Hotel credit cards

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

By   |   Verified by David Boyd   |   Updated 7 May 2024

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Comparing hotel credit cards

American Express Platinum Card

On website

Apply by 25 June 2024

American Express Platinum Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$1,450.00 p.a. ongoing

Highlights

  • Receive 150,000 Bonus Membership Rewards Points when you apply by 25 June 2024, are approved, and spend $5,000 on your new Card within the first 3 months. T&Cs apply. New Amex Card Members only.
  • Receive a $450 Platinum Travel Credit each year, which can be redeemed for flights, hotels, or car hire.
  • Enjoy up to $400 per calendar year when you dine from a curated collection of over 1,400 hand-selected restaurants both locally and abroad. Terms and Conditions apply.

Pros

  • Receive 150,000 Bonus Membership Rewards Points when you meet the criteria.
  • Receive a $450 Platinum Travel Credit each year.
  • Enjoy up to $400 Global Dining Credit per calendar year.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,450.
Westpac Altitude Black Credit Card (Altitude)

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$150.00 for 1st year

Highlights

  • Earn up to 150,000 bonus Altitude Points. Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Initial $150 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.

Pros

  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • Additional savings with the $150 first-year annual fee ($295 p.a. thereafter).
  • Earn 1.25 points per $1 spent on eligible purchases
  • Get 2 complimentary lounge passes each year with Priority Pass.

Cons

  • The high annual fee of $295 p.a. after the initial year.
American Express Qantas Ultimate Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$450.00 p.a. ongoing

Highlights

  • Receive 60,000 bonus Qantas Points when you apply by 28 May 2024 are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • Get 2 complimentary Qantas Club lounge invitations each year.
  • $450 Qantas Travel Credit each year (conditions apply).

Pros

  • Earn 60,000 bonus Qantas Points when you meet the criteria.
  • Excellent earn rates on everyday spending. Earns points on payments to the ATO.
  • Access to The Centurion® Lounge. after your first card spend on the card for Qantas products and services each anniversary year.
  • 2 complimentary Qantas Club lounge invitations each year.
  • Add cards for up to four family and friends at no cost.

Cons

  • The annual fee of $450.
  • There is no concierge service, even though it's a high end card.
  • Balance transfers are not possible.
  • Transactions in a foreign currency attract a fee.
Qantas Premier Platinum Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$349.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Qantas Points. Receive 70,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months from card approval. Plus an additional 30,000 bonus points if you have not earned Qantas Points with a credit card in the last 12 months. Terms and Conditions apply.
  • Enjoy 0% on Balance Transfer for 12 months with no Balance Transfer fee. Reverts to Cash Advance rate, thereafter. No interest-free days apply on retail purchases while you have a balance transfer.
  • Save with the reduced annual fee of $349 p.a. for the first year. An ongoing annual fee of $399 p.a. applies in the 2nd year.

Pros

  • Earn up to 100,000 bonus Qantas Points when you meet the criteria.
  • 0% p.a. for 12 months on balance transfers.
  • Additional savings with the $349 first-year annual fee.
  • Comes with complimentary travel insurance.

Cons

  • The annual fee increases to $399 p.a. after the initial year.
American Express Platinum Edge Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual fee in the first year, saving you $195.
  • Earn 3 Membership Rewards points per $1 spent at major supermarkets and petrol stations.
  • Enjoy $200 to spend on travel each year that can be used on eligible flights, hotels, or car hire when booked through American Express Travel.

Pros

  • $0 annual fee in the first year, saving you $195.
  • Receive $200 to spend on eligible domestic and international flights, hotels, or car hire with American Express Travel.
  • Smartphone Screen Cover for smartphone screen repairs up to $500.

Cons

  • The ongoing purchase rate of 23.99%.
American Express Explorer Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$395.00 p.a. ongoing

Highlights

  • Receive 50,000 Bonus Membership Rewards Points when you apply, are approved, and spend $4,000 on your new Card within the first 3 months. T&Cs apply. New Amex Card Members only.
  • Receive a $400 Travel Credit each year towards any flights, hotels, and car hire when you book online with this card.
  • Includes complimentary domestic & international travel insurance.

Pros

  • The 50,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
  • Receive a $400 travel credit every year.
  • Earn 2 Membership Rewards points per $1 spent on purchases except for government bodies in Australia where you will earn 1 point per $1 spent (uncapped).
  • Get two complimentary entries per year to The Centurion® Lounge.

Cons

  • The $395 p.a. annual fee.
St.George Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. This could be worth up to $450 in eGift cards. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. discounted annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • 0% p.a. for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
BankSA Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
Commonwealth Bank Awards Credit Card

Balance transfer

5 months at 5.99% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$96.00 p.a. ongoing

Highlights

  • Earn 1 Awards point per $1 spent on eligible purchases, up to and including $2,000 in a statement period.
  • Earned points never expire.
  • Pay no additional cardholder fee.

Pros

  • 0% for 5 months on balance transfers (reverts to cash advance rate thereafter).
  • Enjoy up to 55 interest-free days on purchases.
  • Monthly fee is $8.

Cons

  • Relatively high purchase interest rate and cash advance interest rate.

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.

How hotel credit cards work

There are many credit cards available from Australian banks that are linked with one of the major frequent flyer or bank reward programs, such as Qantas Frequent Flyer, Velocity Frequent Flyer, and Membership Rewards. These rewards programs allow you 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.

How and where you can redeem points for hotels depends on the rewards program.

  • Membership Rewards. Choose to transfer points to a hotel rewards program or use them to pay for a booking with American Express Travel.
  • Qantas Frequent Flyer. Use your points to book stays at chain or independently-owned hotels and serviced accommodation in cities big and small worldwide. Booking hotel stays can provide excellent value for your Qantas Points.
  • Velocity Frequent Flyer. Velocity Points can be used to stay at hotels around the world, with hundreds of thousands to choose from.

How to compare credit cards that earn hotel points

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

  • Earn rate. You can get an idea for how many points would be required for a stay to get an idea of how much spend you'd need to put through a card for a night. Don't forget to consider any conversion rate if transferring to the hotel's own program.
  • Sign up bonus. Depending on where you want to stay, triggering a large sign up bonus can be enough to cover part or all of a stay.
  • Additional benefits. Check for perks such as concierge services, room upgrades, free entry to spa and gym facilities, restaurant discounts, airport lounge passes, and travel insurance.
  • Annual fees. Most 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 use.
  • Purchase interest rate. You should always aim to clear the balance on your account every month, but if you have an ongoing debt, it will start attracting interest. The purchase rate should be low enough so that if you carry over a balance to the next month, the interest doesn’t nullify the scheme’s benefits. Sometimes you can apply for a card with 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.
  • Terms and conditions. Most hotel rewards programs have extensive rules and regulations regarding how points are earned, redeemed and capped. For example, points may expire and your membership be terminated if you do not earn or redeem points for a certain period of time.