Best Singapore Airlines KrisFlyer credit card sign-up offers

Send your Singapore Airlines miles soaring with these top credit card deals, beginning at a hefty 100,000 KrisFlyer miles.

By Chris Chamberlin, October 8 2020
Best Singapore Airlines KrisFlyer credit card sign-up offers
Disclaimer

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

Of the many international frequent flyer programs available to Australian travellers, Singapore Airlines' KrisFlyer scheme is one of the most popular, particularly when it comes to credit card spend.

Not only can KrisFlyer miles be transformed into business class and first class flights with Singapore Airlines, they can also be used to travel across the Star Alliance network, encompassing Air Canada, Air New Zealand, ANA, Lufthansa, Thai Airways, Turkish Airlines and more.

With as many as 100,000 bonus KrisFlyer miles to be earned from a single card application, here are this month's top KrisFlyer credit card offers from American Express, ANZ, Bank of Melbourne, BankSA, Citibank, NAB, St.George and Westpac.

10 best Singapore Airlines KrisFlyer credit card sign-up offers

1. St.George Amplify Signature Visa with Amplify Points

Sign-up Bonus: Apply online for the Amplify Signature with Amplify Points card by February 9 2021 and spend $12,000 on eligible purchases each year for the first two years, to unlock up to 200,000 bonus Amplify Points: awarded as 130,000 points in year one, and 70,000 points in year two.

With Amplify Points converting to KrisFlyer at a 2:1 rate, that's a reward of up to 100,000 bonus KrisFlyer miles.

Rewards: Earn the equivalent of 0.75 KrisFlyer miles per $1 spent, uncapped – boosted to 0.825 KrisFlyer miles per dollar spent via St.George's 'birthday bonus', being a 10% bonus counted on all the points earned via the card over the past year (or part-year, for new customers), except on the already generous sign-up bonus.

Annual Fee: Pay a reduced annual fee of $139 in the first year, reverting to $279 thereafter. No additional cardholder fee.

This same bonus points and reduced annual fee offer are also available on the near-identical Bank of Melbourne Amplify Signature with Amplify Points and the BankSA Amplify Signature Visa with Amplify Points credit cards when applying online.

2. Westpac Altitude Black Mastercard

Sign-up Bonus: Eligible new customers can earn 150,000 bonus Altitude Points via Westpac's Altitude Black Mastercard when applying by November 11 2020, selecting Altitude Rewards as the card's loyalty option and spending $4,000 on eligible purchases within 90 days of card approval.

With Altitude Points converting into KrisFlyer miles at a 3:1 rate, that gives you a bounty worth 50,000 bonus KrisFlyer miles.

Rewards: Earn 6 Altitude Points (2 KrisFlyer miles) per $1 spent on the first $10,000 per calendar month on flights purchased in Australia directly with Singapore Airlines, Virgin Australia, Emirates, Qantas and Jetstar, then 1.25 Altitude Points (0.416 KrisFlyer miles) per $1 spent thereafter on these purchases.

You'll also earn 1.25 Altitude Points (0.416 KrisFlyer miles) per $1 spent on most other eligible purchases, uncapped, except at Spotify, David Jones, Myer, The Iconic, Airbnb, Uber and Uber Eats, at which you'll earn a higher 2 Altitude Points (0.66 KrisFlyer miles) per $1 spent, also uncapped.

Annual Fee: A $250 annual card fee applies, although there's no extra charge for an additional cardholder. You can apply here.

3. ANZ Rewards Black

Sign-up Bonus: Receive 150,000 bonus ANZ Reward Points with your new ANZ Rewards Black card, when you apply and spend $4,000 on eligible purchases in the first three months from approval. Converted to KrisFlyer at a 3:1 rate, that's 50,000 bonus KrisFlyer miles.

Rewards: Earn 2 ANZ Reward Points (0.66 KrisFlyer miles) per $1 spent on eligible purchases up to and including $5,000 per statement period, and 1 ANZ Reward Point (0.33 KrisFlyer miles) per $1 spent above $5,000 per statement period.

Annual Fee: $375, plus $65 fee per additional cardholder per year.

4. AMEX Platinum Charge Card

Sign-up Bonus: Take home 80,000 bonus Membership Rewards Ascent Premium points as an eligible new customer – worth 40,000 KrisFlyer miles after a 2:1 conversion – when applying for the AMEX Platinum Charge Card and spending at least $3,000 on purchases in the first three months.

