Are there credit cards that earn KrisFlyer miles directly?

Right now, there aren't any credit cards in Australia that accumulate Singapore Airlines KrisFlyer miles directly. But there are many credit cards on the market that earn reward points you can transfer to KrisFlyer.

What credit card has the highest Singapore Airlines KrisFlyer earn rate?

The HSBC Star Alliance Credit Card used to offer one of the highest equivalent KrisFlyer earn rates, but HSBC is no longer accepting new applications as it closes its Australian retail banking business. Of the programs in the table above, Velocity Frequent Flyer has the best published transfer rate to KrisFlyer, so a card that earns Velocity Points is worth a look. To find the highest KrisFlyer earn rate, combine each card's points earn rate per $1 with its transfer rate to KrisFlyer. Also check whether the card caps the points you can earn, as some cards earn fewer points once you pass a spending threshold in a statement period.

Can I set up an auto-transfer to get KrisFlyer miles instead of reward points?

While some credit card reward programs do offer automatic transfers for frequent flyer programs, you'll typically need to transfer points to your KrisFlyer account manually.

How can I get KrisFlyer Gold Status without flying?

Sometimes there are promotions that allow you to get gold status without flying. The HSBC Star Alliance Credit Card used to offer a fast track to Star Alliance Gold status, but HSBC is no longer accepting new applications as it closes its Australian retail banking business. Keep an eye on the KrisFlyer website for any current status promotions.

How can I earn KrisFlyer miles with a Velocity credit card?

If you get a credit card that earns Velocity Points per $1, you can transfer the points to KrisFlyer by logging into your Velocity Frequent Flyer account. You can also transfer any other Velocity Points you earn, even if you don't have a Velocity credit card. The transfer rate is 1.55 Velocity Points to 1 KrisFlyer mile. This is more competitive than the 3:1 transfer rate offered by most rewards cards. But the value would also depend on how many points you earned per $1 before conversion, so it's important to consider the earn rate (and bonus point offers) if your main focus is on getting more KrisFlyer miles.

Can I transfer Qantas Points to Singapore Airlines?

Qantas Points can't be transferred to KrisFlyer or redeemed for flights with Singapore Airlines. But if you are a Velocity Frequent Flyer, you can transfer points to KrisFlyer miles or redeem them for flights with Singapore Airlines.

Is earning KrisFlyer miles with a credit card worth it in Australia?

Just like any rewards program, the value of KrisFlyer miles depends on how you redeem them. To work out what your miles are worth, compare the cash fare for a flight with the number of miles you'd need to book the same seat as a reward. For example, if a fare costs $1,000 in cash or 25,000 miles, each mile is worth 4 cents. In that example, every 1,000 miles redeemed would be worth $40, which is at the high end of the scale for points-to-dollar values. But if you were earning miles through an Australian credit card, you'd also need to factor in the points transfer rate and how often you fly with Singapore Airlines to decide if it's worth it for you.

KrisFlyer Credit Cards: Earn Singapore Airlines Points

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.

10 of 29 results

Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
American Express Velocity Business Card Most LovedVelocity Frequent FlyerUncapped points	Bonus points 120,000	Points per $ spent 1	N/A	Annual fee $249	Limited-time offer: Receive 120,000 bonus Velocity Points when you spend $6,000 on eligible purchases in the first 3 months. New American Express card members only. Ends 19 Jan 2027. T&Cs apply. ABN holders w/ $75,000 revenue.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Business Signature Card Finder AwardNAB Rewards	Bonus points 250,000	Points per $ spent 1.25	19.5%	Annual fee $175	Get up to 250,000 bonus NAB Rewards Points: 200,000 points when you spend $8,000 on everyday business purchases in the first 90 days and 50,000 points when you keep your account open for at least 15 months. ABN required.	Go to site View details Compare product selectionCompare	loading
American Express Velocity Platinum Card Finder AwardMost LovedVelocity Frequent FlyerUncapped points	Bonus points 50,000	Points per $ spent 1.25	23.99%	Annual fee $440	Earn 50,000 bonus Velocity Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 100 bonus Status Credits. New American Express card members only. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Velocity Black Velocity Frequent FlyerUncapped points	Bonus points 150,000	Points per $ spent 0.8	23.98%	Annual fee $295	Offers 90,000 bonus Velocity Points in year 1 when you spend $9,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Travel Card – Velocity Points NAB Rewards	Bonus points 90,000	Points per $ spent 1.5	22.49%	Annual fee $395	Get up to 90,000 bonus Velocity Points: 50,000 points when you spend $5,000 in the first 90 days and 40,000 points when you keep your card open for over 12 months. Plus, no foreign transaction fees.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Rewards Black Westpac Altitude RewardsUncapped points	Bonus points 150,000	Points per $ spent 2	23.98%	Annual fee $200 first year ($295 after)	Earn 90,000 bonus Altitude Rewards Points when you spend $9,000 in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
American Express Velocity Escape Plus Card Most LovedVelocity Frequent FlyerUncapped points	Bonus points 20,000	Points per $ spent 1	23.99%	Annual fee $95	Get 20,000 bonus Velocity Points when you spend $3,000 on eligible purchases in the first 3 months, plus a $50 Virgin Australia Statement Credit. New American Express card members only. Ends 25 May 2027. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Rewards Platinum ANZ Rewards Program	Bonus points 125,000	Points per $ spent 1.5	22.49%	Annual fee $94	Earn up to 125,000 bonus ANZ Reward Points: 85,000 points when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for over 12 months.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Velocity Platinum Velocity Frequent FlyerUncapped points	Bonus points 50,000	Points per $ spent 0.5	23.98%	Annual fee $175	Receive 30,000 bonus Velocity Points in year 1 when you spend $6,000 on eligible purchases in the first 90 days of card approval and 20,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Rewards Platinum - Velocity Points ANZ Rewards Program	Bonus points 80,000	Points per $ spent 1.5	22.49%	Annual fee $94	Earn up to 80,000 bonus Velocity Points: 60,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 20,000 points when you keep your card open for over 15 months from activation.	Go to site View details Compare product selectionCompare	loading

