KrisFlyer Miles Credit Cards

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

Nilooka Dissanayake avatar
Written by   |  
Vidhu Bajaj avatar
Edited by   |  
David Boyd avatar
Verified by
Updated 20 Jan 2025   |   Rates updated regularly

Comparing of 14 KrisFlyer miles credit cards

Featured
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

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 from approval. Terms and Conditions apply.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • 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
  • Get 100,000 bonus points when you meet the criteria. That's $400 when you pay with points!
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • A reduced annual fee of $99 in the first year, increasing to $199 p.a. after that, making it more affordable to start.
  • Get 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay and Samsung Pay.
Cons
  • No ongoing introductory balance transfer or purchase offer.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
ANZ Rewards Black Credit Card

On ANZ's website

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 ANZ Reward Points and $150 cashback when you spend at least $3,000 on eligible purchases within the first 3 months of approval. Terms and Conditions apply.
  • Earn 2 Reward Points for every $1 spent on eligible purchases, up to $5,000 per statement period. After that, earn 1 Reward Point per $1 spent.
  • Comes with complimentary International Travel Insurance.

Pros & cons

Pros
  • Receive 180,000 bonus ANZ Rewards points and $150 cashback when you meet the criteria.
  • The 180,000 ANZ Rewards points can be redeemed for an $800 digital gift card, $720 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • There is no cap on the number of points you can earn.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit of $15,000 gives you a higher spending capacity.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The earn rate drops from 2 points to 1 point per $1 after spending $5,000 in a statement period.
  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No introductory balance transfer offer.
Apply by 30 April 2025
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

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

$200.00 for 1st year

Details

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). 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.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 1 November 2023

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

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

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

  • Receive 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • Comes with complimentary insurance covers, including International Travel Insurance and Purchase Protection Insurance.
  • Earn ANZ Rewards Points on your everyday purchases.

Pros & cons

Pros
  • Earn 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • The 100,000 ANZ Rewards points can be redeemed for a $440 digital gift card, $400 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • 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.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • Adding a cardholder costs $65 annually.
  • The earn rate drops from 1.5 points to 0.5 points per $1 after spending $2,000 in a statement period.
  • No introductory balance transfer offer.
  • No lounge access.
NAB Rewards Signature Credit Card

On NAB's website

Rewards program

NAB Rewards

Points per $1 spent

0.41 KrisFlyer Miles after transfer

1.25 NAB Rewards Points

Sign up bonus

N/A

Annual fee

$288.00 p.a. ongoing

Details

  • Earn 3 NAB Reward Points on all purchases made online with Webjet.
  • Earn 1.5 NAB Reward Points on every $1 spend on eligible purchases.
  • No cap on the number of points you can earn, although the earn rate reduces to 0.5 points on spend above $15,000 in a statement period.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros & cons

Pros
  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance.
  • Access to select airport lounges if your flight is delayed by 60 minutes or more.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • 0% p.a. on balance transfers for 12 months.
  • 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 April 2025

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 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025

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 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

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 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
NAB Rewards Platinum Credit Card

On NAB's website

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 the account approval date and an additional 20,000 bonus points when you keep your card for over 12 months. Terms and Conditions apply.
  • Earn 2 points on Webjet purchases, 1.5 NAB Rewards Points at eligible grocery stores, and 1 point on all other spending.
  • Redeem your points for cashback gift cards and travel deals.
  • Automatically redeem points to your flybuys, Velocity, or Accor Live Limitless account every week.
  • You can also transfer your NAB Rewards Points to Singapore Airlines KrisFlyer Miles, Cathay Membership Programme, or Air New Zealand Airpoints.

Pros & cons

Pros
  • Earn up to 100,000 bonus Points when you meet the criteria.
  • There’s no cap on the points you can earn.
  • Save $150 with a reduced first-year annual fee of just $45 p.a. (down from $195 p.a.).
  • 0% p.a. on balance transfers for 12 months.
  • Provides complimentary insurance for domestic, interstate, and international travel.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • Add a cardholder at no extra cost.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Access 24/7 assistance for travel and lifestyle needs with NAB Concierge Services.
  • NAB Defence protects your account from credit card fraud.
  • Supports Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.
Cons
  • A 3.5% fee applies to international transactions, which is common to this type of credit card.
  • The high variable purchase rate of 20.99% p.a. and cash advance rate of 21.74% p.a. can make this card costly if you carry a balance.
  • There is a 3% balance transfer fee, which can be added to the balance.
Apply by 30 April 2025

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 when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025

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 when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
St.George Amplify Platinum Credit Card (Amplify)

On St.George's website

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 when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.

