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Marriott Rewards hotel loyalty program

Earn reward points and enjoy exclusive perks every time you stay in a hotel with the Marriott Rewards program.

Marriott Rewards is a hotel loyalty program that allows you to earn points and enjoy other benefits when you stay at nearly 6,000 Marriott International properties around the world. Here we look at how the program works, options for earning and redeeming points, membership levels and other key factors so that you can decide if you want to become a member.

How does the Marriott Rewards program work?marriott-rewards-logo

The Marriott Rewards program provides exclusive member benefits when you sign up and make your Marriott hotel bookings directly with the company. Members are then awarded points per US$1 spent on eligible stays, with the option of either Marriott Rewards points or frequent flyer points for a partner airline program.

You can also earn points for meetings and events held at eligible properties. Depending on the rewards that you choose to earn, you can then redeem them for stays and services at Marriott properties, or for travel and other benefits through a partner loyalty program.

In addition to earning points, Marriott Rewards members can enjoy a range of other benefits at Marriott properties, including the lowest rates and complimentary Internet access for stays booked directly through the program. Higher-status members can also enjoy benefits such as complimentary room upgrades, complimentary breakfasts and late check-out.

How do I join Marriott Rewards?

There is no fee to join the Marriott Rewards program, and you can sign up online by following these simple steps:

  1. Go to www.marriott.com.au and click the “Join Now” button found on the home page or in the main menu.
  2. Enter your name, country, email address and create a password for the account.
  3. Click the “Join” button and follow the prompts to confirm and activate your account via email.

Once you’ve completed these steps, you’re ready to start using the program.

Marriott Rewards, Starwood Preferred Guest and The Ritz-Carlton Rewards alliance

The Marriott portfolio of hotels has expanded to include over 30 property brands and two other rewards programs: Starwood Preferred Guest (SPG) and The Ritz-Carlton Rewards. At this stage, Marriott Rewards, SPG and The Ritz-Carlton Rewards are all separate programs. But memberships between them can now be linked to allow you to enjoy equal status, transfer points and get more benefits when staying at partner hotels.

As an example, you can transfer three Marriott Rewards or The Ritz-Carlton Rewards points for one SPG “Starpoint” reward point to gain access to even more hotels and redemption options. This effectively means you can maximise your Marriott Rewards points by becoming an SPG member and transferring points you earn when you stay with any of the following brands:

  • aloft
  • Design Hotels
  • element
  • Four Points
  • Le Meridien
  • The Luxury Hotels
  • Sheraton
  • St Regis
  • Tribute
  • Westin
  • W Hotels

Marriott International has also indicated it may combine Marriott Rewards and the Starwood Preferred Guest program in the future, but not until at least 2018. In the meantime, updates will be provided on each rewards website.

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Earning Marriott Rewards points

The Marriott Rewards program offers a range of ways to earn points for hotel stays, events, travel and everyday spending. We’ve outlined the options for each category below.

  • Hotel stays

You can earn points for your room and up to two additional rooms during a qualifying stay at participating Marriott brand hotels or The Ritz-Carlton hotels. To be eligible, at least one of the rooms must be reserved and registered in your name, you must pay for all rooms and you must stay in one of the rooms. You also have to book directly through Marriott and provide your Marriott Rewards membership number for the booking.

Depending on where you stay, you can earn points on your room rate, meals and other services. We’ve outlined the different reward options in the table below:

Participating hotel brandsPoints offer
Autograph Collection

Delta Hotels

JW Marriott

Marriott

Marriott Vacation Club

Note: Atlantis, Paradise Island, Autograph Collection earns on room rate only. Delta Hotels only offer points per US$1 at participating hotels, with a full list available on the Marriott Rewards website

10 points per US$1
Or Up to 2 air miles per US$1 on all qualifying charges
AC Hotels

Courtyard Marriott

EDITION

Fairfield Inns & Suites

Gaylord Hotels

Moxy Hotels

Protea Hotels

The Ritz-Carlton Hotel Company

SpringHill Suites

10 points per US$1
Or Up to 2 air miles per US$1 spent on your room rate
Residence Inn
TownePlace Suites
5 Marriott Rewards points per US$1
Or Up to 1 air mile per US$1 spent on your room rate
Marriott Executive Apartments2.5 points per US$1 spent
Or 1 air mile per US$1 spent on room rate only
Plus 1 Elite night credit for every 3 nights stayed
ExecuStay2.5 points per US$1 on all qualifying charges of the stay at ExecuStay and 1 Elite night credit for every 3 nights stayed
  • Meetings and events

If you’re planning an event at a participating property, you can earn points for meeting services, events spaces and groups of rooms. The key details are:

