Frequent Flyer Credit Cards with Travel Insurance

Earn rewards as you spend and save when you travel with frequent flyer credit cards with complimentary travel insurance

Travel insurance is usually complimentary when airline ticket/s are purchased with the Frequent Flyer Credit Card or by redeeming accumulated FF reward points. Check which card will provide the most cover for the least amount of fees by comparing the various choices on offer.

Frequent Flyer Credit Cards with Complimentary Travel Insurance

Rates last updated May 27th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer


1.5
20.74% p.a.
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
St.George Amplify Platinum
50,000 bonus points
Amplify Rewards / Qantas Frequent Flyer


0.5
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Amplify or Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas Points or 1 Amplify Point per $1 spent.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
ANZ Frequent Flyer Platinum
65,000 bonus points
Qantas Frequent Flyer


0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, a $0 annual fee for the first year.
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer


0.5
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
ANZ Rewards Platinum
65,000 bonus points
ANZ Rewards Program


1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive a $0 first year annual fee offer, 65,000 bonus Reward Points when you meet the spend criteria and up to 1.5 points per $1 spent.
NAB Qantas Rewards Premium Card
60,000 bonus points
Qantas Frequent Flyer


0.66
19.99% p.a.
$250 p.a.
Offers 60,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
ANZ Frequent Flyer Black
75,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
St.George Amplify Signature - Qantas
90,000 bonus points
Qantas Frequent Flyer


0.75
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Qantas Points when you spend $4,000 within 90 days and receive two complimentary Qantas Club lounge invitations per year.
Qantas American Express Premium Card
30,000 bonus points
Qantas Frequent Flyer


1.25
20.74% p.a.
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Platinum Card
80,000 bonus points
Membership Rewards Premium Ascent


1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,100 VIP lounges worldwide.
American Express Velocity Platinum Card
50,000 bonus points
Velocity Frequent Flyer


1.5
20.74% p.a.
$375 p.a.
Receive 50,000 bonus Velocity Points, a complimentary Virgin Australia return Economy domestic flight each anniversary year, plus, 2 lounge passes.
Emirates Citi World Mastercard
60,000 bonus points
Emirates Skyward Miles Program


1
20.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles, pay half the annual fee for the first year and indulge in curated local and global experiences.
NAB Qantas Rewards Signature Card
100,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$395 p.a.
Collect 100,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, earn up to 12,500 points per statement period.
American Express Platinum Edge Credit Card
Membership Rewards


1
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.

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Key features of frequent flyer credit cards

Even though these credit cards may differ in certain aspects, most frequent flyer credit cards with travel insurance give a similar reward offering. Usually, credit cards are grouped into categories such as Gold and Platinum with each having different eligibility criteria and rewards attached to it. When comparing Platinum Frequent Flyer Credit Cards with Travel Insurance, for example, the following features usually apply.

What does complimentary travel insurance usually include?

The complimentary travel insurance on frequent flyer credit cards typically covers the cardholder for both domestic and international travel, but should be confirmed. Other insurance covers include the following:

  • Main cardholder's include:
    • Children
    • Spouse
  • Medical emergency expenses
  • Repatriation
  • Travel inconvenience
    • Travel cancellations
    • Flight interruptions
    • Missed connection flights
    • Flight and baggage delays
  • Personal liability
  • Documents, money and baggage
  • Purchase protection for items when:
    • Stolen
    • Damaged
    • Refund protection
  • Fraud protection. Internet fraud loss protection for online purchases
  • Overseas support. Emergency cash advances and card replacements

Eligibility Criteria

In order to be considered for a Frequent Flyer Credit Card with Travel Insurance, individuals will need to pass certain qualification criteria. These usually include:

  • Age. Individuals of 18 years and older
  • Permanent residents of Australia.
  • Minimum annual income. Usually around $40,000
  • Credit rating. Good credit record

Credit limits given are usually decided by income levels and credit rating status.

Other factors to consider

Various rewards and offerings have been designed to cater for numerous individual circumstances. Card fees could range from $0 to over $300 per annum, and should therefore not be overlooked. Compare the following:

  • Annual fees. Annual card fees for the main cardholder and supplementary cards.
  • Purchase rate. Interest rates charged on purchases.
  • Balance transfer features. Balance transfer fee, rates and period.
  • Frequent Flyer Points. How many points you can earn per $1 spent and whether any points caps apply.
  • Reward points. Earning rates, types of rewards available for redemption.
  • Cash advance rates. If you are going to use cash withdrawals you will have to take the cash advance interest rate into consideration.

Also look out for any introductory promotions offered, especially when considering the interest rate charges on the card. Some banks may even offer a zero percent interest rate for the first 6 months on purchases, but may charge higher rates thereafter. Some cards also offer both a frequent flyer points system with an additional reward system depending on the specific rewards program.

There are a number of Frequent Flyer Credit Cards with Travel Insurance available to individuals who frequently travel by air. This is good news for consumers as this means that competition between banks are fierce, and therefore highly competitive. Look beyond promotional introductory offers to determine which card will have the lowest interest rates and charges before making a final decision.

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NAB Low Fee Card
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4 Responses

  1. Default Gravatar
    mikeJune 11, 2014

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

    • Staff
      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

  2. Default Gravatar
    MargaretJanuary 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?

    • Staff
      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

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