KrisFlyer is one of the best overseas-based frequent flyer programs for Australian travellers. Especially so when looking to book Business or First Class with Singapore Airlines and its Star Alliance partners. Earning KrisFlyer miles from credit card spend is also a key way for many KrisFlyer members to earn their points.
KrisFlyer has a broad number of credit card partnerships in Australia spanning American Express, Mastercard and Visa. If you use an eligible credit card, there are some excellent points-earning opportunities out there.
We’ve updated our list of the highest KrisFlyer-earning cards on the market. We’ve included an overview table so you can assess the cards that are out there, versus those you may have in your wallet. Some of the current sign-up bonuses for eligible new card applicants are noted as well.
Singapore Airlines KrisFlyer-earning credit cards
| Card | Offer | KrisFlyer Miles earn rate / $ spent | Points Cap | Annual Fee | Our Guide |
|---|---|---|---|---|
HSBC Star Alliance Credit Card ↓ | 0.8 miles up to $3,000 per statement period, and 0.4 miles thereafter, uncapped | uncapped | $499 | Read Here |
 American Express Velocity Platinum ↓ | 0.80 miles on general spend 0.32 miles at government bodies 1.45 miles with Virgin Australia | uncapped | $440 | Read Here |
 American Express Platinum Card ↓ | 0.75 miles on all eligible spend, and 0.33 miles on spend at government bodies | uncapped | $1,450 | Read Here |
 American Express Platinum Business Card ↓ | 0.75 miles on all eligible spend, and 0.33 miles on spend at government bodies | uncapped | $1,750 | Read Here |
 American Express Explorer ↓ | 0.66 mile, and 0.33 miles on spend at government bodies | uncapped | $395 | Read Here |
 ANZ Rewards Black ↓ | 0.66 miles up to $5,000 per statement period, and 0.33 miles thereafter uncapped | uncapped | $375 | Read Here |
 St.George Amplify Signature Visa ↓ | 0.5 miles | uncapped | $295 | Read Here |
NAB Rewards Signature ↓ | 0.5 miles up to $15,000 per statement period, and 0.16 miles thereafter uncapped | uncapped | $35/month (waived if spending $5,000+ per month) | Read Here |
 Westpac Altitude Black ↓ | 0.66 miles on everyday spend 1 miles on international spend 0.33 miles on all other eligible spend | $10,000 per statement period, and 0.5 miles per $1 thereafter | $295 | Read Here |
Commbank Ultimate Awards Card | 0.33 miles on general spend 0.66 miles at major supermarkets, department stores and petrol stations 1 mile on international spend Up to $10,000 per statement period of cumulative spend, then 0.33/$1 on all spend thereafter | uncapped | $35/month (waived if spending $4,000+ per month) | Read Here |
How to analyse this list
For all the cards and offers listed on this page, we are only touching on the ‘effective earn rate’. Unfamiliar with that term? It’s when points in the parent bank / credit card rewards program are transferred to KrisFlyer. It’s also a way to compare the specific points earn rates for each card, even though they may differ across various credit card rewards programs.
This helps get through the weeds, as we’re crunching the numbers behind each card’s headline earn rates and transfer rates to frequent flyer programs.
Each card has other benefits, too. For instance, being able to earn points with other, competing airlines. Annual fees and terms and conditions can also very between cards, so be sure to check out the full guide for each one.
There’s also the signup bonus of a card to consider. A large signup bonus may help to offset a lower earn rate on a card, so bear that in mind. The amount spent via your credit card each month can also play a role. So too can how long you plan to keep the card for.
Each card offer, with bonus, fee and other offer information on this page will be correct at the date of publication. However, please note that we update offers over time – and not necessarily instantaneously when a bank changes their deal.
Transferring to KrisFlyer through Velocity
One of the unique things about Singapore Airlines’ partnership with Virgin Australia is that you can immediately transfer points/miles between the two programs. This happens at a rate of 1.55 points/miles in one program = one point/mile in the other.
