KrisFlyer credit cards

KrisFlyer is the official frequent flyer programme of Singapore Airlines Group portfolio of airlines. Compare credit cards that will increase your KrisFlyer points from your day-to-day spending.

By   |   Verified by Kwok Zhong Li   |   Updated 3 Mar 2023

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Comparing KrisFlyer credit cards

American Express Singapore Airlines Business Credit Card

On website

Apply by 3 April 2023

American Express Singapore Airlines Business Credit Card

Rewards program


Points per $1 spent

1.8 points

Sign up bonus

40,000 points

Annual fee

$301.79 p.a. ongoing


  • Enjoy benefits worth over S$950. Get a welcome offer of 40,000 HighFlyer points worth S$380, plus a complimentary Accor Plus membership worth S$418 offering a free night’s stay every year, and up to 20,000 HighFlyer points worth S$190 when you spend with the Singapore Airlines Group. Terms and Conditions apply.
  • Earn up to 8.5 HighFlyer points per S$1 spent on eligible Singapore Airlines Group flights.
  • Earn 1.8 HighFlyer points per S$1 spent on all other eligible spend.


  • Earn generous welcome offers.
  • Enjoy Priority Pass membership with two complimentary visits per year for you and a guest.
  • Fast-track to KrisFlyer Elite Gold status with S$15,000 spent with the Singapore Airlines Group within the first 12 months.
  • Offers 51 interest-free days.
  • Flexible payment with Pay Small.


  • The annual fee of S$301.79 p.a (inclusive of 8% GST).

Learn about KrisFlyer credit cards

Our experts share their best tips for earning more KrisFlyer miles with your credit card.

  • FAQs

  • Guides

Do KrisFlyer miles expire?

Yes, unless you are in one of the top two KrisFlyer elite member tiers. For everyone else, KrisFlyer miles expire on the last day of the month, 36 months after the month in which they were credited to your miles account. The oldest miles are used first when you redeem them, so you just need to ensure that you redeem miles – for flights, seat upgrades or merchandise – at least once every three years. Your KrisFlyer account page at the Singapore Airlines website, or on your mobile app, will show how many of your miles are due to expire each month for the next six months.

An alternative option is to pay a fee (currently $US12 per 10,000 expiring miles) to extend their validity for six months (12 months for higher status members), or sacrifice 1,200 miles per 10,000 expiring miles to receive the same extension. You could also consider transferring the points to another air miles membership (such as Virgin Australia’s Velocity) if you have one that accepts KrisFlyer miles as a conversion option.

How can I redeem KrisFlyer miles?

Firstly, you’ll need to be a KrisFlyer member, so that the KrisFlyer miles you earn with your credit card can be deposited into your miles account. Then you can redeem them for award tickets and seat upgrades with Singapore Airlines and its Star Alliance and other partners. At you can also pay the balance in cash if you don’t have quite enough miles for your chosen flight. You can also choose to pay with miles, or with a mix of miles and cash, for over 2,000 products (fashion, electronics, homewares, etc) at

How many KrisFlyer miles can I earn using a KrisFlyer miles credit card?

It depends on how much you spend and on the card’s earning rate per dollar (e.g.. 1.1 KrisFlyer miles per dollar spent on eligible purchases). Some cards also award welcome bonus miles to new cardmembers who spend a target amount within a specified period (e.g. 7,500 bonus miles for spending $5,000 in the first three months after card approval). You may also be able to earn bonus miles for referring a friend who is successfully approved for a KrisFlyer credit card account.

How much do KrisFlyer credit cards cost in terms of the annual fee?

Again, this varies depending on the card, but the range is roughly $175-$350 p.a. Cards with a larger annual fee tend to have a higher miles earning rate per dollar and more attractive complimentary benefits. Some cards waive or discount the annual fee during the first year. The value of the KrisFlyer miles you can earn, plus the complimentary benefits, will usually be well in excess of the cost of the annual fee. So you should come out ahead each year if you use your card at every opportunity, and make full use of the attached benefits.

What are the benefits of having a KrisFlyer credit card?

There are lots of benefits, including:

  • You earn KrisFlyer miles on all your eligible credit card purchases (basically everything except cash equivalents like balance transfers, cash withdrawals and purchases of foreign currency).
  • You earn KrisFlyer miles directly, avoiding the hassle of having to convert other types of rewards points into KrisFlyer miles.
  • KrisFlyer cardholders can take advantage of other benefits attached to the card, such as free or discounted travel insurance, savings at selected restaurants and airport lounge access (benefits vary depending on which card you choose).

What are the eligibility requirements for a KrisFlyer credit card?

Eligibility requirements vary from card to card, but as a general rule you need to be at least 21 years old with an annual income of at least $30,000 for Singaporeans (or a fixed deposit collateral of $10,000), or at least $40,000 p.a. for foreigners (or a fixed deposit collateral of ($10,000).