Compare Singapore Airlines reward cards
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Find and compare Singapore Airlines point credit cards
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With thousands of Australians losing their jobs due to the catastrophic COVID-19 outbreak, you may be worrying about how you’ll be able to meet your credit card repayments.
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.
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.
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.