Credit Cards KrisFlyer News

Kris+ cutting earn rates at 70 merchants by up to 67% from October

Nearly 70 Kris+ merchants are reducing their earn rate from 1st October 2023, some by up to two-thirds.

Here's the full list.

Back in May 2023, SIA’s “lifestyle app” Kris+ cut its miles earning rates at over 70 merchants island-wide by up to 67%, and there’s some bad news this week with confirmation that a second similar cull is happening from the start of October 2023.

Kris+ has now revealed that another 68 merchants that are part of the earning programme will have their accrual rates cut from 1st October 2023.


That’s a shame as Kris+ is a very useful way of topping up your KrisFlyer miles balance throughout the year, but the good news is that over 80% of merchants will see no change to their current earning rates.

Reduced earn rates at nearly 70 merchants

There are currently an impressive 436 Kris+ earning merchants across Singapore, with thousands of outlets between them, and the vast majority are not changing their earning rates.

(Image: Singapore Airlines)

Unfortunately, 68 merchants are moving to a lower earn rate from 1st October 2023, only around 16% of the cohort, but many of them are popular and easy ways to accrue large volumes of miles, so the effect may feel a little more disproportionate than that.

Here’s a summary of how many merchants will drop into each category from 1st October 2023, compared to now.

Kris+ Earning Rates

Earn Rate Merchants
Till 30th September 2023 From 1st October 2023
9 mpd 169 149
7 mpd 14
6 mpd 173 172
5 mpd 12 1
3 mpd 50 96
2 mpd 3 3
1.5 mpd 1 1
1 mpd 14 14
Total 436 436
  • The average earn rate across all 436 Kris+ merchants will drop from 6.6 mpd to 6.2 mpd from 1st October 2023.
  • The average earn rate across the 68 Kris+ merchants cutting their earn rate will drop from 7.0 mpd to 4.0 mpd from 1st October 2023.

Full list: 5 mpd merchants cutting rates

A total of 11 merchants currently earning 5 mpd are shifting to 3 mpd from 1st October 2023. This includes the Paradise restaurant outlets.


Here’s the full rundown of all 5 mpd merchants suffering reduced earn rates from 1st October 2023.

5 mpd merchant rate cuts

Merchant Current rate   New rate
Beauty in The Pot 5 mpd 3 mpd
Canton Noodle & Congee House 5 mpd 3 mpd
Canton Paradise 5 mpd 3 mpd
Le Shrimp Ramen 5 mpd 3 mpd
LeNu Chef Wai’s Noodle Bar 5 mpd 3 mpd
Paradise Classic 5 mpd 3 mpd
Paradise Dynasty 5 mpd 3 mpd
Paradise Hotpot 5 mpd 3 mpd
Paradise Teochew 5 mpd 3 mpd
Seafood Paradise 5 mpd 3 mpd
Taste Paradise 5 mpd 3 mpd

These changes would effectively wipe out the 5 mpd earn rate, but there is actually a single merchant sticking to its 5 mpd earn rate – Kind Kones.

Full list: 6 mpd merchants cutting rates

23 out of 173 current 6 mpd merchants in the Kris+ programme are halving their earn rate to 3 mpd, including Sultans of Shave and Barossa Steak & Grill.


Here’s the full rundown of all 6 mpd merchants suffering reduced earn rates from 1st October 2023.

6 mpd merchant rate cuts

Merchant Current rate   New rate
Bangkok Jam 6 mpd 3 mpd
Barossa Steak & Grill 6 mpd 3 mpd
Chez Vous 6 mpd 3 mpd
De Arte Hair Studio 6 mpd 3 mpd
Erabelle 6 mpd 3 mpd
Ikeda Spa 6 mpd 3 mpd
Joyre TCMedi SPA 6 mpd 3 mpd
Kenko Wellness Spa & Reflexology 6 mpd 3 mpd
LifeSpa 6 mpd 3 mpd
Princess’s Cottage 6 mpd 3 mpd
Rocku Yakiniku 6 mpd 3 mpd
SARAI 6 mpd 3 mpd
Shunji Matsuo 6 mpd 3 mpd
SK Jewellery 6 mpd 3 mpd
Splice Barbershop 6 mpd 3 mpd
Suki-Ya KIN 6 mpd 3 mpd
Sultans of Shave 6 mpd 3 mpd
Syoujin 6 mpd 3 mpd
Tajimaya Yakiniku 6 mpd 3 mpd
Tanglin Cookhouse 6 mpd 3 mpd
The Thai Spa 6 mpd 3 mpd
Vineyard 6 mpd 3 mpd

Full list: 7 mpd merchants cutting rates

All 14 of the current 7 mpd merchants are cutting their earn rate to 6 mpd, a modest 14% reduction. This will remove the 7 mpd earn rate from the programme.

