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There are a number of credit cards you can sign up for that will allow you to collect Etihad points for their frequent flyer program, Etihad guest.

There are plenty of pros and cons when it comes to credit cards linked to frequent flyer accounts, so it is always important to make sure you’ve done your research and got your head around the ins and outs.

What are credit card rewards?

Credit card rewards are benefits you get from being a cardholder of a specific credit card. Both banks and financial institutions offer up credit cards linked to rewards programs.

The big four Australian banks (Commonwealth Bank, ANZ, Westpac and NAB) have different rewards programs, and credit card companies like American Express, VISA and MasterCard all have reward cards of some sorts.

Credit card rewards can include a whole range of benefits for users, including credit card points that can be redeemed for travel, good, services or holidays. There are other benefits like extended warranties, cash vouchers and special rates for credit card members.

Some credit card rewards programs even give exclusive access to concert tickets during special pre-sale events, meaning you can get your hands on the hottest tickets before they sell out.

Some credit card rewards programs have high fees associated with them so it is best to weigh up the full cost of your rewards program.

What credit card rewards are there for travellers?

There are a number of thrifty and exclusive benefits and rewards available for travellers who use or spend with credit cards. Some of those benefits can include international travel insurance, lower rates of currency exchange and special hotel or flight booking reservations.

Credit card rewards can also include points for different airline frequent flyer programs, like Etihad points and their Etihad Guest program.

What are Etihad points?

Etihad points is the currency of the Etihad frequent flyer program, Etihad Guest, one of the many frequent flyer programs on the market.

It is similar to many other frequent flyer programs around the world, including the Qantas Frequent Flyer program, Emirate skymiles, Virgin’s Velocity program or Krisflyer from Singapore Airlines.

They are aimed at rewarding travellers, shoppers and frequent flyers with benefits and other perks for their loyalty.

What are the benefits of Etihad points?

This frequent flyer program offers lots of benefits to people who sign up to Etihad Guest, no matter if they are frequent flyers or casual travellers.

You can spend your Etihad points in the air on flights around the world, upgraded seats on Etihad or upgrades on partnered airlines.

You can also use them on the ground in the online Etihad Guest store or use them to book hotels.

How do I earn Etihad points?

There are a range of different ways to collect Etihad points. Even people who are not frequent flyers or regular air travellers can collect Etihad points. Signing up to a credit card rewards program that allows you to collect points is one of the most popular ways to accumulate Etihad points.

You can also collect points through travel. You can book flights through Etihad and earn points as you fly. You can also earn points on selected partner airliners.

Globe-trotters and frequent travellers will be able to earn points on hotel bookings, restaurant reservations or international car rental as well.

What are the pros and cons of credit card reward points?

There are both pros and cons associated with credit card rewards programs and points.

With credit card rewards points, it isn’t a one size fits all because each person may want different rewards for different reasons. Also, it is important to consider the financial responsibilities that come with credit cards.

Pros

  • You can earn rewards points on everyday purchases
  • For travellers, some credit cards include free flights, free travel insurance, free hotel bookings and exclusive invites
  • If you are a big spender on your credit card, you can unlock some perks that can lead to noticeable savings on a number of different purchases
  • You can often share your credit card reward points around to other members of your family, so they can receive bonus perks as well.

Cons

  • Often credit cards with rewards attached to them can include high annual fees ranging from $0 to $500
  • There are often terms and conditions attached to credit card reward points. Sometimes you’ll have to spend a certain amount of money on your credit card before you can earn points
  • The monetary value of reward points often doesn’t match dollar for dollar. This means you might spend $1 to get 1 point, but that 1 point is worth less than $1
  • Points can be capped on some cards meaning you might have restrictions on how many points you can earn

Each credit card rewards program has individual pros and cons, so it is always best to understand all the ins and outs of the credit cards.

Where does Etihad fly to?

Etihad, based out of Abu Dhabi, and their partner airlines fly all over the world to many exciting and exotic locations.

