By Ankur Mittal
Updated On September 22, 2021

KrisFlyer is a frequent flyer program by Singapore airlines. Singapore Airlines has tied up with various card issuers so that the Reward Points earned on partner card issuer’s credit cards can be converted into KrisFlyer Miles. KrisFlyer Miles can be redeemed on Singapore Airlines’ own services and partner airlines which include all Star Alliance members, Virgin Australia, Virgin Atlantic, and a number of hotel chains and car-hire companies.
Singapore Airlines’ partner card issuers in India include HDFC Bank, Citi Bank, American Express and HSBC Bank. In this article, we’ve covered those credit cards by these card issuers that offer some of the highest reward rates on conversion of Reward Points into KrisFlyer Miles.

HDFC Bank Infinia Credit Card:

Invite Only

Welcome Benefits

10,000 bonus Reward Points and Complimentary Club Marriott membership for first year.

Rewards Rate

5 Reward Points for every Rs. 150 spent,  reward rate of up to 3.3%

Joining Fees

Rs. 10,000 (plus applicable taxes)

Infinia credit card by HDFC Bank is the most premium offering by the bank. The card is invite-only and offers some of the best in class benefits and privileges including a 24×7 dedicated concierge service, unlimited airport lounge access, travel insurance benefits, etc. and comes with a high membership fee of Rs. 10,000 per annum.

Infinia Credit Card earns you 5 Reward Points for every Rs. 150 spent which can be converted into AirMiles via net banking on one of partner airlines’ loyalty programs. Since Singapore Airlines is one of HDFC’s partners, you can convert the Reward Points earned on your HDFC Infinia Credit Card into KrisFlyer Miles. 100 Reward Points = 100 KrisFlyer Miles (1:1 conversion ratio), making the effective reward rate of HDFC Infinia Credit Card 3.3% (if Reward Points are redeemed against Air Miles).

Reward Points Earning Rate 5 RPs per Rs. 150 spent
Miles Conversion 100 RP = 100 Miles (1:1 ratio)
Effective Reward Rate (for redemption against Miles) 3.33% (on redemption against AirMiles)

HDFC Bank Diners Club Black Credit Card:

HDFC Bank Diners Club Black Credit Card

Welcome Benefits

Complimentary Club Marriott, Amazon Prime, Zomato Gold, Forbes, Times Prime, and MMTDOUBLEBLACK memberships for a year.

Rewards Rate

5 Reward Points for every Rs. 150 spent (reward rate of up to 3.3%), accelerated Reward Points on SmartBuy

Joining Fees

Rs. 10,000 (plus applicable taxes)

The Diners Club Black Credit Card by HDFC Bank is the second most premium offering by the bank after the Infinia Card. Unlike Infinia, although Diners Club Black Card is not invite-only, it does, however, come with quite strict eligibility criteria (minimum gross monthly income of Rs. 1.75 lakh) and a membership fee of Rs. 10,000 per annum.

The reward rate of both Infinia and Diners Club Black Credit Cards is the same (5 Reward Points per Rs. 100 spent). The Reward Points earned can be converted into KrisFlyers Miles via net banking. 100 RP = 100 KrisFlyer Miles (conversion ratio 1:1). Thus the effective reward rate of Diners Club Black Credit Card also becomes 3.33% (same as Infinia).

Reward Points Earning Rate 5 RPs per Rs. 150 spent
Miles Conversion  100 RP = 100 Miles (1:1 conversion ratio)
Effective Reward Rate (for redemption against Miles) 3.33% (on redemption against AirMiles)

HDFC Bank Regalia Credit Card:

HDFC Bank Regalia Credit Card

Welcome Benefits

2,500 Reward points

Rewards Rate

4 reward points on every spend of Rs. 150.

Joining Fees

Rs. 2,500 (plus applicable taxes)

Regalia Credit Card by HDFC Bank is a lifestyle credit card and offers a decent reward rate on almost all categories of spends. The card comes with an annual membership fee of Rs, 2,500 and you must have a minimum gross monthly income of Rs. 70,000 to be eligible for the Regalia Credit Card.

Regalia Credit Card earns you 4 Reward Points per Rs. 150 spent with the card. For conversion against AirMiles (including KrisFlyer Miles), 200 Reward Points = 100 Miles (conversion ratio 2:1) making the effective reward rate 1.33% (for redemption against AirMiles).

