KrisFlyer Miles Credit Cards

Compare the best credit cards that earn rewards points that can be transferred to KrisFlyer Miles for flights and upgrades.

Andrew Boyd avatar
Written by   |  
David Boyd avatar
Verified by
Updated 19 Nov 2024   |   Rates updated regularly

Comparing of 14 KrisFlyer Miles credit cards

Featured
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Rewards program

Citi Rewards

Points per $1 spent

0.33 KrisFlyer Miles after transfer

1 Citi Rewards Point

Sign up bonus

33,333 KrisFlyer Miles after transfer

100,000 Citi Rewards Points

Annual fee

$99.00 for 1st year

Details

  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months days from approval. Terms and Conditions apply.
  • The initial year presents a discounted annual fee of $99 ($199 p.a. thereafter).
  • Comes with complimentary mobile phone insurance. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Earn 100,000 bonus points when you meet the criteria.
  • Discounted annual fee.
  • You can shop and use your points to receive a credit back.
  • 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
Cons
  • No ongoing introductory balance transfer or purchase offer.
ANZ Rewards Black Credit Card

On ANZ's website

ANZ Rewards Black Credit Card

3.7

Rewards program

ANZ Rewards

Points per $1 spent

0.67 KrisFlyer Miles after transfer

2 ANZ Rewards Points

Sign up bonus

60,000 KrisFlyer Miles after transfer

180,000 ANZ Rewards Points and more

Annual fee

$375.00 p.a. ongoing

Details

  • Get 180,000 bonus Reward Points and $150 cash back upon spending $3,000 on qualifying purchases within the initial 3 months of approval.
  • Accrue 2 Reward Points for every $1 spent on qualifying purchases, up to $5,000 per statement period.
  • Enjoy complimentary international travel insurance.

Pros & cons

Pros
  • Receive 180,000 bonus ANZ Rewards points and earn a $150 cash back when you meet the criteria.
  • Earn 2 points per $1 spent on eligible purchases up to $5,000 per statement period.
  • There is no cap on the number of points you can earn.
  • Free international travel insurance and purchase protection insurance.
Cons
  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No balance transfer offer.
Apply by 30 November 2024
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

Westpac Altitude Black Credit Card (Altitude)

3.7

Rewards program

Altitude Rewards

Points per $1 spent

0.41 KrisFlyer Miles after transfer

1.25 Altitude Rewards points

Sign up bonus

33,003 KrisFlyer Miles after transfer

100,000 Altitude Rewards points

Annual fee

$150.00 for 1st year

Details

  • Earn up to 150,000 bonus Altitude Points. Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Initial $150 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.

Pros & cons

Pros
  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • Additional savings with the $150 first-year annual fee ($295 p.a. thereafter).
  • Earn 1.25 points per $1 spent on eligible purchases
  • Get 2 complimentary lounge passes each year with Priority Pass.
Cons
  • The high annual fee of $295 p.a. after the initial year.
Apply by 1 November 2023
Westpac Altitude Platinum Credit Card (Altitude)

Westpac Altitude Platinum Credit Card (Altitude)

4.8

Rewards program

Altitude Rewards

Points per $1 spent

0.33 KrisFlyer Miles after transfer

1 Altitude Rewards point

Sign up bonus

33,003 KrisFlyer Miles after transfer

100,000 Altitude Rewards points

Annual fee

$99.00 for 1st year

Details

  • Receive 100,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
  • Earn 3 Altitude points per $1 on Qantas and Jetstar flights bought in Australia, eligibility criteria apply.

Pros & cons

Pros
  • 100,000 bonus Altitude Points when you spend $3,000 in 90 days.
  • Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
  • Comes with complimentary travel insurance.
  • Earn 1 Altitude point per $1 spent on eligible purchases.
Cons
  • Only up to 45 days interest-free on purchases.
  • Does not include lounge access.
HSBC Star Alliance Credit Card