They fly out of Australian capital cities into the deserts of Africa, the bustling steamy cities of Asia, the cosmopolitan cities of continental

Europe, colourful South America and the wilds of North America.

What other frequent flyer programs are there?

The Etihad Guest program is but one of the many frequent flyer programs out there. They all have different benefits, perks and fees associated with them so it is always important to consider the program that suits you needs best.

One of the most popular frequent flyer programs in Australia is the Qantas Frequent Flyer program. It allows members to book flights, go shopping and purchase holidays with points.

Dubai’s Emirate Skymiles program works similarly to the Etihad Guest program in that frequent flyers are rewarded with points that can go towards different travelling and shopping experiences.

The Virgin Velocity program has many partnerships across the world and Australia, meaning you can spend your cash and earn Velocity points at the same time. The operate with the Virgin line of airliners, including Virgin Australia and Virgin Atlantic.

These are but some of the many frequent flyer programs around the world. You should consider your personal spending and travelling needs before joining a frequent flyer program.

Are there any other frequent flyer programs linked with credit cards?

Almost all airlines offer up or are partnered with a frequent flyer program.

In Australia you can find many credit cards and banks linked to the Qantas Frequent Flyer program. You have many other cards linked to Velocity, which is Virgin’s frequent flyer program, and Jetstar’s own program. You can also use your cards linked to other frequent flyer programs in Australia at a number of different retailers.

It is important to consider what frequent flyer program and credit card rewards program suits your lifestyle, as not all credit card programs are suitable for everyone.

^Depending on your personal financial goals, the best credit card for you may not be the same as the best card for somebody else. compare the features, benefits, fees and charges before making any decisions. For help working out option may be the best credit card for you, consider contacting a qualified financial adviser.

Frequently asked questions

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

Can I transfer money from my American Express credit card to my bank account?

If you’re an American Express credit card customer, you may not be able to transfer money from your credit card to your bank account. However, you may be eligible for cash advances, which involves withdrawing money through an ATM. 

To qualify for a cash advance, you’ll likely have to enrol for American Express Membership Rewards. Consider checking your online credit card account to see if you can withdraw a cash advance and, if so, the fees and charges you’ll incur for this transaction. 

You should remember that cash advances are different from balance transfers, which were available with some American Express credit cards earlier. Balance transfers allow customers to consolidate debt from high-interest credit cards to a credit card offering a lower interest rate. If you only recently applied for an American Express credit card, balance transfers may not be available irrespective of the card you own. 

How to increase my Commonwealth credit card limit?

Commonwealth Bank credit cards are extremely popular in Australia for everyday purchases and big ticket items alikers. A number of the card’s functions can be customised, depending on your needs and desires. If you wish to increase your Commonwealth credit card limit using the CommBank, you can usually do so on the app or via NetBank.

In the CommBank app, tap on the ‘Cards’ icon and choose your credit card. Then, click on ‘Credit Limit’ and select the ‘Increasing your limit’ option. If you don’t have the CommBank app, you can also increase your Commonwealth Bank credit card limit through NetBank. Simply log on and go to Settings, then click on ‘Product Requests’ and then choose ‘Credit Card Limit Changes’. 

Once the bank has received your application, they will review your account and payment history. Based on this assessment, your application will either be approved or denied. If approved, your new limit will be applied to your card instantly. 

While increasing your credit card limit may be an easy process, it’s important to remember that you should only request limits that you can manage. A high limit increases the risk of having a larger debt, even with cards that provide low-interest rate options. So, it’s important to think carefully and seek advice from people you trust before increasing your Commonwealth Bank credit card limit.

What is the CUA credit card increase limit process?

A credit limit is pre-assigned based on factors like your income, expenses, and debt by the card-issuing company. It varies from time to time based on credit utilisation and changes to your circumstances.

If your income has increased or your liabilities have reduced, you can request for an increase of your CUA credit card limit. You can lodge the request via online banking on the website, or by visiting the closest branch, or by downloading the application form and mailing it. While making the application, you may need to provide information about your income, employment status, desired limit, and the reason for the increase. The card-issuing company will assess your request before approval.

