Compare Hilton Honors credit cards
Cards with Hilton Honors rewards may offer benefits at Hilton Hotels across the world. Compare a range of Hilton Hotel rewards credit cards, including their rates, fees and features, today, and choose a Hilton Hotel rewards credit card that suits your financial needs and budget.
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Balance Transfer0% p.a. for 20 months on balance transfers with no balance transfer fee and $0 Annual Fee in First Year with an ANZ Low Rate credit card.*
A credit card that charges a low purchase rate and no annual fee so thrifty cardholders can keep costs down.
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How capping credit card interest rates could save Australians $1.53 billion a year
Australia’s credit card debt has risen to a total of $20.03 billion dollars, according to new RBA statistics out today. It comes as there are growing calls for the federal government to regulate credit card interest rates so there’s a maximum margin with the RBA cash rate, which is 0.10 per cent.
Can I transfer someone else's credit card balance to mine?
If you want to help out someone struggling with high-cost credit card debt, you may want to take on the responsibility of repaying the balance. Although not common, some card companies allow you to transfer debt from another person. Find out more about the transfer of credit card balance.
As the choice of credit cards continues to increase, so too does the number of rewards programs attached to various cards. And if you particularly like the sound of enjoying the spoils of what the Hilton Hotel chain has to offer, as a result of using your credit card, the Hilton Honors rewards program could be a way of helping you achieve that.
So how exactly does this program work, in light of other rewards programs?
Reward programs in a nutshell
All reward programs are based on accumulating rewards points, or benefits you are eligible for as a result of what is considered everyday spending on your card, and the points gained are usually proportionate to the amount you spend.
You can then redeem the points for a range of rewards which are offered through the program. The type of reward you receive generally comes in four main forms, which may be a cashback, frequent flyer points, merchandise such as fashion items, electronics, homewares, fuel or event tickets, or shopping discounts on any or all of those items.
Most programs also offer a points-plus-pay option, where you use your points to redeem part of your reward and pay the rest in cash based on pre-set amounts by each program.
Generally, credit cards with reward programs attached do attract higher interest rates and fees than cards without reward programs.
How does Hilton Honors work?
In the case of Hilton Honors Rewards, the program allows you to earn points on everyday purchases, as well as bonus points on purchases made with Hilton Hotels and its partners.
Those points can then be used in a number of ways to redeem a range of offers through the Hilton Hotel chain and members of its reward program alliance.
Once you spend a certain amount of money on the attached credit card you can become eligible for an upgrade to the elite levels of Hilton Honors membership which include silver, gold and diamond status. The number of services and benefits you have access to through the reward program increases in line with the elevated membership status.
Becoming a member of the Hilton Honors Reward program is conditional when applying for any credit cards attached to the program.
The program’s global reach
The program is one of the largest hotel reward programs in the world and provides benefits within the group’s hotels, resorts and properties across more than 5,000 different locations and 100 countries, including a network of major cities and the world’s most popular holiday and tourist destinations.
Through Hilton Honors, members also have access to the Hilton portfolio of hotels which includes other leading accommodation brands and properties around the world:
- Waldorf Astoria Hotels and Resorts
- Conrad Hotels and Resorts
- Canopy by Hilton
- Curio – a collection by Hilton
- DoubleTree by Hilton
- Tapestry Collection by Hilton
- Embassy Suites by Hilton
- Hilton Garden Inn
- Hampton by Hilton
- Tru by Hilton
- Homewood Suites by Hilton
- Home2 Suites by Hilton
- Hilton Grand Vacations.
Redeeming your points and points expiry
All Hilton Honors bonus points earned are in addition to the points that you earn via the earning style option you select.
You can check your points balance online at any time and choose your reward option from the following options:
- Hotels and resorts – this includes booking rooms or obtaining upgrades, or using points for special hotel services or meals from any of the Hilton group properties
- Flights and car travel – convert your points into miles with participating frequent flyer partners, or car hire with program partners.
- Shopping and dining – offers special rewards at the Hilton Honors Shopping Mall through program partners.
- Events – apply to use your points to attend special events being held at Hilton properties around the world
- Charitable donations – you can also donate points to a range of program charities.
Your bonus points will not expire, provided you do one of the following within a period of 12 consecutive months:
- Remain a Hilton Honors credit cardholder
- Stay at a hotel or resort within the Hilton portfolio
- Earn Hilton Honors bonus points through any participating program partner
- Purchase Hilton Honors bonus points
You can boost your Hilton Honors rewards balance by transferring points from an eligible travel or frequent flyer program, and Hilton Honors points can also be bought, gifted or transferred between members with annual points limits placed on each transaction.
What should I consider before I apply?
You need to take into account the following factors when making your decision about choosing a credit card with a reward program:
- Interest rates and fees – many reward card providers will offer a $0 annual fee for the first year to new card applicants as well as special interest rates on any balance transfers. However, you need to also look at what that annual fee reverts to beyond the initial period, as well as finding out what the interest rate is on any balance transfers beyond the initial specified period. Read the fine print.
- Cost versus benefit – as enticing as any reward card sounds, you do need to weigh up the total annual cost of the purchases you need to make to be eligible for the card’s various rewards. If you’re spending more than you usually would in a bid to achieve a reward level, you need to determine if the additional financial pressure this puts on you to pay off that amount is actually worth it. Be realistic about whether you are disciplined with money and are able to remain living within your means if you have the card.
- Paying off the balance in full – there’s no value in having access to the reward program if you can’t afford to pay for the items you put on the card in full within the interest-free period. The interest payments can quickly rack up when you consider many cards have revert rates which are commonly around 20 per cent.