Rewards: Most purchases accrue 2.25 Membership Rewards points per dollar spent (1.125 KrisFlyer miles, after conversion), except for government payments which earn at the reduced rate of one Membership Rewards point per dollar spent (0.5 KrisFlyer miles).

Annual Fee: $1,450, although the points you can earn are uncapped, and there's no extra fee to add up to four additional cardholders.

5. NAB Rewards Signature Card

Sign-up Bonus: Receive 90,000 bonus NAB Rewards points when you apply and spend $3,000 on everyday purchases within the first 60 days of opening your account, plus 30,000 bonus NAB Rewards points when you keep your card for over 12 months, for a bonus of up to 120,000 NAB Rewards points.

With NAB Rewards points converting to KrisFlyer at a 3:1 rate, that's up to 40,000 bonus KrisFlyer miles.

Rewards: Earn 3.75 NAB Rewards points (1.25 KrisFlyer miles) per $1 spent on overseas purchases and with Webjet in Australia; 2.5 NAB Rewards points (0.83 KrisFlyer miles) per dollar spent at major department and hardware stores, and 1.25 NAB Rewards point (0.416 KrisFlyer miles) per $1 spent on all other purchases.

Annual Fee: $295, with no additional cardholder fee.

6. Citi Prestige Mastercard

Sign-up Bonus: Apply by November 30 2020, spend $7,500 within 60 days of approval on the Citi Prestige Mastercard and you could unlock 100,000 bonus points in the Citibank Rewards Program, equal to 40,000 KrisFlyer miles when converted at a 2.5:1 rate.

Note, this card optionally comes with a Linked Diners Club Card: however, only spends made using the Mastercard count towards the $7,500 threshold for bonus points.

Rewards: On eligible purchases made using the Mastercard, 3 Citi Points (1.2 KrisFlyer miles) can be earned per $1 spent overseas, and in Australia with major airlines, hotel chains and restaurants. At major Australian supermarkets, petrol outlets and national retailers, earn 2 Citi Points (0.8 KrisFlyer miles) per dollar spent, and on all other eligible transactions in Australia, earn 1 Citi Point (0.4 KrisFlyer miles) per dollar spent.

The optional Linked Diners Club Card instead provides a flat 2 Citi Points (0.8 KrisFlyer miles) per dollar spent on eligible purchases at home and abroad, although neither card provides points on government and government-related charges.

Annual Fee: $700, with or without the Linked Diners Club Card attached. There's no extra fee for additional cardholders, either.

7. Citi Premier Mastercard

Sign-up Bonus: New customers who apply by November 30 2020 and spend $5,000 in the first 60 days from approval on the Citi Premier Mastercard can receive 70,000 bonus points in the Citibank Rewards Program, equal to 28,000 KrisFlyer miles when converted at a 2.5:1 rate.

As with the Citi Prestige Mastercard, this card account optionally includes a Linked Diners Club Card – but again, only spends made on the Mastercard card count towards the $5,000 minimum spend requirement to unlock those bonus points.

Rewards: On eligible Mastercard spends, earn 2 Citi Points (0.8 KrisFlyer miles) per $1 charged overseas, and in Australia at major airlines, hotel chains and restaurants. Spend at at major Australian supermarkets, petrol outlets and national retailers delivers 1.5 Citi Points (0.6 KrisFlyer miles) per dollar, and on all other eligible transactions within Australia, earn 1 Citi Point (0.4 KrisFlyer miles) per dollar spent.

The optional Linked Diners Club Card generates a flat 2 Citi Points (0.8 KrisFlyer miles) per dollar spent on eligible purchases at home and abroad. As with Citi's other cards, points aren't earned on government and government-related transactions.

Annual Fee: $395, whether or not the Linked Diners Club Card is requested, with no extra charge for additional cardholders.

8. Westpac Altitude Platinum Mastercard

Sign-up Bonus: Apply by November 11 2020, select Altitude Rewards as your loyalty option and spend $3,000 on eligible purchases within 90 days of card approval to earn 80,000 bonus Altitude Points.

With Altitude Points converting to KrisFlyer at a 3:1 rate, that bonus is worth approximately 26,666 KrisFlyer miles.

