Best Credit Cards To Earn KrisFlyer Miles In India

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).

The Axis Bank Magnus Credit Card is a super-premium credit card offered by Axis Bank. The Magnus Card is a reward points-based car that offers great travel benefits, including complimentary airport lounge access and travel-related insurance covers. It also provides many other benefits including 24×7 dedicated concierge services, Discounted stays at Oberoi Hotels, and much more.
The Magnus card earns you up to 12 Axis EDGE REWARD Points for every Rs. 200 spent. The EDGE Points earned can be converted into KrisFlyers Miles, where 5 EDGE REWARD Points = 4 KrisFlyer miles (Ratio 5:4), and therefore the effective reward rate of the Magnus credit card becomes 4.8%.

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).

The Axis Bank SELECT Credit Card is a premium credit card offered by Axis Bank and offers great reward points for every spend. The card offers great benefits where you can enjoy complimentary access to airport lounges. You also get other benefits with the card including, complimentary golf rounds every year, 24×7 concierge services, and much more.
The SELECT card earns you up to 20 Axis EDGE Points per Rs. 200 spent. These EDGE Points earned are convertible into KrisFlyers Miles, where 10 EDGE REWARD Points = 1 KrisFlyer mile (Ratio 10:1), and the effective reward rate of the SELECT credit card becomes 0.5%.

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).

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%.

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%.

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.

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%.

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%.

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%.