Credit card transfer partners

Updated: 24th October 2026

Here’s our regularly updated guide to where you can transfer your Singapore credit card points, with our interactive tool showing the ratio, fee and typical transfer time for every option.

Our transfer partners tool

By Bank is probably the place to start if you already have credit card points. Choose your bank to see every programme you can transfer into, grouped by alliance, with the ratio for each.

Where a bank has more than one points currency, pick the one you hold – Citi ThankYou Points or Citi Miles, for example, or OCBC$, 90°N Miles or VOYAGE Miles. For Amex and Standard Chartered, where the rate depends on which specific cards you hold, choose your card group instead.

By FFP works the other way round. Here you select the frequent flyer or hotel programme you want to transfer to or top up, and you’ll see every bank that transfers into it, at what ratio, for what fee, and how quickly.

A few visual cues are incorporated to help you spot some of the traps:

• “xx% below bank’s best rate” (in amber) means the same points would get you more miles with that bank’s better-ratio airline partners.
• Red warnings flag transfers we’d avoid – AirAsia rewards, for example, or HSBC to Qatar Privilege Club, where the same points sent to British Airways Avios (then moved across to Qatar 1:1) get you 40% more.

Switch on Transfer time and Transfer fee toggles to see how long each transfer is likely to take and what it will cost you, with the instant and free ones highlighted in green.

The full matrix table

Prefer to see everything at a glance? Our full matrix is still here too, showing every one of the loyalty programmes you can transfer your Singapore credit card points into, as of 24th October 2026.

Singapore credit card to FFP & loyalty programmes

Note that American Express Membership Rewards points still cannot be transferred to Emirates Skywards.

The option disappeared from the Amex portal on 29th May 2025 and was originally expected back in December 2025. Almost a year and a half on, the bank’s website simply states that the option is unavailable “until further notice”. Amex is the sole Emirates transfer partner in Singapore, so for now that programme is effectively out of reach for Singapore cardholders.

We have removed Emirates Skywards from the table of transfer options in Singapore – because it now simply isn’t one.

For American Express and UOB, we are referring to their general credit card products in the tool and table above. If you have a Singapore Airlines co-brand card from either provider, like the KF Amex Blue or KF Amex Ascend, your miles are automatically transferred into your KrisFlyer account with no alternative FFP transfer option available.

Recent changes

The most recent change came in October 2026, when Amex added Accor Live Limitless as a transfer partner. As with its Hilton and Marriott transfers – but unlike its airline partners – the rate is the same whichever Membership Rewards card you hold, with 1,000 MR points converting to 400 ALL points, worth €8 (S$11.45) off an Accor stay.

Hotel transfers are usually a poor use of credit card points. Most banks convert to hotel programmes at the same ratio as airline miles, even though a hotel point is typically worth far less than a mile, and hotel points can often be bought at a discount during sales anyway.

However, this Amex x Accor option is a better deal than it might first appear. The same 1,000 points get you 500 KrisFlyer miles with The Platinum Card, or about 455 with other Membership Rewards cards – worth S$9.00 and S$8.18 respectively at a typical valuation of 1.8 cents per mile. You’d need to value a KrisFlyer mile at more than 2.29 cents (The Platinum Card) or 2.52 cents (other cards) for the miles to come out ahead.

Flexibility disappears though. ALL points can only be spent with Accor, where they knock a fixed amount off room, dining and spa bills, with a minimum redemption of 1,000 points (€20) and blocks of 2,000 points (€40) after that.

The biggest negative development of the past year also came from American Express.

From 23rd February 2026 the bank hiked the number of Membership Rewards points needed for miles conversions by 22-25% across seven of its eight airline partners, and by a punishing 44-50% for the eighth (but non-existent) Emirates Skywards option.

That was a devaluation of the redemption side rather than the earning side, which means it reduced the value of points cardholders had already earned, not merely those they would earn in future.

DBS trimmed its list in September 2026, removing Qantas Frequent Flyer as a transfer partner, which leaves DBS Points with just KrisFlyer and Asia Miles, plus lousy AirAsia rewards.

