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There are a number of rewards credit cards that let you transfer the reward points you earn to different frequent flyer programs. These cards are sometimes referred to as indirect rewards credit cards. The process for transferring frequent flyer points from a rewards credit card varies depending on the credit card provider and the frequent flyer program. This guide looks at the different credit card providers that offer this service and how it works so that you can make your credit card and frequent flyer rewards go further.
The following section provides details of the transfer process for individual credit card providers and airline loyalty programs, so that you know exactly what steps you need to take.
If you have an American Express credit card that earns Membership Rewards, you can transfer points to a wide range of frequent flyer programs using the following steps:
American Express offers Membership Rewards on a wide range of its personal and business cards. Depending on your circumstances, you could choose from any of the cards below:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Air New Zealand Airpoint |
| 200 Membership Rewards points = 1 Airpoint Dollar |
Cathay Pacific Asia Miles |
| 2 Membership Rewards points = 1 Asia Mile |
Emirates Skyward |
| 2 Membership Rewards points = 1 Skywards Mile |
Etihad Guest |
| 2 Membership Rewards points = 1 Etihad Guest Mile |
Malaysia Airlines Enrich |
| 2 Membership Rewards points = 1 Enrich Mile |
Qantas Frequent Flyer* |
| 2 Membership Rewards points = 1 Qantas Point |
Singapore Airlines KrisFlyer |
| 2 Membership Rewards points = 1 KrisFlyer Mile |
Thai Royal Orchid Plus |
| 2 Membership Rewards points = 1 Royal Orchid Plus Mile |
Virgin Australia Velocity |
| 2 Membership Rewards points = 1 Velocity Point |
Virgin Atlantic Flying Club |
| 2 Membership Rewards points = 1 Flying Club mile |
Hilton Honors |
| 2000 Membership Rewards points = 1000 Honors Points |
Marriott Bonvoy |
| 3 Membership Rewards points = 2 Marriott Points |
American Express also notes that points transferred to frequent flyer programs are not reversible and are subject to the terms and conditions of both Membership Rewards and the partner program. So you may want to double-check details before transferring points from your Membership Rewards card.
Compare American Express credit cards here
Back to topThe following credit cards that are linked to the ANZ Rewards program allow you to transfer points to frequent flyer programs:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Air New Zealand Airpoints |
| 3,000 Reward Points = 15 Airpoints Dollars |
Cathay Pacific Asia Miles |
| 3,000 Reward Points = 1,000 Asia Miles |
Singapore Airlines KrisFlyer |
| 1,500 Reward Points = 500 KrisFlyer Miles |
Virgin Australia Velocity |
| 2 Reward Points = 1 Velocity Point |
Frequent flyer program | Transfer requirements | Transfer points rates |
---|---|---|
Qantas Frequent Flyer |
| 2 Reward Points for 1 Qantas Frequent Flyer point |
Air New Zealand |
| Redeem 3,000 Reward Points for 15 Airpoints Dollars |
Asia Miles |
| Redeem an initial minimum of 3,000 Reward Points for 1000 Asia Miles, additional multiples of 1,500 Reward Points thereafter |
Velocity Frequent Flyer |
| 2 Reward Points for 1 Velocity Point. Redeem an initial minimum of 2000 Reward Points. |
Singapore Airlines KrisFlyer Miles |
| Redeem 1,500 Reward Points for 500 KrisFlyer Miles |
Citi offers points transfer options for the following credit cards:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Emirates Skywards | Minimum transfer
| Citi Rewards, Citi Premier cards: 3 points = 1 Skywards Mile Citi Prestige card: 2.5 points = 1 Skywards Mile |
Singapore Airlines KrisFlyer | Minimum transfer
| Citi Rewards, Citi Premier cards: 3 points = 1 KrisFlyer Mile Citi Prestige card: 2.5 points = 1 KrisFlyer Mile |
Eithad Guest (Citi Prestige only) | Minimum transfer Not publicly listed. Log in to see full transfer details. | 3 Citi Rewards points = 1 Velocity Point |
Citi also says it reserves the right to change these terms and conditions at any time without notice. So for the most up-to-date details, login to your Citi Rewards account and check your options there.