Rewards: Earn 3 Altitude Points (1 KrisFlyer mile) per $1 spent on the first $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar and Virgin Australia (but not Emirates and Singapore Airlines, as with Altitude Black), then 1 Altitude Point (0.33 KrisFlyer miles) per $1 spent thereafter on these purchases.

You'll also earn 1 Altitude Point (0.33 KrisFlyer miles) per $1 spent on most other eligible purchases, uncapped, except at Spotify, Airbnb, Uber and Uber Eats, at which you'll earn a higher 2 Altitude Points (0.66 KrisFlyer miles) per $1 spent, also uncapped.

Annual Fee: Discounted to $99 for the first year, then $150 thereafter, with no charge for one additional cardholder. You can apply here.

9. AMEX Explorer Credit Card

Sign-up Bonus: Pocket 50,000 bonus AMEX Membership Rewards points with your new AMEX Explorer credit card, when you apply and spend $3,000 on your card within the first three months. When converted to KrisFlyer at a 2:1 rate, that puts your bonus at 25,000 KrisFlyer miles.

Rewards: Collect 2 Membership Rewards points (1 KrisFlyer mile) per $1 spent on most eligible purchases, except at government bodies in Australia, where you'll earn a reduced 1 Membership Rewards point (0.5 KrisFlyer miles) per dollar spent.

Annual Fee: $395, but with no fees for up to four additional cardholders.

10. ANZ Rewards Platinum

Sign-up Bonus: Pocket 60,000 bonus ANZ Reward Points with your new ANZ Rewards Platinum card, when you apply and spend $2,500 on eligible purchases in the first three months from approval. Following the same 3:1 conversion rate to KrisFlyer as ANZ Rewards Black, that's worth 20,000 KrisFlyer miles.

Rewards: Collect 1.5 ANZ Reward Points (0.5 KrisFlyer miles) per $1 spent on eligible purchases up to and including $2,000 per statement period, and 0.5 ANZ Reward Points (0.16 KrisFlyer miles) per $1 spent above $2,000 per statement period.

Annual Fee: Waived first year when you spend $2,500 within three months of approval, then $95 thereafter. There's also a $65/year fee charged per additional cardholder.

Ranking Order & Updates

Ranking Criteria

This page provides a list of the most rewarding credit card sign-up offers in Australia for those seeking to earn KrisFlyer miles with Singapore Airlines, as available at the time of publishing.

Generally, cardholders would first earn loyalty points (including bonus points) in the credit card issuer's own loyalty program, which can later be converted into KrisFlyer miles at a rate set by that program (such as 2 AMEX Membership Rewards points = 1 KrisFlyer mile).

This list includes personal credit cards and general, public sign-up offers, but does not include corporate or business credit cards, or deals that are targeted, restricted or private, with the exception of any offers targeted to Executive Traveller readers, which may give applicants more points, or have reduced fees and charges, compared with a bank's standard public offering.

Credit cards listed above as part of this 'top 10' appear in descending order based on the total number of KrisFlyer miles offered via the card's sign-up bonus, based on the value of the credit card points being tabled, and their worth in KrisFlyer miles after conversion.

Where more than one card offers the same number of bonus points, other factors such as annual fees, minimum spend requirements, points earning rates for ongoing purchases and sign-up incentives such as statement credits are considered in determining rank.

Ranking Updates

As of October, offers on the St.George, Bank of Melbourne and BankSA Amplify credit cards have been extended until February 2021 – and through Amplify Rewards, cardholders can convert their credit card points into KrisFlyer miles.

Previous changes include the return of Citibank among these rankings, after the bank had previously been advertising expired credit card offers on its website, which saw it excluded from the July 2020 update of this piece, before returning in August.

At that time, the sign-up offer on the Westpac Altitude Black Mastercard was also extended from August until November, maintaining the card's appearance in these rankings.

In August, the ANZ Rewards Classic card had also been bumped from these rankings with Citibank's return, although this ANZ card continues to offer 50,000 bonus ANZ Rewards Points, worth 16,666 KrisFlyer miles after a 3:1 conversion – placing it out of the 'top 10' here.

What are Singapore Airlines KrisFlyer credit cards and how do they work?

While Singapore Airlines no longer has any 'co-brand' credit cards in Australia, the airline maintains partnerships with a number of Australian banks and credit card issuers, which allow customers of those companies to earn KrisFlyer miles via the credit card or charge card.

