KrisFlyer credit cards – how to earn KrisFlyer Miles in Australia

No Australian credit card lets you earn KrisFlyer Miles directly. But several reward programs convert to KrisFlyer Miles at a rate of 3:1.

The credit cards in this table let you convert reward points to KrisFlyer Miles. The points values listed in the table are the original reward program points, not KrisFlyer Miles.
1 - 10 of 28
Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
St.George Amplify Signature
St.George Amplify Signature image
Amplify Rewards
Bonus points
150,000
Points per $ spent
1.5
Purchase rate p.a.
20.99%
Annual fee
$199 first year ($295 after)
Go to siteMore Info
150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer image
Finder Award
Velocity Frequent Flyer
Bonus points
N/A
Points per $ spent
0.66
Purchase rate p.a.
20.74%
Annual fee
$149
Go to siteMore Info
Get 0% p.a. on balance transfers for 24 months (with 1% BT fee) and $129 Virgin Australia Gift Voucher.
American Express Platinum Card
American Express Platinum Card image
Membership Rewards Ascent Premium
Bonus points
150,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,450
Go to siteMore Info
Earn 150,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
American Express Explorer Credit Card
American Express Explorer Credit Card image
Membership Rewards
Bonus points
50,000
Points per $ spent
2
Purchase rate p.a.
23.99%
Annual fee
$395
Go to siteMore Info
Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
NAB Rewards Platinum Card
NAB Rewards Platinum Card image
NAB Rewards
Bonus points
100,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$45 first year ($195 after)
Go to siteMore Info
Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
American Express Platinum Business Card
American Express Platinum Business Card image
Finder Award
Membership Rewards Ascent Premium
Bonus points
250,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$875 first year ($1,750 after)
Go to siteMore Info
ABN holders w/ $75,000 revenue. Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount.
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card image
Finder Award
ANZ Rewards Program
Bonus points
180,000
Points per $ spent
2
Purchase rate p.a.
20.99%
Annual fee
$375
Go to siteMore Info
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card image
Westpac Altitude Rewards
Bonus points
120,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$99 first year ($175 after)
Go to siteMore Info
Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
NAB Rewards Platinum Card – Velocity Points
NAB Rewards Platinum Card – Velocity Points image
Velocity Frequent Flyer
Bonus points
80,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$95 first year ($195 after)
Go to siteMore Info
Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
American Express Essential Rewards Credit Card
American Express Essential Rewards Credit Card image
Membership Rewards
Bonus points
40,000
Points per $ spent
1
Purchase rate p.a.
23.99%
Annual fee
$108
Go to siteMore Info
Offers 40,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months.
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How do I earn KrisFlyer Miles with a credit card in Australia?

No Australian credit cards let you earn KrisFlyer Miles (points) directly.

Instead, you can get a credit card that lets you earn rewards points that convert to KrisFlyer Miles via partnerships with the Singapore Airlines loyalty program.

This includes American Express Membership Rewards, ANZ Rewards, NAB Rewards, St.George Amplify and Westpac Altitude Rewards.

How many KrisFlyer Miles will I earn with a credit card?

Most reward points that partner with Singapore Airlines convert to KrisFlyer Moints at a rate of 3 rewards points to 1 KrisFlyer Mile.

  • Earn rate. If a card has an earn rate of 1.5 points per $1 spent, that works out 0.5 KrisFlyer Miles per dollar spent.
  • Bonus Points. If a card offers 150,000 bonus reward points, that works out to 50,000 bonus KrisFlyer Miles.

Credit card reward programs that offer KrisFlyer miles

Here are details of the reward programs that offer point transfers to Singapore Airlines KrisFlyer, including Velocity Frequent Flyer. We've included the point transfer rates that are publicly available.

Rewards programTransfer rates and detailsMinimum transfer
American Express Membership Rewards3 Membership Rewards points = 1 KrisFlyer mile7,500 Membership Rewards points
ANZ Rewards3 ANZ Rewards points = 1 KrisFlyer mile1,500 ANZ Reward Points
Bank of Melbourne Amplify Rewards3 Amplify Rewards points = 1 KrisFlyer mile3,000 Amplify Rewards points
BankSA Amplify Rewards3 Amplify Rewards points = 1 KrisFlyer mile3,000 Amplify Rewards points
Citi Rewards3 Citi Rewards = 1 KrisFlyer mileNot publicly listed – log in to your Citi Rewards account for details
CommBank Awards3 CommBank Awards Points = 1 KrisFlyer mileNot publicly listed – log in to your CommBank Awards account for details
HSBC Rewards Plus (Premier card only)2 HSBC Rewards points = 1 KrisFlyer mile5,000 HSBC Rewards points
NAB Rewards3 NAB Rewards points = 1 KrisFlyer mile3,000 NAB Rewards points
St.George Amplify Rewards3 Amplify Rewards points = 1 KrisFlyer mile3,000 Amplify Rewards points
Suncorp Rewards2.5 points = 1 KrisFlyer mileNot publicly listed – log in to your Suncorp Rewards account for details
Star Alliance (HSBC)1 Star Alliance Point = 0.8 KrisFlyer miles1,000 Star Alliance Points
Velocity Frequent Flyer1.55 Velocity Points = 1 KrisFlyer miles5,000 Velocity Points
Westpac Altitude3 Altitude Points = 1 KrisFlyer mile3,000 Altitude Points

Pros and cons of earning KrisFlyer Points

Pros

  • Get KrisFlyer miles without flying. By earning points per $1 on your eligible credit card spending, you can add to your KrisFlyer miles balance even when you're not flying.
  • Fly Singapore Airlines. Singapore Airlines is a highly regarded airline and flies to a huge number of destinations, particularly in Asia and Europe.
  • Choice of rewards. If you want to switch from earning KrisFlyer miles, a rewards credit card gives you lots of other ways to redeem points.
  • Other travel perks. Many credit cards also offer other travel benefits, such as complimentary insurance, lounge access and concierge services you can use to get more bang for your buck.

