By Melanie Smithson

Travel has bounced back in a big way post-COVID-19. Now The World Tourism Organisation reports a significant recovery, with global tourism receipts projected to hit around US$1.4 trillion, nearly matching pre-pandemic levels ​. 

If you missed the chance to catch the big games in Paris, don’t worry. Savvy travellers are now leveraging credit card rewards to cover flights, hotels and other travel expenses. Here’s how you can do the same and turn your dream trip into reality.

Get to Know Your Rewards Programme                                                    

Every credit card is different. Some offer points and some offer cash back, which is why it is important that you know the rewards your specific card offers. Before booking anything, familiarise yourself with your credit card’s rewards programme. Understanding how points or cash back is earned — their value, and redemption rules where applicable — is crucial for making the most of your rewards and planning your next adventure. 

Maximise Everyday Spending

Think of every purchase as an opportunity to earn rewards. From groceries to dining out, using your credit card for routine expenses may help you accumulate points or cash back. The more you spend, the more you earn, which can be redeemed for flights, hotels, and other travel-related expenses. 

It’s essential to manage your spending wisely to maximise these benefits. Instead of relying on debit or cash, using your credit card strategically allows you to earn rewards while staying within your budget. By paying off your balance in full each month, you can avoid interest charges and enjoy the perks of your credit card without compromising your financial health. If you’re saving for a big trip, a credit card like NCB Visa Platinum offering up to 3% cashback on gas, groceries, and utilities can make a big difference. If you spend J$60,000 on groceries each month, you get J$5,400 cashback every quarter. This helps reduce your monthly expenses as you save for your big trip.

Score Hotel Stays and Lounge Access

Hotels can be a significant expense, but credit card rewards can help. Look for hotel chains that partner with your rewards programme or browse the rewards portal, like ncbmiles.com, for options. By redeeming points for hotel stays, you can lower your lodging costs or even enjoy upgraded accommodations. What’s more, points can be earned on every purchase and used for any hotel, flight, or other expenses, regardless of whether those companies are partners. This unique flexibility, especially with the NCB Miles reward programme, means you can use your points wherever and whenever you want — from shopping abroad to enjoying breakfast on your staycation.

Pro Tip: Did you know that the NCB Mastercard Platinum Travel credit card offers five complimentary airport lounge visits per year? Imagine relaxing in comfort while you’re waiting for your flight. 

Explore Local and International Adventures

Many rewards programmes offer redemption options for unique experiences, such as guided tours, museum tickets, or local excursions. Whether exploring a new city or enjoying activities in your hometown, these experiences can make your trip unforgettable.

Utilise Travel Insurance Benefits

Some credit cards offer travel insurance when you book using your card. This can cover trip cancellations, lost luggage, and emergency medical expenses. Be sure to review your card’s benefits so you know what’s covered and how to make a claim, allowing you to travel with added peace of mind.

Plan and Track Your Rewards

To maximise your rewards, plan your travel well in advance. Monitor your rewards and keep track of their expiration dates. Stay updated on special offers or promotions to ensure you get the most out of your rewards.

Share and Learn

Join online forums or social media groups where fellow travellers share tips and tricks for maximising credit card rewards. Learning from others can provide valuable insights and help you discover new ways to stretch your rewards. 

By using these tips, you can unlock incredible travel opportunities and turn your dreams into reality. With a bit of planning and strategic use of your rewards, your next adventure is closer than you think. Safe travels!

Melanie Smithson

Melanie Smithson is a seasoned Product and Portfolio Officer with eight years‘ experience managing NCB’s credit card portfolio. Melanie is passionate about helping clients understand the unique benefits of using credit cards wisely to maximise rewards and build credit responsibly. Whether it’s selecting the right card or managing credit effectively, Melanie believes that credit cards, when used strategically, can be powerful tools for achieving financial goals.