Hotel Credit Cards with Rewards, Discounts and Perks

1 - 11 of 63

Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
NAB Rewards Platinum Card NAB Rewards	Bonus points 100,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $45 first year ($195 after)	Go to site More Info Compare	Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
NAB Rewards Platinum Card – Velocity Points Velocity Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $95 first year ($195 after)	Go to site More Info Compare	Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
Qantas Premier Everyday Qantas Frequent Flyer	Bonus points 8,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $99	Go to site More Info Compare	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 250,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $875 first year ($1,750 after)	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount.
American Express Platinum Card Membership Rewards	Bonus points 150,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,450	Go to site More Info Compare	Earn 150,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
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 site More Info Compare	Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
Westpac Altitude Platinum Card Westpac Altitude Rewards	Bonus points 120,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $99 first year ($175 after)	Go to site More Info Compare	Up to 120,000 bonus Altitude Points (90,000 points in year 1 when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
St.George Amplify Signature Amplify Rewards	Bonus points 150,000	Points per $ spent 1.5	Purchase rate p.a. 20.99%	Annual fee $199 first year ($295 after)	Go to site More Info Compare	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 Business Gold Plus Card Membership Rewards Ascent	Bonus points 150,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $395	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 150,000 Membership Rewards Bonus Points when you spend $5,000 within the first 3 months. Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Finder Award Velocity Frequent Flyer	Bonus points N/A	Points per $ spent 0.66	Purchase rate p.a. 20.74%	Annual fee $149	Go to site More Info Compare	Get 0% p.a. on balance transfers for 24 months (with 1% BT fee) and $129 Virgin Australia Gift Voucher.
American Express Essential Rewards Credit Card Membership Rewards	Bonus points 40,000	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $108	Go to site More Info Compare	Offers 40,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months.

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There are no hotel-branded credit cards in Australia. Many rewards credit cards and frequent flyer cards offer:

Rewards points you can redeem for hotels stays.
Point transfers to a partner hotel loyalty program.
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.

Credit card reward programs that offer hotel benefits

Search by rewards program

Rewards program	Hotel benefits
American Express Membership Rewards	With Amex platinum cards you can get travel credit that you can spend on hotels. You can also book accommodation via Fine Hotels + Resorts and get perks like late checkout, room upgrades and food and drink credit. You can transfer Membership Rewards points to partner hotel loyalty programs like Marriott Bonvoy, or to a frequent flyer program partner. Use points to book hotel stays through American Express Travel, Webjet or Helloworld
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 With Visa Platinum and Signature cards you can access hotel offers through the Visa Luxury Hotel Collection.
CommBank Awards	Use points to pay for hotel bookings at Flight Centre (excludes online bookings) or Travel Booking Transfer points to Velocity or Qantas Frequent Flyer programs to redeem for other hotel-specific rewards
Citi Rewards	Redeem points for travel or hotel gift cards for brands like Luxury Escapes Access special hotel offers with discounts and other benefits Transfer points to a partner loyalty program, such as Velocity or KrisFlyer
NAB Rewards	Use points to pay for hotel bookings made through Webjet Convert NAB Rewards Points to Accor Live Limitless (ALL) Points. 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, Cathay Pacific or KrisFlyer
Velocity Frequent Flyer	Redeem Velocity Points for accommodation at over 400,000 properties around the world Transfer hotel loyalty points (Accor, Hitlon, Marriott, Choice Hotels and more) to Velocity Points 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 (over 500,000 hotels worldwide), Luxury Escapes or TripADeal Earn Qantas Points with hotel partners including Qantas Hotels, Luxury Escapes, Airbnb or TripADeal

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

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.

The Citi Prestige Credit Card. This card has a $700 p.a. annual fee. If offers credit back on the 4th night of an eligible hotel stay booked with Luxury Escapes, capped at up to $1,000 per booking. You can redeem this offer 4 times a year.
The American Express Explorer Credit Card. This card has a $395 p.a. annual fee. It offers a $400 annual travel credit which you can redeem for hotels or flights, car hire or more. You can also receive up to $100 hotel credit at select hotels in the Hotel Collection.

Both cards here offer some nice hotel perks. But they have quite high annual fees. For the Amex Explorer card, the travel credit totally offsets the fee. So if you use the credit, and take advantage of the many other non-hotel card benefits, you'll get value out of it.

With the Citi Prestige card you could more than offset the cost of the annual fee with the 4th night credit back offer. They key is to plan ahead, read the fine print and make full use of the benefit.

"I once used my Qantas points, which I mainly earned through credit card bonuses and spending, to redeem a stay at the beautiful Versace Hotel on the Gold Coast. It would have been over $600 if we paid, and we redeemed the stay for 55,000 points. It was a such a bougie hotel, and I'm even more pleased we had that luxe experience now that the Versace has closed, and the hotel has been rebranded as the Imperial Palace. Still a beautiful hotel – but not quite Versace!"

Sarah Megginson

Head of editorial

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.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 565 Finder guides across topics including:

Credit cards
Frequent flyer
Credit score
BNPL
Money management
Sustainability

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Hotel credit cards