On HSBC's website

HSBC Star Alliance Credit Card

4.6

Rewards program

Star Alliance Rewards

Points per $1 spent

0.80 KrisFlyer Miles after transfer

1 Star Alliance Point

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn 1 Star Alliance Point per $1 on eligible purchases (capped at $3,000), then 0.5 points per $1 thereafter.
  • Pay no annual fee in the first year ($450 p.a. thereafter).
  • Reach Star Alliance Gold Status by spending $4,000 or more on eligible purchases within the first 90 days of account opening.
  • Gold Status grants you benefits like Priority Airport Check-in, Priority Baggage Handling, Priority Boarding, Airport Lounge Access, Extra Baggage Allowance, and more.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 12 months with a 2% balance transfer fee.
  • Offers 0% interest for 6 months on flight bookings.
  • Use or convert your Star Alliance points with major frequent flyer programs from participating airlines.
  • Includes complimentary travel insurance with Rental Vehicle Excess Insurance in Australia and Transit Accident Insurance.
  • Plus Extended Warranty and Purchase Protection insurance.
  • Get a free Frequent Values™ membership, which gives you access to 4,500 promos at select stores, restaurants, hotels, and family attractions.
  • Enrol family members as additional cardholders at no extra cost.
  • Up to 55 interest-free days.
  • This card is compatible with Apple Pay and Google Pay.
  • Take control of your card with the HSBC Australia app.
Cons
  • The $3,000 monthly spend threshold can feel restrictive, even though there’s no cap on earning potential.
  • The annual fee reverts to $450 after the initial year.
  • To maintain Gold member status after the first year, you’ll need to spend at least $60,000 annually. This can be ideal for frequent travelers and high spenders.
  • A 3% foreign transaction fee applies to purchases made overseas.
ANZ Rewards Platinum Credit Card

On ANZ's website

ANZ Rewards Platinum Credit Card

4.6

Rewards program

ANZ Rewards

Points per $1 spent

0.50 KrisFlyer Miles after transfer

1.50 ANZ Reward Points

Sign up bonus

33,333 KrisFlyer Miles after transfer

100,000 ANZ Reward Points and more

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within the initial 3 months after approval.
  • Access a variety of complimentary insurances for both travel and purchases.
  • Accumulate ANZ Rewards Points on your everyday purchases.

Pros & cons

Pros
  • 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • Earn 1.5 points per $1 spent up to $2,000 per statement period.
  • No cap on the total number of points you can earn.
  • Comes with complimentary insurance covers, including international travel insurance and purchase protection insurance.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Up to 55 days interest-free on purchases.
Cons
  • There is a $65 annual fee per additional cardholder.
  • The earn rate drops to 0.5 points per $1 after $2,000 per statement period.
  • No balance transfer offer.
  • No lounge access.
NAB Rewards Signature Credit Card

On NAB's website

NAB Rewards Signature Credit Card

4.8

Rewards program

NAB Rewards

Points per $1 spent

0.41 KrisFlyer Miles after transfer

1.25 NAB Rewards Points

Sign up bonus

59,406 KrisFlyer Miles after transfer

180,000 NAB Rewards Points

Annual fee

$145.00 for 1st year

Details

  • Earn up to 180,000 bonus NAB Rewards points. (130,000 bonus points upon spending $3,000 within the initial 60 days from the account approval date and an additional 50,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.)
  • No cap on the number of points you can earn, although the earn rate reduces on spend above $15,000 in a statement period.
  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance, and more.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros & cons

Pros
  • Up to 180,000 bonus NAB Rewards Points when you meet the criteria.
  • No cap on how many points you can earn.
  • NAB Rewards have several transfer partners, giving you options for flight redemptions.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • 0% p.a. on balance transfers for 12 months.
  • International and domestic travel insurance.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.
Cons
  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
Apply by 30 November 2024
Bank of Melbourne Amplify Signature Credit Card (Amplify)

Bank of Melbourne Amplify Signature Credit Card (Amplify)

Rewards program

Amplify Rewards

Points per $1 spent

0.50 KrisFlyer Miles after transfer

1.50 Amplify Rewards points

Sign up bonus

49,505 KrisFlyer Miles after transfer

150,000 Amplify Rewards points

Annual fee

$199.00 for 1st year

Details

  • Receive up to 150,000 bonus Amplify Points when you apply by 30 November 2024, get approved, and spend $12,000 on eligible purchases within the first 12 months of card approval. Terms and Conditions apply.
  • Discounted first-year annual fee of $199.
  • Includes complimentary overseas travel insurance for up to 6 months

Pros & cons

Pros
  • The 150,000 bonus Amplify Rewards Points.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Discounted first-year annual fee of $199.
  • Includes complimentary overseas travel insurance for up to 6 months
Cons
  • There is no promotional balance transfer offer at the moment.
  • After the initial year, the annual fee reverts to $295 p.a.
Apply by 30 November 2024
BankSA Amplify Signature Credit Card (Amplify)

BankSA Amplify Signature Credit Card (Amplify)

