KrisFlyer Credit Cards

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

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Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
St.George Amplify Signature
200,000
Amplify Rewards
1.5
19.74% p.a.
$279
Up to 200,000 bonus points (100k first year & 100k second year) - worth $900 in gift cards - when you spend $12,000/yr for the first 2 years.
American Express Platinum Edge Credit Card
50,000
Membership Rewards
1
20.74% p.a.
$195
Earn 50,000 bonus points when you spend $1,500 within the first 3 months. Plus, a $200 statement credit offer.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
N/A
Velocity Frequent Flyer
0.66
20.74% p.a.
$0 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. on balance transfers for 28 months (with no BT fee). Plus, $0 annual fee in the first year. Ends 31 October 2021.
American Express Platinum Card
200,000
Membership Rewards Ascent Premium
2.25
0% p.a.
$1,450
Up to 200,000 bonus points (150k when you spend $3,000 in the first 3 months and 50k in year 2). Plus, a $450 Travel Credit per year.
David Jones American Express Platinum Card
70,000
Membership Rewards
1
0% p.a. for 12 months, reverts to 20.74% p.a.
$295
Earn 70,000 bonus Membership Rewards Points when you spend $1,500 outside DJs in the first 3 months. Plus 0% p.a. on purchases for 12 months.
American Express Explorer Credit Card
240,000
Membership Rewards
2
20.74% p.a.
$395
Get 240,000 bonus Membership Rewards Points when you spend $3,000 in the first 3 months. Plus, a $400 Travel Credit each year.
Westpac Altitude Black
180,000
Westpac Altitude Rewards
1.25
20.49% p.a.
$99 annual fee for the first year ($250 p.a. thereafter)
Earn 180,000 bonus Altitude Points when you spend $6,000 within the first 120 days. Plus, save with 0% interest on balance transfers.
Westpac Altitude Platinum Card
130,000
Westpac Altitude Rewards
1
20.49% p.a.
$49 annual fee for the first year ($150 p.a. thereafter)
Get 130,000 bonus Altitude Points (worth $450 cashback) when you spend $3,000 in the first 90 days, a 0% balance transfer offer and a $49 discounted annual fee.
American Express Velocity Escape Card
10,000
Velocity Frequent Flyer
0.75
20.74% p.a.
$0
Get 10,000 bonus Velocity Points when you spend $750 in the first 3 months, 0.75 points on your everyday purchases, uncapped, and a $0 annual fee for the life of the card.
American Express Velocity Platinum Card
120,000
Velocity Frequent Flyer
1.25
20.74% p.a.
$375
120,000 bonus Velocity Points & 120 Velocity Status Credits when you spend $4,500 in the first 3 months.
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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
  • 5 HSBC Premier Rewards: 2.5 KrisFlyer Miles
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
  • Minimum transfer: 25,000 points
Velocity Frequent Flyer
  • 1 Velocity Point: 1.55 KrisFlyer Miles
  • Minimum transfer: 5,000 Velocity Points
Westpac Altitude
  • 3 Altitude Points: 1 KrisFlyer Mile
  • Minimum transfer: 3,000 points

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

Pros

  • 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.

Cons

  • 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 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.

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

      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!

        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

      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,

        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

      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,

      Thanks

      Farouk

        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.

        Cheers,

        Jonathan

      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.

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