Compare credit cards with travel insurance
Average annual fee is $300
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| Credit card | Bonus points Earn rate Annual fee |
|---|
Enjoy up to five complimentary insurances
NAB Concierge Service
per $1 spent
$450 Qantas Travel Credit^
Complimentary Travel Insurance
Up to 4 Additional Cardholders for no extra fee
per $1 spent
$200 BACK TO YOUR NEW CARD*
Uncapped Qantas Points earning potential
2 Qantas Club Lounge Invitations per year
per $1 spent
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
Uncapped Qantas Points earning potential
2 Qantas Lounge Invitations per year
per $1 spent
Complimentary International Travel Insurance
per $1 spent
Uncapped Qantas Points earning potential
Access to International Travel Insurance
per $1 spent
Complimentary Travel Insurance
per $1 spent
Complimentary Travel Insurance
Two complimentary airport lounge visits
per $1 spent
$100 BACK TO YOUR NEW CARD*
Uncapped Qantas Points earning potential
Complimentary Travel Insurance
per $1 spent
Uncapped Qantas Points earning potential
Two complimentary lounge visits
per $1 spent
Complimentary Travel Insurance
per $1 spent
No international transaction fees
Complimentary International Travel Insurance
per $1 spent
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
20% bonus Status Credits on Qantas flights
10% discounted base fare for Qantas flights
per $1 spent
Complimentary insurances
No fee for additional cardholders
per $1 spent
Complimentary Travel Insurance
Only for Medical, Dental, Veterinary & Accounting specialists
per $1 spent
Up to 55 days interest free period
Complimentary International Travel Insurance
per $1 spent
2 Qantas Club Lounge Invitations per year
Complimentary Travel Insurance
per $1 spent
No international transaction fees
Complimentary International Travel Insurance
per $1 spent
Complimentary Travel Insurance
Only for Medical, Dental, Veterinary & Accounting specialists
per $1 spent
Uncapped Qantas Points earning potential
0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee
per $1 spent
Up to 55 days interest free period
Complimentary Travel Insurance
per $1 spent
Up to 55 days interest free period
Complimentary Travel Insurance
per $1 spent
Up to 55 days interest free period
Complimentary Travel Insurance
per $1 spent
$200 Credit*
Up to 51 days to pay for purchases
2 Domestic Qantas Club Lounge Invitations
per $1 spent
Uncapped Qantas Points earning potential
Qantas Business Rewards Level 2 Advance
per $1 spent
Up to 99 additional cardholders
Qantas Business Rewards membership
per $1 spent
Access to International Travel Insurance
Extra control with Lock, Block, Limit
per $1 spent
Up to 55 days interest free period
A range of complimentary insurances
per $1 spent
Qantas Points earning Travel Insurance credit cards
Many premium credit cards offer different travel benefits and features, including complimentary travel insurance and complimentary lounge passes.
Complimentary Travel Insurance is a popular feature of premium credit cards
It offers you peace of mind knowing that you’re covered should plans go awry while you’re away from home.
Depending on the quality of the policy, complimentary credit card travel insurance can be used instead of a standalone travel insurance policy, which can help reduce costs and save time.
Complimentary Lounge Passes are a nice benefit that some premium credit cards offer, and can make your travel experience that much more enjoyable. It is important to review the terms of insurance which may require that you book your return flights using your credit card for example.
Complimentary travel insurance can cover for a variety of needs including:
- Medical cover for hospital and doctor expenses overseas.
- Lost luggage or damaged property cover.
- Cancellation fee cover if you have to unexpectedly cancel your trip due to events outside your control.
- Travel inconvenience cover for cancelled or delayed flights.
- Transit accident cover for injuries that occur while using some form of transport.
- Legal liability cover in case you injure someone else or damage someone else’s property during your trip.
- But there’s a wide range in terms of what policies will and won’t cover – so it’s important to check your policy before you travel.
What do I need to consider when choosing a credit card with complimentary Travel Insurance?
- Some credit card travel policies only cover international trips or domestic trips, so you need to check whether your trip is covered or not.
- You may have to pay for your flights, tours, and/or accommodation using the card in order to be covered.
- If you are an infrequent traveller, you may not benefit from complimentary travel insurance, as the fees and interest rates may make your credit card more expensive in the long run.
- Exclusions (for example, skiing or watersports or other ‘adventure’ activities) as well an excess may still apply to complimentary travel insurance policies, so it’s important to read the product disclosure statement (PDS) before signing up.
- Credit card travel insurance policies typically only cover trips of up to a certain length (for example, 31 days or three months).
- Cover may not be as extensive as standalone travel insurance policies.
Why choose a credit card with complimentary Travel Insurance?
Credit cards with complimentary travel insurance can be a great way to save time and money. You don’t have to spend time comparing standalone insurance products to figure out what is the best policy for your needs; and you can get cover for a range of different international destinations for the same ‘price’ (i.e. the annual fee of the card). What’s more, card policies often continue to cover older travellers as they age, whereas standalone travel insurance policies can charge higher premiums for older travellers.
Regardless of which credit card you choose, it is important that you read the terms and conditions of any product fully to understand your obligations. We suggest visiting https://moneysmart.gov.au/credit-cards for more information on credit cards, and how to best make them work for you.
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What you need to know
You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.
Except for Qantas-branded products, products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).
The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.
Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept any liability for any loss arising from the use of, or reliance, on the information provided on this webpage.
Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.