KrisFlyer is a frequent flyer program of Singapore Airlines. Singapore Airlines has tied up with various card issuers so that the Reward Points earned on partner card issuers’ 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, as well as Virgin Australia, Virgin Atlantic, and several hotel chains and car rental companies. You can even use Singapore Airlines KrisFlyer Miles to book experiences and activities with Pelago.
Singapore Airlines’ partner card issuers in India include HDFC Bank, American Express, Axis Bank, and HSBC Bank. Singapore Airlines even offers its own co–branded credit cards in association with SBI Card. In this article, we’ve covered the credit cards issued by these card issuers that offer some of the highest reward rates for converting Reward Points into KrisFlyer Miles.
The KrisFlyer Miles Program by Singapore Airlines offers an exclusive opportunity to earn miles and use them to save on your travel expenses. To provide their customers with the best travel benefits, various card issuers have partnered with Singapore Airlines and offer convertible reward points to the KrisFlyer miles. With hundreds of credit cards available in the country, finding credit cards that can earn your KrisFlyer Miles might be challenging. To help you out, we are here with the list of the best credit cards to earn KrisFlyer Miles and their detailed features.
5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends
5000 EDGE Miles on Spends of ₹1,000 Within the First 30 Days of Card Issuance
Card Details +
Axis Horizon is one of the most rewarding credit cards for airline spends, including bookings made with Singapore Airlines. The card offers accelerated earnings of 5 EDGE Miles for every ₹100 spent through the Axis Travel EDGE portal or on direct airline bookings. The conversion ratio for all partners, including Singapore Airlines, is 1:1 from EDGE Miles to KrisFlyer Miles. Additional benefits include complimentary domestic and international airport lounge access with no spending criteria.
The Axis Horizon Credit Card has gotten more popular since the veteran Axis Atlas is no longer available for online application.
5 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 5 KrisFlyer/₹200 Spend Abroad
3,000 KrisFlyer Miles
Card Details +
The KrisFlyer SBI Credit Card is a mid-range co-branded card designed for frequent flyers of Singapore Airlines and its group. With a joining and annual fee of ₹2,999 + GST, the card offers 3,000 KrisFlyer miles as a welcome benefit and rewards users with 5 KrisFlyer Miles for every ₹200 spent on the Singapore Airlines Group or international transactions. It includes travel perks like a complimentary Priority Pass membership, 4 international lounge visits, 1 domestic lounge visit per quarter, and air accident cover of ₹1 crore. While it offers substantial benefits for Singapore Airlines flyers, the card does not provide rewards for fuel, utility, or wallet payments, and it lacks renewal benefits, making it most rewarding in the first year.
4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹10,000 Within 30 Days of Card Issuance
Card Details +
The HSBC TravelOne Credit Card is a premium travel-focused card that stands out for its extensive hotel and airline transfer partnerships, including Singapore Airlines KrisFlyer at a 1:1 conversion ratio. With 4 Reward Points per ₹100 spent on flights, travel platforms, and international transactions (worth ~4% back), it offers strong value for frequent travelers. Cardholders also get complimentary airport lounge access (six domestic and four international visits annually), milestone benefits, purchase protection, and discounts across leading travel, dining, and lifestyle platforms, making it a well-rounded option for those who prioritize travel rewards and flexibility.
10 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 8 KrisFlyer/₹200 Spend Abroad
10,000 KrisFlyer Miles
Card Details +
The KrisFlyer SBI Card Apex is a super-premium credit card designed for frequent flyers of Singapore Airlines, with a high joining and annual fee of ₹9,999 + GST. It offers substantial rewards, including 10,000 KrisFlyer miles as a welcome benefit and 10 KrisFlyer miles per ₹200 spent on the Singapore Airlines Group. The card provides complimentary access to 8 international and 8 domestic airport lounges annually, as well as milestone benefits like tier upgrades to KrisFlyer Elite Gold. However, it has drawbacks such as no discounted forex charges (3.5% applies) and a lack of renewal benefits, making it most rewarding in the first year.