- Are the rewards relevant to your lifestyle – you need to look at the accommodation, travel and shopping benefits the card offers to determine whether this is a financial equation that makes sense for you, based on your lifestyle. You should have a pre-determined idea of what sort of rewards are right for you and if it will provide an efficient complement to your existing financial platform.
- Compare what else is on offer – compare this card against the reward programs offered through partnerships between other leading hotel chains and card providers. Other hotel chains that have reward programs include the Starwood, Marriott, Hyatt, the Ritz Carlton and IHG and all offer different entitlements through their respective properties and partners. You need to compare apples with apples in order to feel comfortable that you’ve really done your homework.
Once you do all your research, you’ll then be in a more considered position to determine whether the card and the program will financially suit your needs.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
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 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.
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.
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.
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.
What is a balance transfer credit card?
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
How do I apply for a BOQ credit card limit increase?
If you’re an existing BOQ customer, you can request a BOQ credit card limit increase over a phone call. However, you should remember that owning and using a credit card is a matter of financial responsibility, so it might be worth thinking this decision through.
When requesting a credit card limit increase, you’ll need to be just as responsible in terms of how much you earn and can set aside to repay the outstanding card balance. A credit card company may approve a credit limit increase only if you can show that you have either the income or the disposable income, which is the amount you have left after all expenses have been paid out.
For this purpose, you may need to submit your latest income documents and bank statements for an increase. You may want to estimate how much you usually have left after deducting your expenses, and then use this amount to try and convince the credit card company. Also, you may prefer to pay off the card balance in full each month and thus avoid paying interest on the card, helping you back up any claims of financial responsibility, as well.
Remember that you may not be able to apply for a credit card limit increase beyond any limitations on the type of card you own. For instance, if you own a card whose ceiling is $10,000, and your current limit is $5,000, you won't likely be able to apply for a $10,000 credit card limit increase.
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.
What should I do if my ANZ credit card has expired?
Your ANZ credit card is considered expired only after the last day of the month and year marked on your card. For instance, if your card’s expiry date reads 03/22, it is valid until 31 March 2022 and expires on 1 April 2022. Typically, you should have received a new credit card by that date, and you won’t have to request a new card.
Once you get the new card, you should remember to switch any automatic payments you have - such as a utility or mobile phone bill - from your expired credit card to your new credit card. Equally, if you are using CardPay Direct to repay your ANZ credit card debt, you may need to update the credit card account details for that service as well.
In case the new card doesn’t arrive by the expiry date of your current credit card, you can call ANZ on 13 22 73 to find out the reason and if you need to request an expedited card. Please note that if you were planning to close your credit card account or request a credit card upgrade, you may need to call ANZ at least before the 25th of the month your current credit card expires in, as that’s when they may send you the new credit card.
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.
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.
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 is credit card interest charged?
Your credit card will be charged interest when you don’t pay off the balance on your credit card. Your card provider or bank charges you the individual interest rate that is associated with your card, which is usually between 10 and 20 per cent.
The interest will be added onto your bill each month or billing period if you don’t pay off the balance, unless you are in an interest-free period.
You will be charged interest on anything that hasn’t been paid for inside the interest-free period. Usually you will receive a notice on your bill or statement saying you will be charged interest so you have some form of notice before you’re charged.
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 to pay a credit card from another bank
Paying or transferring debt from one lender to the other is called a balance transfer. This involves transferring part or all of the debt from a credit card with one lender to a credit card with another. As part of the process, your new lender will pay out the old lender, so that you now owe the same amount of money but to a new institution.
Many credit card providers offer an interest-free period on balance transfers to help new applicants better handle their debt. During this period, cardholders are not required to pay interest on the debt they brought over from the other card. This can be a great opportunity for consumers to pay off credit card debt with no interest. There are often fees associated with balance transfers; normally, these are a percentage of the amount transferred.
So make sure you read the terms and conditions of the card before transferring any debt across.
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.
Which credit card has the highest annual percentage rate?
The credit card market changes all the time, so the credit card with the highest annual percentage rate is also liable to change.
Keep in mind that credit card interest rates are expressed as a yearly rate, or annual percentage rate (APR). A low APR is generally good but also consider:
- There can be different APR's for each feature of the card (e.g. purchases may have an APR of 14 per cent, while cash advances on same card could have an APR of 17 per cent.
- Credit cards with a variable rate can change throughout the year, affecting your APR, so check the full details.
- If you pay your balance in full every month, having the lowest APR is not as important as the other fees associated with the card. However, if you carry a balance from month to month, then you want the lowest APR possible.
How does credit card interest work?
Generally, when we talk about credit card interest, we mean the purchase interest rate, which is the interest charged on purchases you make with your credit card.
If you don’t pay your full balance each month (or even if you pay the minimum amount), you are charged interest on all the outstanding transactions and the remaining balance. However, interest is also charged on cash advances, balance transfers, special rate offers and, in some cases, even the fees charged by the company.
The interest rate can vary, depending on the credit card. Some have an interest-free period, otherwise you start paying interest from the day you make a purchase or from the day your monthly statement is issued. So avoid interest by paying the full amount promptly.
How to get a free credit card
There's no such thing as a free lunch. All credit cards come with associated costs when used to make purchases, even if it’s simply the cost of making repayments.
However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.
How to pay a credit card
There are a few ways to pay a credit card bill. These include:
- BPAY - allows you to safely make credit card payments online.
- Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
- In a branch.
- Via your credit card provider's app.