Compare Singapore Airlines reward cards
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1 in 3 Aussies don’t know their credit card interest rate, do you?
New research from Defence Bank has found that one in three (35 per cent) of credit card holders don’t know their interest rate. If you’re constantly being stung by credit card interest, it may be worth considering switching to a low-rate credit card.
If you’re a frequent traveller, then you may benefit from choosing a rewards credit card – especially one that offers the ability to earn airline points. However, as with any credit card, there are always things to consider.
What are credit card rewards?
Credit card rewards are incentives or extra benefits that come with your card. They can be anything from travel benefits, complimentary insurances, priority service, points earned on spend or shopping rewards. One of the main types of rewards is the ability to earn airline points, such as Singapore Airlines points.
What are Singapore Airlines points?
Singapore Airlines points are benefits earned when you travel on Singapore Airlines or one of their partners. You can also earn points on eligible purchases made on your credit card (if your card is affiliated with the Singapore Airlines rewards program).
Airline points can be redeemed for free flights, travel upgrades and a variety of other deals across Singapore Airlines and their airline partners.
Which credit cards offer Singapore Airlines points?
Several financial institutions offer credit cards with a Singapore Airlines rewards program, including ANZ and American Express. Visit a comparison website or talk to a professional to see which credit card is right for you.
How many airline partners does Singapore Airlines have?
Singapore Airlines has 31 airline partners, including Virgin Australia, Virgin America, JetBlue, Alaska Airlines, SilkAir and Vistara.
How do you earn Singapore Airlines points?
Points can be earned in a number of ways:
- Accruing ‘airline miles’ on Singapore Airlines flights
- Accruing ‘airline miles’ on their eligible partner airlines
- On eligible purchases made on your credit card, e.g. hire cars or accommodation booked at one of Singapore Airlines’ hotel partners.
Earning miles on eligible Singapore Airlines and SilkAir flights:
You can earn points simply by travelling on an eligible Singapore Airlines and SilkAir flights. You’ll earn points in the form of ‘miles’, and how much you earn depends on your booking class and the distance travelled (e.g. a first class passenger flying 10 hours will earn more miles than a business class passenger flying three hours).
To claim your air miles, all you need to do is quote your flight number when reserving a flight and present your credit card at check-in.
What are the benefits of having a credit card with Singapore Airlines points?
- The ability to earn miles every time you fly on an eligible Singapore Airlines or partner airline flight – regardless of your booking status (economy, business or first class).
- On higher tiers of the rewards program, you can enjoy benefits across all of Singapore Airlines’ partners: Virgin Australia, Virgin America, JetBlue, Alaska Airlines, SilkAir, Vistara and many more.
- Priority reservation waitlist: if you’re waitlisted for a busy flight, you’ll get priority.
- Priority airport standby: if you need to take a last-minute flight, you’ll get priority.
- Some travel service fees can be waived or reduced.
- Increased check-in baggage allowance, at no extra cost.
- Priority boarding.
- Complimentary lounge access at a range of worldwide airports.
What can you redeem Singapore Airlines points for?
Free flights: Fancy a free flight? You can redeem Singapore Airlines points for a free flight with Singapore Airlines, SilkAir and their eligible partner airlines. Note: as with most frequent flyer programs, you will still need to pay taxes, fuel surcharges and fees in addition to your ‘free flight’.
Upgraded fares: If you feel like flying in style, you can use your points to upgrade from economy to business class or business class to first class. This also applies to most airline partners.
Rewards: If you’re eyeing off a reward (such as new luggage), you can use your points to purchase it. And if you’re short of the points required, you can pay the difference (as long as you have at least 50 per cent of the points).
Rewards for nominated family members: Feel like treating a loved one? You can also nominate a family member to use your points for a reward.
Where does Singapore Airlines fly to?
Singapore Airlines flies to over 60 international destinations across 30 countries. The airline’s primary hub is in Singapore, and countries they fly to include Australia, India, Hong Kong, Japan, Malaysia, New Zealand, Beijing and most key destinations in Europe.
What are the pros of credit card rewards?
- The rewards. Rewards, naturally, are the main attraction of a rewards credit card. Whether you want to use points for shopping and merchandise, free flights, a stylish travel upgrade or simply to treat a loved one, there are various pros of having a rewards program attached to your credit card. In the case of credit cards with Singapore Airlines points, frequent travellers can really benefit.
- Benefits. Everyone likes a bit of special treatment. Priority service, luggage upgrades and lounge access all help to elevate your credit card’s experience.
- Bonus points.Some rewards credit cards offer bonus points for new customers. It’s a great way to boost your points pool from the moment you sign up, and bring your rewards closer.
- Affiliated partners. Singapore Airlines has 31 partners – meaning you can use your rewards in more places.