5 Reward Points/₹150 Spent (3.33% Reward Rate)
12,500 Bonus Reward Points and Complimentary Club Marriott Membership
Card Details +
The Infinia credit card by HDFC Bank is the bank’s most premium offering. 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, and more. It comes with a high membership fee of ₹12,500 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 the 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), resulting in an effective reward rate of 3.3% (if Reward Points are redeemed for Air Miles) for the HDFC Infinia Credit Card.
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 |
| Axis Horizon | 5 EDGE Miles/₹100 Spent on Direct Airline Spends | 1 EDGE Mile = 1 KrisFlyer Mile | 5% |
| KrisFlyer SBI Card | 5 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 5 KrisFlyer/₹200 Spend Abroad | N/A | 2.5% on Spends With Singapore Airlines |
| HSBC TravelOne | 4 Reward Points/₹100 for Flights | 1 Reward Point = 1 KrisFlyer Mile | 4% |
| KrisFlyer SBI Card Apex | 10 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 8 KrisFlyer/₹200 Spend Abroad | N/A | 5% on Spends With Singapore Airlines |
| HDFC Infinia | 5 RPs/₹150 Spent | 1 Reward Point = 1 KrisFlyer Mile | 3.33% (on Redemption for AirMiles) |
Follow these steps to make a Singapore Airlines KrisFlyer account –
The KrisFlyer Miles Earned are redeemable for tons of options, and you can use the Miles in a very efficient way. The following are the redemption options for KrisFlyer Miles:
The most effective way to redeem the earned KrisFlyer Miles is to book flights while traveling. You can redeem your KrisFlyer Miles when traveling with Singapore Airlines or any other Partner airline. The minimum number of miles required to book the starting economy ticket is 7,500 KrisFlyer Miles. Also, you can use Miles to get the ticket at a lower price.
You can book flights in three ways: Online, via Chat, and by Phone.
Booking Singapore Airlines Flights –
Booking Star Alliance Partner Flights –
Booking Other Partner Airline Flights –
Booking via Chat or Phone Support
You can use your KrisFlyer Miles to book hotels at over 350,000 hotels worldwide. Also, you can use them to book hotels at Shangri-La’s Golden Circle, a partner hotel with Singapore Airlines.
When you shop from KrisShop.com, you can use your KrisFlyer Miles as a payment option. You can use the miles in full or partially (minimum 1,000 miles).
Whenever you fly with Singapore Airlines, you get KrisFlyer Miles that can be used to redeem award flights or upgrade tiers. You can even mix cash and miles to reduce the cost of expensive tickets. Apart from KrisFlyer Miles, you even get Elite Miles that help you reach higher membership tiers and get access to better privileges. You can even qualify for KrisFlyer Milestone Rewards through Elite Miles.
As you earn more and more Elite Miles, you can advance to higher membership tiers. Let’s know more about the KrisFlyer membership tiers and benefits –
When you log into the membership program, you automatically get the basic KrisFlyer tier. You can start earning miles when you take flights and even on the ground. Redeem your miles for tier upgrades, award flights, and more.
Next up is the KrisFlyer Elite Silver membership, and you need to earn 25000 Elite Miles in a 12-month period to achieve this tier. Members also get the Star Alliance Silver Tier with this. At this tier, you get all the KrisFlyer base-tier benefits and more –
You earn the KrisFlyer Elite Gold membership by earning 50,000 Elite Miles in a period of 12 months. This tier is equal to the Star Alliance Gold tier and offers everything that the Elite Silver tier offers and more –
Next up, there are two highest membership tiers, but before that, you must know about PPS Value. You can’t just qualify for the highest tiers on the basis of miles flown, and it depends on the PPS Value. The PPS Value is earned when you fly Business class, First Class, or Suites on Singapore Airlines, which are counted towards PPS Club status.
The total airfare and surcharges account for the PPS Value, and it is in Singapore Dollars. You won’t earn PPS Value if you fly in Economy or Premium Economy class.
