Best credit cards for earning Singapore Airlines KrisFlyer miles

Best credit cards for earning Singapore Airlines KrisFlyer miles

Singapore Airlines’ KrisFlyer frequent flyer scheme is a favourite among savvy spenders, particularly for using miles to fly in business class or even first class to Singapore and beyond.

Earning those miles in Australia couldn’t be easier, thanks to a range of KrisFlyer-earning credit cards from banks including American Express Australia, Diners Club, St. George and Westpac. Australian Business Traveller highlights five of your best options, along with what you’ll pay in annual fees.

1. American Express Explorer, Business Explorer cards

Slip a personal American Express Explorer Card or the Business Explorer Card into your wallet to reel in two Membership Rewards Gateway points per dollar spent on most charges, equal to 1.5 KrisFlyer miles. There’s a $395 annual fee to pay, but that’s more than offset by a $400 travel credit for personal cardholders that can be used towards flights and hotels, or a yearly Business Loyalty Bonus equal to 37,500 KrisFlyer miles for eligible business spenders.

Apply for the personal card and spend at least $1,500 within the first three months – or apply for the business card and charge at least $3,000 within the first three months – to earn an added bonus of 100,000 Gateway points: worth 75,000 KrisFlyer miles! Primary cardholders also enjoy two visits to the American Express Sydney Airport Lounge every year, regardless of which airline they’re flying.

2. American Express Business Accelerator Card

If you have an ABN, you could instead pocket up to two Membership Rewards Ascent points per dollar spent on the American Express Business Accelerator Card – equal to two KrisFlyer miles – in return for a $160 annual fee.

After accruing 100,000 points in a single calendar year (from $50,000 in spend), the earning rate decreases to one KrisFlyer mile per dollar on all future transactions, except on insurance, utility and government payments which always earn the equivalent of 0.5 KrisFlyer miles per dollar.

3. American Express Platinum, Business Platinum and Platinum Edge Cards

The personal American Express Platinum Card, American Express Business Platinum Card and the American Express Platinum Edge Card deliver the equivalent of 1 KrisFlyer mile per dollar spent on most everyday charges, but offer double and even triple points with certain businesses, depending on where you spend the most.

Earn 3 KrisFlyer miles per dollar spent at Australian restaurants and 2 KrisFlyer miles per dollar spent with airlines, hotels and when overseas via the AMEX Platinum Card, or 3 KrisFlyer miles per dollar spent at major supermarkets and 2 KrisFlyer miles per dollar spent at major petrol stations through the AMEX Platinum Edge Card.

Business owners can instead earn 2 KrisFlyer miles per dollar on restaurant, airline, hotel, advertising, courier and computer equipment spend via the Business Platinum Card, while all three cards provide 0.5 KrisFlyer miles per dollar spent on government, utility and insurance payments, with the Platinum Card attracting a $1,200 annual fee, the Business Platinum Card a $1,500 annual fee and the Platinum Edge Card a $195 annual fee.

4. Westpac Altitude Black American Express with World Mastercard

Whip out Westpac’s Altitude Black American Express card to earn 2.5 Altitude Rewards points per dollar spent, equal to 1 KrisFlyer mile, or swipe the Altitude Black World Mastercard to net 1.25 Altitude points (0.5 KrisFlyer miles) per dollar spent.

A single $395 annual fee covers both cards – currently reduced to $195 in the first year – with 80,000 bonus Altitude Rewards points (equal to 32,000 KrisFlyer miles) also on the table for eligible new customers who apply by October 26 2017 and spend at least $5,000 on eligible purchases within 90 days of card approval.

5. Diners Club personal charge card with World Mastercard

Diners Club isn’t as widely welcome as American Express, but if you do transact where Diners is accepted, you’ll score two Diners Club Rewards points per dollar spent: equal to 1 KrisFlyer mile (2:1 conversion) via the Diners Club personal charge card with an attached World Mastercard.

When required, that MasterCard also pulls in 0.75 Diners Club Rewards points per dollar charged – equal to 0.375 KrisFlyer miles – while a single $299 annual fee covers both cards.

