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 Business Class can be booked using KrisFlyer miles from credit card spend
Flight bookings on Singapore Airlines are one of the best ways to spend KrisFlyer miles.

Singapore Airlines KrisFlyer-earning credit cards

Card | OfferKrisFlyer Miles earn rate / $ spentPoints CapAnnual FeeOur Guide
HSBC Star Alliance Card
HSBC Star Alliance Credit Card ↓		0.8 miles up to $3,000 per statement period, and
0.4 miles thereafter, uncapped		uncapped$499Read Here
American Express Velocity Platinum
American Express Velocity Platinum ↓		0.80 miles on general spend
0.32 miles at government bodies
1.45 miles with Virgin Australia		uncapped$440Read Here
American Express Platinum Card
American Express Platinum Card ↓		0.75 miles on all eligible spend, and
0.33 miles on spend at government bodies		uncapped$1,450Read Here
American Express Platinum Business Card
American Express Platinum Business Card ↓		0.75 miles on all eligible spend, and
0.33 miles on spend at government bodies		uncapped$1,750Read Here
HSBC Premier World Mastercard
HSBC Premier World Mastercard		0.75 milesup to $120,000 spent per year$0 in the first year, $199 afterwards-
American Express Explorer
American Express Explorer ↓		0.66 mile, and
0.33 miles on spend at government bodies		uncapped$395Read Here
American Express Business Explorer
American Express Business Explorer ↓		0.66 mile, and
0.33 miles on spend at government bodies		uncapped$149Read Here
ANZ Rewards Black
ANZ Rewards Black ↓		0.66 miles up to $5,000 per statement period, and
0.33 miles thereafter uncapped		uncapped$375Read Here
St.George Amplify Signature Visa
St.George Amplify Signature Visa ↓		0.5 milesuncapped$295Read Here
NAB Rewards Signature
NAB Rewards Signature ↓		0.5 miles up to $15,000 per statement period, and 0.16 miles thereafter uncappeduncapped$35/month
(waived if spending $5,000+ per month)		Read Here
Westpac Altitude Black
Westpac Altitude Black ↓		0.41 miles
uncapped$295
Read Here
Citi Prestige Mastercard
Citi Prestige Mastercard		0.4 miles on general spend
0.8 miles at major petrol
stations, supermarkets
and retailers
1.2 miles at major
restaurants, airlines
and international
spend		uncapped$700Read Here
American Express Platinum Edge
American Express Platinum Edge ↓		0.33 miles on general spend including utilities and ATO
0.66 mile on overseas spend
1 miles at supermarkets and petrol stations		uncapped$195Read Here
CommBank Ultimate
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

Apply Now Read the guide
  • Sign-up Bonus: 250,000 Membership Rewards Bonus Points*
  • Rewards Earn Rate: 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. 
  • Annual Fee: $875 in the first year (normally $1,750 p.a)*
  • Offer expires: 27 May 2025

New American Express Card Members can earn 250,000 Membership Rewards Bonus Points in the first year* when you apply, are approved and spend $12,000 on eligible purchases on your American Express Platinum Business Card in the first 3 months of your approval date. Plus, enjoy a half annual Card fee of $875 (normally $1,750) in the first year. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. Offer ends 27 May 2025. T&Cs apply.

American Express Velocity Platinum

Apply Now Read the guide
  • Sign-up Bonus: 100,000 bonus Velocity Points*
  • Rewards Earn Rate: 1.25 Velocity Points earned per $1 on all eligible spend except for government bodies˜. 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases˜. 0.5 Velocity Points per $1 on Government spend˜. 
  • Annual Fee: $440 p.a.
  • Offer expires: 30 April 2025

The American Express Velocity Platinum Card has 100,000 bonus Velocity Points* on offer for new American Express Card Members who apply by 30 April 2025 and spend $3,000 on eligible purchases within the first 3 months of approval. Includes several perks such as Virgin Australia Lounge Access^ every time you fly domestically with Virgin Australia, 2 VA Guest Lounge Passes⁼ each year and a Complimentary Domestic Return Virgin Australia Flightˢ. Terms, conditions and exclusions apply. New American Express Card Members Only.

American Express Platinum Card

Apply Now Read the guide
  • Sign-up Bonus: 150,000 bonus Membership Rewards points¹
  • Rewards Earn Rate: 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. 
  • Annual Fee: $1,450 p.a.
  • Offer expires: 6 May 2025

The American Express Platinum Card is offering 150,000 bonus Membership Rewards Points¹ for new American Express Card Members who apply by 6 May 2025 and spend $5,000 on eligible purchases in the first 3 months of approval. It also comes with up to $400 in Global Dining Credit¹¹ per calendar year and a $450 annual Travel Credit⁵. A great card for those who want to earn Membership Rewards Points on everyday spend and transferable to over 10 major Airline Rewards Partner Programs⁸. T&Cs apply. New American Express Card Members only.