  • Payment. You can earn points for events you plan, even when other guests are paying.
  • Maximum rewards. There is a cap of 50,000 points (up to three points per US$1) or 15,000 miles (up to one mile per US$1) per qualifying event.
  • Split rewards. You can share rewards (up to 50,000 points) with a colleague if you’re both rewards members.
  • Points for each room night. If rooms are booked overnight, you’ll earn points on the spending, regardless of whether you or your guest is paying for it.
  • Elite night credit or status. Depending on your booking, you can earn instant Silver Elite status or Elite nights towards your next membership level. For example, if you book 10 or more guest rooms for at least one night, you can earn up to 10 Elite nights.
  • Other travel

Marriott Rewards has partnered with a range of companies to allow you to earn points for other travel spending. Key categories and offers include:

  • Car hire. Hertz and Sixt offer points for rentals and upgrades. Rates vary based on the company and location of the car hire. For example, Hertz offers 2,000 points per car rental of two to four days and 5,000 points per rental of five or more days for hire in Australia, New Zealand, Canada, Europe, Mexico, Puerto Rico or the US. This offer is valid for cars that are hired and picked up through till 31 May 2017.
  • International phone services. International phone roaming service Travelling Connect offers up to 10 Marriott Rewards points per minute of call time abroad with participating networks in Europe, the Middle East, Africa, America and Asia. The service is free of charge and partners with over 25 mobile networks including Cable and Wireless, Conexus Mobile Alliance, du, Etisalat, Ooredoo, TeliaSonera, Turkcell, VimpelCom, Vodafone and Zain.
  • Las Vegas stays at The Cosmopolitan. If you become a member of The Cosmopolitan of Las Vegas’s Identity rewards program, you can convert your Identity points to Marriott Rewards points at a rate of 1:1. You can transfer a maximum of 100,000 points per calendar year.
  • Friend referral

Referring friends to the Marriott Rewards program can help boost your point balance by up to 50,000 points per year if they sign up and stay with partner hotels. The key details are:

  • Points offer. Refer a friend and you’ll earn 2,000 points for each stay they make, up to five stays. That means you can earn up to 10,000 points per referral.
  • Referral limits. You can refer up to five people per year.
  • Points limits. You can earn up to 50,000 points per year for referrals (up to 10,000 per referred person).
  • Bonus points for referred friends. The people you refer to Marriott Rewards will also be able to earn a bonus 2,000 points per paid stay, up to five stays.
  • Qualifying stays. Stays your referrals make at any participating Marriott hotel qualify for this offer. Note that they must be made within 365 days of the referred member’s enrollment.
  • No frequent flyer miles. You are not eligible to earn miles through the Refer A Friend option.
  • Can I earn Marriott Rewards with a credit card?

At the moment, there are no reward credit cards in Australia that allow you to directly earn Marriott Rewards, or to transfer points to the program. If you want to earn more Marriott Rewards through a credit card, you could consider a rewards program that offers point transfers to SPG, such those linked to Diners Club Rewards or American Express Membership Rewards.

With cards enrolled in these programs, you could transfer your points to Starpoints, then convert them to Marriott Rewards. However, it would usually be more effective to consider other redemption options that involve fewer steps, such as redeeming points for hotel stays directly through Diners Club Rewards or Membership Rewards.

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Earning frequent flyer points through the Marriott Rewards program

You have the choice to earn either Marriott Rewards or frequent flyer points with a partner program such as Qantas Frequent Flyer, Emirates Skywards, Etihad Guest or Singapore Airlines KrisFlyer. To earn miles, you need to change your program preferences using the following steps:

  1. Log in to your Marriott Rewards account.
  2. Go to “Profile” and scroll down to “Earn Preferences”.
  3. Click “Edit” and select the “Miles” option.
  4. Choose your frequent flyer program from the drop-down list, enter your membership number and hit “Submit” to confirm.

There are over 40 frequent flyer and travel reward program partners connected to Marriott Rewards. A full list of partners and points earn rates are available on the Marriott Rewards website, and we’ve outlined the amount of points earned for key frequent flyer programs below.

