If you want to save money when booking hotels on Agoda, the most direct way is to take advantage of exclusive offers provided by credit card networks or banks. However, there’s one crucial condition: you must access Agoda through the designated “exclusive link”; otherwise, the discount will not be applied! Opening the Agoda app or the official website directly will not trigger the offer. Below is a summary of the latest promotions from the three major international card networks.
【Mastercard】Offer: Up to 12% Discount
Mastercard holders enjoy some of the widest and most comprehensive Agoda offers, making it a favorite among frequent travelers. Discounts may vary depending on the card tier, so be sure to check which type of Mastercard you have!
As one of the world’s largest card networks, VISA naturally offers hotel booking discounts as well. Although the discount rate may be slightly lower than Mastercard’s, its wide acceptance makes it highly accessible, almost everyone has a VISA card.
If you’re a frequent traveler to Japan or South Korea, a JCB credit card is your ultimate travel weapon! JCB partners with numerous merchants across both countries, offering especially generous Agoda discounts for its cardholders.
In addition to international card networks, many major banks in Taiwan frequently collaborate with Agoda to launch exclusive bonus offers. These promotions can often be stacked with card network discounts, but always refer to each bank’s official campaign page and terms for confirmation.
| Bank | Card Type |
Main Offer |
Notes |
| Cathay United Bank | CUBE Card | Switch to the “Fun Travel” reward category to enjoy 3% unlimited Tree Point cashback. |
Must log in to the online banking app to manually switch the reward category. |
| Taipei Fubon Bank | J Card (JU Card) | Enjoy up to 10% cashback on spending in Japan and Korea (including bonus rewards). | Bonus rewards are subject to a cashback limit; be sure to check the promotion period |
| Taishin Bank | FlyGo Card | Enjoy up to 3% unlimited cashback on overseas spending (including hotel booking sites). | Must complete designated tasks (such as enrolling in e-statements) |
| E.SUN Bank | Kumamon Card | Enjoy up to 8.5% cashback on spending in Japan. | Cashback is capped and limited to designated merchants in Japan |
Smart travelers never put all their eggs in one basket. Besides Agoda, platforms like Booking.com and Hotels.com each have their own advantages. Understanding how their reward systems and discounts work allows you to become a savvy saver no matter which platform you use to book your stay.
Agoda’s biggest appeal lies in its “instant discounts”. By booking through an exclusive link and paying with an eligible credit card, the discount is applied immediately at checkout, simple and effective. With the widest range of partner banks and card types, almost everyone can find an offer that suits them, making Agoda the go-to choice for effortless hotel booking.
Booking.com’s reward model leans more toward a “loyalty-based system”. Instead of direct discounts, it offers “A-Cash” (Agoda Cash) or Genius membership-level point rewards. One of its biggest advantages is the abundance of “Pay Later” or “Pay at Property” options, giving travelers much greater flexibility when planning trips.
Hotels.com and Expedia belong to the same group, and their main strength lies in their loyalty programs. Hotels.com’s classic “Stay 10 Nights, Get 1 Free” program is especially appealing to frequent travelers or business trippers. Expedia, on the other hand, offers excellent value for “flight + hotel” package bookings.
After reviewing all the hotel booking platform deals, the ultimate question remains: which card should you use? Here are 10 of the most highly acclaimed travel credit cards in 2025. Whether you prefer cashback, air miles, or are just starting out as a budget traveler, you’ll find the perfect card to match your travel style.
These credit cards are ideal for those who dislike complicated reward systems and prefer straightforward cash rebates when spending abroad.
If your bucket list includes redeeming business-class tickets or traveling around the world, mileage cards are your ultimate accelerator toward that dream.
Just entered the workforce or only travel abroad occasionally? Don’t worry, there are plenty of no-annual-fee, low-barrier travel cards that still offer great rewards.
Planning a perfect trip starts with smart booking. The 2025 travel market is full of opportunities, and the key to maximizing your savings lies in “choosing the travel credit card that best matches your spending habits” and “using the correct method (such as Agoda’s exclusive booking link)”.
This article has provided a complete breakdown of the latest Agoda credit card offers, smart card strategies across major booking platforms, and a curated list of 10 top travel cards for different traveler types. Before you set off, take one more look at your wallet, spend a little time applying for a high-reward credit card, and turn every hotel stay and overseas purchase into a smart investment that adds more unforgettable memories to your journey!
Generally, no. Agoda’s system typically allows only one type of discount per booking. When you access Agoda through a bank’s exclusive link, the system automatically applies the corresponding credit card discount. However, if you manually enter a promo code, it may override the existing credit card offer. It’s recommended to compare both options and use whichever provides the greater discount.
It depends on the specific promotion. In most cases, credit card discount campaigns clearly state that “A-Cash accumulation may not apply”. When you reach the checkout page, check whether the estimated A-Cash earnings are displayed. If your goal is immediate savings, the credit card discount usually provides better value.
Overseas transaction fees are typically 1.5% in total (about 1% charged by Mastercard or VISA and 0.5% added by the issuing bank). Therefore, when choosing a travel credit card, the basic rule is that your overseas cashback rate should be “higher than 1.5%” to truly earn rewards. Cards such as Taishin FlyGo Card (3%) or Union Bank Jih Crane Card (4.5% on Japanese yen) offer cashback rates well above the fee, allowing you to spend abroad with confidence.
Not necessarily. Many hotel booking platforms display a lower initial price to appear more competitive, but this amount may not include taxes and service fees. You’ll only see the full total on the final checkout page. Therefore, when comparing prices, always refer to the final checkout amount to avoid any unexpected differences.
