The NOVA Credit Card positions itself as a luxury option for people who want to convert everyday spending into memorable experiences. With accelerated reward points on travel, dedicated airport lounge access, low forex markup, complimentary golf rounds and other premium perks, the card targets travellers and lifestyle-focused consumers who value convenience and rewards.
Key features at a glance
- Accelerated reward points on travel-related spends and select categories.
- Airport lounge access for domestic and sometimes international lounges.
- Low forex markup that reduces the cost of international transactions.
- Golf privileges including free or discounted rounds and preferred bookings.
- Additional premium services that may include concierge support, travel insurance, and partner merchant benefits.
Rewards designed around travel
For frequent travellers, rewards that accelerate on airfare, hotels and travel bookings can add up quickly. The NOVA Credit Card emphasizes higher point multipliers for travel-related purchases, which means you earn points faster when you use the card to book flights, hotels or travel packages.
Points typically convert into travel credits, flight upgrades, or partner loyalty points, depending on the issuer’s redemption program. To get the most value, align your highest spend with the categories that earn accelerated points and watch how routine travel purchases turn into future discounts or upgrades.
How accelerated points add up (example)
- If routine purchases earn 1 point per dollar but travel bookings earn 3–5 points per dollar, shifting large travel spends to the card multiplies your rewards.
- Combine welcome bonuses or promotional multipliers during travel seasons to maximize point accumulation.
Airport lounge access and travel comforts
Access to airport lounges is one of the most tangible benefits for premium cardholders. Lounges offer a quieter space, complimentary refreshments, Wi‑Fi, and business facilities — valuable for both business travellers and families on long itineraries. The NOVA card’s lounge access reduces travel stress and can make layovers significantly more comfortable.
Lower forex costs for international travel
Foreign exchange markup is the extra charge added to overseas transactions. A lower forex markup means the cardholder pays less when using the card abroad or for foreign-currency online purchases. For frequent international travellers and shoppers, this reduces the hidden cost of travel spending and can produce meaningful savings over time.
Golf privileges and lifestyle value
Golf rounds and related privileges are a hallmark of lifestyle-focused premium cards. The NOVA Credit Card’s golf benefits can include complimentary rounds, discounted green fees, or access to exclusive tee times. For golf enthusiasts, these perks turn weekend rounds into part of the card’s practical value.
Who should consider the NOVA Credit Card?
- Regular travellers who value lounge access and travel-focused rewards.
- People who spend internationally and want to lower forex costs.
- Lifestyle seekers who appreciate golf privileges and concierge-style services.
- Anyone willing to cover a premium annual fee in exchange for high-value perks and accelerated points.
How to make the most of the card
- Concentrate travel spending: Use the card for airfare, hotels and travel bookings to benefit from accelerated points.
- Use lounges strategically: Save lounge visits for long flights or long layovers to get the best return on the perk.
- Combine partner offers: Link rewards with airline or hotel partners when possible to stretch point value further.
- Be mindful of fees: Compare the annual fee and any foreign transaction costs against the value you actually use.
- Time big purchases: Take advantage of limited-time multipliers or welcome bonuses to jump-start your rewards balance.
Costs and trade-offs to consider
Luxury cards typically come with higher annual fees and interest rates than basic cards. The value proposition depends on how much you use the benefits. If you travel frequently, access lounges and play golf often, the perks can justify the fee. If you rarely use the premium services, a lower-fee card might be a smarter choice.
Also evaluate the claim of low forex markup against competing cards. Small percentage differences can add up on large purchases abroad, so run a few scenarios based on your expected travel and spending patterns.
Final take
The NOVA Credit Card is designed for travellers and lifestyle consumers who want perks that elevate ordinary moments — from airport wait times to weekend golf. Its accelerated reward points, lounge access, and low forex costs are attractive to people who can fully use those benefits. As with any premium card, the smart decision comes down to matching your spending habits to the card’s strengths and comparing total costs with expected rewards.