Point Hacks Credit Card Guide

The highest KrisFlyer mile earning credit cards – American Express earning over 1 Mile per $, Visa/MasterCard over 0.75 Miles per $

With the recent changes to Altitude Rewards, several commenters have asked about options for KrisFlyer linked credit cards.

I was a touch surprised, although I don’t know why – KrisFlyer is a great frequent flyer program for redemptions in Business and First Class with Singapore Airlines and a range of Star Alliance partners.

Anyhow, time for us to cover the current landscape of KrisFlyer earning credit cards if you’re a Singapore Airlines KrisFlyer convert.

How to analyse this list

For all the cards and offers listed on this page we are only touching on the ‘effective earn rate’ – this is when points in the parent bank / credit card rewards program are transferred to KrisFlyer, and is a way to compare the specific points earn rates for each card across various credit card rewards programs that offer different headline earn rates and transfer rates to frequent flyer programs.

Each card has other benefits too, along with other transfer partners, annual fees and terms and conditions – so be sure to check out the full guide to each card.

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. It depends how much spend you put through your credit card each month, and how long you keep the card for.

Each card offer, with bonus, fee and other offer information on this page will be up to date at the date of publication, however please note that we update offers over time.

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, at a rate of 1.35 points / miles in one program = 1 point / mile in the other.

What does this mean for credit card choice? Well, this opens up any Velocity-linked card to KrisFlyer transfers. You’ll need 5,000 points minimum in Velocity to be able to transfer, but otherwise it’s useful to be able to earn KrisFlyer miles from other credit cards.

This partnership is also why I’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 too, and specified their effective earn rate per $ after transferring points to KrisFlyer.


Singapore Airlines KrisFlyer Earning Credit Cards

CardAmerican Express KrisFlyer Miles earned / $ spentVisa/MasterCard KrisFlyer Miles earned / $ spentPoints CapAnnual FeeOur Guide
American Express Business Accelerator ↓2 miles (1 mile after points cap)-100,000 p.a.$160
American Express Explorer ↓1.5 miles-uncapped$395
Westpac Altitude Black Amex & Mastercard ↓1.5 miles0.625 mile domestic
1.5 miles overseas
uncapped$395
American Express Platinum Charge ↓3 miles at selected restaurants
2 miles on travels
2 miles on overseas spend
0.5 miles on utilities
1 mile on everything else
and everything earns 1 mile after cap
-300,000 p.a.$1,200
American Express Platinum Edge ↓3 miles at selected supermarkets
2 miles on fuel
1 mile on everything else
-uncapped$195
American Express Velocity Platinum ↓2.22 miles at selected restaurants
1.48 miles on travels
0.74 mile on everthing else
-uncapped$349
NAB Velocity Premium American Express & Visa ↓1.11 mile0.37 mile20,000 per month$150
ANZ Rewards Black ↓1 mile0.42 mileuncapped$375
Citi Prestige Visa ↓-1 mile domestic
2.5 miles overseas
uncapped$700
St. George Amplify Signature ↓-0.75 mileuncapped$279
Citi Signature Visa ↓-0.75 mile (domestic only)uncapped$395
Virgin Money Velocity High Flyer Visa ↓-2.22 mile with Virgin Australia
0.74 mile on everything else
0.5 mile after cap
10,000 per month$289


American Express Business Accelerator - 2 points per $ up to 100,000 points yearly

The American Express Business Accelerator offers business owners and sole traders 2 Membership Rewards per dollar up to 100,000 points earned each cardholder year, with 1 point per $ earned after for an annual fee of $160.

  • 2 Membership Rewards points earned per $ spent everywhere (except for utilities, insurance and the ATO up to 100,000 points per year)
  • 1 Membership Rewards point earned per $ after 100,000 points earned in a year
  • $160 p.a. annual fee

Find out more or apply →

Point Hacks earn a maximum of $100 per applicant for this card. More about this →

The American Express Business Accelerator earns the equivalent of 2 KrisFlyer Miles per dollar up to 100,000 points earned per year.



American Express Explorer - 100,000 Membership Rewards Gateway points

American Express 'Explorer' card has 100,000 bonus Membership Rewards Gateway points on offer. Includes $400 travel credit each year, free American Express lounge access plus a range of insurances and high points earn rates on spend.

