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Singapore Airlines KrisFlyer Credit Cards

Compare credit cards that offer Singapore Airlines KrisFlyer Miles so you can redeem reward flights and upgrades faster.

A range of credit cards in Australia let you transfer reward points to your Singapore Airlines KrisFlyer account. This gives you a way to earn KrisFlyer Miles for your everyday spending, which could also help you redeem frequent flyer rewards faster. Use this guide to compare credit cards you can link to your KrisFlyer account and find a frequent flyer credit card that works for you.

Compare credit cards with Singapore Airlines KrisFlyer Miles

Rates last updated December 15th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Amplify Signature - Online Offer
19.49% p.a.
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy a $0 first year annual fee, 100,000 bonus Amplify Points and 2 complimentary lounge passes per year. Ends 17 December 2018.
Citi Rewards Platinum Credit Card - Online Offer
20.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
ANZ Rewards Platinum
18.79% p.a.
$95 p.a.
Receive 75,000 bonus Reward Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 1.5 points per $1 spent.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$195 p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a.
Receive 90,000 bonus NAB Rewards points, worth over $450 in gift cards or 45,000 Velocity points when you meet the spend requirement.
NAB Rewards Business Signature Card
18.50% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.

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How can I earn KrisFlyer Miles with a credit card?

There aren't any credit cards in Australia that currently 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). With this option, you usually need to earn a minimum number of credit card reward points before you can redeem them for KrisFlyer Miles.

The number of KrisFlyer Miles you'll get varies depending on the card's exchange or conversion rate, which typically favours the card's rewards program. For example, with a NAB Rewards credit card, you can transfer a minimum of 3,000 NAB Rewards points for 1,000 KrisFlyer Miles. This boils down to a conversion rate of 3:1. In comparison, the American Express Membership Rewards website lists a conversion rate of 1:1 and a minimum transfer of 5,000 points (although this rate may vary depending on your Amex card's rewards program stream).

Tip: Look for a credit card with a bonus point offer

You could give your KrisFlyer balance a huge boost if you sign up for a credit card with an introductory bonus point offer. These deals usually give you thousands of reward points for spending a set amount in the first few months, which means you could convert your points to KrisFlyer Miles almost straight away – regardless of the reward programs conversion rate.

What credit card reward programs offer KrisFlyer Miles?

Rewards programExchange rates and transfer conditions
American Express Membership Rewards
  • Gateway. 1 Membership Reward: 0.75 KrisFlyer Miles
  • Ascent. 1 Membership Reward: 1 KrisFlyer Mile
  • Minimum transfer. 5,000 points
ANZ Rewards
  • 3 ANZ Rewards points: 1 KrisFlyer Mile
  • Minimum transfer: Initial minimum transfer of 6,000 and then multiples of 3,000 thereafter
Citi Rewards
  • 3 Citi Rewards: 1 KrisFlyer Mile
HSBC Rewards
  • 2 HSBC Rewards: 1 KrisFlyer Mile
  • Minimum transfer: 5,000 points
NAB Rewards
  • 3 NAB Rewards: 1 KrisFlyer Mile
  • Minimum transfer: 3,000 points
St.George Amplify
  • 2 Amplify Rewards: 1 KrisFlyer Mile
  • Minimum transfer: 3,000 points
Suncorp Rewards
  • 2.5 Rewards Points: 1 KrisFlyer Mile
Velocity Frequent Flyer
  • 1.35 Velocity Points: 1 KrisFlyer Mile
  • Minimum transfer: 5,000 Velocity Points
Westpac Altitude
  • 3,000 Altitude Points: 1,200 KrisFlyer Miles
  • Minimum transfer: 3,000 points

What are the pros and cons of using a Singapore Airlines credit card?


  • Earn points as you spend. Getting points per $1 spent on eligible purchases such as your groceries, petrol and dining means you'll add to your KrisFlyer Miles balance even when you're not flying.
  • Flexibility with rewards. These credit cards offer a variety of ways to use points and usually have more than one frequent flyer partner. This means you can choose rewards that suit you – and even switch between frequent flyer programs.
  • 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.


  • Low conversion rates. As most credit cards won't offer a 1:1 conversion rate, you'll essentially "lose" points when you convert them to KrisFlyer Miles. This can also make it harder to calculate how many KrisFlyer Miles you're actually earning per $1 spent on the card.
  • High annual fees. Reward credit cards have higher annual fees than no-frill options, so you'll need to make sure the KrisFlyer Miles you're earning outweigh this cost.
  • Interest charges. Unless you pay off your card's balance by the due date, you'll be charged interest that could outweigh the value you get from your rewards.

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.
  • Rates and fees. Check the ongoing annual fee, keeping in mind that some cards offer a waived or reduced 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.

With many credit card reward programs offering KrisFlyer Miles, it's important to compare options based on how much you think you'll spend, the reward conversion rate and the card's costs and features. Also remember that there are other ways to earn KrisFlyer Miles that can also help you make the most of your Singapore Airlines frequent flyer account.

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Citi Clear Platinum Credit Card

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*$99 p.a. after first year

ANZ Low Rate

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Suncorp Clear Options Platinum Credit...

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*$129 p.a. after first year

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6 Responses

  1. Default Gravatar
    hakanJune 26, 2015

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

    • finder Customer Care
      SallyJune 26, 2015Staff

      Hi Hakan,

      Unfortunately, no there’s not. The Singapore Airlines Westpac Platinum Card is no longer available.

      You can view the other Singapore Airlines credit cards available here.

      I hope this has helped.



  2. 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,



    • finder Customer Care
      JonathanMay 6, 2015Staff

      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.



  3. Default Gravatar
    JonathanMay 5, 2013

    Can you make tax payments to the ATO?

    • finder Customer Care
      JacobMay 6, 2013Staff

      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.

Credit Cards Comparison

Rates last updated December 15th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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