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.

1 - 13 of 60
Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
American Express Business Gold Plus Card
American Express Business Gold Plus Card image
Membership Rewards Ascent
Bonus points
200,000
Points per $ spent
1.5
Purchase rate p.a.
0%
Annual fee
$395
Go to siteMore Info
ABN holders w/ $75,000 revenue. New American Express card members can get 200,000 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.
David Jones Prestige Credit Card
David Jones Prestige Credit Card image
David Jones Rewards
Bonus points
60,000
Points per $ spent
1
Purchase rate p.a.
23.99%
Annual fee
$295
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Receive 60,000 David Jones Points when you spend $3,000 on eligible purchases within the first 90 days. Plus, enjoy complimentary insurance and lounge access.
American Express Platinum Card
American Express Platinum Card image
Membership Rewards
Bonus points
200,000
Points per $ spent
2.25
Purchase rate p.a.
0%
Annual fee
$1,450
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Limited time offer: Earn 200,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
American Express Explorer Credit Card
American Express Explorer Credit Card image
Membership Rewards
Bonus points
100,000
Points per $ spent
2
Purchase rate p.a.
23.99%
Annual fee
$395
Go to siteMore Info
Limited time offer: Get 100,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
American Express Platinum Business Card
American Express Platinum Business Card image
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 siteMore Info
Limited time offer: 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. ABN holders w/ $75,000 revenue.
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card image
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 siteMore Info
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
St.George Amplify Signature image
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 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.
Virgin Money Anytime Rewards Credit Card
Virgin Money Anytime Rewards Credit Card image
Virgin Money Rewards
Bonus points
80,000
Points per $ spent
1
Purchase rate p.a.
19.99%
Annual fee
$149
Go to siteMore Info
Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.
Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer
Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer image
Virgin Money Rewards
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
19.99%
Annual fee
$149
Go to siteMore Info
Save with a 0% balance transfer offer for 24 months (with a one-time 1% BT fee).
Qantas Premier Titanium
Qantas Premier Titanium image
Qantas Frequent Flyer
Bonus points
150,000
Points per $ spent
1.25
Purchase rate p.a.
20.99%
Annual fee
$1,200
Go to siteMore Info
Get 150,000 bonus Qantas Points when you spend $5,000 in the first 3 months. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.
Qantas Premier Everyday
Qantas Premier Everyday image
Qantas Frequent Flyer
Bonus points
8,000
Points per $ spent
0.75
Purchase rate p.a.
20.99%
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.
NAB Rewards Platinum Card – Velocity Points
NAB Rewards Platinum Card – Velocity Points image
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 siteMore Info
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.
NAB Rewards Platinum Card
NAB Rewards Platinum Card image
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 siteMore Info
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.
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Showing 13 of 13 results

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

Rewards program
Hotel benefits
  • 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.
  • 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
  • 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
  • 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
  • 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
  • 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.

Sarah Megginson's headshot

"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!"

Personal finance expert + Media spokesperson

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.

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

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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