Reward Points Earning Rate 4 RPs per Rs. 150 spent
Miles Conversion  200 RP = 100 Miles (2:1 conversion ratio)
Effective Reward Rate (for redemption against Miles) 1.33% (on redemption against AirMiles)

HDFC Bank Diners Club Premium Credit Card:

HDFC Bank Diners Club Premium Credit Card

Welcome Benefits

2,500 bonus Reward Points

Rewards Rate

4 Reward Points on every retail spend of Rs. 150. Savings of up to 1.3% on all your spends through this card

Joining Fees

Rs. 2,500 (plus applicable taxes)

Diners Club Premium Credit Card by HDFC Bank is a mid-level offering by the bank. The card comes with a membership fee of Rs. 2,500 (plus GST). The benefits that you get with the Diners Club Premium Credit Card include complimentary lounge access at airports worldwide, a lower mark-up fee of just 2% on foreign currency transactions and multiple travel-related insurance benefits including a personal air accident cover worth Rs. 1 crore.

HDFC Diners Club Premium Credit Card earns you 4 Reward Points per Rs. 150 spent (Reward Points earning rate of 2.67%). For redemption of HDFC Reward Points against KrisFlyer Miles, 1 Reward Point = 0.5 KrisFlyer Mile. Thus, the reward rate of HDFC Diners Club Premium Credit Card, for redemption against KrisFlyer Miles is 1.33%.

Reward Points Earning Rate 4 RPs per Rs. 150 spent
Miles Conversion  1 RP = 0.5 Mile (2:1 conversion ratio)
Effective Reward Rate (for redemption against Miles) 1.33% (on redemption of Reward Points against KrisFlyer Miles)

HDFC Bank Diners Club Miles Credit Card:

HDFC Bank Diners Club Miles

Welcome Benefits

1,000 Reward Points on paying the annual membership fee.

Rewards Rate

4 Reward Points on spending Rs. 150

Joining Fees

Rs. 1,000 (plus applicable taxes)

HDFC Diners Club MIles Credit Card is an entry-level travel credit card by HDFC Bank. The card comes with a membership fee of Rs. 1,000 and offers plenty of attractive travel benefits including complimentary (limited) domestic and international airport lounge access, 24×7 concierge service, travel insurance benefits, etc.

HDFC Diners Club Miles Credit Card earns you 4 Reward Points per Rs. 150 spent with the card (Reward Points earning rate of 2.67%). For redemption against AirMIles, 1 Reward Point = 1 AirMile (conversion ratio of 1:1). Thus, the effective reward rate of HDFC Diners Club Miles Credit Card, on redemption of Reward Points against KrisFlyer Miles comes out to be 2.67%.

Reward Points Earning Rate 4 RPs per Rs. 150 spent
Miles Conversion  1 RP = 1 KrisFlyer Mile (1:1 conversion ratio)
Effective Reward Rate (for redemption against Miles) 2.67% (on redemption of Reward Points against KrisFlyer Miles)

Citi Prestige Credit Card:

Citi Prestige Credit Card

Welcome Benefits

2,500 bonus reward points and a benefit worth Rs. 10,000 from ITC hotels or the Taj group.

Rewards Rate

1 Reward Points for every Rs. 100 on domestic spends, 2 Reward Points for every Rs. 100 on international spends.

Joining Fees

Rs. 20,000 (plus applicable taxes)

The Prestige Credit Card by Citibank is a super-premium credit card. The membership fee of this card is Rs. 20,000 per annum and it comes with a plethora of benefits and privileges (travel benefits in particular) including complimentary gift vouchers from premium hotel chains like Taj Hotels and ITC Hotels, a complimentary extra night stay at hotels worldwide, unlimited complimentary domestic and international airport lounge access with Priority Pass membership, fast track priority immigration at select airports and a high conversion rate of Reward Points into AirMiles (1 Reward Point = 4 Airmiles). Since Singapore Airlines is one of Citibank’s partner airlines, you can convert the Reward Points earned on your Citi Prestige Credit Card into Krisflyer Miles.

As far as the card’s reward rate is concerned, you earn 1 Reward Point per Rs. 100 on domestic spends and 2 Reward Points per Rs. 100 on international spends with the Citi Prestige Credit Card. Considering the Reward Points earning rate on international spends and the Miles conversion ratio of 1:4, the effective reward rate of Citi Prestige Credit Card becomes 8%.

Reward Points Earning Rate 2 Reward Points per Rs. 100 on international spends and 1 Reward Point per Rs 100 on domestic spends
Miles Conversion  1 RP = 4 Miles (1:4 conversion ratio)
Effective Reward Rate (for redemption against Miles) 8% (considering the Reward Points earning rate on international spends)

Citi PremierMiles Credit Card:

Citibank PremierMiles Credit Card

Welcome Benefits

10,000 Miles on the spends of Rs. 1,000 or more in the first 2 months of card issuance.