ANZ Rewards Black credit card

Apply Now Read the guide
  • Sign-up Bonus: Up to 160,000 extra ANZ Reward Points + $100 back with the ANZ Rewards Black credit card
  • Rewards Earn Rate: 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. 
  • Annual Fee: $375 p.a. ongoing

ANZ is offering up to 160,000 extra ANZ Reward Points (110,000 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) 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

Apply Now Read the guide
  • Sign-up Bonus: Up to 180,000 Amplify Rewards Points
  • Rewards Earn Rate: 1.5 Amplify Points for every $1 spent on eligible purchases. 
  • Annual Fee: $199 in the first year, $295 p.a. ongoing

St.George is offering up to 180,000 Amplify Rewards Points (equivalent to 90,000 Velocity Points or up to $800 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 per year and you can also receive a 10% bonus reward of the points you earned for the previous year on your birthday.

NAB Rewards Signature

Read the guide
  • Rewards Earn Rate: Earn 1.5 NAB Rewards Points earned per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter. 
  • Annual Fee: $35 monthly fee, can be reversed when you spend $5,000 or more in a statement period.

The NAB Rewards Signature Card is the highest points-earning card in the NAB Rewards line-up. It has no international transaction fees on all eligible purchases and comes with a Delayed Flight Lounge Pass that gives you complimentary access to an airport lounge at selected locations in the event of a 60 minute or more delay to your domestic or international flight.

Westpac Altitude Rewards Black

Apply Now Read the guide
  • Sign-up Bonus: Up to 180,000 bonus Altitude points
  • Rewards Earn Rate: 1.25 Altitude Points for every $1 spent on eligible purchases. 
  • Annual Fee: $200 for the first year, $295 p.a. ongoing

The Westpac Altitude Rewards Black has up to 180,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $800 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 Business Explorer

Read the guide
  • Sign-up Bonus: 50,000 bonus Membership Rewards Points
  • Rewards Earn Rate: Earn 2 Membership Rewards Points per $1 spent on eligible business purchases except government bodies where you will earn 1 point per $1 spent. 
  • Annual Fee: $149 p.a.

American Express is offering 50,000 bonus Membership Rewards Points for new American Express Card Members who apply for the Business Explorer Credit Card and spend $3,000 on eligible purchases in the first 3 months from approval. Benefits of this card include complimentary American Express lounge access plus a range of insurances and high points earn rates on spend.

American Express Explorer Credit Card

Apply Now Read the guide
  • Sign-up Bonus: 75,000 bonus Membership Rewards Points
  • Rewards Earn Rate: Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent⁶. 
  • Annual Fee: $395 p.a.
  • Offer expires: 1 July 2025

American Express is offering 75,000 bonus Membership Rewards Points¹ for new American Express Card Members who apply for the Explorer Credit Card by 1 July 2025, are approved, and spend $4,000 on eligible purchases within the first 3 months of the approval date. Includes $400 Travel Credit² each year as a regular benefit, plus free access to The Centurion® Lounge³ at Sydney and Melbourne airports along with a range of insurances⁴ and high points earn rates on spend. T&Cs apply. New Amex Card Members only.

American Express Platinum Edge

Read the guide
  • Rewards Earn Rate: 3 Membership Rewards points earned per $1 spent at major supermarkets and petrol stations. 2 Membership Rewards points earned per $1 on overseas spend. 1 Membership Rewards point per $1 spent everywhere else including ATO, other government charges and utilities. 
  • Annual Fee: $0 in the first year, $195 p.a.

The American Express Platinum Edge Card is offering $0 annual Card Fee (usually $195) in the first year for new Card Members. The card comes with a $200 travel credit each year it is renewed, Smartphone Screen Cover and earns 3 points per $1 at major supermarkets and petrol stations, and 2 points per $1 on overseas spend.

HSBC Star Alliance Credit Card

Apply Now Read the guide
  • Sign-up Bonus: Fast track to Gold Status with the HSBC Star Alliance Credit Card
  • Rewards Earn Rate: 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. 
  • Annual Fee: $0 in the first year, $499 p.a. thereafter

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.

The highest KrisFlyer miles-earning credit cards was last modified: March 11th, 2025 by Daniel Sciberras