Hotel Credit Cards

Find and compare the very best hotel rewards credit cards that offer you the biggest savings and the finest rewards.

Once you have found the card that suits your requirements, you can apply online and start enjoying the benefits of your new card straight away.

My monthly spend: 
$5,000
 
Features: 
All features
Types: 
All types
rewards program
earn rate
sign up bonus
Points earned
American Express Business Explorer Credit Card
Apply by 29 apr 19
Receive 100,000 points when you apply by 29th April 2019, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Enjoy up to two entries per year to the American Express Lounge.
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Membership Rewards Gateway
Membership Rewards Gateway
2 pts
per $1 spent
100,000
points
after spend criteria
Transfers to 75,000
Velocity points
Get 50,000 points when you apply online, are approved and spend $3,000 in the first 3 months.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
Enjoy up to two entries per year to the American Express Lounge at Sydney or Melbourne Airports.
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Membership Rewards Gateway
Membership Rewards Gateway
2 pts
per $1 spent
50,000
points
after spend criteria
Transfers to 37,500
Velocity points
Earn 80,000 points when you apply online, are approved and spend $3,000 in the first 3 months.
Complimentary access for you and a guest to over 1,200 Airport lounges across 130 countries.
Point redemption rates will change as of 15 April 2019. Please go to bit.ly/rwd415 for more details.
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Membership Rewards Ascent Premium
Membership Rewards Ascent Premium
1 pt
per $1 spent
80,000
points
after spend criteria
Transfers to 80,000
Velocity points
Citi Prestige Card
Apply by 31 mar 19
Earn up to 400,000 points. (Conditions Apply)
3 pts per $1 spent on all eligible International Spend.
One of the most prestigious credit cards for high income earners.
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Citi Rewards
Citi Rewards
1 pt
per $1 spent
400,000
points
Earn 1 Membership Rewards point for each dollar spent.
No pre-set spending limit means more flexibility.
Extend your cash flow up to 51 days.
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Membership Rewards Ascent
Membership Rewards Ascent
1 pt
per $1 spent
-
Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
15,000
Membership Rewards points
after spend criteria
Receive 30,000 Membership Rewards points or 15,000 Qantas Points when you apply, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
30,000
Membership Rewards points
after spend criteria
Start your holiday with a $200 Travel Credit every year.
0% p.a. for 12 months for balance transfers and a one-off credit plan establishment fee of 1%.
Point redemption rates will change as of 15 April 2019. Please go to bit.ly/rwd415 for more details.
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Membership Rewards
Membership Rewards
1 pt
per $1 spent
-
American Express Qantas Business Rewards Card
Apply by 28 feb 19
100,000 bonus Qantas Points when you are approved by 28th Feb 2019 and spend $3,000 in 2 months.
Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
Earn 2 Qantas Points per $1 spent on Qantas products and services.
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Qantas Business Rewards
Qantas Business Rewards
1.25 pts
per $1 spent
100,000
points
after spend criteria
Earn 30,000 points when you apply online as a new Card Member, are approved and spend $3,000 in 3 months of Card Membership.
Relax with 2 complimentary Qantas Club invitations every year. (Conditions Apply)
Complimentary domestic and international travel insurance.
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Qantas Frequent Flyer
Qantas Frequent Flyer
1 pt
per $1 spent
30,000
points
after spend criteria
NEW
American Express Qantas Ultimate Credit Card
Apply by 14 apr 19
2 reviews
Get 100,000 bonus Qantas Points when you apply online by 14 April 2019, are approved and spend $3,000 on your new Card within the first 3 months.
Earn 1.25 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
$450 Qantas Travel Credit each year. (Conditions Apply)
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Qantas Frequent Flyer
Qantas Frequent Flyer
1.25 pts
per $1 spent
100,000
points
after spend criteria
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Win up to $1,000

When you get your credit score and apply for a credit card by March 1, 2019.

Q&As about Hotel Credit Cards from customers

Q: What is a hotel credit card?