Honourable mention: St. George Amplify Signature Visa

AMEX and Diners Club cards are naturally your best bets for earning KrisFlyer miles, but for those times where Visa or Mastercard are more welcome, the St. George Amplify Signature Visa is hard to beat: pumping out 0.825 KrisFlyer miles per dollar spent, uncapped.

You'll start by earning 1.5 Amplify points per dollar spent – equal to 0.75 KrisFlyer miles after a 2:1 conversion – but will also pick up a 10% 'birthday bonus' on your yearly points haul every time your birthday month rolls around, giving you an all-out total of 0.825 miles per dollar spent.

Also up for grabs are 60,000 bonus Amplify points (30,000 KrisFlyer miles) when you apply by September 20 2017 and spend at least $3,000 on the card within 90 days of approval, plus 30,000 bonus Amplify points (15,000 KrisFlyer miles) in the second year when you pay the $279 annual card fee once more.

Chris Chamberlin

Chris Chamberlin (ChrisCh)

[email protected] / @ChamberlinChris

Australian Business Traveller journalist Chris Chamberlin lives by the motto that a journey of a thousand miles begins with a single step, a great latte, a theatre ticket and a glass of wine!


  • wnka86


    25 Jul, 2017 12:43 pm

    Chirs: How about the discontinued Singapore Airlines Westpac American Express & Visa credit cards? Are they still relevant as I still holds them.
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  • Chris Chamberlin


    25 Jul, 2017 01:34 pm

    We don't cover credit cards which are no longer available to new applicants, because if you have the product you'll already be familiar with it, and if you don't, you can't apply for it anyway.

    That said, AMEX Explorer offers more KrisFlyer miles per dollar on everyday spend than the discontinued Westpac KrisFlyer AMEX (1.5/$1 on Explorer vs 1.25/$1 on WBC), so while the Westpac AMEX is still a reasonable way to earn KrisFlyer miles (and trumps many others), it's not the highest-earning card.

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  • pwl


    31 Jul, 2017 05:39 pm

    I've been an AMEX cardholder for 20 years & so don't get access to any of these deals :-/
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  • Chris Chamberlin


    31 Jul, 2017 05:59 pm

    We've ranked the results based on the number of miles earned per dollar spent (rather than any sign-on bonus), so in that respect, there's nothing stopping you from taking advantage of these top KrisFlyer earners, nor the Westpac or St. George sign-up offers should you qualify and so choose.

    (If you already have an AMEX-issued AMEX, however, you may not receive the various sign-on bonuses but could still earn points at the rates above when spending on the card.)
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  • PeteG


    1 Aug, 2017 11:00 am

    Thanks Chris,
    My wife is the primary card holder with our Velocity Amex and I'm a secondary card holder.
    If I apply for an American Express Explorer as primary card holder, will I get the bonus points?
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  • edathome


    9 Aug, 2017 04:53 pm

    Good question . I would like to know the answer to that one
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  • *maestro*


    10 Aug, 2017 06:40 pm

    Dear Chris, thank you for ALL your work! It is really appreciated! A quick question, what about the ANZ Rewards Black card? It doesn't fit inside this list? Maybe I'm missing something? Apologies if I am!
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  • Chris Chamberlin


    11 Aug, 2017 09:25 am

    Hi Maestro, this is a list of the top five KrisFlyer-earning credit cards in the market (plus a mention of the top-earning 'non-AMEX/Diners' card), not a complete listing of KrisFlyer-earning cards.

    The ANZ Rewards Black Visa earns 2 ANZ Rewards points per dollar spent (up to $5,000 per month) - so with the bank's 3:1 conversion rate to KrisFlyer, that's equal to 0.66 KrisFlyer miles per dollar spent.
    No member give thanks

  • *maestro*


    12 Aug, 2017 09:31 pm

    Dear Mr Chamberlin, thank you very much for your reply and for everything you do on this site. It is VERY much appreciated. In fact, from your work in this article, I just ordered a new card! You make a difference :)
    No member give thanks


19 Dec, 2017 07:21 am


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