Frequent Flyer Credit Cards with Travel Insurance

Information verified correct on May 24th, 2017

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

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.

Frequent Flyer Credit Cards with Complimentary Travel Insurance

Rates last updated May 23rd, 2017.

St.George Amplify Platinum

Replaced 0% p.a. for 12 mos. BT offer with 60,000 bonus points valid until 20 September 2017

May 3rd, 2017

ANZ Rewards Platinum

A new offer of 50,000 Reward Points when you spend $2,500 on purchases within the first 3 months.

May 8th, 2017

Citi Qantas Signature Credit Card

Bonus points offer has been changed extended until 30 June 2017.

May 12th, 2017

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Bonus Points Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
60,000 bonus points 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive a complimentary Priority Pass membership.
50,000 bonus points 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months plus enjoy a $0 annual fee for the first year.
50,000 bonus points 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Qantas American Express Ultimate Card
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
55,000 bonus points 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
75,000 bonus points 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.75 Qantas Points for spending.
50,000 bonus points 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Qantas American Express Premium Card
Fly faster with up to 2.25 Qantas Points per $1 spent and receive complimentary domestic and international travel insurance.
30,000 bonus points 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
American Express Platinum Card
Earn up to 3 Membership Rewards Points per $1 spent and receive complimentary access for you and a guest to over 1,000 VIP Lounges.
80,000 bonus points $1,200 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Take off sooner with up to 1 Velocity Point per $1 spent and receive 30,000 Bonus Velocity Points.
30,000 bonus points 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
St.George Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
90,000 bonus points 19.49% p.a. $279 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
100,000 bonus points 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $375 p.a. Go to site More info
Emirates Citi World Mastercard
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
50,000 bonus points 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Bankwest Qantas World Mastercard
Earn uncapped Qantas Points per $1 spent on eligible purchases. Also enjoy no foreign transaction fees on online and overseas spend.
20.49% p.a. 2.99% p.a. for 9 months $270 p.a. Go to site More info
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
60,000 bonus points 19.49% p.a. $99 p.a. Go to site More info
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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 to Frequent Flyer Credit Cards with Travel Insurance

  1. Default Gravatar
    mike | June 11, 2014

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

    • Staff
      Shirley | June 12, 2014

      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
    Margaret | January 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
      Matt | January 20, 2014

      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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