Instant and quick ways to transfer miles to KrisFlyer (2024)

At one point or other, we’ve probably all been in the same situation. Staring at an available KrisFlyer Saver award flight on the laptop screen or mobile app – perfect dates, perfect timings, but you don’t quite have sufficient miles in your account to lock it in for you or your travelling party.

Several transfer methods can recharge your KrisFlyer balance in the next few days or weeks, but what are the chances of those perfect award seats still being available then? Especially for near-term redemptions, it’s a big risk to take.

Thankfully there are some instant (yes, absolutely instant) and quick (within 24 hours) ways to top up your balance, and these might just save the day.

Here’s our latest run-down for 2024, now including points transfers from all HSBC credit cards, and those from CapitaStar STAR$, but with the removal of GrabRewards points, which no longer offer transfers to KrisFlyer.

LinkPoints: Instant

Almost everyone in Singapore makes at least some of their regular spending at stores like NTUC FairPrice, Cheers, FairPrice online, Unity Pharmacy or Caltex petrol stations.

If you’re the same, you might well have an NTUC Link Plus! card. Swipe it every time you shop at one of those outlets and you’ll be accruing LinkPoints at a rate of 1 point per S$2 spent at most of these stores.

The two most important things for our readers to know is that:

• LinkPoints points transfer to KrisFlyer miles (at a ratio of 2:1, improving to 1.87:1 for larger transfers), and
• Transfers are instant

If you’ve been racking up your FairPrice, Cheers and Unity spend over the last few months to the tune of S$4,000, for example, and tapping your Plus! card each time, your 2,000 points accrued will give youan instant 1,070 KrisFlyer milesif you need them.

How it works

Head across to the theLink Rewards Exchange Page, log on to your Link account, then tap on the KrisFlyer ‘View More’ link.

If you haven’t done so already, you’ll need to link your KrisFlyer account to your LinkPoints account. Both accounts must be in your name for the transfer to be successful.

You’ll then be able to make a transfer in one of the five transfer blocks, depending on your LinkPoints balance. You can make multiple transfers if you wish.

Miles will reflect in your KrisFlyer account straight away.

Is it good value?

It’s not great but also not terrible value to use your LinkPoints this way. Take the above example where you have accrued 2,000 LinkPoints, exchangeable for 1,070 KrisFlyer miles. We value KrisFlyer miles at 1.9 cents each, so that’s worth at least S$20.33 against future flight redemptions.

The alternative is to use your LinkPoints for an instant redemption at the checkout when shopping at one of the eligible merchants, at a rate of 100 points = S$1 off. Your 2,000 LinkPoints will get you a discount of S$20.00 in this case.

Looking at it another way, if you opt for the KrisFlyer option you’re buying miles for 1.87 cents each (S$20.00 discount you could have had, divided by 1,070 miles you will have instead).

That’s relatively borderline in terms of value, but if you need a small KrisFlyer miles top-up this certainly isn’t a bad way to do it.

Bear in mind that for smaller LinkPoints to KrisFlyer transfers, you’re buying miles for 2 cents each due to the poorer transfer ratio, but this is sometimes enhanced under promotional deals to as little as 1.6 cents each.

KrisPay miles: Instant

We definitely don’t suggest that you ever transfer KrisFlyer miles to KrisPay miles in order to spend them at merchants via the Kris+ app, due to the awful 0.67 cent per mile value they give you against future purchases.

However, you actually should be using Kris+ to earn miles when making purchases at participating merchants, as these are awarded on top of any miles you’ll also be earning using the right credit card for the same transaction.

Over 400 Kris+ partners across Singapore allow miles earning via Kris+, at 1 mpd to 9 mpd rates.

Earning is instant at the time of transaction, and you can then instantly transfer the KrisPay miles accrued to your KrisFlyer account. This can be very useful for a small, quick top-up.

For example let’s say I’m looking at an available KrisFlyer redemption at 68,500 miles from Singapore to Brisbane in Business Class. I thought I had enough but I just realised I only have 68,308 miles in my account. 192 miles short!

Here’s where Kris+ comes in.

I can walk down to my local Bottles & Bottles store and pick up this nice pair of Sauvignon Blancs:

When I pay in-app via Kris+ using Apple Pay or Google Pay, I’m credited with 192 KrisPay miles (S$64 x 3 mpd).

I can transfer these instantly into my KrisFlyer account, and now I have exactly the 68,500 miles I need for the award booking.

Consider vouchers too

Kris+ also sells discounted vouchers for future redemption at some of its merchants, and in this case there’s no need to even leave home to accrue KrisFlyer miles!