Frequent flyer programPoints earned
American Airlines AAdvantage2 miles per US$1 spent on all qualifying charges:

  • JW Marriott
  • Autograph Collection
  • Renaissance Hotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 mile per US$1 spent on room rate:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels
Asia Miles (Cathay Pacific)2 airline miles per US$1 spent on all qualifying charges:

  • JW Marriott
  • Autograph Collection
  • Renaissance Hotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 airline miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 airline mile per US$1 spent on room rate:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels
Emirates Skywards2 Skywards Miles per US$1 spent on all qualifying charges:

  • JW Marriott
  • Autograph Collection
  • Renaissance Hotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 Skywards Miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 Skywards Mile per US$1 spent on room rate:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels
Etihad Airways Guest2 Etihad Guest Miles per US$1 spent on qualifying charges:

  • JW Marriott
  • Autograph Collection
  • RenaissanceHotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 Etihad Guest Miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 Etihad Guest Mile per US$1 spent on room rate only:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels
Japan Airlines JAL Mileage Bank2 airline miles per US$1 spent on all qualifying charges:

  • JW Marriott
  • Autograph Collection
  • Renaissance Hotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 airline miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 airline mile per US$1 spent on room rate:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels
Qantas Frequent FlyerWithin Australia3 Qantas Points per AUD$1 spent on all qualifying charges:

  • Marriott
  • Autograph Collection
  • Courtyard by Marriott

Outside Australia:

2 Qantas Points per US$1 spent on room rate:

  • Marriott
  • Renaissance Hotels
  • Marriott Vacation Club
  • JW Marriott
  • Autograph Collection (except for Atlantis)
  • EDITION
  • The Ritz-Carlton
  • Gaylord Hotels
  • Delta Hotels & Resorts

1 Qantas Point per US$1 spent on room rate only:

  • Courtyard Marriott
  • Fairfield Inn & Suites
  • TownePlace Suites
  • SpringHill Suites
  • Residence Inn
  • Marriott Executive Apartments
  • AC Hotels
  • Moxy Hotels
  • Protea Hotels
Singapore Airlines KrisFlyer2 airline miles per US$1 spent on all qualifying charges:

  • JW Marriott
  • Autograph Collection
  • Renaissance Hotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 airline miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 airline mile per US$1 spent on room rate:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels
United Mileage Plus2 airline miles per US$1 spent on all qualifying charges:

  • JW Marriott
  • Autograph Collection
  • Renaissance Hotels
  • Marriott
  • Delta Hotels
  • Marriott Vacation Club

2 airline miles per US$1 spent on room rate:

  • The Ritz-Carlton
  • EDITION
  • Gaylord Hotels

1 airline mile per US$1 spent on room rate:

  • Courtyard Marriott
  • AC Hotels
  • Fairfield Inn & Suites
  • SpringHill Suites
  • Residence Inn
  • TownePlace Suites
  • Marriott Executive Apartments
  • Moxy Hotels
  • Protea Hotels

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How can I use Marriott Rewards points?

If you choose to earn Marriott Rewards points, the range of redemption options include:

  • Free nights. Properties are grouped into categories and tiered, depending on the hotel brand, location and type, with redemptions starting from 7,500 points for a one-night stay in a Category 1 hotel. You can see the specific amount of points required when you search for properties on the Marriott Rewards website. For example, a single Saturday night stay at the Brisbane Marriott in May 2017 would be 30,000 points.
  • Room upgrades. You can use your points to upgrade your existing reward booking at a Marriott property. Point upgrade rewards start from 5,000 points each. Note that upgraded rooms require one or two Point Upgrade Rewards per night, and some hotels and resorts require three or more Point Upgrade Rewards per night, depending on the view or room type. Availability varies by hotel; check the details for your selected hotel when making a reservation.
  • Instant hotel redemptions. You can use the Instant Redemption option during your stay at participating Marriott hotels for cocktails, meals, spa experiences and anything you can charge to your hotel room. With this option, rewards have a fixed dollar value. For example, 2,500 points equals $5 value and 9,000 points equals $20 value. You can request an Instant Redemption award any time between check-in and check-out at a participating hotel.
  • Experiences Marketplace. You can redeem your points for a variety of unique experiences and adventures all around the world via the Experiences Marketplace service. Offers are subject to change, but recent examples include a Game of Thrones live concert experience for 50,000 points, and a private wine tasting and overnight stay at The Ritz-Carlton in Half Moon Bay (California) for 200,000 points.
  • Flights. The Marriott Rewards Air + Car booking service allows you to use your points for flights around the world. The number of points required varies based on fare costs and demand. As an example, a one-way economy flight from Los Angeles (LAX) to New York (JFK) with American Airlines on 30 June 2017 would cost 65,000 points or US$253.20 (based on search results from 18 January 2017).
  • Car hire. You can also use Marriott Rewards points for car hire via the Marriott Rewards Air + Car service. As an example of costs, a one-day car hire in Australia starts from around 17,500 points.
  • Priority Pass. You can redeem Marriott Rewards points for Priority Pass membership that gives you access to airport lounges all around the world. Standard Membership costs 20,000 points, Standard Plus costs 55,000 points and Prestige Membership costs 85,000 points.
  • Travel packages. You can use points to redeem a travel package that includes seven or more nights in a participating hotel. Packages start from 200,000 points for a seven-night stay in a Category 1 to 5 hotel.
  • Ctrip purchases. If you’re a member of this China-based travel web service, you can transfer Marriott Rewards to Ctrip Points to redeem travel through the site. Redemptions start from 10,000 Marriott Rewards points for 20,000 Ctrip Points.
  • Marriott Rewards shop. Marriott Rewards has its own online store where you can redeem points for a range of items including gift cards, electronics, homewares, sports items and jewellery. Options are available based on region (eg Australia). As an example, you could redeem 5,000 points for a $10 gift voucher for retailers including Coles, David Jones and Myer.
  • Donations. You can donate points to any of 1.5 million charities dedicated to causes from health to the environment and education to disaster relief, including Red Cross and Red Crescent Societies.
  • Meetings and events. Use your points to get aMarriott Meeting eGiftCard, starting from 7,500 points for a $30 gift card, up to 250,000 points for a $1,000 gift card.

