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Singapore Airlines Credit Cards

Use KrisFlyer miles by Singapore Airlines for award flights to your favourite destination or flight upgrades to travel in style

KrisFlyer is the reward program of Singapore Airlines. Currently there are two options to earn KrisFlyer miles through credit cards in Australia. New applicants can go for American Express Platinum Edge credit card or American Express Platinum card, which earn reward points on day-to-day expenses. These points can then be transferred to KrisFlyer points (among other rewards) and redeemed for a variety of rewards! Discover how you can earn and redeem your miles here.

Singapore Airlines KrisFlyer Points Earning Credit Card Comparison

You may notice ANZ cards in the table below. Whilst you can't earn Krisflyer points directly, you can transfer ANZ Rewards into Velocity Points and then into Krisflyer miles. Citi cards also allow you to transfer to Krisflyer.

Rates last updated June 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Amplify Points when you spend $4,000 within 90 days and receive two complimentary airport lounge passes per year.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 26 months with 2.5% 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 26 month balance transfer offer, plus complimentary international travel insurance.
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
ANZ Rewards Platinum
18.79% p.a.
$95 p.a.
Receive 65,000 bonus Reward Points and $50 back onto your card after your first eligible purchase in 3 months, plus up to 1.5 points per $1 spent.
American Express Platinum Card
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,100 VIP lounges worldwide.
Citi Prestige Card
20.99% p.a.
0% p.a. for 6 months
$700 p.a.
Reward yourself luxuriously with 150,000 bonus Points, free hotel stays, exclusive events and unlimited airport lounge access with Priority Pass.

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Krisflyer Credit Cards Snapshot

Below are some of the credit cards that let you indirectly earn Krisflyer points.

How can I earn KrisFlyer miles?

If you join the KrisFlyer frequent flyer, there are many ways you can rack up points. The most obvious is by travelling with Singapore Airlines. At the time of writing, there is no Singapore Airlines co-branded credit cards in Australia that allow new applicants to earn KrisFlyer miles.

However, if you have the American Express Platinum Edge card or American Express Platinum card, you can earn Membership Rewards on everyday purchases that can then be transferred to KrisFlyer miles. Here’s how can rack up KrisFlyer points with your AMEX card:

  • American Express Platinum Edge: This card earns 3 points per dollar spent at major supermarkets, 2 points at major petrol stations, 1 point for all other purchases and 0.5 points on bill payments for utilities or insurance. These points are uncapped and never expire.
  • American Express Platinum: Cardholders can earn 3 points at restaurants in Australia, 2 points for expenses on Airlines, accommodation, major cruises and for overseas purchases. All other expenses earn 1 point other than bill payment for utilities, insurance, telecommunication, ATO, etc. which earn 0.5 points. These points are capped at after which cardholders earn at a rate of 1 point for every dollar spent, except the expenses which earn 0.5 points like bill payment. These points never expire.

Can I earn bonus points?

  • Signup bonus points. New applicants for American Express Platinum card receive 80,000 bonus points when they apply, are approved and spend $3,000 on the card within 3 months.
  • Supplementary cards. Additional cardholders can also earn points on everyday purchases that will accrue to your account, which can then be transferred to bonus KrisFlyer points for you and your family.

A conversion request needs to be given to convert the points to KrisFlyer Miles. It takes approximately six to eight weeks for these points to be credited to KrisFlyer account.

What can I redeem my points for?

Some of your rewards possibilities include:

  • Flight awards. You can use your miles for award flights to your favourite destinations covered by Singapore Airlines, SilkAir and 32 partner airlines worldwide.
  • Flight upgrades. Travel in luxury courtesy of flight upgrades paid with points. The miles can be used to upgrade the flights on Singapore Airlines, SilkAir and most airlines in the Star Alliance.
  • Mix miles and cash. Don’t let a lack of points or cash ruin your plans. KrisFlyer lets you use a combination of the two to pay for your next airfare with Singapore Airlines or SilkAir on the Singapore Airline website.
  • Online savings. When the points are redeemed online they offer greater savings. The miles can be used on the Singapore Air website to get award tickets on Singapore Airlines and SilkAir destinations. Online purchasing provides a saving of 15% when compared to offline options.
  • Redemption nominees. Up to five family or friends can be nominated for which KrisFlyer miles are redeemed.
  • Convert to velocity points. KrisFlyer miles can also be transferred to Velocity Points. For every 1.35 KrisFlyer miles, members will receive 1 Velocity Point which is credited directly into the Velocity Frequent Flyer Account. A minimum of 5,000 KrisFlyer miles is required for conversion.
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How can I become a KrisFlyer member?

You need to be a member of the KrisFlyer program to transfer your credit card points to the program. According to the terms and conditions of American Express cards, members have to opt into the program themselves. Cardholders can directly enrol in the membership of KrisFlyer Miles program.

Following points must be noted before applying:

  • No fees. Currently the membership enrolment fee is waived.
  • Eligibility. This programme is open for any person above the age of two except where it is prohibited by law.
  • Only individuals. Only individual persons are eligible for this programme. One person can have only one account. Corporations and other legal entities cannot enrol as members.
  • Expiry of account. The membership is valid for 36 months from the end of the month in which the last activity was registered. After this period the membership will expire. For newly opened accounts, if there is no activity in the first 18 months they will expire.
  • Cancellation of membership. Members can cancel this membership by contacting the KrisFlyer customer service team.
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What are the pros and cons of using a Singapore Airlines credit card?


  • Earn points as you spend. If you use an American Express card, you can earn Membership Rewards (which can then be transferred to KrisFlyer Miles) on everyday purchases. If you’re a regular spender, this can be a good way receive rewards for your spending.
  • Flexibility. Singapore Airlines is one of the top three airlines occupying 8.7% of the Australian market, after Qantas (15.9%) and Emirates (9.7%). This means greater flexibility when it comes to choosing your flights. As Singapore Airlines is a member of the Star Alliance, you also have the benefit of earning and redeeming points with their many partners.
  • Flight upgrades. These miles can be used for flight upgrades which allow the users to travel in greater comfort.
  • Silver and Gold membership. If you build up your points, you could move up the tiers to Silver and Gold membership. These elite tiers offer exclusive perks including higher earn rates, priority boarding and reservations and more.


  • Limited availability to Australian cardholders. Currently there are no Singapore Airlines co-branded credit cards available to new Australian applicants. As the Westpac Platinum card partnership with Singapore Airlines is no longer available, cardholder’s only option is using the AMEX Membership Rewards program to convert your points to KrisFlyer Miles.
  • Conversion rate. Usually the conversion rate that you’d earn with a direct-earn rewards credit card offers better value for your money than when converting your card rewards points to frequent flyer points.

Using a frequent flyer credit card can be a valuable way to rack up rewards points for everyday expenses. However, considering the limited availability of KrisFlyer direct-earn credit cards, you may need to compare your options before making a decision.

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Frequently Asked Questions

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Credit Card Offers

Important Information*
Westpac Low Rate Card
Westpac Low Rate Card

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HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate


Annual fee

St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate


Annual fee


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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 June 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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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