Here’s the full rundown of affected merchants.

7 mpd merchant rate cuts

Merchant Current rate   New rate
Dancing Crab 7 mpd 6 mpd
Douraku Sushi 7 mpd 6 mpd
Lao Beijing 7 mpd 6 mpd
LingZhi Vegetarian 7 mpd 6 mpd
QIN Restaurant & Bar 7 mpd 6 mpd
Slappy Cakes 7 mpd 6 mpd
Sushi Mieda 7 mpd 6 mpd
Tóng Lè Private Dining 7 mpd 6 mpd
TungLok Heen 7 mpd 6 mpd
TungLok Peking Duck 7 mpd 6 mpd
TungLok Seafood 7 mpd 6 mpd
TungLok Signatures 7 mpd 6 mpd
TungLok Teahouse 7 mpd 6 mpd
USHIO Sumiyaki & Sake Bar 7 mpd 6 mpd

Full list: 9 mpd merchants cutting rates

Finally 20 of 169 current 9 mpd merchants are cutting their earn rate to wither 6 mpd, a 33% reduction, or most significantly to just 3 mpd, a 67% hit.


Here’s the full rundown of all 9 mpd merchants suffering reduced earn rates from 1st October 2023.

9 mpd merchant rate cuts

Merchant Current rate   New rate
DrHair 9 mpd 6 mpd
DrSpa 9 mpd 6 mpd
La Source Spa 9 mpd 6 mpd
Mirage Aesthetic 9 mpd 6 mpd
St. Gregory (Parkroyal Pickering) 9 mpd 6 mpd
St. Gregory (Parkroyal Beach Road) 9 mpd 6 mpd
St. Gregory Spa (Pan Pacific) 9 mpd 6 mpd
Willow Stream Spa 9 mpd 6 mpd
Browtisan 9 mpd 3 mpd
FE The Nail Lounge 9 mpd 3 mpd
HADA Aesthetics 9 mpd 3 mpd
House of Traditional Javanese Massage 9 mpd 3 mpd
Jo Artysan 9 mpd 3 mpd
Multiflora TCM Spa 9 mpd 3 mpd
N20 Nail Spa 9 mpd 3 mpd
Perky Lash 9 mpd 3 mpd
Regina Hair Removal Specialist 9 mpd 3 mpd
SkinFitness 9 mpd 3 mpd
Sugar(ed) 9 mpd 3 mpd
The Big Blow 9 mpd 3 mpd

The biggest drop here affects many of the programme’s spa and wellness merchants, like Perky Lash and Browtisan.

How to earn miles with Kris+ when purchasing

Since September 2021, in-app payments have been the only way to earn Kris+ miles when purchasing in-store at an earning partner.

The process is straightforward, just scan the merchant’s QR code and make payment using Apple Pay or Google Pay with your linked credit card.

The app then credits your miles instantly, which you should then transfer immediately to your KrisFlyer account (you only have seven days to do so, before the miles are stuck in KrisPay with a paltry 0.67 cents rebate value against future purchases).

Around 370 merchants keep the same earn rate

The other good news regarding this unfortunate earning reduction at many merchants is that the vast majority – 368 or 84% – will be unscathed and continue to earn at their current rates, even after 1st October 2023.

If your favourite merchants are on this list – there’s no need to worry as nothing will be changing for you. Click the list below to expand and see for yourself.