Compare Citi credit cards here
Back to topThe CommBank Awards program allows you to transfer Awards points to either the Qantas Frequent Flyer Program or the Velocity Frequent Flyer Program. There are different requirements for each of these options, which are outlined in the table below. To transfer points, you will need to have one of the following cards:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Qantas Frequent Flyer | You have to opt-in to Qantas Frequent Flyer Direct through your Awards account. There is a $30 annual charge for this service. Then all future CommBank Awards points earned will be automatically transferred to your Qantas Frequent Flyer account on a monthly basis. Note that any CommBank Awards points earned prior to your opt-in date cannot be transferred to your Qantas Frequent Flyer account. Exclusions, points caps and limitations apply. Refer to the CommBank Awards Terms and Conditions booklet or CommBank website for more information. | 1 Qantas Point = 2.5 Awards points |
Virgin Australia Velocity | A minimum of 3,600 Awards points must be redeemed for Velocity Points. Additional point transfers must be in increments of 1,000 Awards points.
| Awards card: 1 Velocity Point = 2.5 Awards points Platinum and Diamond cards: 1 Velocity point = 2 Awards points |
Compare Commonwealth Bank credit cards here
Back to topThe Diners Club Rewards program gives you the ability to transfer your reward points to a number of frequent flyer programs. Just log in online or call Diners Club and follow these steps:
Diners Club offers the following range of charge cards for individuals and businesses:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Air Canada Aeroplan | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Aeroplan point |
Alaska Airlines Mileage Plan | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Mileage Plan point |
American Airlines AAdvantage | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 AAdvantage point |
Cathay Pacific Asia Miles | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Asia Mile |
Delta SkyMiles | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Delta SkyMile |
EVA Air Infinity MileageLands | Subject to frequent flyer program terms and conditions | 3 Rewards points = 1 Infinity MileageLands Mile |
Emirates Skywards | Subject to frequent flyer program terms and conditions | 2.5 Rewards points = 1 Skywards Mile |
Etihad Guest | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Guest Mile |
EL AL Israel Airlines Matmid Club | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Matmid Point |
Flying Blue(Air France and KLM) | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Flying Blue Award Mile |
Flybuys | Subject to Flybuys terms and conditions | 1 Rewards point = 1 flybuy point |
Frontier Airlines Early Returns | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 EarlyReturns Mile |
Garuda Indonesia Frequent Flyer | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Garuda Frequent Flyer Mile |
Hawaiian Miles | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Hawaiian Mile |
Malaysia Airlines Enrich | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Enrich Mile |
Qatar Airways Privilege Club | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Qmile |
SAS EuroBonus | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 EuroBonus Point |
Singapore Airlines KrisFlyer | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 KrisFlyer Mile |
South African Airways Voyager | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Voyager Mile |
Southwest Airlines Rapid Rewards | Rewards must be redeemed by the primary cardholder and the frequent flyer account must be in their name.
| 2 Rewards points = 1 Rapid Rewards Point |
Thai Airways Royal Orchid Plus | Subject to frequent flyer program terms and conditions | 2 Rewards points = 1 Royal Orchid Plus Mile |
Virgin Australia Velocity | Subject to frequent flyer program terms and conditions | 1 Rewards point = 1 Velocity Point |
Compare Diners Club charge cards
Back to topIf you have an HSBC credit card enrolled in Rewards Plus, you can transfer your points to three different frequent flyer programs. Just provide your frequent flyer membership number to HSBC and login to your account to redeem your reward points for the selected frequent flyer miles. There are two HSBC credit cards that offer Rewards Plus:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Cathay Pacific Asia Miles |
| 1 HSBC Premier Reward Points = 0.5 Asia Miles |
Singapore Airlines KrisFlyer |
| 1 HSBC Premier Reward Points = 0.5 KrisFlyer Miles |
Virgin Australia Velocity |
| 1 HSBC Premier Reward Points = 0.5 Velocity Points |
Compare HSBC credit cards here
Back to topWith a St.George credit card that earns Amplify Rewards, you can transfer your points to three different frequent flyer programs. You can get Amplify Rewards with any of the following St.George credit cards:
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Malaysia Airlines Enrich | Points can only be redeemed in multiples of 500 and you must be a member of the selected frequent flyer program. 3,000 point minimum for transfers unless opting into Velocity auto-redemption. | 500 Amplify points = 250 frequent flyer points |
Singapore Airlines KrisFlyer | ||
Virgin Australia Velocity |
Compare St.George Credit cards here
Back to topSuncorp’s Points Transfer option is only available on Suncorp Platinum and Business Clear Options credit card accounts enrolled in Suncorp Bank Rewards.
