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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 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.

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.

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 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.

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.

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. 

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.

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.

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 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.

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 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.