Showing 10 of 12 results

Australian credit cards do not directly earn KrisFlyer Miles – you convert other reward points.
Most reward programs convert 3:1 to KrisFlyer Miles, but Velocity offers a better rate.
Factor in typical higher annual fees and the 36-month mileage expiry.

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 Miles 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.

Search by program

Rewards program	Transfer rates and details	Minimum transfer
American Express Membership Rewards	3 Membership Rewards points = 1 KrisFlyer mile	7,500 Membership Rewards points
ANZ Rewards	3 ANZ Rewards points = 1 KrisFlyer mile	Check ANZ Rewards for the current minimum transfer
Bank of Melbourne Amplify Rewards	3 Amplify Rewards points = 1 KrisFlyer mile	3,000 Amplify Rewards points
BankSA Amplify Rewards	3 Amplify Rewards points = 1 KrisFlyer mile	3,000 Amplify Rewards points
CommBank Awards	Conversion rates and eligible partner programs vary – check CommBank Awards for current details	Not publicly listed – log in to your CommBank Awards account for details
NAB Rewards	3 NAB Rewards points = 1 KrisFlyer mile	3,000 NAB Rewards points
St.George Amplify Rewards	3 Amplify Rewards points = 1 KrisFlyer mile	3,000 Amplify Rewards points
Star Alliance (HSBC) – closed to new applications	HSBC is no longer accepting new applications as it closes its Australian retail banking business – existing cardholders should check with HSBC for current details	Not available to new customers
Velocity Frequent Flyer	1.55 Velocity Points = 1 KrisFlyer mile	5,000 Velocity Points
Westpac Altitude	3 Altitude Points = 1 KrisFlyer mile	3,000 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.

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."

Richard Whitten

Senior Money Editor

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

The HSBC Star Alliance Credit Card used to offer one of the highest equivalent KrisFlyer earn rates, but HSBC is no longer accepting new applications as it closes its Australian retail banking business. Of the programs in the table above, Velocity Frequent Flyer has the best published transfer rate to KrisFlyer, so a card that earns Velocity Points is worth a look. To find the highest KrisFlyer earn rate, combine each card's points earn rate per $1 with its transfer rate to KrisFlyer.
Also check whether the card caps the points you can earn, as some cards earn fewer points once you pass a spending threshold in a statement period.
Sometimes there are promotions that allow you to get gold status without flying. The HSBC Star Alliance Credit Card used to offer a fast track to Star Alliance Gold status, but HSBC is no longer accepting new applications as it closes its Australian retail banking business. Keep an eye on the KrisFlyer website for any current status promotions.
If you get a credit card that earns Velocity Points per $1, you can transfer the points to KrisFlyer by logging into your Velocity Frequent Flyer account. You can also transfer any other Velocity Points you earn, even if you don't have a Velocity credit card.
The transfer rate is 1.55 Velocity Points to 1 KrisFlyer mile. This is more competitive than the 3:1 transfer rate offered by most rewards cards. But the value would also depend on how many points you earned per $1 before conversion, so it's important to consider the earn rate (and bonus point offers) if your main focus is on getting more KrisFlyer miles.
Just like any rewards program, the value of KrisFlyer miles depends on how you redeem them. To work out what your miles are worth, compare the cash fare for a flight with the number of miles you'd need to book the same seat as a reward. For example, if a fare costs $1,000 in cash or 25,000 miles, each mile is worth 4 cents.
In that example, every 1,000 miles redeemed would be worth $40, which is at the high end of the scale for points-to-dollar values. But if you were earning miles through an Australian credit card, you'd also need to factor in the points transfer rate and how often you fly with Singapore Airlines to decide if it's worth it for you.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.

Written by

Amy Bradney-George

Journalist

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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8 Responses

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.

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

HakanJune 26, 2015

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

Finder

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

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

Finder

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

JonathanMay 5, 2013

Can you make tax payments to the ATO?

Finder

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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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.

Key takeaways

How do I earn KrisFlyer Miles with a credit card in Australia?

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

Credit card reward programs that offer KrisFlyer miles

Pros and cons of earning KrisFlyer Points

Pros

Cons