  • 100,000 Membership Rewards Gateway point bonus
  • $400 travel credit every year
  • Free access to the Sydney Airport American Express lounge twice a year
  • 2 Membership Rewards points earned per $1 on all purchases except government bodies where you will earn 0.5 points per $1 spent.
  • Included Insurances - smartphone screen insurance and various travel insurances (PDS)
  • 0% p.a. on balance transfer for the first 12 months - A one-off credit plan establishment fee of 1% applies
  • $395 p.a. annual fee
  • Card Members who currently hold or who have previously held any Credit Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
  • $1,500 minimum spend in 3 months required to earn bonus points
  • Offer ends: 15 May 2017

Find out more or apply →

Point Hacks earn a maximum of $250 per applicant for this card. More about this →

The American Express Explorer earns the equivalent of 1.5 KrisFlyer Miles per dollar with no points cap, including utlities. Government bodies earn at 0.5 Miles per $ spent.



Westpac Altitude Black Amex & MasterCard - 50,000 Qantas or Altitude Rewards Points

Westpac's top-end Altitude Black card has a 50,000 bonus Qantas or Altitude points on offer plus a heap of ongoing card benefits, including Qantas or Priority Pass lounge invites and Starwood Preferred Guest Gold status.

  • 50,000 Qantas Points or Altitude Rewards points
  • 1.5 Qantas Points or 3 Altitude Points for every $1 spent on the American Express
  • 0.625 Qantas Points or 1.25 Altitude Points for every $1 spent on the MasterCard, plus 1.5 Qantas Points or 3 Altitude Points for every $1 spent overseas on the MasterCard
  • 2 x Qantas Club or Priority Pass invitations per cardholder year
  • Access to World MasterCard benefits, including Starwood Preferred Guest Gold status after one paid stay
  • Overseas Travel Insurance, Purchase Protection etc. (PDS)
  • $395 annual fee
  • $5,000 minimum spend in 90 days required to earn bonus
  • Bonus points offer not available with switches, upgrades, customers accessing employee benefits or packages.
  • Offer ends: 20th April 2017

Find out more or apply →

Point Hacks earn up to $300 per applicant for this card. More about this →

The Westpac Altitude Black and Altitude Business Platinum cards will earn 1.2 KrisFlyer miles per dollar on the American Express from September 28th 2016. The Altitude Black will earn 0.5 KrisFlyer Miles per $ on the linked MasterCard, while the Altitude Business Platinum will earn 0.4.



American Express Platinum Charge - 120,000 Membership Rewards points

With a Point Hacks Exclusive 120,000 Membership Rewards points bonus available on sign up, the American Express Platinum Charge is a great card for those who want to earn Membership Rewards points on everyday spend with lots of additional benefits. Read the Point Hacks guide for the full rundown.

  • 120,000 Membership Rewards points signup bonus
  • $300 travel credit annually
  • Unlimited access to certain airline lounges - including Virgin Australia Domestic, Delta and American Express lounges globally
  • Access to American Express Fine Hotels & Resorts perks & discounts
  • 3 Membership Rewards points earned per $ spent at restaurants, 2 points earned per $ on travels, and 1 point per $ everywhere else except for utilities and the ATO
  • $1200 p.a. annual fee
  • Offer ends: 30th March 2017
  • Card Members who currently hold or who have previously held any other Consumer Charge Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.
  • Bonus points require $1,500 minimum spend in first 3 months
  • Charge card, not credit card - balance requires payment in full each month but with no pre-set spending limit - more about this

Find out more or apply →

Point Hacks earn a maximum of $330 per applicant for this card. More about this →

The American Express Platinum Charge Card earns the equivalent of at least 1 KrisFlyer Miles per dollar for most transactions, with 3 Miles per $ on restaurant and dining spend, and 2 Miles per $ on travel and overseas spend – those bonuses are available up to 300,000 points per year.

Utilities & government bodies earn at 0.5 Miles per $ spent.



American Express Platinum Edge - No annual fee on the first year

American Express are offering 5,000 bonus Membership Rewards points and no annual fee on the first year with the Platinum Edge. This includes $200 travel credit each year, 3 points per $ at supermarkets, and 2 points per $ on fuel.