Merchant   Earn rate
25 Degrees Burger, Wine & Liquor Bar (Hotel G) 9 mpd
5 ON 25 - Andaz Singapore 9 mpd
665°F - Andaz Singapore 9 mpd
Aether House 9 mpd
Alley on 25 - Andaz Singapore 9 mpd
Alma by Juan Amador 9 mpd
Amò 9 mpd
ANTI:DOTE (Fairmont Singapore) 9 mpd
Art di Daniele Sperindio 9 mpd
Arteastiq (Jewel Changi Airport) 9 mpd
Arteastiq (Mandarin Gallery) 9 mpd
Arteastiq Bistro (Plaza Singapura) 9 mpd
Asian Market Café (Fairmont Singapore) 9 mpd
atout 9 mpd
Atrium Restaurant - Holiday Inn Singapore Atrium 9 mpd
BAKALAKI Greek Taverna 9 mpd
Bar Square - Andaz Singapore 9 mpd
BBQ Express 9 mpd
Botanico at The Garage 9 mpd
Braci 9 mpd
Cajun On Wheels (Plaza Singapura) 9 mpd
CLOVE 9 mpd
Club 5 (PARKROYAL on Beach Road) 9 mpd
Delibowl 9 mpd
Edge (Pan Pacific Singapore) 9 mpd
FIRE 9 mpd
FLNT 9 mpd
GEMMA 9 mpd
Ginett Restaurant & Wine Bar (Hotel G) 9 mpd
Ginger (PARKROYAL on Beach Road) 9 mpd
Hai Tien Lo (Pan Pacific Singapore) 9 mpd
Honeymill 9 mpd
Island Creamery 9 mpd
Jiang-Nan Chun - Four Seasons Hotel Singapore 9 mpd
Keyaki (Pan Pacific Singapore) 9 mpd
L'Angelus 9 mpd
Les Bouchons 9 mpd
Levant 9 mpd
LeVeL33 9 mpd
Li Bai Cantonese Restaurant (Sheraton Towers) 9 mpd
Lime (PARKROYAL COLLECTION Pickering) 9 mpd
Lime House 9 mpd
Little Italy Salumeria 9 mpd
Lobby Lounge & Bar (Holiday Inn Singapore) 9 mpd
Manna Bistro & Grill 9 mpd
Mikuni (Fairmont Singapore) 9 mpd
Mimi Restaurant 9 mpd
Mitsu Sushi Bar 9 mpd
MONTI 9 mpd
Mr Stork - Andaz Singapore 9 mpd
NOBU Singapore 9 mpd
Nuodle 9 mpd
One-Ninety Bar - Four Seasons Hotel Singapore 9 mpd
One-Ninety Restaurant - Four Seasons Hotel Singapore 9 mpd
Origin Grill (Shangri-La Singapore) 9 mpd
OverEasy 9 mpd
Pacific Marketplace (Pan Pacific Singapore) 9 mpd
Paper Rice 9 mpd
Pastaria Abate 9 mpd
Peach Blossoms (PARKROYAL COLLECTION Marina Bay) 9 mpd
Peppermint (PARKROYAL COLLECTION Marina Bay) 9 mpd
Portman’s Bar (PARKROYAL COLLECTION Marina Bay) 9 mpd
Prego (Fairmont Singapore) 9 mpd
Ristorante Da Valentino 9 mpd
Si Chuan Dou Hua 9 mpd
SKAI Bar (Swissôtel The Stamford) 9 mpd
SKAI Restaurant (Swissôtel The Stamford) 9 mpd
Skyline Bar (PARKROYAL COLLECTION Marina Bay) 9 mpd
SO France Bistro 9 mpd
Solo Ristorante 9 mpd
Southbridge 9 mpd
Spice Brasserie (Parkroyal Kitchner) 9 mpd
Tandoor (Holiday Inn Orchard) 9 mpd
Tapas,24 9 mpd
The Coconut Club 9 mpd
The Dining Room (Sheraton Towers) 9 mpd
The Line (Shangri-La Singapore) 9 mpd
The Nursery Café & Bar 9 mpd
The Spot 9 mpd
The Stamford Brasserie 9 mpd
The Summerhouse 9 mpd
The White Tiffin 9 mpd
The Whole Kitchen 9 mpd
