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.
- The card’s earn rate. The number of points earned per dollar varies by card and spending category.
- 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.
- 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:
- American Express Membership Rewards
- Amplify Rewards (offered by St.George, Bank of Melbourne, and BankSA)
- ANZ Rewards
- Citi Rewards
- Flybuys (convert Flybuys points to Velocity Points, then to KrisFlyer)
- HSBC Rewards
- NAB Rewards
- Suncorp Rewards
- Velocity Frequent Flyer (transfer Velocity Points directly to KrisFlyer)
- Westpac Altitude Rewards
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, 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
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. 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.
