hotel-credit-cards

Hotel Credit Cards

Save money on your worldwide accommodation and enjoy exclusive benefits with a hotel rewards credit card.

A number of reward and frequent flyer credit cards offer hotel rewards including free nights and points for popular hotel loyalty programs such as Hilton Honors or Starwood Preferred Guest. Depending on the card you choose, you could also enjoy a number of other exclusive benefits such as premium membership status, room upgrades and travel insurance.

Use this guide to learn about the different types of hotel rewards available, compare hotel credit cards and learn more about other features so that you can find an option that suits your needs.

Compare credit cards that offer hotel rewards and benefits

Rates last updated October 18th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Premium Card
25,000 bonus points
0.5
1
19.99% p.a.
$250 p.a.
A dual Amex and Visa card that earns up to 1 Qantas Point per $1 spent on eligible purchases, plus a 24/7 personal concierge.
Citi Rewards Platinum Credit Card
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within the first 3 months and complimentary travel insurance.
St.George Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 1 Amplify Rewards Point per $1 spent and receive complimentary overseas travel insurance.
NAB Rewards Signature Card
90,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Receive 90,000 bonus points when you spend $4,000 on everyday purchases in the first 60 days of account opening.
David Jones American Express Platinum Card
40,000 bonus points
1
20.74% p.a.
$295 p.a.
Receive invitations to exclusive Season Launch Parades and fashion events, complimentary priority delivery and personal shopping perks.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
NAB Rewards Business Signature Card
75,000 bonus points
1.25
18.50% p.a.
$175 p.a.
Earn 75,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.
ANZ Rewards Platinum
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
NAB Rewards Platinum Card
60,000 bonus points
1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
Citi Rewards Classic Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 1 point per $1 spent on all eligible Domestic Spend (up to $5,000 per period) and membership to the Citibank Dining Program.
David Jones American Express
20,000 bonus points
1
20.74% p.a.
$99 p.a.
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
Bank of Melbourne Amplify Signature
60,000 bonus points
1.5
0
19.49% p.a.
$279 p.a.
Earn 1.5 Amplify Rewards Points per $1 spent and receive an additional card at no extra cost.
St.George Amplify Signature
60,000 bonus points
1.5
19.49% p.a.
$279 p.a.
Earn up to 1.5 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
American Express Platinum Edge Credit Card
1
20.74% p.a.
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
BankSA Amplify Platinum
40,000 bonus points
1
19.49% p.a.
$99 p.a.
Earn 1 Amplify Rewards Point per $1 spent and redeem for a wide range of products including flights.
NAB Qantas Rewards Signature Card
90,000 bonus points
1
19.99% p.a.
$395 p.a.
Receive 90,000 bonus Qantas points when you spend $4,000 on everyday purchases within 60 days of account opening.
American Express Essential®  Credit Card
1
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
BankSA Amplify Signature
60,000 bonus points
1.5
0
19.49% p.a.
$279 p.a.
Earn 1.5 Amplify Rewards Points per $1 spent, receive complimentary travel insurance and access to the Visa Luxury Hotel Collection.
NAB flybuys Rewards Card
1
19.99% p.a.
$95 p.a.
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.

Compare up to 4 providers

What hotel rewards can I get with a credit card?

The Hilton HHonors Macquarie Platinum is currently the only credit card in Australia that is directly linked to a hotel rewards program. But many other reward credit cards let you use points for hotel stays or give you the option of transferring your points to a partnered hotel loyalty program.

The table below offers details of the hotel benefits available through popular credit card reward programs. This includes bank reward programs, as well as Qantas and Velocity Frequent Flyer, which are also often linked to specific credit cards.

Rewards programHotel benefitsOther details
American Express Membership Rewards
  • Transfer points to your Hilton Honors or Starwood Preferred Guest loyalty account.
  • Use points to pay for hotel stays booked through American Express travel, Webjet or Helloworld.
Point transfers. The transfer rates vary depending on your Membership Rewards stream. As a guide, the Amex website lists the Hilton Honors transfer rate as 1:1 and the SPG rate as 2:1 with a minimum of 1,000 Membership Rewards points per transfer.

Points for hotel stays. The value you get for your points varies depending on your Membership Rewards stream and the booking service you use. As an example, the Membership Rewards Gateway stream offers $100 worth of hotel rewards value for 13,500 points.

Amplify Rewards (St.George/Bank of Melbourne/BankSA)
  • Use your points to pay for hotel bookings around the world through the Amplify Travel booking service.
The amounts of points you’ll need varies depending on factors such as the hotel, room type and time of booking.As an example, a two-night, weekend stay at the Mercure in Sydney started from 155,450 points when we did a search in August 2017.
ANZ Rewards
  • Redeem your points for hotel gift cards from Crown, QT Hotel and Spa or Rydges.
Gift card options. Hotel gift cards are available for values of $100. You can also get QT and Rydges gift cards worth $250.

Gift card values. As of August 2017, a $100 gift card costs 18,185 ANZ Rewards points and a $250 gift card costs 45,455 points to redeem.