For example, 1.55 Velocity Points can become one KrisFlyer mile. Converting in the opposite direction, 1.55 KrisFlyer miles can become one Velocity Point. (Yes, there is a bit of a value ‘haircut’ every time you convert – so don’t send them back and forth repeatedly).
What does this mean for credit card choice? Well, this opens up any Velocity-linked card to KrisFlyer transfers. You’ll need at least 5,000 points in Velocity to be able to transfer. It’s a very useful way to earn KrisFlyer miles from a broader range of credit cards.
This partnership is also why we’d be surprised to see a KrisFlyer-branded credit card in the market again here in Australia. Westpac used to issue one, but it’s no longer open to new applicants.
As a result, we’ve included Velocity-branded cards in this KrisFlyer round-up. For the points earned, we’ve specified their effective earn rate per dollar after transferring points to KrisFlyer.
Some current offers for key Singapore Airlines KrisFlyer-earning credit cards
American Express® Platinum Business Card
Offer ends: 14 Jul 2026
- Bonus points
- 350,000 Bonus Membership Rewards Points¹
- Annual fee
- $1,750 p.a
- Earn
- Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
American Express® Platinum Business Card
Offer ends: 14 Jul 2026
- Bonus Points
- 350,000 Bonus Membership Rewards Points¹
- Annual Fee
- $1,750 p.a
- Earn
- Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
Earn 350,000 Bonus Membership Rewards Points® Points when you apply by 14 July 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date.
American Express Velocity Platinum
Offer ends: 30 Apr 2026
- Bonus points
- Up to 100,000 bonus Velocity Points¹
- Annual fee
- $440 p.a.
- Earn
- 1.25 Velocity Points earned per $1 on all eligible spend except for government bodies⁵. 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases⁵. 0.5 Velocity Points per $1 on Government spend⁵
American Express Velocity Platinum
Offer ends: 30 Apr 2026
- Bonus Points
- Up to 100,000 bonus Velocity Points¹
- Annual Fee
- $440 p.a.
- Earn
- 1.25 Velocity Points earned per $1 on all eligible spend except for government bodies⁵. 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases⁵. 0.5 Velocity Points per $1 on Government spend⁵
Earn up to 100,000 bonus Velocity Points¹. That’s 70,000 bonus Velocity Points when you apply online by 30 April 2026, are approved, and spend $5,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. Plus, an additional 30,000 bonus Velocity Points when you spend a min of $1 on your Card within 90 days of paying your second year annual Card fee.
American Express Platinum Card
- Bonus points
- 220,000 bonus Membership Rewards Points¹
- Annual fee
- $1,450 p.a.
- Earn
- Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
American Express Platinum Card
- Bonus Points
- 220,000 bonus Membership Rewards Points¹
- Annual Fee
- $1,450 p.a.
- Earn
- Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
Enjoy a bespoke offer of 220,000 Bonus Membership Rewards Points when you apply online by 14 April 2026, are approved and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months.
ANZ Rewards Black credit card
- Bonus points
- Up to 180,000 extra ANZ Reward Points + $100 back
- Annual fee
- $375 p.a.
- Earn
- Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
ANZ Rewards Black credit card
- Bonus Points
- Up to 180,000 extra ANZ Reward Points + $100 back
- Annual Fee
- $375 p.a.
- Earn
- Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
ANZ is offering up to 180,000 extra ANZ Reward Points (130,000 pts + $100 back when you spend $5,000 in the first 3 months from approval & 50,000 pts when card is kept for 15 months from activation) for new cardholders of the ANZ Rewards Black credit card. Includes complimentary insurance plus Apple Pay and Google Pay support.