If you travel for business or can afford to holiday often then getting a credit card with hotel rewards may be a good option for you to consider. Take a moment to look through the credit cards shown on our comparison table and consider the various rates, fees, credit limits, points and rewards on offer.

There are many credit cards available form Australian banks that are linked with one of the major frequent flyer reward programs (Qantas, Virgin or AmEx). These rewards programs give you the option to redeem your points as hotel vouchers or hotel gift cards. You can then use these vouchers to cut the cost of your hotel stay, along with a wide variety of other travel rewards, retail products and many other services.

Q: What’s the point of having a hotel credit card?

You can be enrolled in Qantas Frequent Flyer or Velocity Rewards without having a credit card. But if you’ve got a credit card that’s linked to one of these rewards program you can earn points as you spend on your credit card, thereby accelerating the growth of your points total.

Q: What hotel chains can I use my points at?

Hotel rewards cards generally feature options to redeem points for either hotel vouchers, gift cards, or to simply log on to the program’s website and book hotels using your points. The places that you can choose from to use you points at depends on the particular program, but each offers accommodation at thousands of affiliated hotels, resorts, apartments and inns around the world. You should check that the program provides access to hotels and destinations that you want to visit.

Q: What about earning points by staying at hotels?

The other side to the equation is earning points. You earn extra points when you book accommodation at the program’s partner hotels, which vary between the different programs, but again is a choice of thousands of international hotels. You’ll also earn rewards points simply by using your card to make purchases, although earn rates do vary.

Q: How do I make sure I earn extra points for staying at a hotel?

If you are looking for somewhere to stay, check that the hotel is affiliated with your rewards program by logging into the program’s online store and browse for hotels. When you make the booking quote your membership number to ensure the points are correctly applied to your account.

You should also take note that some bookings do not earn points including discounted, group, wholesale, convention, package and special promotional room rates.

Q: What about bonus points and free rooms?

When you first sign-up for a hotel credit card the provider often gives you bonus points, a lump sum of points to get you started on the program. Some programs feature ongoing hotel rewards such as one free night’s stay per year, along with a rolling selection of special offers and discounts.

Q: What other benefits can I enjoy?

Hotel credit cards provide access to many other benefits such as concierge services, room upgrades, free entry to spa and gym facilities and restaurant discounts. If you fly to reach your hotel you may also gain entry to the VIP airport lounge. Additionally, these credit cards also often feature insurance and payment protection to cover you when you are travelling. The specific benefits depend on the individual card; always check before applying to see what perks are available.

Q: What other factors should I consider when comparing deals?

Study all the features of a hotel credit card before applying to make sure that the package offers real value for money.

Purchase interest rate: You should always aim to clear the balance on your account every month, but if you do have an ongoing debt it will start to attract interest. The purchase rate should be low enough so that if you do carry over a balance to the next month the interest doesn’t nullify the scheme’s benefits. Sometimes you can apply for a card that has a promotional offer, such as 0% interest on purchases for a few months. Just make sure you know what the promotional rate will revert to – the deal may not be as good as you initially thought if it reverts to 20% or more.

Annual account management fees: The majority of hotel credit cards feature a high annual fee, with the most prestigious platinum cards attracting a significantly larger fee than other cards. Make sure the annual fee is affordable and comes with extra perks you can make use of.

Terms and conditions: Most hotel rewards programs have extensive rules and regulations regarding how points are earned, redeemed and capped. Your points may also expire and your membership terminate if you do not earn or redeem points for a certain period of time. Always familiarise yourself with the terms and condition so you know how to get the most out of your new card.

Q: How do I get the most out of it?

Obviously, you can get the biggest benefits if you are regularly booking rooms, staying at hotels, earning and redeeming points. In order to earn plenty of points you also need to be using your card for lots of spending, paying for everyday purchases, payments and direct debits. This doesn’t mean you should overspend, just pay for your normal expenses on the credit card.

It’s important that you try to always pay your monthly balance in full. If you have an ongoing debt on your account, it will accrue interest, which can quickly wipe out the benefits of the rewards program.

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