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.

HSBC Platinum Qantas Credit Card

Receive up to 60,000 bonus Qantas Points

Offer ends 31 December 2017

Eligibility criteria, terms and conditions, fees and charges apply

HSBC Credit Card Offer

Benefit from complimentary international travel insurance cover, and a promotional balance transfer rate. Receive 60,000 bonus Qantas Points when you spend $3,000 in the first three months

  • $199 p.a. annual fee.
  • 19.99% p.a. on purchases
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $40,000 p.a.
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Frequent Flyer Credit Cards with Complimentary Travel Insurance

Rates last updated November 19th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
HSBC Platinum Qantas Credit Card
60,000 bonus points
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
Citi Qantas Signature Credit Card
50,000 bonus points
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 0.5 Qantas Points per $1 spent on selected purchases and get 2 airport lounge visits per year.
ANZ Rewards Platinum
65,000 bonus points
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive 65,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
NAB Qantas Rewards Premium Card
25,000 bonus points
19.99% p.a.
$250 p.a.
A premium card that offers 25,000 bonus points when you meet the spend requirements. Plus a 24/7 personal concierge.
ANZ Frequent Flyer Black
75,000 bonus points
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
ANZ Frequent Flyer Platinum
65,000 bonus points
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 65,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
American Express Platinum Edge Credit Card
20.74% p.a.
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
Qantas American Express Premium Card
30,000 bonus points
20.74% p.a.
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year and the protection of complimentary travel insurance.
American Express Platinum Card
80,000 bonus points
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,100 VIP lounges.
NAB Velocity Rewards Premium Card
19.99% p.a.
$150 p.a.
Offers up to 0.66 Velocity Points per $1 spent on purchases, combined with complimentary insurance covers and a concierge service.
St.George Amplify Signature
60,000 bonus points
19.49% p.a.
$279 p.a.
Earn up to 1.5 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
American Express Velocity Platinum Card
50,000 bonus points
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
Emirates Citi World Mastercard
60,000 bonus points
20.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
St.George Amplify Platinum
40,000 bonus points
19.49% p.a.
$99 p.a.
Earn up to 1 Amplify Rewards Point per $1 spent and receive complimentary overseas travel insurance.
NAB Qantas Rewards Signature Card
100,000 bonus points
19.99% p.a.
$395 p.a.
Receive 100,000 bonus Qantas points when you spend $3,000 on everyday purchases within 60 days of account opening.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
20.74% p.a.
$289 p.a.
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 80,000 bonus Velocity Points. Plus, complimentary travel insurance.
Bankwest Qantas World Mastercard
20.49% p.a.
$270 p.a.
Earn uncapped Qantas Points per $1 spent on eligible purchases. Also enjoy 0% foreign transaction fees on online and overseas spend.
Qantas American Express Ultimate Card
55,000 bonus points
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and two American Express Airport Lounge entries each calendar year.

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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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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.


  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.

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