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TPG Twitter follower Beatrik is interested in a new feature KrisFlyer has just released:

‪”@thepointsguy‬ what are your thoughts on KrisFlyer’s cash and miles program that was recently introduced?”

Recently Singapore Airlines introduced a new cash and miles feature which allows you to pay for airfare in cash while also redeeming miles to bring down the cost of the ticket. Off the bat, I don’t think this is a very good deal because you’re going to get less than 1 cent per mile in value (the conversion rate seems to be closer to 0.8 cents per mile in most cases) towards airfare and you can usually do better than that with an outright award redemption.

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On the positive side, one good thing about this feature is that you will at least earn miles on the paid portion of the ticket. This is different from airlines like Delta which offer a pay with miles option if you’re a Delta American Express cardholder, but you won’t earn any award miles or elite-qualifying miles on that ticket. At least with Singapore Airlines, you will earn miles proportionate to the amount of the total fare you pay for with a credit/debit card instead of with miles. So if you pay for half your ticket and redeem miles for the other half, you’ll earn half the Krisflyer and elite-qualifying miles you would if you bought the ticket.

In general, I would only recommend using this feature if you’ve got a really small amount of KrisFlyer miles that you won’t be able to use and are going to expire (you only need a minimum of 5,000 miles to use this feature). Even then I would advise you to transfer points in from American Express or Starwood Preferred Guest to get your KrisFlyer miles up to one of their award levels, the lowest being 7,500 miles from Singapore to Malaysia/Indonesia/Brunei. KrisFlyer has some really good sweet spots like one-way half-priced awards and a 15% mileage discount when redeeming for Singapore Airline flights online so you should try to take advantage of those if you can.

For my 29th birthday I flew on Singapore's all business class A340-500.
For my 29th birthday I flew on Singapore’s all business class A340-500.

Krisflyer is also great program if you want to fly Singapore’s much-lauded first class because they open up a lot of availability to their own frequent flyer members but not members of its partner airline programs. Singapore Airlines is an amazing airline and I’ve gotten to fly with them several times before though one thing to note is that it can be very challenging to book business or first class using a Star Alliance partner’s miles, especially if you’re trying to book far in advance, so that’s a good reason to join KrisFlyer even though many of their mileage requirements for awards are higher than their partners’.

While I do think KrisFlyer miles are valuable, I don’t think that this cash and miles feature is a very good deal in terms of getting value from your miles. That said, if you’re going to let your miles expire you might as well get some value out of them. If cash and miles is your only option then go for it, but otherwise try to increase your miles to redeem them for a Saver Award.

Starwood Preferred Guest® Credit Card from American Express

There’s no telling how much longer these cards will be around and available for new applications because of the Marriott takeover, so now might just be the perfect time to apply. Apart from hotel redemptions, you can transfer Starpoints to over 30 airline partners, and now also transfer points from Starwood to Marriott Rewards at a 1:3 ratio, opening up even more redemption options.

Apply Now
More Things to Know
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Limited Time Offer- Earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
Regular APR
15.74%-19.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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