4.6

Rewards program

Amplify Rewards

Points per $1 spent

0.50 KrisFlyer Miles after transfer

1.50 Amplify Rewards points

Sign up bonus

49,505 KrisFlyer Miles after transfer

150,000 Amplify Rewards points

Annual fee

$199.00 for 1st year

Details

  • Earn up to 150,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases within the first 12 months from card approval.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter).
  • Includes complimentary overseas travel insurance for up to 6 months

Pros & cons

Pros
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • The 150,000 bonus Amplify Rewards Points.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter).
  • Includes complimentary overseas travel insurance for up to 6 months
Cons
  • There is no promotional balance transfer offer at the moment.
  • The annual fee reverts to $295 p.a. after the initial year.
Apply by 30 November 2024
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

St.George Amplify Signature Credit Card (Amplify)

3.5

Rewards program

Amplify Rewards

Points per $1 spent

0.50 KrisFlyer Miles after transfer

1.50 Amplify Rewards points

Sign up bonus

49,505 KrisFlyer Miles after transfer

150,000 Amplify Rewards points

Annual fee

$199.00 for 1st year

Details

  • Up to 150,000 Bonus Amplify Rewards Points earned upon spending $12,000 on eligible purchases within the first 12 months from card approval.
  • Initial card fee of $199 for the first year ($295 p.a. thereafter).
  • Comes with complimentary overseas travel insurance coverage for up to 6 months.

Pros & cons

Pros
  • The 150,000 bonus Amplify Rewards Points.
  • Save $96 with the $199 card fee for the first year.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Comes with concierge services.
Cons
  • After the initial year, the annual fee is $295 p.a.
  • There is no promotional balance transfer offer at the moment.
NAB Rewards Platinum Credit Card

On NAB's website

NAB Rewards Platinum Credit Card

4.8

Rewards program

NAB Rewards

Points per $1 spent

0.33 KrisFlyer Miles after transfer

1 NAB Rewards Point

Sign up bonus

26,403 KrisFlyer Miles after transfer

80,000 NAB Rewards Points

Annual fee

$45.00 for 1st year

Details

  • Earn up to 100,000 bonus points. Get 80,000 bonus points upon spending $1,000 in the initial 60 days from account approval date and an additional 20,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from a reduced first-year annual fee of $45 p.a. instead of $195 p.a. (saving you $150).
  • Accrue 2 points on purchases made at Webjet. 1 point on all other spend.

Pros & cons

Pros
  • Earn 100,000 bonus Points when you meet the criteria.
  • The reduced first-year annual fee of $45 p.a.
  • No earning points cap.
  • Comes with complimentary insurances including international travel insurance
Cons
  • There is a 3% balance transfer fee.
Apply by 30 November 2024
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Bank of Melbourne Amplify Platinum Credit Card (Amplify)

4.6

Rewards program

Amplify Rewards

Points per $1 spent

0.33 KrisFlyer Miles after transfer

1 Amplify Rewards point

Sign up bonus

33,003 KrisFlyer Miles after transfer

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).
  • Earn 1 point for every $1 spent on eligible purchases.

Pros & cons

Pros
  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is promotional balance transfer offer at the moment.
Apply by 30 November 2024
BankSA Amplify Platinum Credit Card (Amplify)

BankSA Amplify Platinum Credit Card (Amplify)

4.6

Rewards program

Amplify Rewards

Points per $1 spent

0.33 KrisFlyer Miles after transfer

1 Amplify Rewards point

Sign up bonus

33,003 KrisFlyer Miles after transfer

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).
  • Earn 1 point for every $1 spent on eligible purchases.

Pros & cons

Pros
  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is promotional balance transfer offer at the moment.
Apply by 30 November 2024
St.George Amplify Platinum Credit Card (Amplify)

On St.George's website

St.George Amplify Platinum Credit Card (Amplify)

3.7

Rewards program

Amplify Rewards

Points per $1 spent

0.33 KrisFlyer Miles after transfer

1 Amplify Rewards point

Sign up bonus

33,003 KrisFlyer Miles after transfer

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).
  • Earn 1 point for every $1 spent on eligible purchases.

Pros & cons

Pros
  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is promotional balance transfer offer at the moment.

How does KrisFlyer Miles work?

Flying Business or First Class with Singapore Airlines is highly regarded, but they aren't as simple to earn points with due to no direct card partner in Australia. Thankfully, you can earn KrisFlyer Miles through various Australian rewards credit cards that are transfer partners.

