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Update: Some offers mentioned below are no longer available. View the current offers here – Barclaycard Arrival Plus World Elite Mastercard

From white sand beaches and turquoise waters to super-luxe overwater villas and some of the best scuba diving in the world, the Maldives are known for breathtaking scenery and unique geography. And like other exclusive destinations, many Maldivian resorts come with hefty price tags.

While redeeming points and miles can significantly reduce the cost of your hotel stay and international flight, not all travel rewards will work to cover additional and often forgotten expenses like transportation from the airport to your private island resort. With the right planning, however, you can still avoid paying out of pocket by signing up for and using the right credit cards.

One of the Maldives’ biggest draws — its insane level of exclusivity and solitude — comes with a notable catch: inaccessibility. Although several major international carriers that partner with US airlines and credit card programs — like Qatar Airways, Cathay Pacific and Singapore Airlines, among others — operate year-round flights to Malé (MLE), your journey from the airport to paradise often includes at least one other flight or boat ride.

Many hotels, each located in slightly different areas among the nation’s 26 atolls, require guests to pay supplemental fees for the air and sea transfers you’ll need to take to get to the resort. Use our handy chart below to compare the costs of plane or boat transfers among the top points hotels in the Maldives. We’ve also listed each program’s point valuation to provide a more complete picture if you plan to book an award stay. Note that price and points redemption rates at these hotels fluctuate according to availability and time of year.

Chain Hotel Name Loyalty Program Type of Transportation Transfer (round-trip, ages 12+)
Hilton Conrad Maldives Rangali HHonors Seaplane $500
Hyatt Park Hyatt Maldives Hadahaa Hyatt Gold Passport Domestic flight + speedboat $520
IHG Kandooma Maldives IHG Speedboat $100
Starwood Sheraton Maldives Full Moon Resort & Spa SPG Speedboat $136
Starwood St. Regis Maldives Vommuli SPG Seaplane $645
Starwood W Maldives SPG Seaplane or Speedboat $505 or $350

Although you can’t use points or miles to redeem for the flight and boat transfers connected to your hotel stay directly, you can still minimize out-of-pocket expenses by choosing the right card.

Case in point: the Park Hyatt Maldives charges an additional $520 (per person) for the flight and speed boat ride needed to reach the resort from MLE. While you won’t be able to use the Hyatt points you redeem for your stay to cover these transportation charges, you could use your stash of miles from the Barclaycard Arrival Plus World Elite Mastercard to wipe the expense from your statement. This card’s currently offering a sign-up bonus of 40,000 miles after you spend $3,000 in the first 90 days; since miles are worth 1 cent apiece toward travel charges, the sign-up bonus could almost cover the $520 fee, assuming the transfers code as travel with the service operator.

Of course you may opt to pay the fees and redeem your Arrival miles elsewhere, but if you’re planning your dream vacation to the Maldives, having this option can save you serious cash, especially if you’re traveling with your family and need to pay for several plane/boat transfers.

Have you ever been to the Maldives? Tell us about your trip below.

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The Points Guy Assessment:

The Chase Sapphire Preferred is a great pick for the beginner and the frequent traveler. The CSP has superb travel benefits, double points on certain purchases, and a 50,000 point sign up bonus. The $95 annual fee is waived the first year so this puts it as one of the less expensive cards, while still allowing you to earn one of the most valuable point currencies.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
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  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
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Intro APR on Purchases
Regular APR
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.