Credit Cards with Hotel Benefits

$395 annual fee
OfferTargeted
100,000 American Express points
Receive up to US$100 hotel credit and room upgrade at select hotels in The Hotel Collection when booking two consecutive nights. You will receive $1 for each dollar spent on dining, spa and resort activities, up to USD100
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 5 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

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Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
4th Night on Us with Luxury Escapes: book 4 consecutive nights and receive a credit back for one night, up to $1,000 credit per booking, 4 redemptions per calendar year. Credit value calculated as average nightly room rate. Promo code PRESTIGE4N required at checkout. Primary cardholders only. Back-to-back stays not allowed; minimum 7-day window between bookings.
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
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Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
Up to 15% off Luxury Escapes hotels (10% domestic, 15% international, max $250 discount per transaction, code MYLUXPROMO, valid until 1 March 2027). 10% off selected Expedia hotels (via expedia.com.au/traveloffer, valid until 31 January 2027). 10% off selected Wotif hotels (via wotif.com/traveloffer, valid until 31 January 2027).
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
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Image of MyCard Rewards credit card
MyCard points
$199 annual fee
Offer
100,000 MyCard points
Up to 15% off eligible Luxury Escapes hotels with a discount cap of $250. 10% off selected Expedia hotels. 10% off selected Wotif hotels.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Average ongoing earn rate.

Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
Up to 15% off Luxury Escapes hotels (10% domestic, 15% international, max $250 discount per transaction, code MYLUXPROMO, valid until 1 March 2027). 10% off selected Expedia hotels (via expedia.com.au/traveloffer, valid until 31 January 2027). 10% off selected Wotif hotels (via wotif.com/traveloffer, valid until 31 January 2027).
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

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Image of MyCard Rewards Velocity credit card
Velocity points
$199 annual fee
Offer
60,000 Velocity points
Up to 15% off eligible Luxury Escapes hotels with a discount cap of $250. 10% off selected Expedia hotels. 10% off selected Wotif hotels.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Est. profit $821
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
4th Night on Us with Luxury Escapes: book 4 consecutive nights and receive a credit for one night, up to $1,000 credit per booking, capped at 4 redemptions per calendar year. Promo code PRESTIGE4N required at checkout. Same room type required. Minimum 7-day window between bookings. Back-to-back stays not allowed.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
4th Night on Us with Luxury Escapes: book 4 consecutive nights and receive a credit back for one night, up to $1,000 credit per booking, 4 redemptions per calendar year. Credit value calculated as average nightly room rate. Promo code PRESTIGE4N required at checkout. Primary cardholders only. Back-to-back stays not allowed; minimum 7-day window between bookings.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
70,000 Qantas points
Complimentary Qantas Wine Premium Membership with gourmet food, exceptional wines, exclusive access to food and wine events, and complimentary delivery within Australia
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 17 days (2026-05-05)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $1,120
Read my analysis
$450 annual fee
Offer
70,000 Qantas points
Complimentary Qantas Wine Premium Membership with gourmet food, exceptional wines, exclusive access to food and wine events, and complimentary delivery within Australia
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 17 days (2026-05-05)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $1,120
Read my analysis
$1,450 annual fee
OfferTargeted
200,000 American Express points
Complimentary Accor Plus membership valued at AU$399 providing a complimentary night's accommodation each year and up to 50% off dining at over 1,100 participating Accor Hotels restaurants. Enrolment required.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 4 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
$1,450 annual fee
OfferTargeted
200,000 American Express points
Fine Hotels + Resorts program offering benefits valued at approximately USD$550 including guaranteed 4pm late checkout, room upgrades (subject to availability), daily breakfast for two, and a US$100 experience credit per stay at over 1,600 properties worldwide.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 4 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Access to Visa Luxury Hotel Collection with best available rate guarantee and upgrade benefits when available, including one daily breakfast per person during stay.
Spend $6,000 in 120 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $1,070
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$175 annual fee
Offer
75,000 Bank of Melbourne points
Access to Visa Luxury Hotel Collection with best available rate guarantee and upgrade benefits when available, including one daily breakfast per person during stay.
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Access to Visa Luxury Hotel Collection with best available rate guarantee and upgrade benefits when available, including one daily breakfast per person during stay at participating properties.
Spend $12,000 in 365 days (~$986/mo)
$99 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Read my analysis
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Access to Visa Luxury Hotel Collection with best available rate guarantee and upgrade benefits when available, including one daily breakfast per person during stay at participating properties.
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Craig

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— Craig