The best KrisFlyer miles credit cards in Australia can earn up to 0.8 miles per dollar spent at major supermarkets and petrol stations. Some cards also give bonus miles like dining or travel bookings –– this can help you build up your KrisFlyer balance faster for reward flights.

Transfer partner programs for KrisFlyer Miles

Australian transfer partners are as follows:

  1. Amex Membership Rewards
  2. Amplify Rewards
  3. ANZ Rewards
  4. Citi Rewards
  5. Flybuys
  6. HSBC Rewards
  7. NAB Rewards
  8. Suncorp Rewards
  9. Velocity Frequent Flyer
  10. Westpac Altitude Rewards.

What to consider before applying for a credit card that earns KrisFlyer Miles

When comparing credit cards that earn KrisFlyer Miles, consider these key features:

  • Earn rate. Higher earn rates are preferable, but pay attention to points caps and tiers based on spending and elevated earn rates for specific spending categories such as dining or travel.
  • Conversion rate. Since there are no directly linked KrisFlyer cards in Australia, conversion rates from credit card rewards programs to KrisFlyer may vary between programs.
  • Sign-up bonus points. Look for offers with sign-up bonuses that can quickly boost your KrisFlyer Miles balance.
  • Other benefits. Consider additional perks such as travel insurance, 24/7 concierge service, or airport lounge access, but only if they are of value to you.
  • Annual fee. Keep in mind the cost of keeping the account open and whether the benefits justify the fee since there are few rewards cards that offer a no annual fee.

An expert's opinion on choosing a card to earn KrisFlyer Miles

David Boyd

Here is Credit Card Compare co-founder David Boyd's opinion on what you should consider when comparing credit cards to transfer to the KrisFlyer Miles Rewards program.

Picking the right KrisFlyer miles credit card can help you rack up points faster and enjoy extra perks.

How to maximise your KrisFlyer Miles Rewards

Boosting your KrisFlyer miles balance can lead to more travel rewards. Smart spending and taking advantage of special offers are key ways to rack up miles quickly.

  1. Optimising everyday spending. To get the most KrisFlyer miles from your credit card, focus on high-earning categories. Some cards offer extra points for dining, travel, or groceries. Check your card's rewards structure and use it for those purchases.
  2. Look for cards with good transfer rates to KrisFlyer. A higher rate means more miles per dollar spent. For example, some cards might give you 0.66 KrisFlyer miles per dollar, while others only 0.33.
  3. Sign-up bonuses. These can be a quick way to earn a large chunk of miles. For instance, some cards offer up to 100,000 bonus points, which could translate to 40,000 KrisFlyer miles

Expert opinion: What is the mistake Aussies make most when transferring points to KrisFlyer Miles

Andrew Boyd, co-founder of Credit Card Compare

Andrew Boyd, co-founder of Credit Card Compare, explains the biggest mistake Australians make when transferring points to Krisflyer Miles.

They get a credit card and transfer the points back and forth.

How to transfer and redeem KrisFlyer Miles

Many Australian credit cards let you transfer rewards to KrisFlyer miles. The transfer rates vary and the following rates were last updated on 23/10/2024:

  • American Express Membership Rewards: 3:1 ratio
  • Amplify Rewards (St.George/Bank of Melbourne/Bank SA): 3:1 ratio
  • ANZ Rewards: Variable ratio
  • Velocity Rewards: Variable ratio

Some cards offer better rates. For example, the Amex Platinum gives 400 points for 250 KrisFlyer miles. Transfer times can differ. Some take a few days, while others are quick. Check your card's terms for details.

Best value redemption options

KrisFlyer miles shine for premium cabins on Singapore Airlines. Top choices include:

  1. Business Class to Europe
  2. First Class Suites on A380 flights
  3. Round-the-world Star Alliance awards

Economy redemptions often give less value. You might get better deals paying cash for these seats. Upgrade awards can be great too. You can bump up from Economy to Business on long flights for a comfy trip and a few glasses of champagne.

Redemption process and policies

Booking with KrisFlyer miles is straightforward:

  1. Log in to your KrisFlyer account.
  2. Search for flights.
  3. Choose 'Redeem Miles' option.
  4. Pick your seats and pay any fees.

Keep in mind some key rules:

  • Book at least 2 weeks before travel for Saver awards.
  • Changes or cancellations incur fees.
  • Miles expire after 3 years.

Elite status members get perks like priority bookings and lower fees. Aim for KrisFlyer Elite Gold for the best benefits.

Help choosing a KrisFlyer credit card

Elevate your journey with ease - find the perfect KrisFlyer credit card for your travel goals.

  • FAQs

  • Pros & cons

  • Why trust us

Can I earn KrisFlyer Miles with any credit card?

No, not all credit cards offer KrisFlyer Miles. Look for cards from the KrisFlyer program or have a points conversion partnership with Singapore Airlines, such as rewards credit cards from Australia’s major banks.

How long does it take for points to transfer from a rewards program to KrisFlyer?

After transferring from a rewards program, it can take several days for points to appear in KrisFlyer. For example, ANZ Rewards suggests allowing up to 15 business days.

Are points conversion rates the same for all credit cards?

No, conversion rates vary between different rewards programs. It might require 2.0, 2.5, or even 3.0 credit card rewards points for each KrisFlyer Mile.

Which Australian credit card rewards programs partner with KrisFlyer?

Points can be transferred from many rewards programs, including Westpac Altitude Rewards, St George/Bank of Melbourne/Bank SA Amplify Rewards, ANZ Rewards, Commonwealth Bank Awards, American Express Membership Rewards, NAB Rewards, HSBC Rewards Plus, Citibank Rewards, Suncorp Rewards, and Diners Club Rewards.

Pros

Earn KrisFlyer Miles on everyday spending

This is one of the few ways to earn KrisFlyer Miles in Australia without flying with Singapore Airlines.

Bonus KrisFlyer Points

Trigger the credit card sign-up bonus offer and transfer points to KrisFlyer.

Valuable benefits

KrisFlyer Miles-earning cards often have perks like international travel insurance and airport lounge access.

Use KrisFlyer Miles with Star Alliance Partners

Access award flights with other Star Alliance airlines, as well as Virgin Australia, Virgin Atlantic, Alaska Airlines, and Vistara.

Cons

Expensive annual fees

These cards can cost hundreds of dollars annually. Assess whether the benefits justify the expense.

Earning limits

Caps and thresholds can limit high spenders from maximising their earning potential.

KrisFlyer Miles expire after three years

Even with an active account, you have a three-year limit to use your Miles. Avoid converting your Australian rewards points into KrisFlyer Miles until you can use them.

Methodology

We considered the following attributes and associated metadata when choosing which cards to include in our KrisFlyer credit card comparison table and their rank order.

  • KrisFlyer Miles earning rate: We prioritise cards that offer a higher rate of KrisFlyer miles per dollar spent, providing better value for frequent flyers.
  • Annual fee: We examine both the first-year annual fee and the ongoing fees in subsequent years, favouring cards with lower fees that help reduce overall costs.
  • Sign-up bonus: Cards offering significant sign-up bonuses in the form of KrisFlyer miles are given preference, especially when the eligibility requirements are reasonable.
  • KrisFlyer benefits: Special perks tied to the KrisFlyer program, such as priority boarding, lounge access, or extra baggage allowance, are seen as strong advantages.
  • International acceptance and foreign transaction fees: As these cards are often used for travel, we consider the card’s payment network (e.g., Visa, Mastercard, American Express) for its global acceptance, and we favour cards with lower foreign transaction fees for overseas spending.
  • Interest-free period: Cards that offer longer interest-free periods for purchases allow cardholders to manage their spending without accruing interest, making these options more appealing.
  • Purchase rates: Lower standard interest rates on purchases are favoured for their potential to reduce costs, especially for those who occasionally carry a balance.
  • Rewards flexibility: We assess how KrisFlyer miles can be redeemed, including flight availability, the flexibility of redemptions, and whether miles can be transferred or used for other travel-related perks.
  • Supplementary features: Additional conveniences like Apple Pay or Samsung Pay compatibility are considered useful for enhancing the overall cardholder experience.
  • Extra fees: We take into account any hidden fees such as late payment fees, over-limit fees, or card replacement charges, with lower fees being more attractive.

Our rankings may not reflect what matters most to you. Be sure to compare key rates, fees, and features against your own travel preferences and financial priorities before deciding.

Sources

  1. Australian consumer loyalty survey — McKinsey & Company
  2. Emirates Skywards — Emirates
  3. KrisFlyer — Singapore Airlines
  4. Qantas Frequent Flyer — Qantas
  5. Qantas Points value calculator — Credit Card Compare
  6. Velocity Frequent Flyer
  7. Velocity Points value calculator — Credit Card Compare

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business