Simply purchase a voucher, accrue miles at that merchant’s regular earn rate for doing so, then transfer the miles into KrisFlyer instantly after that.

In the above example, you’ll earn 3 mpd (3 x S$68 = 204 miles) instantly when purchasing this Seafood Paradise voucher.

You can then redeem the voucher at a later time.

Is it good value?

Yes. Transferring miles earned at Kris+ merchants into your KrisFlyer account is the only good value thing you can do with them, and you should already be doing it, with up to 9 mpd at 400+ merchants.

DBS Points, UNI$ or Citi Points via Kris+: Instant

It’s unlikely that buying a bottle of wine is going to see you over a redemption threshold (even a case of wine probably won’t do it!). There is another method using Kris+ if you have:

• Citi Miles
• Citi ThankYou Points
• DBS Points
• UOB UNI$

• For every Citi Mile transferred you’ll get 0.85 KrisPay miles
• For every Citi ThankYou Point transferred you’ll get 0.34 KrisPay miles
• For every DBS Point transferred you’ll get 1.7 KrisPay miles
• For every UOB UNI$ transferred you’ll get 1.7 KrisPay miles

The process is instant, and the KrisPay miles can then be instantly transferred into your KrisFlyer account, as we outlined above for purchases via Kris+.

There is no fee for the transfer, but in each case the rate is 15% less than you’ll get for direct bank-to-KrisFlyer transfers.

Here are the minimum credit card points balances you’ll need to make a transfer:

• Citi Miles: 4,000
• Citi TYPs: 10,000
• DBS Points: 100
• UOB UNI$: 1,000

Blocks then transfer in identically-sized increments, which is quite flexible especially in the case of DBS Points.

Is it good value?

Not really, since in all cases you’re taking a 15% hit using this method compared to direct transfers. The problem with the regular transfer is that it typically takes 1 to 4 days with these banks, too long to be regarded as either ‘instant’ or ‘quick’ for the purposes of this article.

It’s also worth noting that these transfers via Kris+ are fee-free, while the banks typically charge S$25-30 per transfer and impose larger minimum transfer block sizes, so with those things considered it may be worth taking the hit if only a small top-up is required.

HSBC credit card points transfer: Instant

The only bank in Singapore currently offering instant transfers from accrued points into KrisFlyer miles is HSBC.

While this was originally a perk only for TravelOne cardholders, the system (including its 21 transfer partner options) has now been rolled out to all the banks miles-earning cards.

Here’s the full list of transfer options from HSBC in 2024.

= Good transfer ratio
= Lousy transfer ratio

HSBC FFP Transfer Partners
Since 28th May 2024

FFP			Transfer Ratio
			25,000 10,000 25,000 10,000
			35,000 10,000 35,000 10,000
			25,000 10,000 25,000 10,000
			30,000 10,000 30,000 10,000
			35,000 10,000 35,000 10,000
			35,000 10,000 35,000 10,000
			25,000 10,000 25,000 10,000
			25,000 10,000 25,000 10,000
			50,000 10,000 50,000 10,000
			25,000 10,000 25,000 10,000
			35,000 10,000 35,000 10,000
			25,000 10,000 25,000 10,000
			25,000 10,000 25,000 10,000
			25,000 20,000 25,000 20,000
			25,000 10,000 25,000 10,000
			35,000 10,000 35,000 10,000
			40,000 10,000 40,000 10,000

As you can see there are some useful instant transfer options here to other FFPs beside just KrisFlyer, including Cathay Pacific Asia Miles and British Airways Avios.

One downside is you’ll need at least 25,000 HSBC points (for 10,000 KrisFlyer miles), but after that you can transfer in single-point denominations (e.g. 25,005 points to 10,002 miles).

Transfers are available through the HSBC Singapore app (App Store|Google Play) and currently the card offers unlimited transfers to frequent flyer programmes free of charge, until 31st January 2025 (fee to be confirmed after that).

Here’s HSBC’s step-by-step summaryof how the transfer process works (for the TravelOne card, but now applicable to all cards).

Is it good value?

Yes, this is the standard way to transfer your HSBC points into KrisFlyer at the normal ratio, but do consider whether the other transfer partners offer you better value before you commit.

CapitaStar: Instant

You can transfer your CapitaStar STAR$ into KrisFlyer miles instantly at a 26:1 ratio, subject to a minimum transfer of 9,880 STAR$ (into 380 KrisFlyer miles).

Transfer Ratio
STAR$KrisFlyer miles
9,880 : 380

You can convert up to 350,000 STAR$ annually, which would be around 13,460 KrisFlyer miles.

