Best of · September 2026

The fastest way to earn KrisFlyer miles.

see the ranked list ↓

KrisFlyer is Singapore Airlines' own programme, and it still prices Saver awards off a published zone chart — so what a transfer into it buys is a number you can check before you make the transfer, which is not true of every partner on this desk. 69 of our 645 priced cards can put points into it, and the ratio is only half the answer: what matters is how many KrisFlyer miles a rupee of spend becomes. Axis Magnus for Burgundy turns ₹1L of spend into 4,800.

the call, and how it's made fold that back up

Which Indian credit card is best for Singapore Airlines KrisFlyer miles?

Axis Magnus for Burgundy. Spend ₹1L on it in a month and you end up with 4,800 KrisFlyer miles — ₹5,280 of them at our ₹1.10 house mark. 6 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹30,000/yr. That is base earn multiplied by the ratio that card actually gets — not the headline ratio, and not the ratio a different card on the same bank's points would get. Axis Magnus for Burgundy is invite- or relationship-gated, so if that is not your wallet: the best card here you can simply apply for is HDFC Diners Club Black Metal at 3,330 per ₹1L (₹10,000/yr).

Verified through · The records behind this board — the ratios into Singapore Airlines KrisFlyer we could re-read, and that program's house mark — carry re-verification dates from 2 Aug 2026 to 23 Aug 2026; the board is recomputed from them on every build.

