Best Credit Cards for Hotel Booking Discounts & Promotions (2021)

You've got your flights and travel insurance, and now you're shortlisting accommodation options on your favourite hotel booking site (be it Agoda, Expedia, Booking.com or even Airbnb). But before you click on that big red "reserve" button, make sure you use one of these best credit cards for booking hotels online.

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Best Credit Cards for Hotel Booking Discounts & Promotions (2021)

Booking hotels for your next trip? Snag an even better deal with one of these credit cards.

Citibank PremierMiles Card

Get S$300 Cash via PayNow
More Details
Get S$300 Cash via PayNow

Citi PremierMiles Visa Card

Local Spend
S$1 = Up to 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = 2 Miles
Selected Online Hotel and Flight bookings
S$1 = Up to 10 Miles

One of the best air miles cards for all sorts of travel spending is the Citibank PremierMiles Card. And if you regularly use Agoda to make your hotel bookings, it's an outright winner.

No other card gives you 7 miles per S$1 spent on Agoda hotel bookings, with no minimum spend and no cap. To get the miles, you need to book via www.agoda.com/bonusmiles and pay with your Citi PremierMiles Card. The miles will be credited within about 2 months from your stay. Hurry, as the promotion is valid for a limited time only.

If you prefer other hotel booking websites, Citibank cards also let you get 10% off on popular ones like Expedia and Booking.com. Just make sure you book via the landing pages linked here.

Apart from these hotel booking benefits, the Citi PremierMiles Card offers a very respectable range of travel benefits too, such as free airport lounge access and miles that don't expire.

UOB PRVI Miles Card

Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

Another powerful air miles card for online hotel bookings is the UOB PRVI Miles Card (available in Visa, Mastercard and AMEX versions). It gives you an amazing 6 miles per S$1 spent on Agoda AND Expedia, so you can shop for the best deal on both booking websites.

Again, there's no minimum spend and no cap. There are no complicated mechanics either: Just make sure you book via agoda.com/prvimiles and expedia.com.sg/prvimiles respectively.

One key benefit of the UOB PRVI Miles Card is that it has a better miles earn rate on all your other spending compared to Citi PremierMiles Card. However the miles do expire, so it's better for high spenders or business travellers who have no problem racking up significant amounts of spending.

DBS Woman's World Card

on Online Spend
S$5 = 10X Points
on All Other Spend
S$5= 1X Point
Rewards to Miles Conversion
1 Point = 2 Miles

While the other credit cards on this list are entry-level credit cards open to those earning S$30,000 p.a. and up, the DBS Woman's World Card is a premium credit card for those who make at least S$80,000 p.a.

If you make the cut, this credit card is a great one for earning miles on all online spending, including online travel - both flights and hotel bookings. You earn 4 miles per S$1 spent with no minimum spend, but it's capped at S$2,000 a month.

On top of that, your DBS credit card gives you up to 10% off on Expedia (www.expedia.com.sg/dbs) and Booking.com (Booking.com/DBSDeals). You can also get an extra 7% off on Agoda via www.agoda.com/dbs.

Note: There is an entry level version of this credit card called the DBS Woman's Card. This card offers only 2 miles per S$1 online and it's capped at S$1,000 a month, so you're probably better off using a miles card.

DBS Altitude Card

Get AirPods or S$200 cashback or 38,000 miles when you apply online and spend!
More Details
Get AirPods or S$200 cashback or 38,000 miles when you apply online and spend!

DBS Altitude Visa Signature Card

Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Bus, MRT and Taxi rides
S$1 = 4 Miles

If you do not meet the income requirement of the DBS Woman's World Card, consider going for the entry level DBS Altitude miles card instead. It's open to those earning S$30,000 p.a. and up.

What sets this miles card apart from the rest is that you can get 3 miles per S$1 spent on all online travel bookings regardless of which website you favour. You earn the same rate whether you book your hotel on Agoda or Airbnb! Note that it's capped at S$5,000 a month, which is still generous.

The earn rate can be bumped up even more if you make your hotel booking on Expedia. You get 6 miles per S$1 spent on Expedia via expedia.com.sg/dbsaltitude, valid until 31 Mar 2020.

The DBS Altitude Card also allows you to take advantage of DBS/POSB promotions on Booking.com (10% off via Booking.com/DBSDeals) and Agoda (7% off via www.agoda.com/dbs).

OCBC FRANK Card

Cash Back on Online Spend
6%
Cash Back Cap per month
S$60
Min. Spend per month on Offline Purchases
S$300

We all love cashback, but unfortunately, there aren't many credit cards that will let you earn a decent cash rebate on your online hotel bookings.

That said, the OCBC FRANK Card is one of the best options, offering a very impressive 6% cashback on your online spending - including hotel bookings (not restricted to any websites).

The downside is that you need to spend at least S$400 on this credit card offline in order to get the online rebate. That means you need to remember to bring it out and swipe for your meals and entertainment, for example. It's a bit troublesome, but you do get 5% cashback on those categories, too.

There's a monthly cashback cap of S$60, so it's good for only about S$1,000 of spending per month. It's probably best for budget travellers or young adults who spend mostly on food and going out, and travel only once in a while.

On top of the credit card's standard cashback, you can squeeze out a little more rebate if you book through Expedia, Agoda or Booking.com. All OCBC credit cards give you an extra 10% off on Expedia (via www.expedia.com.sg/ocbc) and Booking.com (via www.booking.com/ocbc), and 7% off Agoda bookings (via www.agoda.com/ocbc).

Which Credit Card Should You Use for Booking Hotels Online?

Credit CardBenefitsMonthly Spending Cap
Citibank PremierMiles CardS$1 = 7 miles on AgodaNone
UOB PRVI Miles CardS$1 = 6 miles on Agoda, Expedia, UOB TravelNone
DBS Woman's World Card S$1 = 4 miles on all online travel bookingsS$2,000
DBS Altitude Card S$1 = 3 miles on all online travel bookingsS$5,000
OCBC FRANK Card6% cashback on all online travel bookingsS$1,000

Frequently Asked Questions

Which credit card is best for hotel booking?

It depends on what hotel booking websites you prefer to use. If you are loyal to Agoda, for example, you'd be best off with the Citibank PremierMiles Card or the UOB PRVI Miles Card. However, if you book with other platforms like Airbnb or direct through the hotel, you may want to use a credit card with benefits for generic online spending or online travel bookings, such as the DBS Altitude Card. These cards allow you to earn accelerated miles when booking hotels, but in some cases you can opt for the cashback or discount option.

Which credit card has discount on Agoda?

Citibank, AMEX, UOB, OCBC, DBS/POSB, HSBC and CIMB credit cards all have tie-ups with popular hotel booking website, Agoda. Currently, you can get 6% to 8% discount when you book and pay with these cards. They all work the same way: Book through the bank's dedicated landing page and your discount will be automatically applied when you make payment.

Can I book a hotel and pay later?

Most hotel booking sites do offer a "book now, pay later" option, but the mechanics may vary from website to website, even from hotel to hotel. Some charge your credit card at a later date (but before your stay begins), while others require you to make payment to the hotel directly when you check in. However, to take advantage of some of the above hotel booking discounts, you may be required to make payment in full at the point of booking. Check the T&Cs of the promotion to be sure.