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Qantas Frequent Flyer | Suncorp Platinum: You have to opt into Qantas Frequent Flyer Direct through your Suncorp credit card account. Then all future points earned will be automatically transferred to your Qantas Frequent Flyer.There is a $49 annual charge for this service. |
|
Singapore Airlines KrisFlyer |
| 2.5 Reward points = 1 KrisFlyer Mile |
Virgin Australia Velocity |
| 2 Reward Points = 1 Velocity Points |
Emirates Skywards | 3 Reward Points = 1 Skywards Mile | |
Flybuys | 1.33 Reward Points = 1 flybuy point |
Compare Suncorp credit cards here
Back to topThe Westpac Altitude Rewards program lets you convert your points to a selection of major international airline frequent flyer programs. You must have earned at least 3,000 points before you can claim any rewards. There are two personal Westpac Altitude cards and two business options to choose from:
You can compare the exchange rates from Altitude Rewards to frequent flyer points below, but please not that some of these transfer terms and conditions will change from 9 November 2018.
Frequent flyer program | Transfer requirements | Points rates |
---|---|---|
Velocity Frequent Flyer | Minimum of 3,000 Altitude Points required per transfer, with multiples of 600 points after that. Minimum of 6 Altitude Points for autoredemption. | 3 Altitude Points = 1 Velocity Point |
Asia Miles | A minimum of 3,000 Altitude Points applies per redemption. Then multiples of 600 Altitude Points apply. | 3 Altitude Points = 1 Asia Mile |
Air New Zealand Airpoints | Initial transfer minimum. There is a minimum conversion of 2,700 Altitude Rewards points. Then multiples of 540 Altitude Rewards points. Transfer time. Allow up to 3 working days for points to appear on your Airpoints account. | 180 Altitude Points = 1 Airpoint |
Singapore Airlines KrisFlyer | Minimum transfer amount. A minimum of 3,000 Altitude points are required per redemption and can only be processed in multiples of 500 Altitude points. Only whole Altitude points can be redeemed for frequent flyer points and no fraction of points can be redeemed. | 3 Altitude Points = 1 KrisFlyer Mile |
Malaysia Airlines Enrich Miles | You must redeem a minimum of 3,000 Altitude Points per transfer to Enrich points, with redemption of additional Altitude Points in multiples of 600 Reward Points. | 3 Altitude Points = 1 Enrich Mile |
Compare Westpac credit cards here
Back to topConsider the following factors before transferring your credit card reward points to a frequent flyer program to make sure it is worth it.
Whether you’re a member of several different frequent flyer programs or just want to find other ways to use your credit card rewards, by learning about point transfers you can choose exactly where your points go and how you use them.
Back to topEnjoy 100,000 bonus Velocity Points, a reduced first-year annual fee and points per $1 spent with the Citi Rewards credit card.
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The American Express Velocity Business Card earns points per $1 spent and offers complimentary travel insurance and two complimentary Virgin Australia lounge passes each year.
The American Express Business Card offers reliable service, a wide range of benefits, additional features, and competitive fees.
The Amex Qantas Business Rewards Card offers 150,000 bonus Qantas Points, no pre-set spending limit and platinum perks including complimentary insurances.
From Membership Rewards Points to savings on first and business class flights, this charge card is packed with features to help you manage business spending.
Pay 0% interest on balance transfers and get a $50 Kogan.com Credit with a new Kogan Money Black Card.
Enjoy an introductory 90,000 bonus Citi reward Points, a $100 Coles eGift card, plus a reduced first-year annual fee with this Citi Rewards Card offer.
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I would like to convert altitude points to quantas frequent flyer points
Hi Peter,
Thanks for getting in touch! The conversion of Altitude Rewards and Altitude Qantas’ terms and conditions depends on the card you are holding. Generally, if you have an Altitude Visa card, Altitude Mastercard, Altitude Platinum Mastercard, Altitude Platinum Plus Mastercard, Altitude Platinum Plus Visa card, Altitude Platinum Visa card, or Altitude Black Mastercard, you may switch all cards linked to the card account between Altitude Rewards and Altitude Qantas programs at any time and any number of times, subject to the time it takes us to process each request. Note that you must be a Qantas Frequent Flyer member to convert your Altitude rewards to Altitude Qantas. You should allow at least 10 business days for a request to switch to be processed or as advised at the time of your request.
Check your card’s terms and conditions to know if you can convert your Altitude points to Qantas frequent flyer points.
Hope this helps!
Best,
Nikki
I have a Westpac Altitude Black card with just over a million points. What airline/s could I use to purchase an around the world ticket leaving Australia to USA to UK and then home to Australia
Hi Denis,
Thank you for contacting finder.