The top three

#1 the call Keep

Axis Magnus for Burgundy

4,800

KrisFlyer miles per ₹1L

6 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹30,000/yr

#3 Keep

KrisFlyer SBI Card APEX

3,000

KrisFlyer miles per ₹1L

co-brand — earns KrisFlyer miles directly, no transfer · ₹9,999/yr

The rest of the field

Ranks 4–15 of 69

# Card KrisFlyer miles per ₹1L The math
4 HSBC Premier (Metal) 3,000 3 pts/₹100 in HSBC Reward Points at 1:1 · ₹12,000 joining, then ₹20,000/yr
5 Axis Bank Reserve 3,000 7.5 pts/₹100 in Axis EDGE Reward Points at 5:2 · ₹50,000/yr
6 Axis Magnus 2,400 6 pts/₹100 in Axis EDGE Reward Points at 5:2 · ₹12,500/yr
7 Axis Horizon 2,000 2 pts/₹100 in Axis EDGE Miles at 1:1 · ₹3,000/yr
8 HSBC TravelOne 2,000 2 pts/₹100 in HSBC Reward Points at 1:1 · ₹4,999/yr
9 HDFC Regalia Gold 1,250 2.5 pts/₹100 in HDFC Reward Points at 2:1 · ₹2,500/yr
10 HDFC Diners Club Privilege 1,000 2 pts/₹100 in HDFC Reward Points at 2:1 · ₹1,000/yr
11 KrisFlyer SBI Card 1,000 co-brand — earns KrisFlyer miles directly, no transfer · ₹2,999/yr
12 RBL Nova 1,000 2 pts/₹100 in RBL Reward Points (Nova/Lumière) at 2:1 · ₹12,500/yr
13 HSBC Platinum 667 1.333 pts/₹100 in HSBC Reward Points at 2:1 · ₹0 — lifetime free
14 HSBC RuPay Platinum 667 1.333 pts/₹100 in HSBC Reward Points at 2:1 · ₹0 — lifetime free
15 Axis Bank SELECT 500 5 pts/₹100 in Axis EDGE Reward Points at 10:1 · ₹3,000/yr
the other 54 cards — ranks 16 to 69 fold the other 54 back up
# Card KrisFlyer miles per ₹1L The math
16 IndusInd Pinnacle World 500 1 pts/₹100 in IndusInd Reward Points at 2:1 · ₹0/yr · ₹15,000 joining (one-time)
17 IndianOil Axis Bank Premium 335 0.67 pts/₹100 in Axis EDGE Miles at 2:1 · ₹1,000/yr
18 IndusInd Tiger 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0 — lifetime free
19 IndusInd Platinum 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0 — lifetime free
20 Axis Bank Privilege Easy 250 5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹1,500/yr
21 IndusInd Legend 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹5,000 joining (one-time)
22 IndusInd Platinum RuPay 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹10,000 joining (one-time)
23 Axis Bank Pride Signature 200 4 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr
24 IndusInd Duo 167 0.667 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0 — lifetime free
25 IndusInd ePay Amex 66 0.528 pts/₹100 in IndusInd Reward Points at 4:1 · monthly earn capped at ₹0.5L of spend · ₹0 — lifetime free
26 IndianOil Easy Axis Bank 50 1 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹0 — lifetime free
27 Axis Bank Privilege 500 5 pts/₹100 in Axis EDGE Reward Points at 10:1 · ₹1,500/yr · the desk's own verdict is downgrade
28 Samsung Axis Bank Signature 250 5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade
29 IndusInd Bank Nexxt Credit Card 167 0.667 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹10,000 joining (one-time) · the desk's own verdict is downgrade
30 Axis Bank REWARDS 160 1.6 pts/₹100 in Axis EDGE Reward Points at 10:1 · ₹1,000/yr · the desk's own verdict is downgrade
31 Axis Bank Platinum 150 3 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500 joining, then ₹200/yr · the desk's own verdict is downgrade
32 IndusInd Platinum Aura Edge 125 0.5 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0 — lifetime free · the desk's own verdict is downgrade
33 Axis Bank Pride Platinum 100 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250/yr · the desk's own verdict is downgrade
34 Axis Bank My Zone 100 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade
35 Axis Bank My Zone Easy 100 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade
36 Axis Bank My Wings 100 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹1,200 joining, then ₹500/yr · the desk's own verdict is cancel
37 Axis Bank Titanium Smart Traveller 50 1 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250 joining, then ₹100/yr · the desk's own verdict is downgrade
38 IndianOil Axis Bank Credit Card 50 1 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade
39 Axis Bank NEO 25 0.5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250/yr · the desk's own verdict is downgrade
40 Axis Burgundy Private 6,000 7.5 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹1,00,000/yr · invite-only — not on open application
41 Axis Bank PRIMUS 5,000 1 pts/₹100 in Axis EDGE Miles at 1:5 · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application
42 Axis Atlas 4,000 2 pts/₹100 in Axis EDGE Miles at 1:2 · ₹5,000/yr · closed to new applicants
43 Axis Olympus 4,000 1 pts/₹100 in Axis EDGE Miles at 1:4 · ₹20,000/yr · invite-only — not on open application
44 HDFC Infinia Metal 3,330 3.33 pts/₹100 in HDFC Reward Points at 1:1 · ₹12,500/yr · invite-only — not on open application
45 HSBC Privé 3,330 3.33 pts/₹100 in HSBC Reward Points at 1:1 · ₹2,75,000/yr · invite-only — not on open application
46 IndusInd PIONEER Private 3,000 3 pts/₹100 in IndusInd Reward Points at 1:1 · ₹25,000/yr · invite-only — not on open application
47 RBL Lumière 2,000 2 pts/₹100 in RBL Reward Points (Nova/Lumière) at 1:1 · ₹50,000/yr · invite-only — not on open application
48 HSBC Advance Platinum 1,333 1.333 pts/₹100 in HSBC Reward Points at 1:1 · ₹0 — lifetime free · closed to new applicants
49 Amex Platinum Charge 1,250 2.5 pts/₹100 in Amex Membership Rewards at 2:1 · ₹66,000/yr · issuance paused
50 HSBC Smart Value 1,000 1 pts/₹100 in HSBC Reward Points at 1:1 · ₹0 — lifetime free · closed to new applicants
51 Amex SmartEarn 1,000 2 pts/₹100 in Amex Membership Rewards at 2:1 · ₹495/yr · issuance paused
52 Amex Membership Rewards Card 1,000 2 pts/₹100 in Amex Membership Rewards at 2:1 · ₹1,000 joining, then ₹4,500/yr · issuance paused
53 Amex Gold Charge 1,000 2 pts/₹100 in Amex Membership Rewards at 2:1 · ₹1,000 joining, then ₹4,500/yr · issuance paused
54 HDFC Regalia 1,000 2 pts/₹100 in HDFC Reward Points at 2:1 · ₹2,500/yr · closed to new applicants
55 Amex Platinum Travel 1,000 2 pts/₹100 in Amex Membership Rewards at 2:1 · ₹5,000/yr · issuance paused
56 Amex Platinum Reserve 1,000 2 pts/₹100 in Amex Membership Rewards at 2:1 · ₹10,000/yr · issuance paused
57 IndusInd Pioneer Legacy 500 1 pts/₹100 in IndusInd Reward Points at 2:1 · ₹0/yr · ₹50,000 joining (one-time) · invite-only — not on open application
58 IndusInd Pioneer Heritage 500 1 pts/₹100 in IndusInd Reward Points at 2:1 · ₹1,00,000 joining, then ₹25,000/yr · invite-only — not on open application
59 Axis Bank Signature 400 1 pts/₹100 in Axis EDGE Reward Points at 5:2 · ₹1,500 joining, then ₹1,000/yr · closed to new applicants
60 IndusInd Iconia Amex 375 1.5 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants
61 IndusInd Indulge 375 1.5 pts/₹100 in IndusInd Reward Points at 4:1 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application
62 Poonawalla Fincorp IndusInd eLITE RuPay 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0 — lifetime free · closed to new applicants
63 Samsung Axis Bank Infinite 250 5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹5,000/yr · closed to new applicants
64 IndusInd Celesta 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹25,000 joining, then ₹5,000/yr · invite-only — not on open application
65 Indus Solitaire 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹30,000 joining, then ₹10,000/yr · invite-only — not on open application
66 IndusInd Crest 250 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application
67 IndusInd Iconia Visa 188 0.75 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants
68 IndusInd Bank Gold Credit Card 125 0.5 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹500 joining (one-time) · closed to new applicants
69 Axis Bank Freecharge 25 0.5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250/yr · invite-only — not on open application