After the KrisFlyer Gold tier, next is the PPS Club, and you will have to spend at least S$25,000 PPS Value within 12 months to qualify for this tier. This includes all the KrisFlyer Elite Gold benefits and more –
The highest membership tier is the Solitaire PPS Club, and you will need to spend a total $250,000 for 5 years consecutive period in PPS Value to qualify for this tier. This tier has all the benefits of the PPS Club and more –
KrisFlyer Miles, as mentioned above, can be redeemed for spends on Singapore Airlines’ own services or against spends on any of the Star Alliance member airlines. To get the best value of the KrisFlyer Miles accumulated in your account, you must keep in mind the following pointers-
You can earn KrisFlyer Miles in a number of ways, including traveling with partner airlines, shopping, using a credit card, and many others. To get detailed information about various ways to earn KrisFlyer, refer to the information given below:
In contrast to various frequent flyer programs, Singapore KrisFlyer miles have a fixed expiry date. Normally, the KrisFlyer Miles expire 36 months from the month they were originally earned. If you had earned Miles in November 2022, then those Miles would expire in November 2025. Even if you earn more Miles during this period, it won’t affect the expiry of the Miles that you had earned before.
When you redeem your earned miles, the Miles earned earliest are used first, and you can’t just use miles that you earned a month ago. If you transfer your credit card reward points to KrisFlyer miles, it is better to avoid transferring until you actually need the miles.
If your KrisFlyer miles are getting closer to the expiry date, you can pay to extend their validity period. You can either pay USD 12 or 1200 Miles in order to extend your KrisFlyer Miles by six months. The Miles do not expire for PPS Club members, and Elite Silver and Gold tier members can extend Miles for 12 months by making a payment.
In case of a no-show, you will have to pay cancellation fees on your award tickets –
Apart from the cancellation fee, you will have to pay for the redeposit of your miles – $50 for Advantage and $75 for Saver Award.
You can book an award ticket for anyone, and you can add up to 5 people as your redemption nominees. It will allow you to redeem miles to book award tickets or class upgrades for them.
Once you add a nominee, it is not possible to change them for six months. Also, you can add a nominee for free, but to delete one, you will have to pay with money or miles.
If you are traveling on an award or redemption ticket, you can opt not to book a ticket for your infant child below two years, and carry him on your lap. If you want your child to be seated on your lap, then you have to pay 10% of the cheapest adult ticket in the fare class for it. You cannot get an in-lap ticket for an infant via redeeming miles.
If you want to book a separate seat for your infant, then you can book it with miles, and it will cost the same as an adult award ticket.
Every credit card that is in partnership with the KrisFlyer Miles program or is a dedicated miles credit card is best for earning KrisFlyer Miles. No one card can be considered best, as the requirements of using a credit card depend on your spending habits.
The list of credit cards provided above is best for earning KrisFlyer Miles.
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 Reward Points against KrisFlyer AirMiles, as KrisFlyer Miles can be redeemed not only on Singapore Airlines but also on many other major international airlines, including Star Alliance members like Virgin Atlantic, Virgin Australia and many international hotel chains.
KrisFlyer Miles can also be used on partner platforms like Pelago, a dedicated travel booking service.
Also, apart from KrisFlyer Miles, the Reward Points earned on these credit cards can be redeemed against AirMiles on many other frequent flyer programs as well. To maximize the benefits of KrisFlyer miles, ensure that you use your credit card rewards and miles carefully and wisely, avoiding any expiration without utilization.
KrisFlyer is a frequent flyer program by Singapore Airlines. You can redeem KrisFlyer Miles not only for Singapore Airlines services, but also for spending on many other international carriers, including all Star Alliance members, Air Australia, Air Atlantic, and many premium international hotel chains.
In India, HDFC Bank, American Express, SBI Card, and HSBC Bank have Singapore Airlines as a partner airline and therefore allow conversion of Reward Points into KrisFlyer Miles.
The conversion ratio of HDFC Reward Points to KrisFlyer Miles varies depending on the HDFC Credit Card. For example, the conversation ratio in the case of Infinia, Diners Club Black METAL Cards is 1:1.
Yes, you can add up to 5 nominees to your KrisFlyer Account and transfer the Miles to them. Note that you cannot change the nominees for a span of 6 months once added.
2 comments
Anurag Chatterjee
Wrong information. I have a regalia gold and NO you cannot transfer points to krisFlyer miles. Please do your research properly next time.
Kartik Kanwar
Page has since been updated. It now even includes the new KrisFlyer co-branded credit cards.