With Westpac Altitude Black, you can redeem your Altitude points through their airline partners which are Virgin Australia, Singapore Airlines, Cathay Pacific, Malaysia Airlines and Air New Zealand. You can log-in to your Altitude Rewards Account to book your flights on any of the above airlines with the available destination of your choice.
I hope this helps.
Let us know if there is anything else that we may assist you with.
Cheers,
Ash
I have an Amplify Credit Card that attracts QFF points.
I also have remaining points still sitting in QFF that I was told would be transferred to my Credit Card . Can I merge these 2 lots of points for one flight? Or how can I have the QFF transferred to my Credit Card
Hi Bonita,
Thank you for your inquiry,
Upon checking the page that you’re on, Your qantas frequent flyer points can be added to your credit card if your card is directly linked to a frequent flyer program. You can redeem them for rewards including flights, flight upgrades and travel packages.
Take note that the frequent flyer program may vary because most of the credit card issuers change their reward program options and redemptions at any time. It is best to get an up-to-date information or contact them about your reward options before to transfer points to an airline loyalty program.
I hope this information helped.
Cheers,
Asia
how do i transfer my points to use on qantas or emirates please
Hi Michelle,
Thanks for your question.
So I can assist you further, may I know from what Rewards program are you transferring your points from? The procedure and conversion rates vary depending on your current rewards program.
Cheers,
Anndy
i have coles flybuy card and would like to transfer points to my frequent flyers card.how do i do it
Hi Gray,
Thanks for your question.
If you’d like to transfer your points to your Velocity frequent flyer account, you can do so by following these steps:
1. Go to http://www.flybuys.com.au and log in to your account.
2. Click on “My Account” and then select “Linked Accounts” from the menu.
3. Select “Velocity Frequent Flyer” from the list of partners you can link with.
4. Enter your Velocity membership number, full name and date of birth, then click “Add account” to complete the process.
Please remember that you can only transfer your flybuys points in increments of 2,000 and will receive 870 Velocity Points.
Cheers,
Sally
How do I book flights on United Airlines with points, can I transfer from Kris Flyer?
What are there other partners?
Hi Caz,
Thanks for your question.
You can earn points on United Airlines eligible flights by signing up in the United Mileage Plus Frequent Flyer Program. Unfortunately, points earned cannot be transferred to Kris Flyer program. Points earned can be redeemed for flight and upgrade with partner airlines including Star Alliance members.
Cheers,
Anndy
What to do to get my commonwealth bank gold award points, transferred to Velocity Frequent Flyer?
Hi Armindo,
Thanks for your question.
To transfer your points to Velocity Frequent Flyer, just head to the “redeem points for travel” section of the CommBank Awards website. From there, you will be able to transfer multiples of 1,000 starting from a minimum of 3,600 CommBank Awards points. You should allow up to five business days for CommBank Awards points to convert to Velocity points.
Please note that to facilitate this transfer, the CommBank Awards and Velocity membership must be in the same name. Once your points are transferred, it can no longer be cancelled or reversed.
Cheers,
Anndy
How do I transfer points earned on my Westpac card to my Qantas FF account? Is this automatic? If so, what is the cycle/frequency this transfers? If it is manual, how do I manually move these points? I want to book a flight that is short a couple of hundred points so I have been using my card for everything to gain these points, but none have been added.
Hi Shaal,
Thank you for your question.
May I know what Westpac credit card you currently hold?
If your card lets you earn Qantas points on eligible purchases, then those points are automatically added to your Qantas Frequent Flyer account. Otherwise, please contact Altitude Rewards customer service team.
To use your Qantas points for booking a flight, please visit Qantas website and log in to your FF account.
Cheers,
May
I was wondering how to link my altitude black points to the Qanats frequent flyer program instead of the altitude program.
Hi Jenny,
Thanks for your inquiry.
If you wish to opt into Altitude Qantas from Altitude Rewards, you would need to contact Westpac’s Card Customer Service Centre and request the switch of points. I’ve sent to your email their contact details for your convenience.
Please also note that you may switch between Altitude Qantas and Altitude Rewards programs at any time and any number of times. You should allow at least 10 business days for your request to switch to be processed or as advised at the time of your request.
Hope this helps.
Cheers,
May
Our velocity frequent flyer has a family membership where points go into one account,can my altitude points be transferred into my husbands velocity account.
Hi Tina,
Thanks for your question.
You should be able to transfer Altitude Points to your husband’s Velocity account if you’re all linked under the one account. You can transfer the points via the Westpac website. You’ll just need to link the Velocity account to the Altitude rewards account.
I hope this has helped.
Cheers,
Sally