Before you apply for an increase to the credit limit, ensure your bills are paid in full and you aren’t asking for a very steep enhancement.

What does Westpac credit card insurance cover?

If you own a Westpac credit card, one of the perks may be  free travel insurance. If you’re eligible, you may be covered if you get sick while travelling, have lost your luggage, have to cancel a trip or have an accident while you’re on the move.

Besides these standard inclusions, the Westpac credit card insurance policy may also cover you for hospital essentials, emergency dental treatment and alternative transport if your original plans go awry. It may also cover loss of income when you get back home after being sick  overseas and your pets’ boarding costs too.

If you have any queries, the Westpac credit card insurance contact number is 1800 091 710. You can submit a claim online.

 

How to increase your Qantas Premier credit card limit

When your income or spending habits change, you might wish to increase your credit card limit. The Qantas Premier credit card allows you to do this over the phone. You can contact Qantas Premier Card Support by calling on 1300 992 700. Unlike some other credit providers, Qantas doesn’t give you the option to increase your limit online.

Qantas will only accept your application if you have a good history of repayment and have not increased your credit or bought another credit product from Qantas in the past six months.

Before approving your Qantas Premier credit card limit increase, Qantas will perform a credit assessment on your current financial circumstances and ask why you would like to increase your credit limit.

To ensure that there are no bumps in your application process, you must provide accurate and recent information about your financial situation. You should also account for any future changes you’re anticipating which could hinder your ability to repay the loan.

Once the assessment is complete, Qantas will either approve or deny your application. If they approve it, you will need to sign a credit limit increase agreement - and you can request a written copy of the credit assessment. However, if your application is rejected, Qantas can opt not to provide a copy of the assessment.

What should you do if your credit card is compromised?

Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

Does ING increase credit card limits?

You may want to increase your credit card limit for many reasons, such as having access to more spending money. However, if you are using the Orange One credit card issued by ING, you may not be able to do so. 

ING customers can choose a credit limit of their preference when applying for the Orange One credit card. Depending on your financial situation, this limit can be anywhere between $1,000 and $30,000. If you qualify for a Rewards Platinum card, the minimum credit card limit will likely be $6,000. 

Ideally, you should set your credit card limit knowing how much you can afford to repay each month and keep your expenses lower than this level. With most credit cards, you should have the option of requesting a credit card limit increase at a later time, although you will need to qualify for any increase. With an ING credit card, limit increases are out of the question (at the time this was published), which means you may want to apply for a higher credit card limit from the beginning. Remember that you have the option of decreasing your ING credit card limit at a later time.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

How to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

How can I increase my Bankwest credit card limit?

When you apply for a Bankwest credit card, you get assigned a pre-set credit limit, which will end up being the most that you can spend on your credit card before having to pay it off. Your credit limit is chosen for you and your current financial situation, and you should remember not to overspend, irrespective of the limit, in order to avoid racking up a massive bill.

However, banks and lenders understand that your needs will change, and have made it possible for you to increase your credit card limit, allowing you to get extra cash when you need it most. Moreover, with a higher spending limit, you may be able to get access to certain perks and benefits with your Bankwest credit card.

To increase your Bankwest credit card limit, you can visit any of the bank’s branches or call 13 17 19 and follow the steps outlined.

What does ANZ credit card insurance cover?

ANZ offers complimentary insurance on some of its credit cards, which can provide some protection against unforeseeable incidents, like the theft of your card. Depending on the type of credit card you own, you may be eligible for different insurances. For instance, most ANZ credit card customers may qualify for Purchase Protection Insurance and Extended Warranty Insurance. Customers who own premium credit cards may also be eligible for Guaranteed Pricing, Rental Vehicle Excess, International Travel, and so on.

Consider checking your ANZ credit card insurance features listed in the Insurance Policy Information booklet to know which items are covered. Also, while ANZ issued the credit card, they are not the insurer. For this reason, you may need to send your insurance claims - and get your ANZ credit card insurance refund - to the insurance provider.

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.