Hotel Credit Cards

Hotel Credit Cards Linked to Hotel Accommodation Rewards Programs

There are not too many credit cards which are affiliated only to one chain of hotels, but there are many credit card companies which are affiliated to hotels and airlines and offer you greater reward points when you interact with one of those affiliates.

  • Credit Cards co-branded with airlines offer you frequent flyer points, which can be redeemed at select hotels.
  • Many reward points can be redeemed as hotel gift cards, thus your hotel costs can come down considerably.
  • You can also earn extra points by receiving rewards from the hotel you are staying at – thus getting a double benefit of rewards from both side.

Hotel Chains Where You Can Use These Cards

The hotels where these cards are valid differ from company to company. Each bank or card company has a different group that they deal with, so do make sure that the hotel you are staying at is affiliated to your card company. It is always advantageous to use only those hotels which offer a deal with your credit card.

Quote Your Card Number When You Make Your Bookings

In order to earn your extra points, and to make sure that the hotel reward points are added to your credit card, you must quote your credit card membership number when you make the booking, or when you check in. It is not just your credit card number which is needed, you should also be a member of their frequent flyer club, and the membership number should always be quoted.

Other Rewards Offered By Hotel Credit Cards

There are many discounts and special facilities which are within your reach when you use a hotel credit card. Often the gym and the spa entry charges are waived and you can also get discounts at the restaurants. They may also upgrade you to better rooms, if you have a membership number, and all this at no extra charge. At the airports, you are permitted entry into the business class lounges, and are able to have a relaxed time while you wait for your flight.

Bonus Points And Free Night’s Stay

Among the other rewards offered by the hotel credit cards, we have the bonus points, which get added the first time you make a purchase with these cards. Some of them also offer you one free night’s stay after a year is completed. You can also convert hotel reward points into airline points in some cards, thereby offering you far greater flexibility.

Loyalty Being Rewarded

The greatest benefit that these cards give to the card companies is that they gain loyal customers. If you know that you are going to earn extra rewards by using one particular chain of hotels frequently or by being loyal to one specific airline, then naturally you will stay only there. In cases such as these not only does the customer benefit, but also the hotels and the airlines.

Are These Cards Compulsory?

You can earn frequent flyer miles without purchasing a co-branded card, but the number of miles in your account goes up substantially if you are a card holder. Apart from offering you the credit facility, these reward points are among the largest selling points of all cards. It is definitely a win-win situation for the loyal customer.

Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Credit Cards Comparison

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback