Compare Singapore Airlines reward cards
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Afterpay versus credit cards: which is better for your finances
A younger generation of Australians are turning to Buy Now, Pay Later services to fund their spending. But two of the big four banks are stepping up to the plate, offering a no-interest credit card alternative to Afterpay and its competitors.
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.
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 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.
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 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 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 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.
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.
What is a balance transfer credit card?
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
How to pay a credit card
There are a few ways to pay a credit card bill. These include:
- BPAY - allows you to safely make credit card payments online.
- Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
- In a branch.
- Via your credit card provider's app.
How to get a free credit card
There's no such thing as a free lunch. All credit cards come with associated costs when used to make purchases, even if it’s simply the cost of making repayments.
However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.
Do you need a credit card to get a loan?
You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.
If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here.
How many numbers are on a credit card?
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.
Where can I get a credit card?
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.
How to pay a credit card from another bank
Paying or transferring debt from one lender to the other is called a balance transfer. This involves transferring part or all of the debt from a credit card with one lender to a credit card with another. As part of the process, your new lender will pay out the old lender, so that you now owe the same amount of money but to a new institution.
Many credit card providers offer an interest-free period on balance transfers to help new applicants better handle their debt. During this period, cardholders are not required to pay interest on the debt they brought over from the other card. This can be a great opportunity for consumers to pay off credit card debt with no interest. There are often fees associated with balance transfers; normally, these are a percentage of the amount transferred.
So make sure you read the terms and conditions of the card before transferring any debt across.
How to make a credit card online
If you’re wondering about how to make a credit card online application, here are some steps to follow:
- Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
- Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
- Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
- Review details. Ensure the information you’ve entered is correct.
Why do different credit reporting bureaus use different scores?
The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.
However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.