- Travel insurance.A lot of rewards credit cards offer complimentary insurances on travel. This can include cancellation cover, accommodation cover for delays, car hire accident cover, lost luggage protection and more. The insurance can also cover your family members when they travel with you.
What are the cons of credit card rewards?
- Pressure to spend more. The lure of earning points for exciting rewards can be a big temptation to spend on things you otherwise may not have. This can cause you to rack up a higher credit card debt and incur interest – detracting from any rewards you’ll receive.
- Monetary value. The more money you spend on your card, the more points you’ll earn. However, hundreds of thousands of points doesn’t equal hundreds of thousands of dollars. In actuality, the cash value of earned points is just a fraction of what you paid to get it. If you look closely at the pay-off, you can easily spend thousands of dollars to receive one reward that might only cost tens of dollars.
- High interest rates. Rewards credit cards tend to have higher interest rates. This is their way of compensating for the extra benefits and rewards you can receive. So, unless you are really strict with paying off your balance in full each payment cycle, you can end up paying surplus interest.
- On top of higher interest rates, rewards credit cards can often have higher annual fees. This can offset the value you receive from your rewards.
- Restrictions. Your ability to earn points and redeem them for rewards is regulated by some restrictions and exceptions. Even benefits, like complimentary insurance, can have some detailed fine print attached to them. So always read the terms and conditions to make sure the rewards are as good as they seem – and complement your spending habits.
- Point capping and expiry. Planning on accumulating your points and redeeming them for something grand? Unfortunately, most credit cards only allow you to earn a certain amount of points per year, and they usually expire in around one to three years.
How do credit cards with Singapore Airlines rewards compare to other credit cards?
There is a plethora of rewards credit cards on the market, so be sure to do your research or ask a professional for advice. Qantas, Virgin and many other airlines offer rewards programs that are worth comparing before making a decision.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
Frequently asked questions
What's the best credit card for rewards?
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
Do I get HSBC credit card insurance on purchases I make?
As an HSBC credit card (HSBC Platinum, HSBC Platinum Qantas and HSBC Premier World) cardholder, you may be entitled to complimentary international and domestic travel insurance. This HSBC credit card insurance covers you for hospital stays and medical expenses, flight cancellations or delays, as well as lost luggage or personal items.
To be eligible for the insurance, you should have paid for at least 90 per cent of your overseas return travel ticket with your HSBC credit card. The cover is automatically activated without a need to contact HSBC. However, it’s always best to let your card issuer know when you travel overseas. If you have pre-existing medical conditions, you’ll need to contact Allianz directly to organise cover for these as they aren’t covered by the insurance. You can call Allianz on 1800 648 093.
The complimentary international travel insurance that comes with your HSBC Platinum credit card is valid for up to four months from the date of your departure from Australia. Your HSBC credit card insurance cover also covers your spouse and dependent children if 90 per cent of their travel ticket is purchased using your HSBC card.
Can I transfer money from my American Express credit card to my bank account?
If you’re an American Express credit card customer, you may not be able to transfer money from your credit card to your bank account. However, you may be eligible for cash advances, which involves withdrawing money through an ATM.
To qualify for a cash advance, you’ll likely have to enrol for American Express Membership Rewards. Consider checking your online credit card account to see if you can withdraw a cash advance and, if so, the fees and charges you’ll incur for this transaction.
You should remember that cash advances are different from balance transfers, which were available with some American Express credit cards earlier. Balance transfers allow customers to consolidate debt from high-interest credit cards to a credit card offering a lower interest rate. If you only recently applied for an American Express credit card, balance transfers may not be available irrespective of the card you own.
What is the CUA credit card increase limit process?
A credit limit is pre-assigned based on factors like your income, expenses, and debt by the card-issuing company. It varies from time to time based on credit utilisation and changes to your circumstances.
If your income has increased or your liabilities have reduced, you can request for an increase of your CUA credit card limit. You can lodge the request via online banking on the website, or by visiting the closest branch, or by downloading the application form and mailing it. While making the application, you may need to provide information about your income, employment status, desired limit, and the reason for the increase. The card-issuing company will assess your request before approval.
Before you apply for an increase to the credit limit, ensure your bills are paid in full and you aren’t asking for a very steep enhancement.
How can I increase my credit card limit on my American Express card?
If you want to increase the credit limit on your American Express (AMEX) credit card, you will need to apply through the AMEX Online Services, or by calling the number on the back of your card. You may need to share personal information that the bank can use to assess whether the requested limit is suitable for you and your current financial status. Once your application is approved, your new limit will be ready for use within an hour.
How to increase my Commonwealth credit card limit?