The Xiang Pavilion 9 mpd
Tian Fu Tea Room 9 mpd
TONITO Latin American Kitchen 9 mpd
UNA at Alkaff Mansion 9 mpd
Uni Gallery By Oosterbay 9 mpd
WAKANUI Grill Dining Singapore 9 mpd
Window on the Park (Holiday Inn) 9 mpd
Wooloomooloo Steakhouse 9 mpd
Xin Cuisine Chinese (Holiday Inn) 9 mpd
108 Matcha Saro 6 mpd
Aburi-EN 6 mpd
Alegria Singapore 6 mpd
Andersen's of Denmark 6 mpd
Anglo Indian Café & Bar 6 mpd
BAM! Restaurant 6 mpd
Bee Cheng Hiang Grillery 6 mpd
Beppu Menkan 6 mpd
Bistro G 6 mpd
Café Monochrome 6 mpd
Cedele 6 mpd
Cheeselads 6 mpd
Chingu Dining 6 mpd
Co Chung 6 mpd
Co+Nut+ink 6 mpd
COCA 6 mpd
DOCO Donburi 6 mpd
Edith Patisserie 6 mpd
EN Dining 6 mpd
Enjoy Eating House and Bar 6 mpd
Evan's Kitch 6 mpd
Geometry 6 mpd
Georges 6 mpd
Gong Cha 6 mpd
Greenhouse - Dusit Thani Laguna Singapore 6 mpd
Gyutan-Tan 6 mpd
Haakon Superfood and Juice 6 mpd
Huggs Coffee 6 mpd
Ikigai Izakaya the Riverwalk 6 mpd
iVegan 6 mpd
Joy Luck Teahouse 6 mpd
JU95 6 mpd
Kabuke 6 mpd
Kam's Roast 6 mpd
Kazo Singapore 6 mpd
Krispy Kreme 6 mpd
Legends Bar - Dusit Thani Laguna Singapore 6 mpd
Little Caesars Pizza 6 mpd
llaollao 6 mpd
Maison Kayser 6 mpd
MediumRare by Saveur 6 mpd
Menya Kokoro 6 mpd
Mrs Pho 6 mpd
Nagara Thai Gold 6 mpd
Niku Kappo 6 mpd
O Happi Place 6 mpd
Ola Beach Club 6 mpd
Paris Baguette 6 mpd
Polar Puffs & Cakes 6 mpd
Red House Seafood 6 mpd
Sakunthala's Food Palace 6 mpd
Saveur 6 mpd
Srisun Express 6 mpd
Straits Chinese Restaurant 6 mpd
Sushi Airways 6 mpd
Sushi Jiro Parkroyal Collection Marina Bay 6 mpd
TANOKE 6 mpd
Tee Deck - Dusit Thani Laguna Singapore 6 mpd
The Coffee Academics 6 mpd
The Meatery 6 mpd
The Queen's Pub 6 mpd
Toss & Turn 6 mpd
TP Tea 6 mpd
True Blue Cuisine 6 mpd
Tsuta Japanese Dining 6 mpd
Vibes Café 6 mpd
Waku-Shin Yakiniku Restaurant 6 mpd
Wine & Chef 6 mpd
Yakiniquest 6 mpd
Yenly Yours Dessert 6 mpd
Zaffron Kitchen 6 mpd
Kind Kones 5 mpd
8 Korean BBQ (The Central) 3 mpd
Alice Boulangerie 3 mpd
ASAP & Co. 3 mpd
Cali 3 mpd
Canadian Pizza 3 mpd
Cherry & Oak 3 mpd
D'Cuisines Restaurant 3 mpd
Dopo Teatro 3 mpd
First Grill Signature & The Chill Club 3 mpd
Fish Mart Sakuraya 3 mpd
Honolulu Café Singapore (HK Cha Caan Teng) 3 mpd
JINJJA Chicken 3 mpd
Joo Bar 3 mpd
Konyo 3 mpd
Little Island Brewing Co. (Changi) 3 mpd
Little Island Brewing Co. (South Beach) 3 mpd
Octapas Spanish Tapas Bar 3 mpd
Overscoop 3 mpd
Queic by Olivia 3 mpd
Ryan's Kitchen 3 mpd
Social Place 3 mpd
Swatow Restaurant 3 mpd
Tongue Tip Lanzhou Beef Noodles 3 mpd
iSTEAKS 2 mpd
iSTEAKS Reserved 2 mpd
SIMPLEburger 2 mpd