From January 2025, HSBC increased the number of reward points needed for its cardholders to transfer into KrisFlyer miles by 20%, a surprise move that left it as the only bank in Singapore offering an inferior points-to-miles exchange rate for SIA’s frequent flyer programme, compared to its other partners.

Amex has now joined it in the devaluation club, albeit across the board rather than for a single programme.

British Airways Avios = Qatar Airways Avios (and other flavours)

One important thing to note is that transfers to The British Airways Club can also be ‘de facto’ transfers to Qatar Airways Privilege Club, and vice-versa.

That’s because both FFPs use the Avios currency, and allow free unlimited 1:1 transfers between your accounts as and when you please. You just need a (free) account in both programmes, registered in the same name.

You can therefore effectively also transfer into Qatar Privilege Club from Amex and OCBC, via BA Avios.

Qatar Airways Privilege Club doesn’t apply fuel surcharges to award tickets on its own flights (though there is a pesky award segment fee), and offers attractive awards like Singapore to Koh Samui on Bangkok Airways for 11,000 Avios points.

That’s not all though – any transfer to British Airways Avios allows you to tap awards with a total of seven airline frequent flyer programmes – via instant, free, two-way transfers from the BA programme.

You no longer need to use a British Airways account as a staging post for many of these moves, with avios.com now handling direct transfers between the Iberia, Aer Lingus, Vueling and Loganair programmes in a single step.

Account links are permanent once made, so you only enter your membership details the first time. Qatar Airways Privilege Club and Finnair Plus are the two exceptions – those transfers still have to go through The British Airways Club in two stages.

That opens up a range of additional options, including a wide selection of UK domestic flights on Loganair, often priced at GBP200+ (~S$350+) one-way, for only 6,500 Avios.

Which airlines can you redeem on?

When you convert your frequent flyer miles into a programme that is part of a major alliance, you can generally redeem for flights on any member airline within that alliance.

For example you can use Turkish miles to redeem on Lufthansa, as they are fellow Star Alliance members. Likewise Air France or KLM Flying Blue miles can be used to redeem on a Virgin Atlantic flight.

Here’s a quick reference table of which airlines are in each of the major alliance groupings.

		Star Alliance
	Aegean Airlines		Ethiopian Airlines
	Air Canada		EVA Air
	Air China		ITA Airways
	Air India		LOT Polish Airlines
	Air New Zealand		Lufthansa
	All Nippon Airways		Shenzhen Airlines
	Asiana Airlines		Singapore Airlines
	Austrian Airlines		South African Airways
	Avianca		Swiss International Air Lines
	Brussels Airlines		TAP Air Portugal
	Copa Airlines		Thai Airways
	Croatia Airlines		Turkish Airlines
	EgyptAir		United Airlines

		oneworld
	Alaska Airlines / Hawaiian		Malaysia Airlines
	American Airlines		Oman Air
	British Airways		Qantas
	Cathay Pacific		Qatar Airways
	Fiji Airways		Royal Air Maroc
	Finnair		Royal Jordanian
	Iberia		SriLankan Airlines
	Japan Airlines

		SkyTeam
	Aerolíneas Argentinas		KLM
	Aeroméxico		Korean Air
	Air Europa		Middle East Airlines
	Air France		Saudia
	China Airlines		Scandinavian Airlines
	China Eastern Airlines		TAROM
	Delta Air Lines		Vietnam Airlines
	Garuda Indonesia		Virgin Atlantic
	Kenya Airways		Xiamen Air

Don’t forget partner redemptions

In the same way that you can redeem flights using KrisFlyer miles on SIA’s non-Star Alliance partner airlines like Malaysia Airlines, Garuda Indonesia and Virgin Australia, many of the airline programmes you can convert points into from your Singapore credit card also have their own non-alliance partner redemption agreements too.

Here’s a brief rundown of the airlines you can redeem on that you might not expect to be able to using frequent flyer points or miles for some popular programmes.

