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

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
St.George Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
American Express Platinum Edge Credit Card
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus up to 3 Membership Rewards Points / $1.

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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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8 Responses

  1. 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! 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. For more information, you can compare credit cards on this page. You will find a table that compares the features and benefits of each credit card. This way it will be easier for you to see which provider fits you best. When you are ready, click the GO TO SITE to be brought to the official website of the card or click MORE INFO to read further about the credit card via our pages. As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps!


  2. Default Gravatar
    hakanJune 26, 2015

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

    • Avatarfinder 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.



  3. 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,



    • Avatarfinder 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.



  4. Default Gravatar
    JonathanMay 5, 2013

    Can you make tax payments to the ATO?

    • Avatarfinder 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

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
ANZ Low Rate
12.49% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Discovery Card
20.74% p.a.
$0 p.a.
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.

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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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