Commonwealth Bank credit cards are extremely popular in Australia for everyday purchases and big ticket items alikers. A number of the card’s functions can be customised, depending on your needs and desires. If you wish to increase your Commonwealth credit card limit using the CommBank, you can usually do so on the app or via NetBank.
In the CommBank app, tap on the ‘Cards’ icon and choose your credit card. Then, click on ‘Credit Limit’ and select the ‘Increasing your limit’ option. If you don’t have the CommBank app, you can also increase your Commonwealth Bank credit card limit through NetBank. Simply log on and go to Settings, then click on ‘Product Requests’ and then choose ‘Credit Card Limit Changes’.
Once the bank has received your application, they will review your account and payment history. Based on this assessment, your application will either be approved or denied. If approved, your new limit will be applied to your card instantly.
While increasing your credit card limit may be an easy process, it’s important to remember that you should only request limits that you can manage. A high limit increases the risk of having a larger debt, even with cards that provide low-interest rate options. So, it’s important to think carefully and seek advice from people you trust before increasing your Commonwealth Bank credit card limit.
How to increase your Qantas Premier credit card limit
When your income or spending habits change, you might wish to increase your credit card limit. The Qantas Premier credit card allows you to do this over the phone. You can contact Qantas Premier Card Support by calling on 1300 992 700. Unlike some other credit providers, Qantas doesn’t give you the option to increase your limit online.
Qantas will only accept your application if you have a good history of repayment and have not increased your credit or bought another credit product from Qantas in the past six months.
Before approving your Qantas Premier credit card limit increase, Qantas will perform a credit assessment on your current financial circumstances and ask why you would like to increase your credit limit.
To ensure that there are no bumps in your application process, you must provide accurate and recent information about your financial situation. You should also account for any future changes you’re anticipating which could hinder your ability to repay the loan.
Once the assessment is complete, Qantas will either approve or deny your application. If they approve it, you will need to sign a credit limit increase agreement - and you can request a written copy of the credit assessment. However, if your application is rejected, Qantas can opt not to provide a copy of the assessment.
How easy is it to get a credit card?
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
Can a pensioner get a credit card?
It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:
- Annual income. Look for credit cards with minimum annual income requirements you can meet.
- Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee.
- Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.
How do you cancel a credit card?
It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.
How do you use credit cards?
A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.
What should you do if your credit card is compromised?
Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.
Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.
Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.
Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.
How do you use a credit card?
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
Does ING increase credit card limits?
You may want to increase your credit card limit for many reasons, such as having access to more spending money. However, if you are using the Orange One credit card issued by ING, you may not be able to do so.
ING customers can choose a credit limit of their preference when applying for the Orange One credit card. Depending on your financial situation, this limit can be anywhere between $1,000 and $30,000. If you qualify for a Rewards Platinum card, the minimum credit card limit will likely be $6,000.
Ideally, you should set your credit card limit knowing how much you can afford to repay each month and keep your expenses lower than this level. With most credit cards, you should have the option of requesting a credit card limit increase at a later time, although you will need to qualify for any increase. With an ING credit card, limit increases are out of the question (at the time this was published), which means you may want to apply for a higher credit card limit from the beginning. Remember that you have the option of decreasing your ING credit card limit at a later time.
What should you do when you lose your credit card?
Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.
Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.
Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.
Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.
Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.
How do you apply for a credit card?
You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.
What does ANZ credit card insurance cover?
ANZ offers complimentary insurance on some of its credit cards, which can provide some protection against unforeseeable incidents, like the theft of your card. Depending on the type of credit card you own, you may be eligible for different insurances. For instance, most ANZ credit card customers may qualify for Purchase Protection Insurance and Extended Warranty Insurance. Customers who own premium credit cards may also be eligible for Guaranteed Pricing, Rental Vehicle Excess, International Travel, and so on.
Consider checking your ANZ credit card insurance features listed in the Insurance Policy Information booklet to know which items are covered. Also, while ANZ issued the credit card, they are not the insurer. For this reason, you may need to send your insurance claims - and get your ANZ credit card insurance refund - to the insurance provider.
Should I get a credit card?
Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch.
How to get a credit card for the first time
A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.
If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.
Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.
When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.
How can I increase my Bankwest credit card limit?
When you apply for a Bankwest credit card, you get assigned a pre-set credit limit, which will end up being the most that you can spend on your credit card before having to pay it off. Your credit limit is chosen for you and your current financial situation, and you should remember not to overspend, irrespective of the limit, in order to avoid racking up a massive bill.
However, banks and lenders understand that your needs will change, and have made it possible for you to increase your credit card limit, allowing you to get extra cash when you need it most. Moreover, with a higher spending limit, you may be able to get access to certain perks and benefits with your Bankwest credit card.
To increase your Bankwest credit card limit, you can visit any of the bank’s branches or call 13 17 19 and follow the steps outlined.