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Hotel credit cards

Credit cards that offer rewards or points for hotel stays help frequent travellers get more out of their trips – as long as the fees don't outweigh the perks.

Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
Qantas Premier Everyday
Qantas Frequent Flyer
Bonus points
8,000
Points per $ spent
0.75
Purchase rate p.a.
19.99%
Annual fee
$99
Go to siteMore Info
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Platinum Business Card
Finder Award
Membership Rewards Ascent Premium
Bonus points
350,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,750
Go to siteMore Info
ABN holders w/ $75,000 revenue. Get 350,000 bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months.
American Express Platinum Card
Membership Rewards Ascent Premium
Bonus points
150,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,450
Go to siteMore Info
Earn 150,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.
St.George Amplify Signature
Amplify Rewards
Bonus points
150,000
Points per $ spent
1.5
Purchase rate p.a.
19.49%
Annual fee
$199 first year ($295 after)
Go to siteMore Info
150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
American Express Gold Business Card
Membership Rewards Ascent
Bonus points
75,000
Points per $ spent
1.5
Purchase rate p.a.
0%
Annual fee
$169
Go to siteMore Info
ABN holders w/ $75,000 revenue. Get 75,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months. Plus, earn 1.5 points per $1 on eligible spending with Membership Rewards.
Qantas Premier Platinum
Qantas Frequent Flyer
Bonus points
100,000
Points per $ spent
1
Purchase rate p.a.
19.99%
Annual fee
$349 first year ($399 after)
Go to siteMore Info
Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
American Express Business Explorer Credit Card
Membership Rewards Gateway
Bonus points
N/A
Points per $ spent
2
Purchase rate p.a.
23.99%
Annual fee
$0 first year ($149 after)
Go to siteMore Info
ABN holders w/ $75,000 revenue. Save with a $0 first-year annual fee and earn up to 2 points on eligible business spending.
American Express Platinum Edge Credit Card
Membership Rewards
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
23.99%
Annual fee
$0 first year ($195 after)
Go to siteMore Info
Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year.
American Express Explorer Credit Card
Membership Rewards
Bonus points
50,000
Points per $ spent
2
Purchase rate p.a.
23.99%
Annual fee
$395
Go to siteMore Info
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
Citi Premier Card - Cashback Offer
Citi Rewards Program
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$300
More Info
Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 3 months.
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There are no hotel-branded credit cards in Australia. But you can get rewards credit cards and frequent flyer cards that offer:

  • Rewards points you can redeem for hotels stays
  • Point transfers to a partnered hotel loyalty program, such as Hilton Honors or Starwood Preferred Guest
  • Hotel perks, such as complimentary stays, upgrades or free breakfast

We've rounded up the hotel-specific benefits and offers from the most popular credit card rewards programs in Australia. This includes bank rewards programs, as well as Qantas and Velocity Frequent Flyer.

Credit card reward programs that offer hotel benefits

Rewards programHotel benefits
American Express Membership Rewards
  • Transfer Membership Rewards points to partner hotel loyalty programs Hilton Honors and Marriott Bonvoy, or to a frequent flyer program partner that offers hotel booking rewards
  • Use points to book hotel stays through American Express Travel, Webjet or Helloworld
  • Redeem points for gift cards with accommodation partners such as Luxury Escapes and Airbnb
Amplify Rewards (St.George/Bank of Melbourne/BankSA)
  • Use your points to pay for hotel bookings around the world through Amplify Travel
  • Transfer points to Velocity Frequent Flyer or Singapore Airlines KrisFlyer to redeem them for specific hotel rewards through either loyalty program
CommBank Awards
  • Use points to pay for hotel bookings at Flight Centre (excludes online bookings)
  • Transfer points to a partner program like Velocity Frequent Flyer to redeem for other hotel-specific rewards
Citi Rewards
  • Redeem points for travel or hotel gift cards for brands like Accor Hotels, Flight Centre and Luxury Escapes
  • Transfer points to a partner loyalty program, such as Velocity or Flybuys, to redeem for other hotel-specific rewards
NAB Rewards
  • Use points to pay for hotel bookings made through Webjet
  • Redeem points for travel or hotel gift cards from brands such as Accor Hotels, Airbnb or Webjet
  • Transfer points to a partnered frequent flyer program that offers hotel rewards, such as Velocity or KrisFlyer
Velocity Frequent Flyer
  • Redeem Velocity Points for accommodation at over 400,000 properties around the world
  • Transfer hotel loyalty points into Velocity Points (with partner hotel chains)
  • Earn Velocity Points when you book directly with partner hotels
Qantas Frequent Flyer
  • Use Qantas Points to pay for hotel stays booked through Qantas Hotels, Luxury Escapes or TripADeal
  • Earn Qantas Points with hotel partners including Qantas Hotels, Luxury Escapes or TripADeal

