KrisFlyer Credit Cards

Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
St.George Amplify Signature Amplify Rewards	Bonus points 150,000	Points per $ spent 1.5	Purchase rate p.a. 19.49%	Annual fee $199 first year ($295 after)	Go to site More Info Compare	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.
American Express Platinum Edge Credit Card Membership Rewards	Bonus points N/A	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $0 first year ($195 after)	Go to site More Info Compare	Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.
ANZ Rewards Platinum ANZ Rewards Program	Bonus points 100,000	Points per $ spent 1.5	Purchase rate p.a. 20.99%	Annual fee $149	More Info Compare	Get 100,000 bonus ANZ Reward Points (worth $450 in eGift cards) and $50 back when you spend $2,000 on eligible purchases in the first 3 months.
American Express Platinum Card Membership Rewards Ascent Premium	Bonus points 150,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,450	Go to site More Info Compare	Earn 150,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.
American Express Platinum Business Card Finder Award Membership Rewards Ascent Premium	Bonus points 350,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,750	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 350,000 bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months.
ANZ Rewards Black Credit Card Finder Award ANZ Rewards Program	Bonus points 180,000	Points per $ spent 2	Purchase rate p.a. 20.99%	Annual fee $375	Go to site More Info Compare	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.
American Express Explorer Credit Card Membership Rewards	Bonus points 50,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $395	Go to site More Info Compare	Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
American Express Velocity Escape Card Velocity Frequent Flyer	Bonus points N/A	Points per $ spent 0.75	Purchase rate p.a. 23.99%	Annual fee $0	Go to site More Info Compare	Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
American Express Velocity Platinum Card Velocity Frequent Flyer	Bonus points 100,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $375	Go to site More Info Compare	Get 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
Citi Premier Card - Cashback Offer Citi Rewards Program	Bonus points N/A	Points per $ spent 1	Purchase rate p.a. 21.49%	Annual fee $300	More Info Compare	Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 3 months.

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

You can earn KrisFlyer miles by transferring credit card reward points to your frequent flyer account. A range of credit card reward programs have partnerships with the Singapore Airlines loyalty program, including American Express Membership Rewards, ANZ Rewards, NAB Rewards and Westpac Altitude Rewards.

Usually, you just need to earn a minimum number of credit card reward points before you can redeem them for KrisFlyer miles. You can also choose a card which earns Velocity Points, and then transfer those Velocity Points to KrisFlyer.

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

The KrisFlyer miles you'll get from a points transfer depends on how many points you earn from spending with the card and the point transfer rate.

For example, if a credit card offered 150,000 bonus rewards points and a transfer rate of 3 reward points to 1 KrisFlyer mile, you could get 50,000 KrisFlyer miles. And if the same card earned 1.5 reward point per $1, it would give you an equivalent earn rate of 0.5 KrisFlyer miles per $1 (assuming you transferred all the points).

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 publicly available but remember, you'll get accurate details for your card when you log in to redeem points.

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	1,500 ANZ Reward Points
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
Citi Rewards	3 Citi Rewards = 1 KrisFlyer mile	Not publicly listed – log in to your Citi Rewards account for details
CommBank Awards	3 CommBank Awards Points = 1 KrisFlyer mile	Not publicly listed – log in to your CommBank Awards account for details
HSBC Rewards Plus (Premier card only)	2 HSBC Rewards points = 1 KrisFlyer mile	5,000 HSBC Rewards points
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
Suncorp Rewards	2.5 points = 1 KrisFlyer mile	Not publicly listed – log in to your Suncorp Rewards account for details
Star Alliance (HSBC)	1 Star Alliance Point = 0.8 KrisFlyer miles	1,000 Star Alliance Points
Velocity Frequent Flyer	1.55 Velocity Points = 1 KrisFlyer miles	5,000 Velocity Points
Westpac Altitude	3 Altitude Points = 1 KrisFlyer mile	3,000 Altitude Points

Pros and cons

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.
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

Point transfer rates. Most credit cards offer a 3:1 conversion rate, which could mean you lose value from the transfer. It also makes it harder to calculate how many KrisFlyer miles you're actually earning per $1 spent on the card.
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. To make sure you don't waste them, only transfer them when you're ready to redeem them for a flight or other reward.

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 and the American Express Velocity Platinum Card both offer an equivalent earn rate of around 0.8 KrisFlyer miles per $1 on eligible spending. This is based on their earn rates for everyday purchases and their point transfer rates to KrisFlyer.
But the HSBC Star Alliance Credit Card only offers this earn rate for the first $3,000 in a statement period. After that, it earns an equivalent to 0.4 KrisFlyer miles per $1 for the rest of the statement period.
Sometimes there are promotions that allow you to get gold status without flying. One example of this is with the HSBC Star Alliance Credit Card, which offers gold status when you spend $4,000 in the first 90 days from account opening. You can also keep gold status by spending at least $60,000 on the card each year. As this is a Star Alliance card, you need to nominate Singapore Airlines KrisFlyer as the partnered program to get KrisFlyer Gold Status.
In the past, there have also been promotions allowing you to convert KrisFlyer miles into Elite miles to help you reach gold status. But apart from promotions, gold frequent flyer status is earned based on how often you fly and you'd need to earn 50,000 Elite Miles in 12 months to reach gold status.
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 that 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. But to give you an idea, a one-way Business Saver Awards ticket from Sydney to Singapore was worth 68,500 miles. In comparison, the lowest one-way business class fare we could find when we checked the Singapore Airlines website on 5 October 2023 was $2,943.
So in this example, every KrisFlyer mile is worth around 4 cents. And every 1,000 miles redeemed is worth $42, 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.

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Amy Bradney-George

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.

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More guides on Finder

How to transfer credit card reward points to Velocity
From transfer rates to bonus point offers, find out how converting credit card rewards to Velocity Points works so you can boost your frequent flyer balance.
Qantas Status Credits – How to get them
Find out if there are any credit card offers that let you earn Qantas Frequent Flyer Status for your eligible spending and learn more about how to reach Silver, Gold or Platinum Qantas status.
Frequent flyer credits cards with no annual fee
How to pay less for your card while still earning points.
The best ways to spend 100,000 Velocity Points
From flights and hotel stays to travel packages, gift cards and merchandise, here’s how to make the most of 100,000 Velocity Points based on your lifestyle and goals.
How many points do you need to upgrade to business class with Qantas and Velocity?
Discover how many Qantas or Velocity points you need to book or upgrade to a business class flight ticket.
Air Miles Credit Cards
Reward your spending with an air miles credit card and redeem points for your next flight.

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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.

Singapore Airlines frequent flyers can get more KrisFlyer miles in Australia by transferring credit card reward points. Compare cards from Amex, ANZ, St.George and more.

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