Best Singapore Airlines 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, December 7 2020
Best Singapore Airlines credit card sign-up offers
Disclaimer

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

The information provided on this page is purely factual and general in nature. 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, NAB, St.George, Suncorp 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 March 2 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 on eligible purchases, 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.

Bank disclaimer: Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account.

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. AMEX Platinum Charge Card

Sign-up Bonus: Take home 150,000 bonus Membership Rewards points when you apply online, are approved and spend $3,000 on your new card within the first three months.

Plus, collect an extra 50,000 bonus Membership Rewards points in the second year upon fee renewal. That's up to 100,000 bonus KrisFlyer miles, after converting your Membership Rewards points to KrisFlyer at a 2:1 rate.

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.

3. AMEX Explorer Credit Card

Sign-up Bonus: Begin with 120,000 bonus Membership Rewards points when you apply by January 27 2021, are approved and spend $3,000 on purchases – plus, get a further 30,000 bonus Membership Rewards points after your second-year annual fee has been charged.

In total, that's up to 75,000 bonus KrisFlyer miles, after converting the full bounty of 150,000 Membership Rewards points to KrisFlyer at the applicable 2:1 conversion rate.

Rewards: Earn 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, with no fees for up to four additional cardholders.

4. 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 March 31 2021, 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.

5. ANZ Rewards Black

Sign-up Bonus: Receive 130,000 bonus ANZ Reward Points and $150 back to your new ANZ Rewards Black card, when you apply and spend $2,000 on eligible purchases in the first three months from approval. Converted to KrisFlyer at a 3:1 rate, that's 43,333 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 – reduced in 'cost' in the first year to $225 when the $150 cashback offer is taken into account – with a $65 fee payable per additional cardholder per year.

6. Suncorp Clear Options Platinum Visa

Sign-up Bonus: Get your hands on 100,000 bonus Suncorp Rewards points when you apply before February 28 2021 and spend $3,000 on eligible transactions in the first 90 days from approval. Suncorp Rewards points can be converted into KrisFlyer miles at a 2.5:1 rate, giving you a bounty worth 40,000 KrisFlyer miles.

Rewards: Collect 1.25 Suncorp Rewards points per $1 spent on eligible transactions – equal to 0.5 KrisFlyer miles per $1 spent after conversion.

Annual Fee: $129

7. 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.

8. ANZ Rewards Platinum

Sign-up Bonus: Pocket 100,000 bonus ANZ Reward Points plus $50 back to your new ANZ Rewards Platinum card, when you apply and spend $1,500 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 33,333 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: $95, but effectively reduced to a net 'cost' of $45 in the first year, when factoring in the $50 cashback offer for eligible new customers. There's also a $65/year fee charged per additional cardholder.

9. Westpac Altitude Platinum Mastercard

Sign-up Bonus: Apply by March 31 2021, 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.

10. AMEX Platinum Edge Credit Card

Sign-up Bonus: Take home 50,000 bonus Membership Rewards points when you apply online by January 27 2021, are approved and spend $1,500 on your new card within the first three months.

When converted from Membership Rewards to KrisFlyer at a 2:1 rate, that's equal to 25,000 bonus KrisFlyer miles.

Rewards: Earn 3 Membership Rewards points (1.5 KrisFlyer miles) per $1 spent at major supermarkets and petrol stations, and 2 MR points (1 KrisFlyer mile) per A$1 spent in a foreign currency (overseas and online). Earn 1 MR point (0.5 KrisFlyer miles) per $1 spent on all other purchases.

Annual Fee: $195, which is offset by a yearly $200 travel credit.

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

December 2020 saw American Express introduce or increase several offers across its card portfolio, with a number of cards bettering their previous rank or indeed, joining this list.

With an offer of up to 100,000 KrisFlyer miles, AMEX's Platinum Charge Card climbs to second place, followed closely by the AMEX Explorer card in third position.

The AMEX Platinum Edge Credit Card also appears in our rankings here for the first time, as it's been at least two years since the card last tempted with a considerable number of bonus points.

An offer expiration at Citibank was also to AMEX's advantage. As at December 4, Citibank continued to promote an offer on its Prestige Mastercard that expired on November 30, with no deal to replace it.

Citibank has also paused new applications for its Citi Premier Mastercard, which similarly sees it disappear from these rankings.

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

AMEX Platinum Charge Card

Up to 100,000

1.125

$1,450

Unlimited lounge access, hotel status boosts

AMEX Explorer Credit Card

Up to 75,000

1.0

$395

A $400 annual travel credit offsets the annual fee

Westpac Altitude Black Mastercard

50,000

0.416

$250

Earn bonus points on Singapore Airlines flight bookings

ANZ Rewards Black

43,333

0.66
(0.33 above $5k/mo)

$375

Get $150 back to your new card

Suncorp Clear Options Platinum Visa

40,000

0.5

$129

Points also convert direct to Velocity, Skywards

NAB Rewards Signature Card

Up to 40,000

0.416

$295

Earn triple miles on overseas transactions

ANZ Rewards Platinum

33,333

0.5
(0.16 above $2k/mo)

$95

Get $50 back to your new 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 Platinum Edge Credit Card

25,000

0.5

$195

Get a $200 travel credit every year

* 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.

The information provided on this page is purely factual and general in nature. 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.