What if I don’t have enough Marriott Rewards points?

Here are the main options you can consider if your points balance is lower than the amount required for your chosen reward:

  • Cash + Points. Many Marriott Rewards redemption options allow you to use a combination of points and cash (via card) when you book online. This includes any stay at participating Marriott International properties and Ritz-Carlton Rewards properties. For example, a single night Category 1 hotel stay could be redeemed for 3,000 points and $45 instead of 7,500. Cash + Points is also an option for flights and car hire booked through the Marriott Rewards Air + Car service.
  • PointSavers. This option allows you to save 33% on your reward redemption at selected hotels around the world. The offers are updated weekly, and will automatically show up when you’re searching for properties via the Marriott Rewards website. If you check the “My dates are flexible” option when you search, you can even compare reward redemptions over a period of time to find a rate that works for you.
  • Points Advance. This unique service allows you to book a redemption stay before you have enough points to pay for it in full, as long as you earn or purchase the needed points at least 14 days prior to check-in. This can be useful for bookings you’re making months in advance, as it gives you the flexibility to redeem rewards and then either earn points or pay the difference closer to the date of your stay.
  • Buy points. You can buy points at a purchase rate of US$12.50 per 1,000 points. It takes 24–48 hours for the transaction to be processed and you may purchase or receive as a gift a combined maximum of 50,000 points per calendar year.
  • Points sharing. You or another member of the Marriott Rewards program can transfer points between accounts, up to a maximum of 50,000 points per year. There is a transaction fee of US$10 per 1,000 points transferred, which is waived for Gold and Platinum Elite members.
  • Fifth redemption night free. If you use your points for a five-night stay in a standard room at an eligible Marriott International property, you’ll get the fifth night at no cost.

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Marriott Rewards membership status

Similar to many other travel loyalty programs, Marriott Rewards has different levels of membership you can progress to as you continue to stay and spend with program partners. Each status level offers an increasing number of benefits and perks with program partners, as well as the opportunity to earn bonus rewards.

When you first join the program as a standard member, you gain access to the following benefits:

  • The ability to earn reward points or airline miles
  • Lowest rates on Marriott International properties
  • Exclusive member offers
  • Complimentary in-room Internet access when you book direct through Marriott
  • Mobile check-in
  • The option to save travel preferences to your account
  • No blackout dates for rewards
  • Redemption stay credit
  • A one-year Hertz Gold membership offer

To progress to a higher membership level you must reach a specific number of qualifying stays per calendar year. A qualifying stay is any night in the current calendar year at a participating hotel at an eligible rate and paid for by the member.

Silver Elite

You’ll reach Silver Elite status when you stay more than 10 qualifying nights at Marriott Rewards properties. You can also earn Lifetime Silver Elite status if you stay 250 nights and earn 1.6 million points. Silver Elite status entitles you to all the benefits of a standard member, as well as the following:

