MyCard complimentary credit card insurance
MyCard credit cards come with complimentary purchase protection and extended warranty insurance policies. Some cards also come with travel insurance cover too.
Key takeaways
- MyCard credit cards offer multiple complimentary insurance benefits, depending on the card. This includes travel insurance, purchase protection insurance and extended warranty insurance.
- Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1800 072 791 (from Australia) or email cardclaims@allianz-assistance.com.au.
- You can get written confirmation of your cover eligibility here. This guide is based on details in the MyCard complimentary credit card insurance policy booklet effective 26 November 2025.
- From 15 May 2026 the MyCard Rewards, Platinum, Platinum Qantas and Clear credit cards will no longer offer complimentary travel insurance (international and domestic).
What types of insurance do MyCard credit cards offer?
MyCard offers 3 types of cover on its credit cards. Note that not every credit card comes with complimentary travel insurance.
- Complimentary travel insurance. Eligible cardholders can get both domestic and international travel insurance plus rental vehicle excess insurance.
- Complimentary purchase protection insurance. If you purchase eligible items via your MyCard credit card you can get covered for 90 days from the purchase, in cases of theft, accidental damage or permanent loss.
- Complimentary extended warranty insurance. You can get covered if an item you purchase with your credit card breaks down within a 12 month period from purchase.
MyCard complimentary travel insurance
Be sure to check MyCard's insurance booklet for the full and up-to-date details about your card's insurance cover.
Domestic travel insurance eligibility
You're eligible for domestic travel insurance cover when you live in Australia and use an eligible MyCard credit card to either cover the entire cost a return domestic flight or prepay at least $250 of travel costs (and have a return ticket).
Domestic travel insurance benefit limits and excess
| Benefit | Limit | Excess |
|---|---|---|
| Cancellation | $3,000 for all claims | $75 |
| Flight delay | $125 per person, up to $300 total combined, for flight delays of four hours or more | Nil |
| Additional expenses | Maximum total of $,3000 | $75 |
| Luggage | $750 per item, maximum total limit of $2,000 | $75 |
| Luggage delay | $150 per person, up to $400 total combined, for delays of 12 hours or more | Nil |
International travel insurance eligibility and cover
You're eligible for international travel insurance cover when you live in Australia and use an eligible MyCard credit card to cover at least $500 of prepaid travel costs and hold a return overseas ticket before leaving Australia.
You'll also need to be under the age of 81.
If you're traveling together with a spouse or dependents they'll be covered if they reside in Australia, have return overseas tickets and are under 81.
International travel insurance benefit limits
| Coverage | Limit |
|---|---|
| Overseas Emergency Assistance (including Medical Evacuation and Repatriation) | $20 million |
| Overseas Emergency Medical | $20 million |
| Overseas Emergency Dental (Spontaneous Toothache) | Up to a maximum total limit of $2,000 per person |
| Hospital Cash Allowance | $100 per person per day (Max $15,000 per cardholder/spouse) |
| Accidental Death | $50,000 for the cardholder, $50,000 for a spouse and $25,000 per dependant with a max total limit $150,000 |
| Funeral Expenses | Up to a maximum total limit of $60,000 per cardholder or spouse |
| Loss of Income | Verified income per week, up to a maximum total limit of $13,000 each for cardholder or spouse |
| Assault requiring Hospital Admission | $500 per person |
| Permanent Disability | $50,000 per cardholder or spouse |
| Cancellation (General) | Up to a maximum total limit per cardholder or spouse of $25,000 |
| Travel agents cancellation fees | $2,000 or the amount of fee/commission earned by the agent, whichever is lesser |
| Rescheduling your journey | Meals - up to $75 per person per day (max $500 per person) Internet and phone use - up to $250 per person |
| Withdrawal of Services | $50 per person per 24 hours (max $500 per cardholder/spouse) |
| Additional Expenses | $200,000 |
| Travel Delay Expenses (meals/accommodation after 6 hour delay) | Up to $500 per person (max $2,000 per cardholder/spouse) |
| Alternative Transport Expenses | Up to a maximum total limit of $3,250 per cardholder or spouse |
| Return home and Resumption of Journey (relative's death/hospital admission) | Up to a maximum total limit of $5,000 per cardholder or spouse |
| Domestic Pet Accommodation | Up to a maximum total limit of $500 per cardholder or spouse |
| Emergency Accommodation due to Terrorism | Up to $300 per person, per day (max $3,000 per cardholder/spouse) |
| Hijack | Up to a maximum total limit of $10,000 per cardholder or spouse |
| Luggage | Up to a maximum total limit of $15,000 per cardholder or spouse |
| Travel Documents/Cards/Cheques - Reissue or replacement cost | Reissue or replacement cost - up to a maximum total limit of $5,000 per cardholder or spouse Fraudulent use - up to a maximum total limit of $5,000 per cardholder or spouse |
| Luggage Delay | Up to $500 after 10 hours, and additional $1,000 after 72 hours (max $1,500 per cardholder/spouse) |
| Replacement Sporting Equipment | Up to a maximum total limit of $200 per cardholder or spouse |
| Rental vehicle damage or theft (Level 1 Cards) | Level 1 cards - up to a maximum total limit of $10,000 per cardholder or spouse Level 2 cards - up to a maximum total limit of $5,000 per cardholder or spouse |
| Return of rental vehicle | Up to a maximum total limit of $750 per cardholder or spouse |
| Personal Liability (Level 1 Cards) | Level 1 cards - up to a maximum total limit of $2,500,000 per event per cardholder or spouse Level 2 cards - up to a maximum total limit of $1,000,000 per event per cardholder or spouse |
| Legal Expenses | Up to a maximum total limit of $15,000 per cardholder or spouse |
Which credit cards have travel insurance cover?
The following MyCard credit cards offer complimentary international and domestic travel insurance, and rental vehicle excess insurance (in Australia):
- MyCard Prestige
- MyCard Prestige Qantas
- MyCard Premier
- MyCard Premier Qantas
MyCard complimentary purchase protection insurance
All MyCard credit cards offer complimentary purchase protection insurance cover. This is a type of insurance that covers you when an item you purchase with your credit card is stolen, lost or damaged.
MyCard's complimentary purchase protection insurance covers you for 90 days from the date of purchase.
You'll be covered for the original purchase price of the item. In the case of jewellery, art or watches there's a limit of $5,000 per claim.
The total limit for all claims is $200,000 within 12 months.
MyCard complimentary extended warranty insurance
All MyCard credit cards also offer complimentary extended warranty insurance. This is a type of insurance gives you an extra year's warranty after any manufacturer's warranty expires.
You need to purchase the item using a MyCard credit card.
With MyCard's cover this doesn't apply if the original warranty lasts longer than 5 years. Cover is limited to the purchase price, up to $10,000 per item. There's a maximum total limit of $40,000 per card per year.
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