Transfers are via the rewards page on the CapitaStar website.

It’s also possible to transfer CapitaStar STAR$ to KrisFlyer miles instantly via the Kris+ app at the same ratio, but it’s not worth going through that two-stage process when a simple one-stage option is available, and Kris+ still requires you to transfer a minimum of 9,880 STAR$ across anyway.

Is it good value?

Not really. CapitaStar STAR$ can be redeemed against shopping and dining purchases at merchants within all 17CapitaLand malls in Singapore, like Plaza Singapura, ION Orchard and Jewel Changi Airport.

That’s at a fixed rate of 10 STAR$ to 1 Singapore cent, so 9,880 STAR$ is good for S$9.88 worth of spending. That means a transfer to KrisFlyer miles has cost2.6 cents per mile(S$9.88 ÷ 380), since you could otherwise have (relatively easily) used those STAR$ to achieve this cash equivalent saving.

That said, if 380 miles is a sufficient top-up to unlock a redemption, it’s certainly worth considering.

Virgin Australia Velocity Points: Instant

Do you have a Virgin Australia Velocity Frequent Flyer account? Like most of our readers in Singapore, the answer is probably no.

That’s because unless you have a mailing address in one of Virgin’s primary markets (e.g. Australia or New Zealand), you aren’t eligible for one.

If you do have one though, here’s another instant transfer option. You can move Velocity points to KrisFlyer at a 1.55:1 ratio provided you have at least 5,000 Velocity points (which would become 3,226 KrisFlyer miles).

After that, transfers in subsequent 1-point denominations are possible (e.g. 5,001, 5,002 etc…).

Is it good value?

Almost certainly not. Velocity points are worth approximately 1.8 cents according to some reputable estimates, so you’re taking a value hit of over 30% by doing this, assuming you would use the points in the Velocity programme.

KrisShop.com: 24 hours

KrisShop is Singapore Airlines’ online retail store with a wide range of goods, some of which you’d expect to find in an on board duty free selection like cosmetics and fragrances, but over recent years expending to a number of other items including food and homewares.

You can pre-order for onboard collection or alternatively many items are available for home delivery.

KrisShop awards 1.5 KrisFlyer miles per S$1 net spend (i.e. excluding taxes and delivery charges), though enhanced earn rates are available if you are a KrisShopper member.

The bad news, according to KrisShop’s FAQs, is:

The good news is that in reality, KrisFlyer miles are credited to your account within 24 hours of making your purchase. This even applies at weekends.

KrisShop via Kris+: Instant

If you’re a Singapore resident you can now purchase most KrisShop items via the Kris+ app, earning KrisPay miles in the process, which you can then transfer directly and immediately into your KrisFlyer account.

You’ll earn 1.5 miles per S$1 spent, plus any tier bonus within the KrisShopper programme if you are a member. There are also occasional bonus miles promotions, which often makes purchasing KrisShop items this way more lucrative anyway, compared to using KrisShop.com.

Delivery is only to Singapore addresses if you purchase via this method.

OCBC$ / Voyage Miles / 90°N Miles: 24 hours

OCBC quotes “up to 21 working days” as the timescale for transferring its reward points to KrisFlyer miles. That’s a ridiculously long wait – basically one month.

The good news is that it doesn’t actually take that long. In reality transfers take just 24 hours or less.

This was first shared with us by one of our readers in February 2018, and also confirmed on the FlyerTalk forum transfer time post more recently (e.g. a 12-hour turnaround 11pm transfer to 11am credit time the next day).

I transferred OCBC$ from my rewards account in 2022 at around 12pm on a Thursday. The miles were credited in my KrisFlyer account at 11.30am the following day (Friday).

The downside here is you’ll need at least 25,000 OCBC$ (for 10,000 miles) or 1,000 90°N Miles (for 1,000 miles), with same-sized blocks thereafter, in order to transfer, though the Voyage Card is a welcome exception – here you can transfer as little as 1 Voyage Mile (for 1 mile), with individual mile blocks available thereafter.

Unfortunately, a fee of S$25 applies for each transfer to KrisFlyer miles (yes, even if you transfer 1 mile!).

Is it good value?

Yes. Unlike the instant Citi / DBS / UOB Points via Kris+ method outlined above, where you take a hit on the rate, this is the standard way to transfer your OCBC$ / Voyage Miles / 90°N Miles into KrisFlyer at the normal ratio.

American Express: 24 hours

Transfers from American Express Membership Rewards to KrisFlyer miles is another of those “15 working days” quotes, but transfers actually only take 24 hours, even less in some cases.