  • 5,000 Membership Rewards point bonus
  • $200 travel credit each year which can be used for flight, hotel or rental car bookings with Amex Travel
  • Travel and purchase protection insurances (PDS)
  • 3 Membership Rewards points earned per $ spent at supermarkets, 2 points earned per $ on fuel, and 1 point per $ everywhere else except for utilities and the ATO
  • 0% p.a. on balance transfers for the first 12 months, with a 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • Annual fee: Free on the first year (usually $195 p.a.)
  • Card Members who currently hold or who have previously held any Credit Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
  • $750 minimum spend in 3 months required to earn bonus points

Find out more or apply →

Point Hacks earn a maximum of $200 per applicant for this card. More about this →

The American Express Edge earns the equivalent of at least 1 KrisFlyer Miles per dollar for most transactions, with 3 Miles per $ on supermarket spend, and 2 Miles per $ on fuel spend – those bonuses are available up to 300,000 points per year.

Utilities & government bodies earn at 0.5 Miles per $ spent.



American Express Velocity Platinum - 50,000 Velocity Points

The American Express Velocity Platinum card has a 50,000 Velocity Point bonus, along with a number of Virgin Australia perks including lounge passes, bonus points, and a free domestic flight.

  • 50,000 Velocity point signup bonus
  • Two free Virgin Australia lounge passes each cardholder year
  • One free domestic flight with Virgin Australia each cardholder year
  • 3 Velocity points earned per $ spent at restaurants and with Virgin Australia, 2 points earned per $ on other travel, and 1 point per $ everywhere else except for utilities and the ATO
  • $349 annual fee
  • 0% p.a. on balance transfers for the first 12 months with 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • Card Members who currently hold or who have previously held any Credit Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
  • $1,500 minimum spend within the first 3 months required to trigger bonus points

Find out more or apply →

Point Hacks earn a maximum of $250 per applicant for this card. More about this →

The American Express Velocity Platinum earns the equivalent of at least 0.74 KrisFlyer Miles per dollar for most transactions, with 2.22 Miles per $ on restaurant and dining spend, and 1.48 Miles per $ on travel and overseas spend, after being transferred from Velocity.

Utilities & government bodies earn at 0.37 Miles per $ spent.



NAB Velocity Premium earns the equivalent of 1.11 KrisFlyer Miles per dollar with no points cap on the American Express after being transferred from Velocity to KrisFlyer. This card earns 0.37 KrisFlyer Miles per $ on the linked Visa.



ANZ Rewards Black Visa - $250 Westfield Gift Card

ANZ is offering a $250 Westfield Gift Card, when you spend $2,500 on eligible purchases in the first 60 days from approval plus $0 annual fee for the first year with the ANZ Rewards Black Visa. Eligibility criteria, T&Cs, fees and charges apply.

  • $250 Westfield Gift Card when you spend $2,500 on eligible purchases within 60 days of approval
  • $0 annual fee for the first year
  • 24/7 Personal Concierge and exclusive entertainment and lifestyle offers
  • ANZ's highest point earn rate on spend with 2 ANZ Rewards points earned per $1 spent on eligible purchases uncapped until 5th August 2017
  • After 5th August 2017 points caps apply - earn 2 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.
  • Signup bonus points will be awarded within 2 months of meeting purchase criteria

Find out more or apply →

Point Hacks earn up to $150 per applicant for this card. More about this →

ANZ Rewards Black earns the equivalent of 1 KrisFlyer Mile per dollar with no points cap on the American Express when transferred directly from ANZ Rewards, but when transferred from ANZ Rewards to Velocity and then to KrisFlyer, earns the equivalent of 1.11 Mile per $. This card will earn 0.42 KrisFlyer Miles per $ on the linked Visa, but similarly if transferred via Velocity, will earn 0.46 KrisFlyer Miles per $.



Citi Prestige Visa - 70,000 Citi Rewards points (35,000 KrisFlyer / Velocity points if transferred)

70,000 Citi Rewards Points are on offer with the Citi Prestige Visa when signing up and linking to Citi Rewards - you can transfer these points to Virgin, Krisflyer or Asia Miles.

  • 70,000 Citi Rewards points after first eligible transaction
  • Ability to transfer points to Velocity, Krisflyer, Asia Miles or other international frequent flyer programs
  • Priority Pass lounge access, Visa Luxury Hotels service, and other premium benefits
  • 2 Citi Rewards points earned per $ or 1 Qantas point per $, 5 Citi Rewards points per $ earned on overseas transactions
  • Points earn equivalent to 1 Velocity points or KrisFlyer miles per $ spent domestically, or 2.5 per $ spent on overseas transactions
  • 0% interest p.a. on balance transfers for 6 months
  • $700 annual fee
  • $150,000 p.a. minimum income requirement
  • Offer expires: April 30th 2017

Find out more or apply →

Point Hacks earn a maximum of $280 per applicant for this card. More about this →

The Citi Prestige Visa earns the equivalent of 1 KrisFlyer Mile per dollar with no points cap, and 2.5 KrisFlyer Miles per $ on all overseas spend.