FFP	Partner Airlines
	Air Mauritius, Cathay Pacific, Emirates, Etihad, flydubai, Gulf Air, Olympic Air, PAL Airlines, Virgin Australia
	HK Express, Air Canada, Air China, Air New Zealand, Austrian, Bangkok Airways, Gulf Air, Lufthansa, Shenzhen, Swiss
	Aer Lingus, Air Nostrum, China Southern, LATAM
	Air Europa, Air France/KLM, Air New Zealand, Air Serbia, All Nippon Airways, Asiana, Bangkok Airways, Brussels Airlines, China Eastern, Condor, Garuda Indonesia, Gulf Air, Hong Kong Airlines, JetBlue, Malaysia Airlines, Oman Air, SAS, Sri Lankan, Starlux, TAP, Vietnam Airlines
	Air Mauritius, Alaska Airlines, Bangkok Airways, Copa Airlines, easyJet, flydubai, GOL, Japan Airlines, Jetstar, Korean Air, Malaysia Airlines, Qantas, South African Airways, TAP, United
	Air France, Etihad, Emirates, Firefly, KLM
	Air Corsica, Air Mauritius, Aircalin, Bangkok Airways, Chalair, Copa Airlines, Etihad, GOL, Japan Airlines, Malaysia Airlines, Middle East Airlines, Transavia, WestJet
	Jetstar, Air Niugini, Airnorth, Fiji Airways, Air Vanuatu, Emirates, El Al, WestJet
	Bangkok Airways, GOL, LATAM, Middle East Airlines, Oman Air, Royal Air Maroc, Rwandair, Virgin Australia, Xiamen Air
	Aer Lingus, AeroMar, Air Dolomiti, Azul, Boutique Air, Cape Air, Edelweiss, Eurowings, Hawaiian Airlines, Olympic Air
	ANA, China Southern, Pacific Airlines, Mandarin Airlines, Shanghai Airlines

Some partner awards are only applicable on selected routes

For example if you want to use Asia Miles to redeem on Star Alliance member Air Canada, that’s only applicable on selected domestic routes (e.g. Vancouver to Toronto). Similarly you can redeem Asia Miles on Swiss only between Zurich and Hong Kong, plus selected European destinations with connections in Zurich.

Other examples include using Lufthansa Miles & More on Cathay Pacific. That only works on services between Hong Kong and Auckland, Cairns, Melbourne or Sydney.

Transfer ratios aren’t always the same

Most Singapore banks convert points at the same rate whichever partner you pick, but four don’t – and the discrepancies can be large enough to influence where you should transfer your points.

Our tool at the top of this page shows every ratio, and tags in amber any transfer that gets you fewer miles than the same points would earn with that bank’s best-ratio partners.

Here’s where the inferior ratios lie:

• American Express: Platinum Credit Card and Platinum Reserve holders need 550 points for every 250 miles, versus 500 for holders of The Platinum Card or Centurion – 10% more – unless they hold one of those too. Hotel transfers are the exception, at the same rates for every card.
• HSBC: Its best partners need 25,000 points for 10,000 miles. KrisFlyer and Royal Orchid Plus need 30,000 (20% more), Aeroplan, Miles&Smiles, MileagePlus, Privilege Club and Fortune Wings Club need 35,000 (40% more), and JAL Mileage Bank needs 50,000 (double). On a 4 mpd card, that drags your earn rate down to 3.3 mpd, 2.9 mpd and just 2 mpd respectively.
• OCBC: For the same points that get you 1,000 KrisFlyer miles, you’ll get 900 with British Airways Club or Etihad Guest, 750 with Asia Miles (725 from OCBC$) and 700 with United MileagePlus. Only Flying Blue matches KrisFlyer.
• Standard Chartered: SC Rewards+ and SC Smart cardholders need 34,500 points for 10,000 miles, versus 25,000 for holders of SCBeyond, SC Journey, SC Visa Infinite or Priority Visa Infinite – 38% more – unless they also hold one of those four.

Our tool expresses each of these the other way round, as the miles you lose for the same points – so needing 40% more points shows as “29% below bank’s best rate”, because you’ll end up 29% worse off.

If you have points with one of these banks, check the tool before you transfer – your first choice may not always be the best value option.

What will the transfer cost you?

Ratios are only half the picture, with most banks in Singapore still charging an administrative fee every time you convert points into miles, and those fees vary more than you might expect – from nothing at all to over S$30 a time.

Our tool shows each bank’s fee when you switch on Transfer fee, but here’s how the nine issuers compare side by side if you’re just interested in that particular metric across the board.