St.George Amplify Rewards Signature
- Bonus points
- Up to 200,000 Amplify Rewards Points
- Annual fee
- $199 in the first year, $295 p.a. ongoing
- Earn
- 3 Amplify Points per $1 on international spend, 2 Amplify Points per $1 on everyday spend, and 1 Amplify Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
St.George Amplify Rewards Signature
- Bonus Points
- Up to 200,000 Amplify Rewards Points
- Annual Fee
- $199 in the first year, $295 p.a. ongoing
- Earn
- 3 Amplify Points per $1 on international spend, 2 Amplify Points per $1 on everyday spend, and 1 Amplify Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
St.George is offering up to 200,000 Amplify Rewards Points (equivalent to 100,000 Velocity Points or up to $900 in eGift cards) plus a reduced first-year annual fee for new cardholders of the Amplify Rewards Signature Card. Includes two complimentary airport lounge passes, complimentary insurances and access to Visa Luxury Hotels program.
NAB Rewards Signature Card with Velocity
Offer ends: 30 Sep 2026
- Bonus points
- Up to 80,000 bonus Velocity Points
- Annual fee
- $35 monthly fee, can be reversed when you spend $5,000 or more in a statement period.
- Earn
- Earn 1.5 NAB Rewards Points per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter²
NAB Rewards Signature Card with Velocity
Offer ends: 30 Sep 2026
- Bonus Points
- Up to 80,000 bonus Velocity Points
- Annual Fee
- $35 monthly fee, can be reversed when you spend $5,000 or more in a statement period.
- Earn
- Earn 1.5 NAB Rewards Points per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter²
Enjoy up to 80,000 Velocity Points for new cardholders (by earning and automatically redeeming 160,000 NAB Rewards Bonus Points) when you spend $5,000 on everyday purchases within the first 90 days of account opening and keep your card open for over 12 months (Offer available to new NAB Cardholders only. T&Cs apply.)
Westpac Altitude Rewards Black
- Bonus points
- Up to 200,000 bonus Altitude points
- Annual fee
- $200 card fee for the first year, $295 p.a. ongoing
- Earn
- 3 Altitude Points per $1 on international transactions, 2 Altitude Points per $1 on everyday spend, and 1 Altitude Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Westpac Altitude Rewards Black
- Bonus Points
- Up to 200,000 bonus Altitude points
- Annual Fee
- $200 card fee for the first year, $295 p.a. ongoing
- Earn
- 3 Altitude Points per $1 on international transactions, 2 Altitude Points per $1 on everyday spend, and 1 Altitude Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
The Westpac Altitude Rewards Black has up to 200,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $950 in e-gift cards or transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 3:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites.
American Express Explorer Credit Card
Offer ends: 19 May 2026
- Bonus points
- 75,000 Bonus Membership Rewards Points¹
- Annual fee
- $395 p.a.
- Earn
- Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent⁶
American Express Explorer Credit Card
Offer ends: 19 May 2026
- Bonus Points
- 75,000 Bonus Membership Rewards Points¹
- Annual Fee
- $395 p.a.
- Earn
- Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent⁶
Earn 75,000 Bonus Membership Rewards Points¹ when you apply by 19 May 2026, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months (T&Cs apply. New American Express Card Members only). Enjoy a $400 Annual Travel Credit², complimentary access to The Centurion® Lounges³ in Sydney and Melbourne, Card, Smartphone and International Travel Insurance⁴, for a $395 p.a. annual fee.
HSBC Star Alliance Credit Card
- Bonus points
- Fast Track to Star Alliance Gold Status
- Annual fee
- $0 in the first year, $499 p.a. thereafter
- Earn
- Earn 1 Star Alliance Point per $1 on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance Points per $1 spent on eligible purchases thereafter, uncapped
HSBC Star Alliance Credit Card
- Bonus Points
- Fast Track to Star Alliance Gold Status
- Annual Fee
- $0 in the first year, $499 p.a. thereafter
- Earn
- Earn 1 Star Alliance Point per $1 on eligible purchases, up to $3,000 per statement period and 0.5 Star Alliance Points per $1 spent on eligible purchases thereafter, uncapped
Fast track your way to Star Alliance Gold Status when you apply for the HSBC Star Alliance Credit Card and spend $4,000 or more on eligible purchases in the first 90 days from account opening. Includes $0 annual fee in the first year ($499 p.a. thereafter) and uncapped Star Alliance points earn on spend. Fee, charges and T&C's apply. Offer may end anytime.
