Get the Finder app 🥳

Connect your accounts & save

Frequent Flyer Credit Cards with Travel Insurance

Earn points as you spend and travel with peace of mind with a frequent flyer credit card that gives you complimentary travel insurance.

Updated

Fact checked
If you’re planning an overseas trip, you could earn points as you spend and save on travel costs with a frequent flyer credit card that offers complimentary international travel insurance. As the points potential and inclusions of the travel insurance will vary, it’s important to compare your options before you apply for one of these cards.

You can use this guide to compare credit cards linked with Qantas Frequent Flyer, Velocity Frequent Flyer and credit card rewards programs that also come with complimentary travel insurance.

Compare frequent flyer credit cards with complimentary travel insurance

Data indicated here is updated regularly
Name Product Bonus Points Rewards program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
ANZ Frequent Flyer Black
130,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back when you spend $3,000 in the first 3 months with this premium card.
Qantas Premier Platinum
80,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 80,000 bonus Qantas Points, 75 bonus Status Credits, a discounted first-year annual fee and a 0% p.a. balance transfer rate for 18 months.
NAB Qantas Rewards Signature Card
130,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
American Express Platinum Edge Credit Card
Membership Rewards Ascent
Amex
1
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus up to 3 Membership Rewards Points / $1.
St.George Amplify Platinum
Amplify Rewards
Visa/MC
1
0% for 7 months, reverts to 19.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.
Qantas American Express Ultimate Card
80,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 80,000 bonus Qantas Points, $100 back, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
BankSA Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
Bank of Melbourne Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
St.George Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 6 months and complimentary insurance covers.
loading

Compare up to 4 providers

What is covered by my complimentary travel insurance policy?

The specific details will vary between policies and you’ll need to confirm exactly what you’re eligible for, but complimentary international travel insurance cover usually includes the following:

  • Emergency medical expenses when you’re travelling overseas
  • Loss, theft and damage cover for luggage and personal belongings
  • Compensation for unavoidable trip cancellation or missed connections
  • Travel inconvenience compensation for delayed flights
  • Car rental insurance excess waiver
  • Personal liability while travelling
  • Accidental death, permanent disability and loss of income

The length of this cover will vary between policies, but can sometimes cover up to three to six months of travel. This cover usually applies to the cardholder as well as to the cardholder’s spouse or dependent children when they’re travelling with the account holder. Your spouse or children will also need to meet the eligibility requirements to make an insurance claim.

How to access your complimentary travel insurance

credit card and plane tickets on laptop

You might have to meet a spend requirement to activate your insurance policy. For example, you may be required to spend at least $500 on prepaid travel costs (such as flights, accommodation or tour bookings). Meanwhile, other card issuers may require you to activate your offer via the mobile banking app to access the insurance. You can check your card’s complimentary travel insurance policy for the exact steps you’ll need to take to access the cover.

Like standalone travel insurance policies, you’ll need to meet eligibility requirements to access complimentary insurance. For example, these policies don’t always cover cardholders who are more than 79 years of age or who have pre-existing medical conditions. You can find the details of the policies and the individual eligibility requirements on the bank website.

How to compare frequent flyer credit cards with complimentary travel insurance

When you’re comparing cards that earn points and offer complimentary travel insurance, you should consider the following factors:

  • Bonus points. Many frequent flyer cards offer new cardholders thousands of bonus points on sign up. You usually need to spend a certain amount to get the bonus points, but they can help boost your rewards balance and allow you to redeem your goal reward faster
  • Earn rates. You should also compare cards by how many points you’ll earn per $1 spent. The earn rates will vary between cards and different eligible purchases, but 1 point per $1 spent is a relatively competitive rate.
  • Policy details. Compare the inclusions, exclusions and eligibility requirements of the complimentary insurance policy before you sign up. You should also research the claim process in case you need to contact your insurer while you’re overseas
  • Annual fees. Although some offer $0 or reduced annual fees, these cards usually charge high annual fees. Make sure that the value of the rewards, complimentary insurance and other extras offset this cost to justify getting the card.
  • Purchase interest rates. These cards usually charge high purchase interest rates. While you should aim to pay off your balance in full each statement to avoid interest, you should still consider the interest rates you’ll collect on your purchases.

A frequent flyer credit card with complimentary travel insurance could be a great way to earn points as you spend and travel with peace of mind. However, as the insurance policies will vary between products, it’s important to compare your options to ensure the cover suits your needs.

Images: Shutterstock

Back to top

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

6 Responses

  1. Default Gravatar
    CasiJune 15, 2018

    Hi I am a frequent flyer card holder dark blue card, I want to take out travel insurance and want a quote please zzz how do I get this. Regards casi

    • Default Gravatar
      ArnoldJune 15, 2018

      Hi Casi,

      Thanks for your inquiry

      Cards with Complimentary travel insurance will usually require you to meet eligibility criteria to qualify for the cover. These requirements may vary between frequent flyer cards. To know the criteria you need to meet and to make sure you qualify for a cover, it would be best to check directly with the card issuer.

      Hope this information helps

      Cheers,
      Arnold

  2. Default Gravatar
    mikeJune 11, 2014

    does my ANZ platinum card give me travel insurance overseas when I purchase the travel?

    • Avatarfinder Customer Care
      ShirleyJune 12, 2014Staff

      Hi Mike,

      Thanks for your question.

      Yes the ANZ Platinum card offer travel insurance. Please see this page for eligibility requirements.

      Cheers,
      Shirley

  3. Default Gravatar
    Margaret-AnnJanuary 18, 2014

    With the HSBC Credit Card it says you ‘might’ receive 20,000 reward points. What are the eligible requirements to receiving the 20,000 award points?

    • Avatarfinder Customer Care
      MattJanuary 20, 2014Staff

      Hi Margaret,

      Thanks for your question – the bonus 20,000 points comes when you make an eligible purchase within 3 months of applying.
      Cheers
      Matt

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
2.99% p.a. for 9 months
$79 p.a.
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
loading

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
Go to site