Rewards Rate

10 Miles/Rs. 100 spent for airline transactions and 4 Miles/Rs. 100 spent for all other transactions.

Joining Fees

Rs. 3,000 (plus applicable taxes)

Citi PremierMiles Credit Card is one of the best travel cards in the Indian market. It is a mid-level credit card and comes with a membership fee of Rs. 3,000 (plus GST) per annum. You earn Miles as rewards on Citi PremierMiles Credit Card. The Miles earned on Citi Premier Miles Credit Card are transferable to partner airlines’ frequent flyer programs and partner hotel loyalty programs. As Singapore Airlines is one Citibank’s partner airlines, you can convert the Miles earned on your Citi PremierMIles Credit Card into Krisflyer Miles (1 Citibank Mile = 0.5 Krisflyer Mile. conversion ratio of 2:1).

PremierMIles Credit Card earns you 10 Miles per Rs. 100 spent on Airline transactions and 4 Miles per Rs. 100 spent on all other transactions. Considering the Miles earning rate on international transactions and Miles conversion ratio of 2:1, the effective reward rate on Citibank Premier Credit Card is 5%, i.e. you can get 5 KrisFlyer Miles on spending Rs. 100 with your Citibank PremierMiles Credit Card.

Reward Points Earning Rate 10 Miles per Rs. 100 on airline spends and 4 MIles per Rs. 100 on all other spends
Miles Conversion  1 (Citibank) Mile = 0.5 KrisFlyer MIle (2:1 conversion ratio)
Effective Reward Rate (for redemption against KrisFlyer Miles) 5% (considering the Citibank Miles earning rate on airlines spends)

American Express Platinum Credit Card:

American Express Platinum Card

Welcome Benefits

1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.

Rewards Rate

1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.

Joining Fees

Rs. 60,000 (plus applicable taxes)

The Platinum Credit Card is a super-premium offering by American Express. It comes with a membership fee of Rs. 60,000 per annum, which is one of the highest in the country. As it is a super premium credit card, it comes with a plethora of best in class privileges including unlimited complimentary domestic and international airport lounge access, travel-related insurance benefits, discounts at premium hotel chains like Taj, SeleQtions, Vivanta, etc., 24×7 global concierge service and many other premium benefits.

American Express Platinum Credit Card earns you 1 Membership Rewards Point per Rs. 40 spent with the card, 3X Membership Rewards Points on all spends abroad and 5X Membership Rewards Points on the American Express Reward Multiplier Portal. The Membership Rewards Points on your AmEx Platinum Credit Card can be redeemed against AirMiles of partner airlines’ frequent flyer programs including KrisFlyer Miles. 2 Membership Rewards Points = 1 KrisFlyer Mile (conversion ratio of 2:1). Thus the reward rate of American Express Platinum Creedit Card, on redemption against KrisFlyer Miles comes out to be 1.25%.

Reward Points Earning Rate 1 Membership Rewards Point per Rs. 40
Miles Conversion  2 Membership Rewards Points = 1 KrisFlyer Mile
Effective Reward Rate (for redemption against Miles) 1.25% (considering the reward rate on redemption against KrisFlyer Miles)

American Express Platinum Travel Credit card:

American Express Platinum Travel Credit Card

Welcome Benefits

10,000 Membership Rewards Points

Rewards Rate

2 Membership Rewards Points for every Rs. 100 spent.

Joining Fees

Rs. 3,500 (plus applicable taxes)

American Express Platinum Travel Credit Card is a premium travel card by American Express. The card comes with a membership fee of Rs. 3,500 per annum, and being a travel credit card, offers many travel benefits to the customers including complimentary (limited) domestic and international airport lounge access, gift vouchers from premium hotel chains like Taj, SleQtions and Vivanta on achieving the stipulated spends based milestones, etc.

American Express Platinum Travel Credit Card earns you 1 Membership Rewards Point per Rs. 50 spent with the card and accelerated 3X Membership Rewards Points on the Reward Multiplier portal. Like other AmEx cards, the Membership Rewards Points earned on the Platinum Travel Credit Card can be transferred to the KrisFlyer loyalty program as Singapore Airlines is one of American Express partner airlines. 2 Membership Rewards Points = 1 KrisFlyer Mile (conversion ratio of 2:1). The reward rate of American Express Platinum Credit Card on redemption against KrisFlyer Miles is 1%.