St George Amplify Signature Visa - 30,000 Qantas points

The Amplify Signature Visa has 30,000 bonus Qantas points or Amplify points on offer, plus 0% interest on balance transfers for 12 months. You can also receive a 10% bonus reward of the points you earned for the previous year on your birthday.

  • 30,000 bonus Qantas or Amplify points
  • 0% interest on balance transfers for the first 12 months
  • 0% p.a. interest on purchases for first 6 months after approval
  • 0.75 Qantas Points or 1.5 Amplify Points for every $1 spent on eligible purchases in Australia
  • 1.5 Qantas Points or 3 Amplify Points for every $1 spent on eligible purchases overseas
  • Overseas Travel Insurance, Extended Warranty Insurance and Price Guarantee (PDS)
  • 2 x Qantas Club or Priority Pass invitations per cardholder year
  • Access to Visa Luxury Hotels program
  • $279 annual fee
  • Offer not available to existing St. George card holders, or those who have held a St. George-issued card within the last 12 months
  • Offer ends: 1st May 2017
  • $2,500 minimum spend required the first 90 days required to earn bonus points

Find out more or apply →

Point Hacks earn up to $160 per applicant for this card. More about this →

The St. George Amplify Visa earns the equivalent of 0.75 KrisFlyer Miles per dollar with no points cap, along with a 10% points bonus of all points earned in the previous year on your birthday.



Citi Signature Visa - 75,000 Citi Rewards points (37,500 KrisFlyer / Velocity points if transferred)

75,000 Citi Rewards Points are on offer with the Citi Signature Visa, convertible to 37,500 Singapore Airlines Krisflyer miles or Virgin Australia Velocity points, with an effective earn rate of 0.75 airline points per $ on spend.

  • 75,000 Citibank Rewards points
  • 0% interest p.a. for 6 months on balance transfers
  • Priority Pass lounge access and some other premium card benefits
  • Ability to earn Citi Rewards points where you can transfer points to Velocity & Krisflyer, or swap the card to Qantas Points down the track
  • 1.5 Citi Rewards points per $1 spent - capped to $20,000 per statement period for domestic spend, uncapped for international spend
  • $199 p.a. annual fee first year, $395 ongoing
  • Offer expires: 30 April 2017
  • Spend on everyday purchases within the first 90 days to receive bonus points

Find out more or apply →

Point Hacks earn a maximum of $160 per applicant for this card. More about this →

The Citi Signature Visa earns the equivalent of 0.75 KrisFlyer Miles per dollar when linked to Citi Rewards, with a cap equivalent to 15,000 KrisFlyer Miles earned per month (no cap on overseas spend).



Virgin Money Velocity High Flyer Visa - Up to 50,000 Velocity points

Virgin Money have up to 50,000 bonus Velocity points on offer with their High Flyer Visa. This has one of the highest Visa earn rates for Velocity points out there along with Virgin Australia flight credit voucher and lounge benefits.

  • Up to 50,000 bonus Velocity Points (spend criteria apply)
  • $129 Virgin Australia flight credit voucher and 2 lounge passes
  • 1 Velocity Points earned per $ spent up to 10,000 Points per month, 0.5 Velocity Points per $ after
  • 1.9% p.a. on balance transfers for 15 months
  • $289 p.a. annual fee
  • Offer expires: 3rd April 2017
  • 10,000 bonus points for every month you spend $3,000 or more in the first 5 months

Find out more or apply →

Point Hacks earn a maximum of $80 per applicant for this card. More about this →

The Virgin Money High Flyer Visa earns the equivalent of 0.74 KrisFlyer Miles per dollar after being transferred from Velocity, with 2.22 Miles per $ on spend with Virgin Australia. There’s a points cap equivalent to 7,400 KrisFlyer miles per month ($10,000).

Not mentioned above as we have no guide for it yet – the Diners Club Card + World MasterCard earns the equivalent of 1.5 KrisFlyer Miles per $ on the Diners Club card and 0.625 on the linked World MasterCard.

Many other 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.

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Comments Expand Comments

  1. D

    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).

  2. Spizzy

    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.

    • Keith Author

      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.

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