Here’s How You Can Earn More KrisFlyer Miles Just By Being Married

krisflyer miles married

Getting married isn’t just about romance, flowers and a rockstar wedding. For most Singaporeans, it’s a huge lifestyle change that includes having to wash toilets for the first time in their lives.

That’s because marriage to Singaporeans usually heralds moving out of their parents’ homes. That means buying their own groceries, doing their own housework and merging their finances with their partners.

This means dramatic changes in spending habits too. For most, it means spending more, now that mum and dad are no longer around to share resources with.

But on the bright side, that also means that the potential to earn KrisFlyer miles is much greater once you tie the knot. Here’s how to maximise KrisFlyer miles after marriage in two easy steps:


Step 1: Pre-empt increased spending

Now that you’ve flown the nest, you’re going to be spending a lot more than before in certain categories, such as the following:


Going home to find a home cooked meal waiting for you is going to be less likely now that you are no longer living with your parents. That means spending more on eating out if you and your spouse are unable to cook every day. If you do cook at home, your grocery bill is also likely to be higher.

Homeware and furniture

Not only do you need to purchase a home and repay your home loan, unless you intend to sleep on the floor you will also need to purchase home furnishings. You’ll soon learn that microwaves, washing machines and sofas don’t come cheap.


Once your kids come along, expect your travel expenses to skyrocket, especially as roughing out in hostels is (probably) no longer an option.


Step 2: Pick cards that reward you for spending on the above

Of course, spending more in all the above areas simply means that you’re in a prime position to take advantage of it by paying for all your stuff with a credit card that rewards you generously in the form of air miles.

The first step is to find the right credit cards for you. So ask yourself—what do you spend more on now that you are married?


If you and your spouse are the kind who can’t cook and eat out almost every day, get a card that gives you greater rewards for dining, such as the HSBC Revolution credit card, which gives you 5x the number of rewards points where you spend on dining, entertainment and online purchases. That works out to 2 KrisFlyer miles for every $1 spent on these categories, much higher than the typical base rate of travel credit cards.

HSBC logo
Online Promo
Earn Points for Everyday Spending
S$1= 10 Points
S$1= 4 Miles
Min. Spend
Online Promo:
Receive SGD200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $50 cashback. Min. spends of S$500 upon card approval required. T&Cs apply.

Supplementary Card Promo:
Get up to S$150 cash back (S$30 per supplementary card, up to maximum of 5 cards).
Valid until 31 Dec 2022

Do note that there is a yearly $40 fee to be part of HSBC’s Mileage Programme.

Big purchases

The first year or so after you move out of your parents’ will be quite expensive as you’ll have to kit out your new place. Ditto for when you discover you’re expecting a child. Look out for cards that offer generous sign-up bonuses or rewards offers in the first months of membership, and apply for them just before a big purchase. For instance, if you apply for the Citibank PremierMiles Visa Card and spend $10,000 within the first 3 months of card membership, you get a cool 42,000 miles.

Citibank logo
MoneySmart Exclusive
Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = 2 Miles
Selected Online Hotel Bookings
S$1 = Up to 10 Miles
Stand a chance to be one of the 3 lucky winners of our 100% Cashback Lucky Draw when you shop at the MoneySmart Membership store with your Citibank Credit Card!

Valid until 30 Nov 2022

Do note that there is an administrative fee of $25 for each Citi Miles redemption, but do remember that Citi Miles have no expiry date.

If you’re not planning to spend that much, consider applying for the American Express Singapore Airlines KrisFlyer Ascend Card. You only need to spend $6,000 within the first 3 months to earn up to 32,200 KrisFlyer miles.

American Express logo
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Grab rides
S$1 = 3.2 Miles
Get up to 27,000 worth of KrisFlyer Miles (worth a return trip to Phuket via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.
Valid until 30 Nov 2022

Do note that your expenditure is converted immediately to KrisFlyer miles, which is much more convenient. KrisFlyer miles will expire in 3 years.


So you insist on escaping Singapore every month or two for your own mental health? Take the whole family with you and your expenses can really add up, which makes a credit card like DBS Altitude Card a good choice. The card rewards you generously for online flight and hotel transactions.

DBS logo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles

DBS has recently revamped their miles redemption programme from a yearly fee to a “per redemption” model. It will now cost you $25 per redemption.

What have you been spending more on since you got married? Tell us in the comments!