While there are no Australian credit cards directly linked to Singapore Airlines' KrisFlyer program, you can still accumulate KrisFlyer miles using various Australian rewards credit cards allowing point transfers to KrisFlyer. These cards enable you to convert the points earned from your everyday spending into KrisFlyer miles, bringing you closer to enjoying premium travel experiences with Singapore Airlines.

How do KrisFlyer miles work?

KrisFlyer miles are the frequent flyer currency of Singapore Airlines' KrisFlyer loyalty program. They can be earned and redeemed for flights, upgrades, and other travel-related benefits.

Earning KrisFlyer miles

In Australia, there are a number of ways to earn KrisFlyer miles. However, none of the banks offer a credit card directly linked with KrisFlyer, although points earned with several rewards programs can be transferred across to KrisFlyer.

  • Flights. Members earn miles when travelling with Singapore Airlines, Scoot, or Star Alliance partners. The number of miles earned depends on the ticket class, fare type, and distance flown.
  • Credit card spending. While there are no direct KrisFlyer-linked cards in Australia, some rewards credit cards allow you to transfer points to KrisFlyer miles. Some options may include cards from HSBC, American Express, ANZ, and Citi.
  • Non-airline partners. KrisFlyer members can earn miles through a wide range of partner services such as hotel stays, car rentals, and retail shopping.
  • Kris+ app. Members can earn miles for dining, shopping, and lifestyle spending in Australia.

Membership tiers and Elite miles

Members progress through tiers (KrisFlyer, KrisFlyer Elite Silver, Elite Gold, and PPS Club) by earning Elite miles from eligible flights. Higher tiers unlock benefits like bonus miles, lounge access, and priority services.

How many KrisFlyer miles can I earn with a credit card?

The number of KrisFlyer miles you can earn with a credit card depends on the rewards program and its transfer ratio to KrisFlyer. Many Australian rewards cards allow you to earn points per dollar spent, which can later be converted to KrisFlyer miles. These programs offer flexibility, enabling you to transfer points when it suits you and sometimes benefit from transfer bonuses.

Various factors affect the number of miles that can be earned.

  1. The card’s earn rate. The number of points earned per dollar varies by card and spending category.
  2. Transfer ratios. Most programs have a fixed conversion rate, such as 3:1 or 2:1. The higher the ratio, the fewer KrisFlyer miles you receive for your points.
  3. Promotions and bonuses. Providers occasionally offer bonus miles for transfers, increasing the value of your earned points. Some cards may also offer bonus points on sign-up that can be converted to KrisFlyer miles.

To maximise your earning potential, review your card’s terms, focus on high-spending categories, and keep an eye out for promotional offers.

Programs that transfer points to KrisFlyer miles

Here’s a list of Australian rewards programs that allow point transfers to KrisFlyer:

At the time of writing, transfer ratios typically range from 3:1 for most credit card programs to 1.55:1 for Velocity Frequent Flyer Points. Choose a card that offers strong transfer rates and aligns with your spending habits to maximise your earning potential. Additionally, watch for promotional transfer bonuses, which can significantly boost your miles balance during special periods.

How to maximise the potential of KrisFlyer miles

Maximising your KrisFlyer miles is all about smart earning and strategic spending. Although no Australian credit cards are directly linked to KrisFlyer, you can still earn miles by transferring points from various rewards programs. Credit cards like American Express Membership Rewards, Citi Rewards, and ANZ Rewards let you accumulate points that can later be converted into KrisFlyer miles.

Leverage sign-up bonuses

Sign-up bonuses are a fast way to boost your miles balance. For instance, a card offering 100,000 bonus points for meeting a minimum spend could translate to 40,000 KrisFlyer miles, getting you closer to a premium flight redemption.

Look for cards with good transfer rates

As no Australian credit cards allow you to directly earn KrisFlyer miles, it’s essential to evaluate both a card's transfer rate and its earn rate when choosing the right option. The earn rate refers to how many points you accumulate per dollar spent, while the transfer rate determines how many of those points convert into KrisFlyer miles.

For example, a card may have a strong earn rate of 2 points per dollar but a transfer rate of 3:1, meaning 3 card reward points are required to earn 1 KrisFlyer mile. In contrast, a card with a slightly lower earn rate but a more favourable transfer rate, such as 2:1, might yield more KrisFlyer miles for the same amount of spending.

Optimise everyday spending

Focus your spending on high-earning categories such as dining, travel, or groceries. Some cards offer higher points per dollar in these categories, so check your card’s rewards structure and use it strategically.

Monitor promotions

Take advantage of promotional transfer bonuses that can significantly enhance the value of your points when converting them to KrisFlyer miles.

