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Credit cards with refund protection

This complimentary insurance covers you even when a retailer won't refund your eligible purchase.

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If you use your credit card to make a purchase and want to return the item to get a refund, these credit cards will cover you even if the retailer won't issue a refund. You can use this guide to compare credit cards that offer this perk as well as other complimentary purchase insurances so that you can shop with peace of mind.

Compare credit cards with refund protection

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
American Express Velocity Escape Card
20.74% p.a.
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.
American Express Platinum Edge Credit Card
20.74% p.a.
Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year.
American Express Velocity Platinum Card
20.74% p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Business Card
Earn Membership Rewards point per dollar spent on eligible purchases along with refund protection.

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How does a credit card with refund protection work?

If you use your credit card to purchase an item and try to return it within 90 days of purchase and the retailer won't offer a refund, the card provider will cover the cost of the item. As with all complimentary insurance covers, terms and conditions apply. For example, the cover usually only applies to eligible items. This usually excludes faulty items, purchases that can be returned to a retailer with the standard returns policy or items such as antiques, jewellery and precious stones. Your issuer will usually only cover up to a certain amount (such as $500) and you'll need to have tried to return the item within a set number of days (such as 90 days within purchase). You may also only be able to take advantage of this insurance up to a certain amount within a year.

The claim process will vary, but you'll need to complete and submit a form within a certain number of days. You'll need to provide proof of the purchases, which may include a copy of the receipt or credit card statement.

How does refund protection differ from purchase protection?

Purchase protection cover comes with more credit cards than refund protection. Complimentary purchase insurance usually covers cardholders in the case an item is stolen or damaged within 90 days of purchase. You can compare credit cards with purchase protection cover on Finder. Some credit cards also offer complimentary extended warranty. This means that if an item is defective or stops working after the Australian warranty period, you may be covered by your complimentary warranty insurance.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

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* The credit card offers compared on this page are chosen from a range of credit cards 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.

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