What other travel benefits can I get with a hotel credit card?

hotel poolside

If you’re interested in getting a credit card that offers hotel rewards, here are some of the other benefits you could enjoy:

  • Credit card hotel deals. Sometimes, you can get promotional hotel offers through your credit card – especially with complimentary programs including Visa Offers + Perks, Mastercard Priceless and Amex Offers. For example, cashback or discounts on a booking, complimentary breakfast or a welcome gift. You can check the Visa, Mastercard or Amex website for current deals before you book to see if there's any that fit your plans.
  • Reward points. You’ll earn points for every $1 spent on eligible purchases made with a credit card that offers hotel rewards, which you can then use to redeem free hotel stays and other benefits.
  • Complimentary travel insurance. Most premium credit cards offer complimentary travel insurance that could cover you for trips overseas or domestically. Just remember to check the activation and eligibility requirements for this insurance to make sure you’ll be covered.
  • Concierge services. Many premium hotel credit cards also come with a concierge service that can help you with your travel bookings, restaurant recommendations or even find gifts for your loved ones.
  • Airport lounge access. A wide range of travel reward credit cards also offer complimentary airport lounge access so you can start or end your journey in style.

How do I find the best hotel credit card?

The best hotel credit card differs for every person. It really comes down to your travel needs and whether or not the benefits of the card are worth paying the card and points program fees.

To help you make a good decision when comparing cards with hotel benefits, focus on the following:

  • Hotel partner or partners. Most of these credit cards only offer hotel benefits with specific brands or partners. In general, the reward programs that offer booking services (Membership Rewards, Velocity, Qantas Frequent Flyer, etc.) will also give you a greater number of hotel options around the world.
  • Points per $1 spent. Credit cards that earn a higher rate of points per $1 spent can help you get hotel rewards faster. But it’s also good to check how many points you’ll need to redeem hotel stays so that you can choose a card that offers the most value to you.
  • Annual fee. The annual fee for this type of credit card can be worth hundreds of dollars. To get value from your card, the potential rewards you’ll get and any other benefits should be worth more than this charge.
  • Interest rates. If you carry a balance, the purchase rate for the card will add to your costs and could outweigh the value of any rewards. Ideally, you should aim to pay off your balance in full by the due date on your statement for this type of card. Otherwise, it may be better to consider a low rate credit card instead.
  • Other extras. Using complimentary perks such as travel insurance, flight vouchers and airport lounge access can help offset the costs of a credit card – especially if you're a frequent traveller.

Example: Comparing hotel credit cards

Let's take a look at 2 different credit cards that offer rewards and hotel perks.

CardAnnual feeInterest rate for purchasesPoints per $1Hotel benefits
Citi Prestige$700 p.a.21.49% p.a.
  • 3 points per $1 on eligible international spending
  • 3 points per $1 on selected domestic purchases made at major restaurants, hotel chains and airlines (flights only)
  • 2 points per $1 on selected domestic purchases made at major petrol outlets, supermarkets and national retailers
  • 1 point per $1 spent on other eligible transactions
  • Get a fourth night free night at participating hotels when you stay for at least 4 nights in a row.
American Express Explorer$395 p.a.23.99% p.a.
  • 2 points per $1 spent on eligible purchases
  • 1 points per $1 spent with government bodies in Australia
  • A $400 travel credit each year towards any hotels, flights or car hire booked online with American Express Travel. You can use this credit to book travel for anyone you choose
  • Transfer Membership Rewards points to Hilton Honors or Starwood Preferred Guest.

In this case, both cards have relatively high annual fees and interest rates for purchases. The key is to think about whether the points and hotel benefits will balance out the card costs.

With the Citi Prestige, the value of the hotel benefits depend on where you use them and how often you use them. For example, if you used the fourth night free benefit up to 4 times a year at hotels with an average night cost of $200, you'd get around $800 value from it.

In comparison, the American Express Explorer offers a $400 yearly travel credit, which you could use to completely offset the annual fee. So it's worth thinking about how often you travel and how much you'll be able to use the benefits to get value from a credit card with hotel perks.

Do I need a credit card to check-in to a hotel?

Most hotels do ask for a card (along with your ID) when you check-in, but you can usually give them either a credit card or a debit card that's issued in your name.

As well as helping to verify your identity, the card details are used as a security deposit for any additional charges, such as room service or minibar drinks/snacks.

In most cases, the hotel will put an authorisation hold on the card, which could be anything from $1 up to $100 or more per stay. This usually shows up as a "pending" transaction on your account (so that you can't spend it). When you check out, the money is released and goes back into your account – assuming you haven't used any extras.
Pictures: Shutterstock

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