Cons

  • Low points earning potential. You can't earn KrisFlyer Points directly, and most reward points convert to KrisFlyer Points at a rate of 3:1. This means 150,000 reward points only get you 50,000 KrisFlyer Points. You can often convert similar points to Qantas or Velocity at a 2:1 rate. This also means you earn fewer points per dollar spent too.
  • High rates and fees. Reward credit cards have higher annual fees and interest rates than no-frill options, so you'll need to make sure the KrisFlyer miles you're earning outweigh the costs. Here's how to calculate the value.
  • KrisFlyer miles expiry risk. KrisFlyer Miles expire 36 months after you earn them.
Richard Whitten's headshot
Our expert says: Should you get a credit card for KrisFlyer points?

"You can get a credit card that offers 100,000 bonus Qantas or Velocity Points. Or a rewards card where the points convert at a rate of 2:1. But you can't earn KrisFlyer points directly with an Australian card, and most rewards points convert to KrisFlyer points at a rate of 3:1. So this is only going to work out if you are really committed to flying with Singapore Airlines. It's a great airline that flies to many destinations, but at a pure points value perspective it probably won't get you the most bang for your buck."

What else do I need to know about credit cards with KrisFlyer Miles?

If you want to earn more KrisFlyer miles with a credit card, make sure you think about these details:

  • Earn rate. As well as looking at the number of credit card points you'll earn per $1 spent, work out what this converts to in KrisFlyer miles. For example, with a card that earns 2 points per $1 and has a conversion rate of 2:1, you'd essentially earn 1 KrisFlyer mile per $1 spent.
  • Bonus points. Work out how many KrisFlyer miles you'll get once the bonus points are transferred (based on the card's conversion rate). Also look at the minimum spend requirement and decide if you'll be able to make enough purchases to meet it.
  • Points caps. Some reward credit cards limit the number of points you can earn per month or year. If you think your spending will take you over a card's points cap, you may want to look for one that offers a higher cap or uncapped rewards.
  • Point transfer times. It could take up to 15 business days from when you transfer points to when they're added to your KrisFlyer account. So you'll need to factor that in when you're planning to redeem KrisFlyer miles for a reward flight.
  • Rates and fees. Check the ongoing annual fee, keeping in mind that some cards offer a reduced or $0 annual fee in the first year. Also look at the interest rate that will apply to your purchases if you don't pay off your whole balance each month.

Get more details on Singapore Airlines KrisFlyer program in Finder's full guide, or compare a wider range of frequent flyer credit card offers available now.

Frequently asked questions

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To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.
Amy Bradney-George's headshot
Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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8 Responses

    Default Gravatar
    LisaSeptember 2, 2019

    1 Are there any credit cards in Australia that will link into KrisFlyer( Singapore Airlines) frequent flyer program?
    2 Our current credit card is Westpac earth black( apparently not available any longer) giving us Qantas points- but we want Kris Flyer.

      Default Gravatar
      NikkiSeptember 3, 2019

      Hi Lisa,

      Thanks for getting in touch!

      As of this writing, there aren’t any credit cards in Australia that directly earn Singapore Airlines KrisFlyer Miles. However, many reward credit cards allow you to earn points for your everyday spending, which you can then transfer to your KrisFlyer account or to another partnered frequent flyer program. You may refer to our guide about transferring frequent flyer points. With this option, you usually need to earn a minimum number of credit card reward points before you can redeem them for KrisFlyer Miles.

      Hope this helps!

      Best.
      Nikki

    Default Gravatar
    HakanJune 26, 2015

    Hi, are there any Visa or MasterCards which I can use for daily spendings and accumulate KrisFlyer points?

      AvatarFinder
      SallyJune 26, 2015Finder

      Hi Hakan,

      The Singapore Airlines Westpac Platinum Card is no longer available.

      You can view the other Singapore Airlines credit cards available on this page. You can select the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      I hope this has helped.

      Thanks,
      Sally

    Default Gravatar
    faroukMay 3, 2015

    Hi. My wife and I are Westpac Platinum cc holders. How do we tie up these cards with Singapore airline Visa card? What are the pluses & minuses?
    Can we still get free travel insurance & earn F/ Flyer points?

    Please advise,

    Thanks

    Farouk

      AvatarFinder
      JonathanMay 6, 2015Finder

      Hi Farouk, thanks for your inquiry!

      Unfortunately the Singapore Westpac credit cards are no longer an active offer, unless you currently hold an active Singapore Airlines Westpac credit card. Altitude Rewards points transfer over to Singapore’s KrisFlyer program at the rate of 2 for 1, and have a minimum transaction amount of 3,000 points to get the conversion started.

      Cheers,

      Jonathan

    Default Gravatar
    JonathanMay 5, 2013

    Can you make tax payments to the ATO?

      AvatarFinder
      JacobMay 6, 2013Finder

      Hi Johnathan. Thanks for your question. If you make the transaction as a BPAY payment, you will not earn rewards points as BPAY payments do not earn points. If you can get the ATO to direct debit from the account, you can earn points on this transaction. Hope this helps. Jacob.

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