Singapore Bank to Miles Conversion fees
Bank		Fee
	Amex Membership Rewards	Free
	HSBC Reward points	Free
	OCBC OCBC$ | 90°N Miles | VOYAGE Miles	S$25.00
	UOB UNI$	S$27.00^
	Citi ThankYou Points | Miles	S$27.25‡
	DBS Points	S$27.25^^
	Maybank TREATS Points	S$27.25†
	Standard Chartered 360° rewards points	S$27.25
	BOC Bonus Points	S$30.56*

^ Free for UOB Visa Infinite, Visa Infinite Metal, Reserve and Privilege Banking cardholders, across all UNI$ held
^^ Free for DBS Insignia cardholders, across all DBS Points held
† Free for Maybank World Mastercard holders, across all TREATS Points held
‡ Free for Citi ULTIMA cardholders, for points accrued on that card only
* BOC charges this fee for each points-to-miles transfer of up to 10 transfer blocks (100,000 KrisFlyer miles)

Two changes to note here in the past year.

DBS began charging its standard S$27.25 administrative fee on AirAsia Points conversions from 1st March 2026, having previously waived it, and UOB discontinued its automatic conversion scheme entirely from 20th May 2026.

BOC remains the outlier at the wrong end of the scale, not only applying the highest fee, but capping it at 10 transfer blocks (an 11th block means a second fee is payable), while also requiring a completed PDF form and 14 to 21 working days for the transfer to complete.

More fee-free and instant routes to KrisFlyer, via Kris+

While Amex and HSBC already offer fee-free and instant transfers to KrisFlyer miles, three other banks also offer the option, for a penalty.

Citi, DBS and UOB cardholders can convert points into KrisPay miles in the Kris+ app, then transfer those across to KrisFlyer.

It’s free and instant, but you’ll get 15% fewer miles than a standard transfer, so:

• Citi: 10,000 ThankYou Points (or 4,000 Citi Miles) become 3,400 KrisPay miles
• DBS: 100 DBS Points become 170 KrisPay miles
• UOB: 1,000 UNI$ become 1,700 KrisPay miles

At a typical valuation of 1.8 cents per mile, that 15% haircut costs about the same as a S$27 conversion fee on a 10,000-mile transfer, so for smaller top-ups – or amounts below a bank’s minimum transfer block – Kris+ comes out ahead, while for larger transfers the standard route is much better value.

Importantly here, KrisPay miles must be converted to KrisFlyer within 21 days, otherwise they can only be spent in Kris+ at a poor 1 cent each, and expire after six months.

Redemption rates can differ significantly

Even once you’ve accounted for the different credit card points to airlines miles transfer ratios of the frequent flyer programme you’re interested in, don’t be ‘fooled’ purely by the number of miles you’ll clock up.

Many of these schemes are far less generous than others for the same routing, with the same airline.

Take Bangkok Airways for example. You can’t transfer miles directly into the airline’s FlyerBonus scheme from any Singapore credit cards, but you can redeem on the airline’s (typically expensive) flights from Singapore to Koh Samui using:

• Asia Miles
• Emirates
• Etihad Guest
• Flying Blue
• Qantas Frequent Flyer
• Qatar Privilege Club

Pro Tip: Round-trip flights on this route can be upwards of S$500, even in Economy Class and even on Scoot, so using miles or points for a Koh Samui trip potentially offers you some rare value in this cabin.

Let’s say you’re flush with both Citi and Amex points.

As you can see from the tool and table above, you have the option to transfer miles into five of these six programmes – all except Emirates Skywards, which as we’ve covered is a dead end from any Singapore credit card at the moment. How many miles will you need in each one to get a return Economy Class ticket from Singapore to Koh Samui?

• Asia Miles: 20,000
• Qatar Privilege Club: 22,000
• Etihad Guest: 22,000
• AF/KLM Flying Blue: 22,000
• Qantas Frequent Flyer: 28,000
• Emirates: 28,000

Looking at the two extremes, you’ll need to transfer only 20,000 points to fly this return route using Asia Miles, but 40% more than that (28,000 points) to achieve the same redemption using the Qantas Frequent Flyer or Emirates Skywards programmes.