Merchant   Earn rate
Chokmah 9 mpd
Kiztopia 9 mpd
Matchday Central 9 mpd
Singapore Sidecars 9 mpd
The Ballet & Music Company 9 mpd
The Par Club Singapore 9 mpd
Trickeye @ Southside 9 mpd
Virtual Room 9 mpd
BazGym Gymnastics School 6 mpd
Futurum Academy 6 mpd
IMC Live Global 6 mpd
Madame Tussauds SG 6 mpd
Mega Adventure Sentosa 6 mpd
National Gallery Singapore 6 mpd
NERF Action Xperience 6 mpd
Power Kids Gym 6 mpd
Sentosa 6 mpd
Spin Paint House 6 mpd
The Art Nooq 6 mpd
The Royal Albatross 6 mpd
Tree Art 6 mpd
Camberley Pre-School 3 mpd
iFly Singapore 3 mpd
Mount Faber Leisure 1 mpd


Merchant Earn rate
Affordable Wines 9 mpd
Bacha Coffee 9 mpd
Bratpack 9 mpd
Breitling 9 mpd
Chagaan Cashmere 9 mpd
Coldwear 9 mpd
Creative Jewellery Studio 9 mpd
CYC Made to Measure 9 mpd
Dear Collective 9 mpd
Delsey Paris 9 mpd
Eden and Elie 9 mpd
Farm Frozen 9 mpd
GROHE 9 mpd
Herschel Supply Co 9 mpd
HoneyWorld 9 mpd
ipse ipsa ipsum 9 mpd
Janice Wong Singapore 9 mpd
Kim Choo Kueh Chang 9 mpd
LeCaine Gems 9 mpd
Little Big Garden 9 mpd
LPB Market 9 mpd
Mayer 9 mpd
Nila Aromatherapy 9 mpd
Penhaligon's 9 mpd
Perk By Kate 9 mpd
PUMA 9 mpd
RISIS 9 mpd
SO France Market 9 mpd
Softhaus 9 mpd
State Property 9 mpd
Sunnystep 9 mpd
The 1872 Clipper Tea Co. 9 mpd
The Nursery Singapore 9 mpd
The Shirt Bar 9 mpd
Timbuk2 9 mpd
Travel Zone 9 mpd
Victorinox 9 mpd
808 Cycles 6 mpd
Adertek Baby & Kids 6 mpd
AIBI 6 mpd
All India Supermart 6 mpd
Angra Wine & Spirit 6 mpd
Asics 6 mpd
Babynatureco. 6 mpd
Bee Cheng Hiang 6 mpd
Birkenstock 6 mpd
Bottles & Bottles 6 mpd
Bynd Artisan 6 mpd
Candy Empire 6 mpd
Capitol Optical 6 mpd
Carv Artisanal Butchery 6 mpd
Cole Haan 6 mpd
Cycle Project Store 6 mpd
Dragon Brand Bird's Nest 6 mpd
Dreamcore 6 mpd
Ecco 6 mpd
EGA Juice Clinic 6 mpd
Four Seasons Durians 6 mpd
Gaia 6 mpd
Garrett Popcorn Shops® 6 mpd
Golden Moments 6 mpd
GUESS 6 mpd
Her Velvet Vase 6 mpd
HipVan 6 mpd
In Good Company 6 mpd
JVD 6 mpd
Kim Tee 6 mpd
Klarra 6 mpd
Klosh 6 mpd
La Senza 6 mpd
LEGO® Certified Store (Bricks World) 6 mpd
Leong Poh Kee 6 mpd
Love & Co. 6 mpd
Maison Berger Paris 6 mpd
MBT 6 mpd
MyEureka 6 mpd
Neal's Yard Remedies 6 mpd
Old Seng Choong 6 mpd
Outdoor Life 6 mpd
PEDRO 6 mpd
Prestige Affairs 6 mpd
Pretty Ballerinas 6 mpd
Smeg 6 mpd
Sri Murugan 6 mpd
Superdry 6 mpd
The Experts Sound 6 mpd
TWG Tea 6 mpd
Vitakids 6 mpd
YACHT 21 6 mpd
Adidas 3 mpd
Benjamin Barker 3 mpd
Cath Kidston 3 mpd
Columbia 3 mpd
Famous Amos 3 mpd
G2000 3 mpd
GRT Jewellers 3 mpd
Kele Singapore 3 mpd
Lamalolly 3 mpd
Le Petit Society 3 mpd
Royal Sporting House 3 mpd
Sealy Posturepedic 3 mpd
Simmons 3 mpd
Sun & Sand Sports (SSS) 3 mpd
Sunday Staples 3 mpd
The Chinese Wedding Shop 3 mpd
The Green Capsule 3 mpd
WatchBox 3 mpd
ZANSAN 3 mpd
KrisShop 1.5 mpd
Audio House 1 mpd
Challenger 1 mpd
Harvey Norman 1 mpd
iStudio 1 mpd
Parisilk 1 mpd


