Macquarie

Credit cards were designed to replace cash in everyday life and interactions and can act as a quick loan when you need it. It’s much easier and safer to carry around a plastic card than a wad of cash.

If you get robbed, you can easily cancel your credit card without much hassle and some credit companies have insurance against lost and stolen cards. If you get robbed of your cash, you have little chance of getting back your money.

Credit cards create convenience

Credit cards are a convenient way to carry around money but unlike a debit card, if your funds run out, credit cards allow you to spend more money on credit that you can pay back over monthly instalments. This makes credit cards very handy for when you need something, but you don’t have the cash to spend at that moment.

Rewards

Credit card companies want you to use their card, so most come with specials and deals to encourage you to use your card. With Macquarie the more you spend, the more you will save. The Hilton Honors reward credit card comes with a host of benefits these include earning weekend night certificates, earning Hilton bonus points for every $1 spent, receiving a range of complimentary travel insurances, up to 55 days interest-free on purchases as well as a concierge service.

Hilton honours rewards

Spend on your Hilton credit card every day and earn points when you spend. If you spend $1 at any hotels or resorts within the Hilton Portfolio group you will earn 1 Hilton Honors Bonus Point.

The Hilton Honors Rewards points benefits:

• The lowest prices anywhere
• Digital check-in for added convenience
• Members will earn airline miles
• Free Wifi
• The longer you stay the more rewards you will unlock

They offer the highest quality customer service that is both friendly and professional. Their innovative banking solutions give their clients access to a wide range of products and services that will help them build, manage and protect their money including short-term loans and investment solutions.

Earn reward weekend night certificates  

If you are a primary cardholder you will be able to earn reward weekend nights certificates at over 4,600 hotels and resorts within the Hilton Portfolio.

All you need to do to qualify is spend $12,000 per year. That works out to you spending as little as $1,000 per month to unlock all these rewards.

To sweeten the deal, if you spend $2,000 in the first 3 months of getting your card you can earn additional weekend night certificates.

Transfer your balance and save

If you already have a credit card you can transfer the balance of your existing credit card and you will receive a balance transfer rate of 2.99% pa for the first 12 months.

By transferring your balance you can save money and only have one card to pay off instead of multiple cards.

Hilton Diamond status

If you spend more than $40,000 per year your credit card will be upgraded to a diamond status that unlocks even more exciting benefits.

These benefits include:

• All members will have a guaranteed room available for them if they book at least 48 hours in advance
• Members will receive a free continental breakfast
• 50 % bonus on all Base Points earned
• Personalised concierge service 24/7