Even if you already have a small balance in Qantas Frequent Flyer, for example, don’t make the mistake of simply ‘topping up’ to achieve the award ticket – do the maths first. And if it’s an Emirates Skywards balance you’re sitting on, topping up isn’t even an option from a Singapore card right now.

The transfer ratio can change the answer too.

For an OCBC 90°N cardholder, Asia Miles’ 25% haircut means those 20,000 Asia Miles cost 26,667 90°N Miles, while 22,000 Flying Blue miles cost just 22,000, and 22,000 Qatar Avios (via British Airways) cost 24,444.

So for OCBC points, Flying Blue becomes the cheapest way to Koh Samui and Asia Miles the most expensive – exactly the kind of gotcha the amber tags in our tool should help you flag in advance.

Look out for bonus transfer promotions

From time to time, frequent flyer programmes or banks run bonus transfer offers, giving you extra miles when you convert credit card points. These can range from modest 10% boosts to far more generous ones – past examples include an Asia Miles 10% bonus and Qatar Airways Privilege Club’s 30% Avios bonus on Citi points transfers.

If you’re already planning a redemption with one of these programmes, these promotions are a great time to transfer, effectively improving your points-to-miles rate without any extra cost. Just be sure to check the fine print – some bonuses require pre-registration or have minimum transfer thresholds to achieve the ‘advertised’ bump.

Our tool flags live transfer bonuses automatically – the usual ratio struck through, with the boosted one beneath it – and removes them as soon as the offer ends.

While it’s rarely worth transferring points speculatively, timing your move during a bonus window can be a good way to stretch your balance further, especially for programmes offering valuable redemptions that fit your travel plans in the not too distant future.

Don’t forget fuel surcharges

Another key difference between KrisFlyer redemptions on Singapore Airlines flights and most other redemptions on partners or through other FFPs is that you may be stung by a fuel surcharge when you redeem miles for an award ticket.

Generally speaking, outside KrisFlyer only United MileagePlus (UA and partners), Air Canada Aeroplan and Qatar Privilege Club (QR flights only) don’t add a fuel surcharge to award bookings, though Qatar does levy an award segment fee.

All other programmes will pass on any fuel surcharges and add them to the mandatory taxes payable when you redeem, which can significantly shift the equation on value, so do consider this before committing to a points transfer.

For example, a one-way Turkish Airlines redemption from Singapore to Frankfurt in Business Class will cost you 90,000 miles through the carrier’s Miles&Smiles programme, which looks attractive, but it will also set you back a whopping S$605.50 in taxes, fees and fuel surcharges.

A non-stop KrisFlyer Saver Business Class redemption on Singapore Airlines on the same route will cost you 108,500 miles, but only S$95.80 in taxes and fees (now including the new SAF tax, which both carriers pass on anyway).

For us, the miles saving here for the Turkish Airlines itinerary definitely isn’t worth it – saving only 18,500 miles for an additional cost of S$510.

KrisFlyer and Asia Miles are both very useful frequent flyer programmes, but don’t get stuck into thinking you can only transfer into those schemes, especially if you have a Citi, HSBC or OCBC credit card in Singapore, with a host of other options opening up some great potential redemption opportunities.

In addition to the obvious ‘big three’ alliance options, it’s also worth considering alternative airline award possibilities through partner airline redemptions opening up the likes of Bangkok Airways, Oman Air and Aer Lingus through some of these mileage currencies.

The key thing to consider before you commit is making sure the FFP gives you good value through the transfer ratio, and a competitive redemption through its award chart for your preferred flights – but don’t forget to factor in any fuel surcharges.

You should also consider that in the unlucky event that a potential redemption disappears by the time your miles are credited, that you can still make good alternative use of miles in that programme.

Where our previous editions of this guide were charting an expanding list of options, the past couple of years have run the other way – HSBC and then Amex both devalued their conversion ratios, and BOC cut its partner list to a single programme.

Amex adding Accor Live Limitless in October is the only new transfer partner for any of the banks in our table this year.

Whatever you decide, our tool at the top of this page will show you the ratio, fee and typical transfer time before you commit.

The case for holding a card with good transfer flexibility is stronger than ever, but as always transfer only when you have a redemption in mind or your bank points are expiring, not before.