Reward Points Earning Rate 1 Membership Rewards Points per Rs. 50
Miles Conversion  2 Membership Rewards Points = 1 KrisFlyer Mile
Effective Reward Rate (for redemption against Miles) 1% (on redemption of Membership Rewards Points against KrisFlyer Miles)

American Express Gold Credit Card:

American Express Gold Card

Welcome Benefits

4,000 Bonus Membership Rewards Points

Rewards Rate

1 Membership Rewards Point for every Rs. 50 spent with the card,  5X Membership Rewards Points on Rewards Multiplier Portal

Joining Fees

Rs. 1,000 (plus applicable taxes)

American Express Gold Credit Card is a mid-level lifestyle credit card by American Express. The card comes with a joining fee of Rs. 1,000 and a membership fee of Rs. 4,500 is payable second year onwards. You get plenty of benefits and privileges with the card like discounted rates on flight and hotel bookings, bonus Membership Rewards Points as Milestone Benefits, discounts on dining bills at select premium restaurants, etc with the card.

American Express Gold Credit Card earns you 1 Membership Rewards Point per Rs. 50 spent and 5X  Membership Rewards Points on Reward Multiplier. The Membership Rewards Points earned on AmEx Gold Credit Card can be transferred to Singapore Airlines’ KrisFlyer loyalty program. The conversion ratio of Membership Rewards Points to KrisFlyer Miles is 2:1, i.e. 2 Membership Rewards Points = 1 KrisFlyer Mile. Therefore, the effective reward rate of American Express Gold Credit Card is 1% on redemption of the Membership Rewards Points against KrisFyer Miles.

Reward Points Earning Rate 1 Membership Rewards Points per Rs. 50 spent
Miles Conversion  2 Reward Points = 1 KrisFlyer Mile
Effective Reward Rate (for redemption against Miles) 1% (on conversion of Membership Rewards Points into KrisFlyer Miles)

HSBC Premier MasterCard Credit Card:

HSBC Premier MasterCard Credit Card

Welcome Benefits

Complimentary Epicure membership and one night stay at Taj hotels.

Rewards Rate

2 Reward Points for every Rs. 100 spent using the card.

Joining Fees

Nil

HSBC Premier MasterCard Credit Card is a premium credit card by HSBC bank exclusively offered for those HSBC customers who maintain Premier relationship with HSBC in India. The card comes with a plethora of benefits and privileges including complimentary (limited) domestic and international airport lounge access, complimentary rounds of golf at some of the premium golf destinations in the country, travel-related insurance benefits, etc. HSBC Premier Credit Card is complimentary for HSBC Premier customers.

You earn 2 Reward Points for every Rs. 100 spent with HSBC Premier MasterCard Credit Card, and as Singapore Airlines is one of HSBC’s partner airlines, you can transfer the Reward Points earned on your HSBC Premier MasterCard Credit Card to the KrisFlyer loyalty program (2 Reward Points = 1 KrisFlyer Mile, conversion ratio of 2:1). Therefore, the effective reward rate of HSBC Premier MasterCard Credit Card, on converting the Reward Points into KrisFlyer Miles is 1%.

Reward Points Earning Rate 2 Reward Points per Rs. 100 spent
Miles Conversion  2 Reward Points = 1 KrisFlyer Mile
Effective Reward Rate (for redemption against Miles) 1% (on conversion of Reward Points into KrisFlyer Miles)

HSBC Visa Platinum Credit Card:

HSBC Visa Platinum Credit Card

Welcome Benefits

Amazon Voucher worth Rs. 500, 3 complimentary lounge access/3 meal vouchers, 50% discount (up to Rs.100) on the first transaction on google pay, and 10% cashback (upto Rs. 2,000).

Rewards Rate

Earn 2 reward points on every Rs. 150 spent on this card.

Joining Fees

Nil

HSBC Visa Platinum Credit Card is one of the entry-level credit cards by HSBC Bank. You earn 2 Reward Points for every Rs. 150 spent with the card (Reward Points earning rate of 1.33%). The Reward Points earned on HSBC Visa Platinum Credit Card can be redeemed for AirMIles on various Airlines’ loyalty programs. For redemption against KrisFlyer Miles, 2 Reward Points = 1 KrisFlyer Mile. Therefore, the effective reward rate of HSBC Visa Platinum Credit Card, on redemption of Reward Points for Krisflyer Miles comes out to be 0.67%.

