Find and compare IHM reward credit cards

Sort By
Product Name Card
Purchase Rate
Interest Free Days
Annual Fee
Late Payment Fee
Go to site

Purchase Rate

19.74%

Interest Free Days

44

Annual Fee

$30

$15

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$64

for 12 months then $129

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$295

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$30

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$375

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

More details

Purchase Rate

16.99%

Interest Free Days

55

Annual Fee

$125

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$0

for 12 months then $30

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$425

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

More details

Learn more about credit cards

Aside from the convenience, one of the major benefits of using a credit card are the potential rewards.

If you’re a frequent traveller and you’re looking for a credit card that rewards your everyday purchases as well as your hotel stays, then credit cards with IHG Rewards may be worth considering.

For travellers that regularly stay at IHG properties such as the Holiday Inn, Crowne Plaza or the Intercontinental, credit cards with IHG Rewards may open up a new world of travel opportunities.

IHG has a huge national and international portfolio of hotels, so if you travel regularly for work or leisure, opting for a credit card that rewards your stay might make your dollars go further.

As interest rates on reward cards tend to be higher than standard cards, IHG Rewards credit cards are probably not well suited to those who aren’t frequent travellers. In this case, a low-rate standard credit card might be a better fit. Read on to find out if credit cards with IHG Rewards will work for you.

How do credit cards with IHG Rewards work?

A credit card is a flexible way to pay for goods and services in-store, online or over the phone. When you apply for a credit card with IHG Rewards, you’re essentially applying for a short-term loan from the bank or credit card company. Applying for a credit card is usually a very quick and simple process which can be done online or at a branch. Once you’re approved, the bank will assign you a credit limit based on how much money you earn and how much you can afford to pay back.

When you pay for something using a credit card with IHG Rewards, you’re using the bank’s money and not your own. Because a credit card with IHG Rewards is essentially a short-term loan, the bank will charge you interest on the money you borrow. At the end of each credit card billing cycle, the bank will tally up all the money you spent on your credit card with IHG Rewards and send you a bill, outlining the minimum monthly repayment you need to make and how much interest you’ll be charged on the money you spent.

Every credit card offers the cardholder slightly different features and benefits, such as interest-free days or a concierge service. Credit cards with IHG rewards earn points on eligible purchases which can be used within the IHG Rewards Club loyalty program. An eligible purchase is generally any good or service you pay for using your card – cash advances and card fees aren’t considered eligible purchases.

Credit cards with IHG Rewards are linked to the IHG Rewards Club loyalty program which has a worldwide network of over 5,000 hotels and resorts. To get the most out of a credit card with IHG Rewards, you’ll need to join the IHG Rewards Club loyalty program which can be done online through the IHG website. Once you get a membership number, you can link the credit card to the IHG Rewards Club loyalty program and start accruing points.

When it comes to redeeming IHG Rewards points, this can usually be done online through the IHG Rewards website. In addition to hotel stays, IHG Rewards points can be cashed in for products, merchandise and gift cards. Depending on your loyalty program status, you may also be able to transfer IHG Rewards Points over to an eligible frequent flyer program.

How can I use a credit card to earn IHG Rewards points?

While each credit card works differently, IHG Rewards credit cards earn rewards points in two ways. The first way is by using a credit card with IHG Rewards to pay for your stay at an IHG hotel. Depending on the card, you may earn additional bonus points this way. The other way to earn IHG Rewards points is by using the credit card to pay for everyday spending like petrol, groceries and entertainment.

Sometimes, credit card companies offer bonus points to incentivise new applications and, depending on the offer, the bonus points can be substantial. This can be a handy bonus if you know you’ve got a trip planned and you intend to use a credit card with IHG Rewards. It’s worth mentioning that some signup bonuses have minimum spend conditions, so check the fine print before you factor in the points.

 Generally speaking, reward points programs are linked to loyalty, so the more you spend, the more you earn. This can work out well if you regularly stay in IHG Group hotels, but if you’re not a frequent traveller, there may be better rewards cards on the market. Before you apply for a credit card with IHG Rewards, compare these cards against other credit cards to make sure you’re getting the right card for you.

What are the advantages of credit cards with IHG Rewards?

Credit cards with IHG Rewards can be good value if you regularly stay at IHG Group hotels. The main advantage for frequent travellers is that by earning IHG Rewards points, you may be able to turn your everyday spending into rewards. 

Depending on the individual features of the credit card, other advantages may include bonus points when you use your card to stay at an IHG Group hotel, additional discounts and upgrades at participating IHG Group hotels and free bonus nights.

What to look out for when comparing credit cards with IHG Rewards?

Regardless of the type of incentive or reward a credit card offers, it’s still a credit card. When comparing different types of credit cards with IHG Rewards, it’s important to look beyond the rewards to the bigger picture.

As convenient as credit cards can be, they can end up costing you money if you don’t know how to manage them properly. Whether you’re a frequent flyer or a small shopper, here’s what to look out for when comparing credit cards with IHG Rewards.

The major aspect you want to compare is the interest rate. Rewards cards traditionally have higher interest rates than standard no-frills credit cards. If you don’t manage to pay your credit card balance in full every month, added interest could cost you more than the rewards save you. So do your research to avoid any unnecessary charges.

If you tend to travel frequently, check whether the credit cards with IHG Rewards have any travel incentives like complimentary travel insurance or fee-free overseas currency conversions. Other features to compare are whether the card offers interest-free days, extended warranty on goods purchased using a credit card with IHG Rewards and price protection in case you find an already purchased item cheaper.

Make sure you compare any annual or monthly card fees. Sometimes credit card companies will waive the first annual fee as an incentive for applying, so check to see what the ongoing fees are. Other costs to compare are cash advance fees, overseas currency conversion fees and missed payment fees.

How to apply for a credit card with IHG Rewards

Once you’ve compared credit cards with IHG Rewards and you’ve found a card that suits you, applying is usually quick and easy.

To start, you’ll need an IHG Rewards membership number. If you’re not already a member, signing up is easy through the IHG Rewards website. You’ll also need to be over 18 and have proof of identity and income. You may also need to provide proof of address and employment.

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.

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.

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 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 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.

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. 

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.

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 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 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.

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 I apply for a credit card online?

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.

What is a credit card?

A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.

Do you need a credit card to get a loan?

You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.

If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here

How do credit cards work?

Think of credit cards as a short-term loan where you use the bank’s money to buy something up front and then pay for it later. Unlike a debit card which uses your own money to pay, a credit card essentially borrows the bank’s money to fund the purchase. When you apply for a credit card, the bank assesses your income and assigns you a credit limit based on what you can afford to pay back. At the end of each billing cycle, which is usually monthly, the bank will send you a statement showing the minimum amount you have to pay back, including any interest payable on the balance.

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 many numbers are on a credit card?

The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. 

The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. 

Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.

Where can I get a credit card?

Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.