Many other credit cards with lower annual fees are also linked to KrisFlyer, but with lower points earn rates too. Check out the cards table for the list.
Additional reporting by Chris Chamberlin.
I don’t think altitude pays points for government anymore
Hi Daniel,
I read that one can convert the Gold status to 40,000 points. Is this an option for all or for those that hold gold status at the time. Web travel business so don’t really need the Gold status but the extra 40000 points will make a difference. Thank you for the thoroughness of your articles.
Many thanks for great info.
Any thoughts on the NAB Rewards signature card for Krisflyer redemption?
Hi Daniel
For the American Express Platinum Edge card, how do you arrive at 1.125 Krisflyer miles per $1? Shouldn’t it be 1.5 Krisflyer miles per $1
Hi Hiten
Our guide states the following regarding the Platinum Edge card:
0.5 point on general spend including utilities and ATO
1 points on overseas spend
1.5 points at supermarkets and petrol stations
I think you missed Diners – 2 velocity miles per $, converts to 1.48 kris per $ (1.29 from Jan 2019). And even better if you do it during a transfer bonus period (usually May and November)
Do you know of any Krisflyer linked cards that provide SG lounge passes similar to the Qantas Westpac Card? Looking to gain extra Krisflyer points and also obtain lounge access in Singapore lounges.
I’m not aware of any KrisFlyer-linked cards in Australia providing Singapore Airlines lounge access, so I would suggest getting a card with Priority Pass lounge membership as a perk and using that to visit one of the many lounges at Changi Airport.
With the The American Express Business Accelerator you need an ABN to apply.
As long as you keep transferring points to your Krisflyer before reaching the 100,000 limit you can consider this card also uncapped.
You do need an ABN, yes.
However the points are bonused on earning them, not on transferring them. You can see this on your points activity statement – you’ll see double, up until the point at which you earn 100,000. After that they earn at 1 point per dollar. The transfer rate to KrisFlyer doesn’t change though, so the card does have a cap for the 2 points per $ earn rate – but you do keep earning after the cap (points don’t drop down to 0).
The Westpac Altitude Black Amex only offers 1.2 Krisflyer points per $ now I think, can you verify. Will we be better off transferring our Citi Prestige points to Velocity after June 15th when they offer the 15% bonus as that will work out to around .852 points per dollar for Krisflyer.
Thanks Keith and understand. However you still need to add the double overseas rate for the St George/BankSA card.
The list is wrong both for the Citi Signature (no longer earns overseas bonus) and for the St George/BankSA card (does earn an overseas bonus) and also earns an exta 10% for your birthday so if you are keeping the card long term it makes it one of the highest earning non Amex cards.
Thanks – Citi Signature corrected.
I didn’t factor in the St. George birthday bonus into the earn rate – people should if they intend to keep the card year on year, but firstly if you don’t keep the card until that point then the earn rate is 0.75, and secondly, just like most of the cards on the list – they could devalue their earn rates or take away that feature at any time, so I chose not to factor it in given it’s a long-term benefit.
Many thanks for great info.
Any thoughts on the NAB Rewards signature card for Krisflyer redemption?
2 other cards that may be worth mentioning if you have no need of the free flight (Edge) or travel credit (Explorer) would be the DJs Amex cards.
The DJs Amex would give:
1.5 miles at supermarkets and fuel
1 mile at DJs
0.5 miles on everything else
The Platinum DJs Amex would give:
1.5 miles at supermarkets and fuel
2 miles at DJs
0.5 miles on everything else
Unless you shop a lot at DJs the regular card looks like a good deal for supermarkets and fuel (especially for only a $99 annual fee).