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.
Flight bookings on Singapore Airlines are one of the best ways to spend KrisFlyer miles.
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
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
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
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:
$1,750 p.a
Offer expires
13 January 2026
Earn 300,000 Bonus Membership Rewards Points* when you apply by 13 January 2026, are approved and spend $12,000 on eligible purchases on your American Express Platinum Business Card in the first 3 months of approval. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. T&Cs apply. Available for new American Express Card Members only.
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.
The American Express Velocity Platinum Card has 60,000 bonus Velocity Points* on offer for new American Express Card Members who apply, are approved 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.
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
13 January 2026
Enjoy 150,000 bonus Membership Rewards Points¹ when you spend $5,000 on eligible purchases in the first 3 months. (Offer available to new American Express Card Members only. Offer ends 13 January 2026. T&Cs apply.) Unlock premium perks including unlimited airport lounge access, international travel insurance, Amex Hotels and Resorts benefits, up to $400 in Global Dining Credit¹⁰, and a $450 Travel Credit⁵ each year. Earn up to 2.25 Membership Rewards Points per $1 on eligible spend. The annual fee is $1,450.
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.
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
Offer Currently Not Available
Sign-up Bonus:
Up to 160,000 Amplify Rewards Points
Rewards Earn Rate:
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
Annual Fee:
$199 in the first year, $295 p.a. ongoing
St.George is offering up to 160,000 Amplify Rewards Points (equivalent to 80,000 Velocity Points or up to $700 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
Offer Currently Not Available
Sign-up Bonus:
Up to 110,000 bonus NAB Rewards Points
Rewards Earn Rate:
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 thereafter
Annual Fee:
$35 monthly fee, which is reversed when you spend $5,000 or more in a statement period.
The NAB Rewards Signature Card is offering up to 110,000 bonus NAB Rewards Points¹ for new cardholders. It’s the highest points-earning card in the NAB Rewards range², with no international transaction fees on eligible purchases. The card also includes a Delayed Flight Lounge Pass, giving you complimentary access to an airport lounge at selected locations if your domestic or international flight is delayed by 60 minutes or more⁴.
Westpac Altitude Rewards Black
Offer Currently Not Available
Sign-up Bonus:
Up to 160,000 bonus Altitude points
Rewards Earn Rate:
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
Annual Fee:
$200 for the first year, $295 p.a.
The Westpac Altitude Rewards Black has up to 160,000 Altitude Points, $0 Foreign Transaction Fee for the first 12 months, plus a reduced first year annual card fee on offer for new cardholders, the points can be redeemed for up to $700 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
Offer Currently Not Available
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.
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
3 February 2026
Earn 50,000 Bonus Membership Rewards Points¹ when you apply by 3 February 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.
American Express Platinum Edge
Offer Currently Not Available
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.
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
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.
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.
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.
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.
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This article went through a multi-step process led by our Editors, Financial Reviewers, Loyalty Specialists, and Compliance Advisors to ensure accuracy, clarity, and practical value for Australian travellers.
We continuously update our content to reflect:
New credit-card offers & bonus points
Changes to airline and bank reward programs
Shifts in redemption availability and points valuations
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.
Any thoughts on the NAB Rewards signature card for Krisflyer redemption?
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
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
As long as you keep transferring points to your Krisflyer before reaching the 100,000 limit you can consider this card also uncapped.
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).
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.
Any thoughts on the NAB Rewards signature card for Krisflyer redemption?
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).