  • 20% points bonus. You earn an extra 20% points on your eligible stays with Marriott Rewards hotels.
  • Priority phone services. You have access to anElite reservation line and exclusive Guest Services line for your bookings and queries. In Australia, you can use these services by calling 1800 251 259 (toll free).
  • Ultimate Reservation Guarantee. If you’re a Silver Elite member and Marriott Rewards is unable to honour your reservation, this service will pay for you to stay nearby and compensate you for the inconvenience.
  • Priority late check-out. Late check-out is based on availability and offered at all participating Marriott hotels, except Marriott Vacation Club. Simply call the front desk the morning of your check-out to let staff know your planned departure time.
  • Exclusive Elite offers. Gain access to a range of exclusive savings and offers throughout the year. These deals often include competitive weekend rates for Marriott Rewards properties all around the world, bonus point offers and partner offers.
  • Gift shop discount. Get a 10% discount at participating Marriott operated and managed gift shops when you present your Silver Elite membership card. At EDITION hotels and The Ritz-Carlton, this discount applies to Hotel logo merchandise only.
  • Weekend discount. You can enjoy a 10% discount on regular rates for Friday and Saturday night stays at participating Courtyard and SpringHill Suites locations around the world.
  • Exclusive Elite rewards. Elite members gain access to a wider range of redemption options, based on availability and preferences.

Gold Elite

Stay 50 qualifying nights or more at Marriott Rewards hotels and you’ll gain Gold Elite status. Lifetime status is also available if you stay 500 nights and earn 1.6 million points. In addition to the standard member and Silver Elite benefits, you’ll gain access to the following perks:

  • 25% bonus points. You’ll get 25% more points than standard members.
  • Guaranteed room type. Provide details of your preferences for room type and Marriott Rewards will honour them at all participating hotels around the world. At locations throughout the US and Canada, your bed-type request will also be honoured. Outside the US and Canada, smoking/non-smoking preferences are honoured based on availability, and exact bed sizes may vary. If this guarantee is not met, guest compensation applies, ranging from US$25 to US$100 in the US and Canada, with local currency applying elsewhere.
  • Complimentary room upgrade. Whenever possible, you can enjoy a room upgrade upon check-in to a Marriott Rewards hotel. Upgrades are subject to availability identified by each hotel and limited to your personal guestroom.
  • Complimentary enhanced in-room Internet access. This service is available for rooms in participating hotel brands including Marriott, Renaissance Hotels and The Ritz-Carlton. Note this access is not applicable in meeting rooms.
  • Guaranteed 4pm late check-out. You can make advanced requests for late check-out via the Marriott Rewards app. This benefit is guaranteed at most hotels except resort and convention hotels, where it is based upon availability. Marriott Vacation Club is excluded from this benefit.
  • Guaranteed lounge access and breakfast for two. As a Gold Elite member, you can enjoy free daily continental breakfast, light snacks and beverages for you and one guest. This is available in the Executive Lounge at JW Marriott, Autograph Collection, Renaissance and Marriott hotels, and Delta Hotels (resorts excluded). In the US and Canada, select hotels will even provide 750 or 1,000 points in lieu of breakfast in the event the lounge is closed.

Platinum Elite

The highest tier of this rewards program is reached if you stay 75 nights or more in eligible Marriott Rewards hotels. For lifetime status, you need to stay 750 nights and earn 2 million points. In addition to all benefits of other membership tiers, this entitles you to the following:

  • 50% bonus points. You’ll earn 50% more points than standard members when you stay with Marriott Rewards hotel partners.
  • 48-hour guaranteed room availability. Make a reservation at least 48 hours before arrival at more than 4,000 participating hotels and Marriott Rewards will guarantee you a room. Note that at Residence Inn and TownePlace Suites, this applies to studios only, and it excludes Marriott Vacation Club.
  • Arrival gift of bonus points, a food and beverage amenity or air miles. When you check-in at participating hotels, you’ll be given the choice of an amenity gift or bonus points. Note amenity gifts are not available at The Ritz-Carlton, EDITION and Marriott Vacation Club locations.

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What should I consider before joining Marriott Rewards?

Keep the following factors in mind so that you can decide if this travel loyalty program is right for you:

  • Cost. Unlike some other frequent flyer and travel rewards programs, there is no fee to join this program.
  • Point expiry. Points won’t expire as long as you earn or redeem them at least once every 24 months.
  • Membership status. Membership status is awarded each year you meet the relevant qualifying stay requirements. If you are a Silver, Gold or Platinum Elite member and you don’t meet these requirements, you will return to a standard membership level at the end of the calendar year.
  • Contact. TheMarriott Rewards Reservations phone number in Australia is 1800 251 259 (toll free). For customer support you can call (02) 8298 5250.

If you regularly stay at Marriott International properties, this program gives you a way to enjoy more benefits and ensure you get the most competitive room rates. It also allows you to earn points through the program or a frequent flyer partner. However, it has only a limited number of partners that allow you to earn and redeem points. As it’s not the only hotel reward program available, you may want to compare it to others or consider a frequent flyer program that might offer more options based on your travel goals and needs.

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Amy Bradney-George

Amy is a Senior Writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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