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
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 program||Exchange rates and transfer conditions|
|American Express Membership Rewards|
|Velocity Frequent Flyer|
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.Back to top