This usually requires the cardholder to first earn points in their credit card or charge card's own loyalty program (such as ANZ Rewards, NAB Rewards, Westpac Altitude Rewards, AMEX Membership Rewards, and others), and to later convert those points into KrisFlyer miles.

Each rewards program sets its own conversion rates, so do be mindful that the conversion rate used by one bank can differ from another.

For instance, a bank offering 120,000 bonus points in its own rewards program with a 3:1 conversion rate to KrisFlyer is offering a bonus equal to 40,000 KrisFlyer miles.

That can sometimes lead to confusion, because a bank offering 100,000 bonus points in its own program but which instead uses a 2:1 conversion rate would instead be offering 50,000 KrisFlyer miles: a more generous offer for KrisFlyer members, despite the 'headline' number being lower.

Singapore Airlines KrisFlyer credit card FAQs

Can you combine frequent flyer miles and points?

In Singapore Airlines' KrisFlyer program, members cannot transfer miles between KrisFlyer accounts. However, under normal circumstances, points can be converted between Velocity and KrisFlyer at a 1.55:1 rate, which applies in both directions.

This could allow you to combine all the frequent flyer points you've earned across both programs into the one account, to make a reward booking. However, at the time of publishing, these transfers are currently paused.

Can I earn miles or points if I buy a ticket for someone else?

Yes, but only when paying using an eligible credit card. Purchasing a flight is just like any other transaction, where a credit card may provide a certain number of points per dollar spent.

These are separate to any miles or frequent flyer points the traveller may earn from the flight itself, depending on the airline, fare type and frequent flyer program.

Can I use KrisFlyer miles to buy a ticket for someone else?

Yes. KrisFlyer allows you to choose up to five 'redemption nominees' – these being people for which you can book flights using your KrisFlyer miles.

While there are no fees to set-up these nominees, if you wish to change them at a later date (so that you book flights for somebody not on that list), fees may apply.

10 best Singapore Airlines KrisFlyer credit card sign-up offers

Credit card

Bonus KrisFlyer miles

KrisFlyer miles per $1 spent *

Annual fee

Other benefits

St.George Amplify Signature with Amplify Points

Up to 100,000

0.825 (incl. B'day Bonus)

$139 (yr 1)
$279 (yr 2-)

Priority Pass account with two yearly lounge visits

Westpac Altitude Black Mastercard

50,000

0.416

$250

Earn bonus points on Singapore Airlines flight bookings

ANZ Rewards Black

50,000

0.66
(0.33 above $5k/mo)

$375

Pocket extra points shopping online via the ANZ Bonus Points Mall

AMEX Platinum Charge Card

40,000

1.125

$1,450

Unlimited lounge access, hotel status boosts

NAB Rewards Signature Card

Up to 40,000

0.416

$295

Earn triple miles on overseas transactions

Citi Prestige Mastercard

40,000

0.4 (MC)
0.8 (DC)

$700

Priority Pass account, hotel perks

Citi Premier Mastercard

28,000

0.4 (MC)
0.8 (DC)

$395

No international transaction fees on Diners Club card

Westpac Altitude Platinum Mastercard

26,666

0.33

$99 (yr 1)
$150 (yr 2-)

Earn bonus points on with Uber, Spotify and more

AMEX Explorer Credit Card

25,000

1.0

$395

Get a $400 Travel Credit every year to offset the annual fee

ANZ Rewards Platinum

20,000

0.5
(0.16 above $2k/mo)

$0
(yr 1)
$95 (yr 2-)

Waived first year annual fee after $2.5k spend in 3 months

* KrisFlyer miles earned per $1 spent is based on everyday eligible purchases on transactions within Australia. This figure considers the card's earning rate on spend and its conversion rate to KrisFlyer, to display the equivalent number of KrisFlyer miles earned per $1 spent. Some spending categories may also earn more, fewer or no points on each card than the standard earn rate indicated above, such as government transactions, overseas purchases, etc.

Disclaimer

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

Chris Chamberlin

Chris Chamberlin is the Associate Editor of Executive Traveller, and lives by the motto that a journey of a thousand miles begins not just with a single step, but also a strong latte, a theatre ticket, and later in the day, a good gin and tonic.