450 Membership Rewards Points convert to 250 KrisFlyer miles, with that also being the minimum transfer quantity. If you have the Platinum card the ratio is 400:250 instead. The transfer fee to miles is S$20.

Note that this doesn’t apply to the Singapore Airlines American Express co-brand cards. In that case the miles accrued each month transfer automatically into your KrisFlyer account with no transfer fee at statement publication, but you cannot request an intermediate manual transfer, even if you are willing to pay.

Pro Tip: If you’re lucky to have Amex MR points in the USA, these transfer to KrisFlyer miles instantly.

Is it good value?

Yes, unless you usually accrue Membership Rewards points in order to transfer into other frequent flyer programmes like Asia Miles, Avios or Emirates instead, in which case you’ll have to ‘divert’ some of those for a quick KrisFlyer top-up.

What about Citi?

Previous versions of this guide have mentioned a typical 24-hour turnaround for Citi Miles and Citi ThankYou Points (TYP) transfers into the KrisFlyer programme.

We have no longer been seeing this since 2023.

My last few Citi Miles / TYP transfers to KrisFlyer miles since early 2023 have all taken two days, even with the transfers initiated on different days of the week, and at different times of day, so sadly it no longer makes the cut as an instant or quick method (though it’s not weeks either).

Do share your own experiences with Citi transfers in the comments section below, if they are different.

Buy miles from Singapore Airlines: Instant, but expensive

If the above options are no good to you, or you’ve exhausted as many of them as you can but still find yourself a bit short for a redemption, there’s one final option.

Provided you have at least 50% of the required miles for your award ticket, you can buy the rest from Singapore Airlines directly.

It isn’t cheap, at US$40 (around S$54) per 1,000 miles, so you’ll definitely want this to only be a small top-up if possible at 5.4 cents per mile.

Just book online as you normally would. The system will recognise that you have at least half the miles needed and allow you to proceed with the selection, then generates the following message:

The additional charge is added to the booking summary and will be paid along with the usual taxes and fees due.

In this example an additional S$215.63 is charged to top up 3,994 miles, but the redemption is now instantly confirmable.

Is it good value?

Absolutely not. As you can see it’s costing you 5.4 cents per mile, but if it’s enough to make your redemption work the cost per mile for a small top-up probably isn’t too relevant.

For example, buying miles from SIA instead of walking down to Bottles & Bottles to buy wine and accrue the extra 198 miles I needed for my redemption in the KrisPay example provided earlier now seems like quite a lot of effort, when Singapore Airlines will simply sell me 198 miles for S$10.69!

Terrible value, but zero effort.

Putting award seats on hold

If the instant transfer options don’t work for you, and there’s an award itinerary sitting there with availability, waiting a day or more to credit the miles needed is running a risk.

Most of us hold our biggest points balances in credit card reward programmes as long as possible to extend their validity. Many of the banks aren’t in a particular hurry to transfer your points into frequent flyer miles once you make a request, and like most banks – some see the weekend as ‘days off’, which can drag out the process further.

Singapore Airlines will usually help out if you’re in this situation.

Give KrisFlyer a call and explain what you’re trying to do, why it’s important to you and how long you think the miles top-up will take based on your previous experience. They will generally hold your award seats for a couple of days, so that you can call back and confirm everything once the miles are in, without worrying about the seats disappearing.

Remember there is no formal written policy, so they aren’t obliged to do this. In our experience if you are polite, they will do their best to help you, especially if you are an Elite status holder or PPS Club member.

ADVERTIsem*nT

ADVERTIsem*nT

There aren’t that many ways to recharge your KrisFlyer balance in real time. NTUC LinkPoints, CapitaStar STAR$, Velocity transfers, Kris+ and HSBC points are the only five examples we can think of where it is literally instant.

The Citi / DBS / UOB Points method via Kris+ unfortunately means you have to pay a 15% penalty for the benefit compared with a standard points to miles transfer, unless a promotion is running.

The only other instant method is by far the most expensive, though perhaps the simplest – buying the extra miles you need from Singapore Airlines directly. That’s probably fine for a couple of hundred miles, but becomes very pricey indeed if you’re short by thousands!

Other than that we’ve provided a few fast methods where we know transfers usually take 24 hours / 1 day. If you are going to use one of those ways to achieve enough miles for your award ticket, or some that take even longer, it’s worth asking Singapore Airlines to put your award seats on hold. If you explain the situation to them, they will usually help you out.

Do you know of any other ways to transfer miles into KrisFlyer in a day or less? If so, let us know in the comments section below and we’ll add them to the article.

(Cover Photo: Plane’s Portrait Aviation Media / Malcolm Lu)