallHSBC Revolution
(see our review)
4 mpd On contactless or mobile wallet payments at specific outlets by MCC, capped at S$1,000 per calendar month.
MCC 3501
MCC 5045
MCC 5441
MCC 5462
MCC 5499
MCC 5621
MCC 5651
MCC 5661
MCC 5691
MCC 5699
MCC 5732
MCC 5734
MCC 5812
MCC 5814
MCC 5944
MCC 5945
MCC 5947
MCC 5948
MCC 5992
MCC 5999
MCC 7011
MCC 7997

More complex:    MCC-specific

The following cards have slightly more complicated MCC restrictions for in-store transactions, but all will award between 3 mpd and 4 mpd for spend in the specific MCCs listed (only those participating in the promotion are shown).

You can reference the participating merchant tables above to check the MCC before choosing which card to use.

For these cards, it doesn’t matter whether you use Apple Pay / Google Pay or the “offline method” when earning, the bonus rate will apply for payments in a valid MCC.

Card Earn
Rate
Notes / MCCs
Ladys CardUOB Lady’s

Ladys Solitaire CardUOB Lady’s Solitaire

4 mpd Capped at S$1,000 per month (Lady’s) or S$3,000 per month (Lady’s Solitaire).
Subject to your specified quarterly bonus category, including:
Dining: MCC 5499
MCC 5812
MCC 5814
Beauty: MCC 5977
MCC 7230
MCC 7297
MCC 7298
Fashion: MCC 5621
MCC 5651
MCC 5661
MCC 5691
MCC 5699
MCC 5948
This image has an empty alt attribute; its file name is CRV-Small.pngCiti Rewards
(see our review)
4 mpd On transactions at stores with shoes, bags and clothes as their main MCC, capped at S$1,000 per statement period.
MCC 5621
MCC 5651
MCC 5661
MCC 5691
MCC 5699
MCC 5948
This image has an empty alt attribute; its file name is Card-trans-Small.pngOCBC TR
(see our review)
4 mpd On shopping transactions in specific MCCs, capped at S$12,000 per card membership year.
MCC 5621
MCC 5651
MCC 5661
MCC 5691
MCC 5699
MCC 5732
CardMaybank Horizon VS
(see our review)
3.2 mpd On all local dining transactions (single MCC only) with a total spend in any category of at least S$300 in the same calendar month.
MCC 5812  
Card SmallKrisFlyer UOB
(see our review)
3 mpd On all dining transactions, with no cap, subject to S$500+ spend on SIA transactions in your membership year (bonus 1.8 mpd on dining credited after the end of your membership year).
MCC 5812 MCC 5814

If you’re making payment by Apple Pay or Google Pay with your Citi Rewards card, don’t make the mistake of thinking that since this will be considered an online transaction you will earn 4 mpd for any non-travel merchant (i.e. outside the shoes / clothes / bags category).

Online transactions using this card specifically exclude mobile wallet payments, so that strategy won’t work.

For the DBS WWMC card, awarding 4 mpd on up to S$2,000 of online spend per calendar month, the bonus miles should apply, in theory, when paying at a merchant using Apple Pay or Google Pay via the Kris+ app.

You may not wish to risk it at this stage, especially for a large payment, until we have some data points on this.

  Still unsure?

If you’re still not sure whether your bonus miles credit card is eligible for the merchant of your choice, our advice is to use your best card for general spend miles accrual, especially if the transaction is substantial.

For smaller amounts you may wish to take the chance, but remember most bonus category spend credit cards earn just 0.4 mpd when you make transactions that the bank decides don’t qualify.

Don’t forget to transfer straight to KrisFlyer miles

KrisPay miles earned through Kris+ can only be transferred to your KrisFlyer account within 7 days of the transaction. To do so, simply tap on the “Transfer to KrisFlyer” button which will appear on the miles earned confirmation screen or transaction details screen.

You can do so later (within 7 days), but why wait?

Remember that KrisPay miles earned per transaction can only be transferred to your account in their entirety. If you earned 100 KrisPay miles from a single Kris+ transaction, for example, the full 100 KrisPay miles must be transferred to your KrisFlyer account. If you have already spent some of your KrisPay miles earned, a partial transfer option is not available.

We therefore recommend transferring to KrisFlyer immediately following any Kris+ earning transaction, in case you either forget or make a mistake later.


 

 

Summary

A fantastic offer from Kris+ over the next two weeks, with triple miles at over 150 merchants across Singapore, even when you don’t use the new in-app payment function.

For dining alone there are almost 80 options to choose from, with plenty of credit cards awarding 3 to 4 mpd rates for payment in this category (mostly MCC 5812).

Nearly 80 dining partners are participating in the 3X miles promotion. (Photo: Stefan Johnson)

Do be careful not to use Kris+ in-app payment via Apple Pay or Google Pay with the UOB PPV or UOB VS cards, since you’ll only earn 0.4 mpd, but instead revert to the “offline payment” method for 4 mpd, while still enjoying the 3X bonus miles earn rate under this promotion.

At retailers offering the top earn rate, you’ll pick up a total haul of 19 mpd including your credit card points, but even with a decent general spend card offering 1.2 mpd on local transactions you can still net a very attractive 16.2 mpd during this offer.

Remember to transfer your KrisPay miles immediately into the KrisFlyer programme after earning, since if they become partially used by mistake or you forget after 7 days, they’ll be stuck in the Kris+ app, where their value is dismal.

(Cover Photo: Perch)

Leave a Reply