By combining smart spending, selecting the right credit card, and being strategic about your redemptions, you can maximise the value of your KrisFlyer miles and enjoy premium travel experiences.

Redeeming your KrisFlyer miles

Redeeming KrisFlyer miles effectively is just as important as earning them. Premium cabin flights, such as Business or First Class on Singapore Airlines, are typically known to offer the best value for your miles. Compared to Economy Class tickets or non-flight rewards like merchandise, premium cabin redemptions tend to deliver a much higher return on your investment.

If you don’t have enough miles for a full redemption, consider using them to upgrade your ticket. For example, upgrading from Economy to Premium Economy or Business Class can significantly elevate your travel experience and may offer better value for your 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 CreditCardCompare.com.au, explains the biggest mistake Australians make with Krisflyer miles.

None of the banks in Australia issue cards directly linked with KrisFlyer, so many people think there are no ways to earn miles. However, many rewards programs have KrisFlyer as a transfer partner.

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

When comparing credit cards that allow you to earn KrisFlyer miles through point transfers, it’s important to evaluate the following key features to ensure you’re getting the best value:

  • Earn rate. Look for cards with a high earn rate, which determines how many points you earn per dollar spent. Some cards offer bonus points for specific spending categories like dining, groceries, or travel. Pay attention to any points caps, limits, or tiered earn rates that might restrict your earning potential as your spending increases.
  • Transfer rate. Since there are no Australian credit cards directly linked to KrisFlyer, the transfer or conversion rate from your card’s rewards program to KrisFlyer miles is critical. For example, some programs may convert at 3:1 (3 reward points = 1 KrisFlyer mile), while others may offer a better or less favourable rate. Always check this before applying.
  • Sign-up bonus points. Many rewards cards offer large sign-up bonuses when you meet a minimum spending requirement within the first few months. These bonuses can provide a significant boost to your KrisFlyer miles balance, often translating into enough miles for a short-haul or premium cabin flight.
  • Other benefits. Additional perks such as complimentary travel insurance, airport lounge access, 24/7 concierge services, and bonus points for travel-related purchases can add significant value. However, these benefits are only worthwhile if they align with your lifestyle and spending habits.
  • Annual fee. Credit cards that offer strong rewards and premium perks typically come with higher annual fees. Evaluate whether the card’s benefits, rewards, and potential for earning KrisFlyer miles outweigh the cost of keeping the card open. If you’re not a frequent traveller, a card with a lower or no annual fee might be a better fit.

By carefully comparing earn rates, conversion rates, sign-up bonuses, and overall benefits against the annual fee, you can choose a credit card that maximises your ability to earn KrisFlyer miles while aligning with your spending habits and travel goals.

Where else to earn KrisFlyer miles in Australia

Earning KrisFlyer miles in Australia extends beyond credit card spending and flight bookings. Here are several avenues to boost your miles balance.

Kris+ app

Singapore Airlines' lifestyle rewards app, Kris+, enables you to earn and redeem miles at various cafes, restaurants, and retailers across Sydney, Melbourne, and beyond. By paying through the app, you can earn between 1 to 3 miles per dollar spent, depending on the merchant. Additionally, Kris+ allows you to "double dip" by earning miles on top of your credit or debit card rewards. The app also offers exclusive deals and privileges with partnering merchants in Australia and other countries.

Hotel and car rental partnerships

Booking stays with partner hotels or renting cars through affiliated services can also earn you KrisFlyer miles. Be sure to provide your KrisFlyer membership number when booking to receive the miles. Details on specific partners and earning rates can be found on the Singapore Airlines website.

KrisShop and Pelago

Boost your KrisFlyer miles balance with everyday purchases and travel experiences through KrisShop and Pelago, Singapore Airlines' partner platforms.

  • KrisShop. Singapore Airlines' online store lets you earn KrisFlyer miles on every purchase, whether it’s electronics, luxury goods, or travel essentials. By linking your KrisFlyer account, you can maximise your earnings with additional miles.
  • Pelago. Booking activities, tours, and unique travel experiences through Pelago also allows you to earn KrisFlyer miles, turning your adventures into an opportunity to grow your balance.

These platforms offer a seamless way to accumulate miles while shopping or exploring, helping you get closer to your next redemption.

Flybuys and Velocity Frequent Flyer

You can turn your Flybuys points into KrisFlyer miles by transferring them first to Velocity Frequent Flyer Points and then to KrisFlyer.

Flybuys to Velocity

At the time of writing, you can convert 1,000 Flybuys points into 500 Velocity Points.

Velocity to KrisFlyer

At the time of writing, you can transfer Velocity Points to KrisFlyer at a rate of 1.55 Velocity Points = 1 KrisFlyer mile.