No route into Singapore Airlines KrisFlyer

576 cards, each with the reason fold the 576 back up

How is this ranking computed?

For every card we take the points its base rate actually POSTS — the count on your statement, per ₹100, with its monthly reward cap applied, never a rate we have already scaled for what a point is worth — and multiply by the best ACTIVE route from its currency into Singapore Airlines KrisFlyer at the ratio that specific card gets — variant ratios included, whitelisted routes honoured. A co-brand that earns KrisFlyer miles directly is listed at its face rate with no ratio at all. Base earn only: accelerators, milestones, tier bonuses and welcome offers are deliberately out, because they are card- and category-specific bets a "per ₹1L" number cannot honestly carry — the card pages and the calculator price those. Transfer minimums, transfer fees and posting times still apply per route; the transfer desk carries every one of them. Cards with no live route in are listed unranked below.

Straight answers

How many cards are in this krisflyer miles ranking?

69 of the 973 Indian personal cards on the desk are ranked here. 576 are listed unranked with the computed reason — no route into singapore airlines krisflyer — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).

How up to date is this list?

The records behind this board — the ratios into Singapore Airlines KrisFlyer we could re-read, and that program's house mark — carry re-verification dates from 2 Aug 2026 to 23 Aug 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

Which credit cards for KrisFlyer miles have no annual fee?

11 of the 69 ranked here are lifetime free. The best on KrisFlyer miles per ₹1L is HSBC Platinum at 667. This board's call, Axis Magnus for Burgundy, costs ₹30,000/yr and reaches 4,800 — that gap is what the fee buys.

Is Axis Magnus for Burgundy better than HDFC Diners Club Black Metal?

On what this board ranks — KrisFlyer miles per ₹1L — yes: 4,800 against 3,330. That is the whole claim, and a narrow one. HDFC Diners Club Black Metal takes this desk's insurance board instead. No card wins overall: 23 boards, 23 questions.

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