Reward Points Earning Rate 2 Reward Points per Rs. 150 spent
Miles Conversion 2 Reward Points = 1 KrisFlyer Mile
Effective Reward Rate (for redemption against Miles) 0.67% (on conversion of Reward Points into KrisFlyer Miles)

For a quick reference, here is a comparison of the various credit cards that allow conversion of Reward Points into KrisFlyer Miles-

Credit Cards Reward Points Earning Rate Miles conversion Effective Reward Rate (for conversion of Reward Points into KrisFlyer Miles)
HDFC Bank Infinia Credit Card 5 RPs per Rs. 150 spent 100 RP = 100 Miles (1:1 ratio) 3.33% (on redemption against AirMiles)
HDFC Bank Diners Club Black Credit Card 5 RPs per Rs. 150 spent 100 RP = 100 Miles (1:1 conversion ratio) 3.33% (on redemption against AirMiles)
HDFC Bank Regalia Credit Card 4 RPs per Rs. 150 spent 200 RP = 100 Miles (2:1 conversion ratio) 1.33% (on redemption against AirMiles)
HDFC Bank Diners Club Premium Credit Card 4 RPs per Rs. 150 spent 1 RP = 0.5 Mile (2:1 conversion ratio) 1.33% (on redemption of Reward Points against KrisFlyer Miles)
HDFC Bank Diners Club Miles Credit Card 4 RPs per Rs. 150 spent 1 RP = 1 KrisFlyer Mile (1:1 conversion ratio) 2.67% (on redemption of Reward Points against KrisFlyer Miles)
Citi Prestige Credit Card 2 Reward Points per Rs. 100 on international spends and 1 Reward Point per Rs 100 on domestic spends 1 RP = 4 Miles (1:4 conversion ratio) 8% (considering the Reward Points earning rate on international spends)
Citi PremierMiles Credit Card 10 Miles per Rs. 100 on airline spends and 4 MIles per Rs. 100 on all other spends 1 (Citibank) Mile = 0.5 KrisFlyer MIle (2:1 conversion ratio) 5% (considering the Citibank Miles earning rate on airlines spends)
American Express Platinum Credit Card 1 Membership Rewards Point per Rs. 40 2 Membership Rewards Points = 1 KrisFlyer Mile (2:1 conversion ratio) 1.25% (considering the reward rate on redemption against KrisFlyer Miles)
American Express Platinum Travel Credit card 1 Membership Rewards Points per Rs. 50 2 Membership Rewards Points = 1 KrisFlyer Mile (2:1 conversion ratio) 1% (on redemption of Membership Rewards Points against KrisFlyer Miles
American Express Gold Credit Card 1 Membership Rewards Points per Rs. 50 spent 2 Reward Points = 1 KrisFlyer Mile (2:1 conversion ratio) 1% (on conversion of Membership Rewards Points into KrisFlyer Miles)
HSBC Premier MasterCard Credit Card 2 Reward Points per Rs. 100 spent 2 Reward Points = 1 KrisFlyer Mile (2:1 conversion ratio) 1% (on conversion of Reward Points into KrisFlyer Miles)
HSBC Visa Platinum Credit Card 2 Reward Points per Rs. 150 spent 2 Reward Points = 1 KrisFlyer Mile (2:1 conversion ratio) 0.67% (on conversion of Reward Points into KrisFlyer Miles)

Bottom Line:

If you are a frequent international flyer, it is certainly worthwhile to consider one of these credit cards that offer a high reward rate on redemption of Rewrd Points against KrisFlyer AirMiles as KrisFlyer Miles can be redeemed not only on Singapore Airlines, but also on many other major international careers including Star Alliance member Airlines, Virgin Atlantic and Virgin Australia and many international hotel chains. Also, apart from KrisMiles, the Reward Points earned on these credit cards can be redeemd against AirMIles on many other frequent flyer programs as well.

FAQs:

KrisFlyer is a frequent flyer program by Singapore Airlines. You can redeem KrisFlyer Miles not only for Singapore Airlines services, but also for spends on many other international careers including all Star Alliance members, Air Australia, Air Atlantic, and many premium international hotel chains.

In India, HDFC Bank, American Express, Citibank and HSBC Bank have Singapore Airlines as a partner airline and therefore allow conversion of Reward Points into KrisFlyer Miles.

You don’t directly earn KrisFlyer Miles on any of the Citibank Credit Cards, however the Reward Points/Miles earned on Citi Prestige Credit Card and Citi PremierMiles Credit Card can be transferd to Singapore Airlines’ KrisFlyer loyalty program.

The conversation ratio of HDFC Reward Points into KrisFlyer Miles is different for different HDFC Credit Cards. For example, the conversation ratio in case of Infinia, Diners Club Black and Diners Club Miles Credit Cards is 1:1, in case of Regalia and Diners Club Premium Credit Cards, it is 2:1

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