Merchant Earn rate
Amici Events and Catering 9 mpd
CARs 9 mpd
EA Detailer 9 mpd
For the Love of Laundry 9 mpd
Maharaja's Tailors 9 mpd
The Little Gym Singapore 9 mpd
JDMIS 6 mpd
Smilepoint Dental Centre 6 mpd
The Toothbar Dental 6 mpd
WhyQ 6 mpd
Ardennes Health 3 mpd
Fullerton Health 3 mpd
Fusion Medical 3 mpd
Minmed Group 3 mpd
Phoenix Medical Group 3 mpd
ASA Holidays 1 mpd
CDG Zig 1 mpd
CTC Travel 1 mpd
EU Holidays 1 mpd
Hong Thai Travel 1 mpd
L.G.E Travel Singapore 1 mpd
Super Travels 1 mpd
UOB Travel 1 mpd


Merchant Earn rate
Jete Studios 9 mpd
Jyan Yoga Studio 9 mpd
Revel Fit 9 mpd
The Ring Boxing Community 9 mpd
Devarana Wellness - Dusit Thani Laguna Singapore 6 mpd
Jal Yoga 6 mpd
JR Fitness 6 mpd
Options Pilates Studio 6 mpd
St. Gregory (PARKROYAL COLLECTION Marina Bay) 6 mpd
Fresver Beauty 3 mpd

Credit card points of up to 6 mpd are still in addition

Another thing that’s not changing about Kris+ is that you’ll still accrue points or miles on your credit card for the spend made for in-app payment transactions, in some cases adding up to 6 mpd to the maximum 9 mpd Kris+ is dishing out, for up to 15 mpd total earning.

This depends on the credit card you hold and the merchant category (MCC code) of the retailer.


Where possible, you’ll want to be using a credit card offering a 6 mpd or 4 mpd bonus rate when making payment at these merchants, which you’ll then earn separately and in addition to up to 9 mpd through Kris+.

The following cards will earn at their bonus rates of between 3 mpd and 6 mpd for spend in the specific MCCs listed. You can check the MCC with the merchant in advance of your payment if you are unsure, though some are obvious (like restaurants – 5812).

Card Earn
Notes / MCCs
Ladys CardUOB Lady’s

Ladys Solitaire CardUOB Lady’s Solitaire

6 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
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
This image has an empty alt attribute; its file name is Card-small.pngDBS WWMC
(see our review)
4 mpd On on up to S$2,000 of online spend per calendar month, including when paying at a merchant using Apple Pay or Google Pay via the Kris+ app.
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 Kris+ spend, with no minimum and no upper cap.

Don’t use your Citi Rewards card to make payment with Apple Pay or Google Pay on Kris+, since online transactions using this card specifically exclude mobile wallet payments and will therefore earn at the basic rate of 0.4 mpd.


If you’re 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.

Stacking example

Let’s say you make an S$80 purchase at Bottles&Bottles, a 6 mpd merchant with Kris+, and pay in-app using your DBS WWMC card.

Total earning for the transaction will be:

  • 480 KrisPay miles (S$80 x 6) awarded instantly
  • 16 DBS Points awarded when the transaction posts (~ 3 days)
  • 144 DBS Points awarded around the middle of the following month

The 160 DBS Points you’ll accrue in total are equivalent to 320 KrisFlyer miles, and the 480 KrisPay miles can be instantly converted 1:1 into KrisFlyer miles, for a total effective earning of 800 KrisFlyer Miles for this S$80 purchase (10 mpd).




Kris+ is cutting earn rates at nearly 70 merchants from 1st October 2023, in some cases by as little as 14% (those moving from 7 mpd to 6 mpd), but in the worst cases by 67% (those moving from 9 mpd to just 3 mpd).

There are still a few days to take advantage of current earn rates before the cuts take effect, so you should plan any purchases you need by 30th September 2023 at these retailers if possible.

In other good news, nearly 380 Kris+ merchants aren’t changing their earn rates at all, and this list includes some of our personal favourite eating, drinking and shopping outlets, like Paris Baguette, Southbridge, LeVeL33, Cole Haan, Bottles & Bottles and Superdry.

While this is an unfortunate cut in earn rates at many partners, ultimately Kris+ has been offering significant generosity since increasing these over a year ago, especially at electronics stores where large purchases must have been resulting in some significant miles accruals and associated costs for retailers like iStudio.

Even these outlets will retain 1 mpd earning from 1st October 2023, on top of your credit card points, and any miles are better than no miles provided the goods are no more expensive than they would be elsewhere!

As always, never forget the golden rule – transfer your KrisPay miles straight into your KrisFlyer account after each purchase!

(Cover Photo: Stefan Johnson)


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