For example, 10,000 Flybuys points would convert to 5,000 Velocity Points, giving you approximately 3,225 KrisFlyer miles.

Remember that, currently, a minimum of 5,000 Velocity Points is required for transfers to KrisFlyer (though the requirements and redemption rates may change from time to time).

Promotions and bonus offers

Keep an eye out for special promotions that offer bonus KrisFlyer miles for specific activities, such as transferring points from partner programs or making purchases with certain retailers. Subscribing to Singapore Airlines' newsletters or following their official channels can help you stay informed about these opportunities.

By leveraging some of these methods, you can effectively increase your KrisFlyer miles balance, bringing you closer to your next award flight or upgrade.

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

David Boyd

Here is CreditCardCompare.com.au 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. Take a moment to research what the transfer ratio is, since that's going to be very important. We've tried to surface that on the website to make it easier to compare offers.

What Aussies say about KrisFlyer credit cards

KrisFlyer-compatible credit cards seem to be a popular choice among Redditors, particularly for those aiming to redeem miles for premium travel experiences. However, Redditors emphasise the importance of selecting the right card and using strategic transfer methods to maximise the value of their points.

One common approach is to focus on credit cards that allow direct transfers to KrisFlyer. This avoids the loss of points that can happen when converting through Velocity Frequent Flyer, unless a bonus offer is available. As one user explains:

"There are two cards that I prefer, ANZ rewards Black and St George Platinum as they often have the best bonus points deals and good earn rates.

Both are direct transfer to Krisflyer as you will lose points going to Velocity first, unless there is a good bonus mark up offered by Velocity.

As Krisflyer miles have a life of 3 years you want to be strategic about when to transfer them over. Other cards like Westpac Altitude and Citibank can direct earn Velocity. With these cards I let the Velocity points accumulate as they never expire.”

Sign-up bonuses also play a significant role in card selection. These bonuses provide a large upfront boost to KrisFlyer balances, helping users reach their travel goals faster. For instance, one user mentions:

"Been pretty happy with the Citi Prestige. The sign-up bonus will leave you with about 120k KF. Make sure you only transfer when they have bonuses!"

It is, however, worth noting that sign-up bonuses for credit cards frequently change, and it’s essential to compare your options before applying. While some cards may offer large bonus points during promotional periods, others might have reduced offers or additional requirements, such as higher spending thresholds.

Another strategy discussed is accumulating Velocity Points and transferring them to KrisFlyer only when needed. This offers flexibility in managing point expiry dates, as Velocity Points don’t expire as long as there is regular account activity. As a user suggests:

"Just get any cards with Velocity points and do a transfer when you need to book? Easier w managing the expiry date that way."

Are credit cards that earn KrisFlyer miles worth it?

KrisFlyer miles-earning credit cards can be a good choice for frequent flyers, but their value depends on your travel goals, spending habits, and ability to use their benefits effectively.

These cards may particularly appeal to those who regularly travel with Singapore Airlines or its Star Alliance partners. With options like American Express Membership Rewards or Citi Rewards, you can transfer points to KrisFlyer miles and quickly accumulate enough for premium cabin flights or upgrades. Many of these cards also offer significant sign-up bonuses, substantially boosting your miles balance.

However, it’s essential to use these cards responsibly to avoid falling into debt. Many rewards credit cards come with high interest rates, and carrying a balance can quickly negate the benefits of earning miles. Staying within your budget is crucial—focus on using the card for purchases you already plan to make, such as groceries, dining, or travel, and pay your balance in full each month to avoid interest charges. The value of KrisFlyer miles is only worthwhile if you’re not losing money to high fees or debt, so financial discipline is key to making rewards work for you.

These cards may not be ideal for everyone. High annual fees can make them less appealing, particularly if you don’t fully utilise extras like travel insurance, lounge access, or concierge services.

If you rarely fly with Singapore Airlines or don’t spend heavily in categories that earn higher points, other frequent flyer credit card options may provide better value. For casual travellers or those who prefer domestic travel, programs like Qantas Frequent Flyer or Velocity Frequent Flyer may be more suitable. Flexible rewards cards also offer the advantage of transferring points to multiple airline programs, allowing you to tailor your rewards to your changing travel needs.

Ultimately, KrisFlyer-compatible credit cards are best suited for frequent international travellers who value premium cabin experiences and can manage their spending responsibly. Before committing, carefully consider your travel preferences, spending habits, and the card’s annual fees to ensure it aligns with your financial goals and lifestyle. By staying within budget and paying off your balance in full, you can maximise the benefits of these cards without the risk of falling into debt.

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

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