CommBank Awards
  • Use points to pay for hotel bookings at Flight Centre.
  • Redeem points for hotel gift cards.
Flight Centre rewards. You can use your CommBank Awards points to instantly pay for travel at Flight Centre. You also have the option of using a combination of points and cash for your booking.

Hotel gift cards. Use your points to redeem gift cards from travel/hotel partners including Flight Centre and Crown.

Citi Rewards
  • Redeem points for hotel bookings through the Citi Rewards Travel Centre.
  • Redeem points for hotel gift cards.
Travel Centre bookings. The amount of points varies based on factors including your travel dates, the hotel, room type and number of nights you plan to stay. You will be able to see these details when you log in to your Citi Rewards account and start the booking process.

Hotel gift cards. You can redeem Citi Rewards points for Rydges gift cards. Log in to your Citi Rewards account to see the points required and the value of gift cards available to you.

NAB Rewards
  • Use points to pay for hotel bookings made through Webjet.
  • Redeem points for travel or hotel gift cards from Choice Hotels, Crown or Webjet.
Webjet hotel bookings. The amount of points required varies and will be shown to you when you have logged in to your NAB Rewards account.

Hotel gift card rewards. The amount of points you need for hotel gift cards varies and will be shown when you log in to your NAB account. In August 2017, a $100 gift card for Choice Hotels, Crown Hotels or Webjet required 19,230 points.

Velocity Frequent Flyer
  • Use points to pay for hotel stays at over 550,000 properties booked via Velocity and Kaligo.
  • Use your points to get hotel gift cards for Choice Hotels, Crown Hotels Melbourne, Hilton Hotels and InterContinental Hotels (including Holiday Inn).
Hotel stays. To redeem Velocity Points for hotel stays booked directly, just log on to your account and follow the prompts to redeem via Kaligo. The amount of points needed varies and is shown during the booking process.

Hotel gift cards. The amount of points needed varies depending on factors including the hotel brand and dollar value of the gift card.

As an example, in August 2017, a $100 gift card for Choice, Hilton or InterContinental was worth 17,000 Velocity Points. A Crown Hotels Melbourne gift card for $100, on the other hand, was worth 15,000 points.

Qantas Frequent Flyer
  • Use points for bookings made directly through Qantas Classic Hotel Rewards and Points Plus Pay – Hotels.
  • Redeem points for hotel and travel gift cards from Accor, Cruiseco and Crown.
Qantas hotel rewards. You can redeem Qantas Points for hotel stays around the world through the Classic Hotel Rewards. You can also use a combination of points and cash through the Points Plus Pay – Hotel option. The amount of points and hotel availability varies, so make sure you log in and check details before planning a redemption.

Hotel gift cards and vouchers. Accor and Crown vouchers are valid for 9 months, while Cruiseco vouchers are valid for 12 months. Location restrictions may apply depending on the gift voucher.

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

complimentary-hotel-accomodation

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

  • 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.
  • Flight or travel vouchers. Some reward and frequent flyer credit cards, such as the Virgin High Flyer or American Express Explorer, offer you a complimentary flight or travel voucher each year when you meet a spending requirement. This can help you save hundreds of dollars on travel and may offset the cost of the card’s annual fee.
  • 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 to compare hotel credit cards

If you’re interested in getting a credit card that offers hotel rewards and benefits, make sure you weigh up the following features to help you find an option that suits your needs:

  • Hotel partner or partners. Most of these credit cards only offer hotel benefits with specific brands or partners. For example, the Hilton HHonors Macquarie Platinum will only give you benefits at Hilton Hotels. 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.

Compare hotel credit cards trending now

Compare the features and benefits of these popular credit cards on finder.com.au.

CardAnnual feePoints per $1Hotel benefits
Hilton HHonors Macquarie Platinum$295 p.a.
  • 4 points per $1 spent at hotels and resorts in the Hilton Portfolio
  • 1 point per $1 spent on all other eligible purchases
  • Hilton Honors Gold status.
  • Honors Diamond status when you spend $40,000 in a year/
  • One reward weekend night certificate per year when you spend at least $12,000 p.a.
  • A bonus reward weekend night certificate when you apply, are approved and spend $2,000 in the first 3 months.
Citi Prestige$700 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.
  • Enjoy a complimentary international or domestic hotel stay with a premium hotel partner each year you have the card
  • A free night at participating hotels when you stay for at least four consecutive nights
American Express Explorer$395 p.a.
  • 2 points per $1 spent on eligible purchases
  • 0.5 points per $1 spent with government bodies in Australia
  • A $400 travel credit each year towards any hotels, flights experiences or car hire booked online with American Express Travel at americanexpress.com.au/travel. You can use this credit to book travel for anyone you choose.
  • The option to transfer Membership Rewards points to Hilton Honors or Starwood Preferred Guest.

Most reward and frequent flyer credit cards let you use points for free hotel stays and other benefits. But the specific features and costs of the cards vary, so make sure you weigh up all the features to find a hotel credit card that fits your budget and travel goals.

Back to topPictures: Shutterstock

Was this content helpful to you? No  Yes

Related Posts

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question