Compare credit cards with travel insurance

Average annual fee is $300

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Credit card
Bonus points
Earn rate
Annual fee
Estimated Qantas Points
  • Enjoy five complimentary insurances 

  • NAB Concierge Service 

Bonus points
Up to 120,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$295 1st year fee $395 p.a thereafter
192,000 PTS
Over based on
$450 Qantas Travel Credit^ 
  • Complimentary Travel Insurance 

  • Up to 4 Additional Cardholders for no extra fee 

Bonus points
60,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
150,000 PTS
Over based on
$200 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Club Lounge Invitations per year 

Bonus points
Up to 130,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$425
202,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
Up to 120,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295 + $75 p.a if you opt in to earn Qantas Points
174,000 PTS
Over based on
  • Uncapped Qantas Points earning potential 

  • 2 Qantas Lounge Invitations per year 

Bonus points
Up to 80,000 PTS Incl. 20,000 points for first-time cardholders
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$349 1st year fee $399 p.a thereafter
152,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
144,000 PTS
Over based on
  • Complimentary International Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 0.66 PTS per $1 spent
Annual fee
$150 1st year fee $250 p.a thereafter
117,520 PTS
Over based on
  • Uncapped Qantas Points earning potential

  • Access to International Travel Insurance 

Bonus points
Up to 30,000 PTS
Earn rate
Up to 0.8 PTS per $1 spent
Annual fee
$19 monthly fee + $60 p.a. Qantas Points opt in fee
62,400 PTS
Over based on
  • Complimentary Travel Insurance 

  • Two complimentary airport lounge visits 

Bonus points
Up to 70,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$350 1st year fee
106,000 PTS
Over based on
$100 BACK TO YOUR NEW CARD*
  • Uncapped Qantas Points earning potential 

  • Complimentary Travel Insurance 

Bonus points
75,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$295
129,000 PTS
Over based on
  • Complimentary Travel Insurance 

Bonus points
Up to 80,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $175 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
116,000 PTS
Over based on
  • Uncapped Qantas Points earning potential

  • Two complimentary lounge visits 

Bonus points
N/A
Earn rate
Up to 1.2 PTS per $1 spent
Annual fee
$35 monthly fee + $60 p.a. Qantas Points opt in fee
36,000 PTS
Over based on
  • Complimentary Travel Insurance 

Bonus points
40,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$129 +$49 p.a. if you opt in to earn Qantas Points
76,000 PTS
Over based on
  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
Up to 50,000 PTS
Earn rate
Up to 0.6 PTS per $1 spent
Annual fee
$160
89,600 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
144,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$295+ $75 p.a. if you opt in to earn Qantas Points
144,000 PTS
Over based on
  • 20% bonus Status Credits on Qantas flights 

  • 10% discounted base fare for Qantas flights 

Bonus points
150,000 PTS
Earn rate
Up to  2 PTS per $1 spent
Annual fee
$1,200
240,000 PTS
Over based on
  • Complimentary insurances 

  • No fee for additional cardholders

Bonus points
N/A
Earn rate
0.6 PTS per $1 spent
Annual fee
$149
43,200 PTS
Over based on
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
N/A
Earn rate
Up to 1 PT per $1 spent
Annual fee
$150
36,000 PTS
Over based on
  • Up to 55 days interest free period 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$199
66,000 PTS
Over based on
  • 2 Qantas Club Lounge Invitations per year  

  • Complimentary Travel Insurance 

Bonus points
20,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$249
92,000 PTS
Over based on
  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$270
72,000 PTS
Over based on
  • Complimentary Travel Insurance 

  • Only for Medical, Dental, Veterinary & Accounting specialists

Bonus points
20,000 PTS
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$400
92,000 PTS
Over based on
  • Uncapped Qantas Points earning potential 

  • 0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$99
62,000 PTS
Over based on
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
106,000 PTS
Over based on
  • 0% p.a. on Balance Transfers  

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
106,000 PTS
Over based on
  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
Up to 70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year fee $124 p.a thereafter + $75 p.a if you opt in to earn Qantas Points
106,000 PTS
Over based on
  • Up to 51 days to pay for purchases 

  • 2 Domestic Qantas Club Lounge Invitations 

Bonus points
170,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450
260,000 PTS
Over based on
  • Up to 99 additional cardholders

  • Qantas Business Rewards membership 

Bonus points
50,000 PTS
Earn rate
Up to 0.5 PTS per $1 spent
Annual fee
$150
86,000 PTS
Over based on

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

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:

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?

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.

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.

The credit card products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant credit licensees. The information about the credit products has been provided by the relevant credit licensees and not Qantas. Qantas does not hold an Australian Credit Licence and is not a licensee in relation to the credit activity being engaged in by the relevant credit licensees.

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 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.

^Estimated points calculations:

- Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.

- Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.

- Include points capping and points tiers, if applicable.

- Assume 100% of spend is categorised as eligible everyday domestic spend. Check the relevant T&Cs to determine what spend qualifies for points earning. For some products, international spend, government spend and spend on Qantas products and services may result in additional points, or fewer points, being awarded. Where applicable, eligible domestic spend is split into 4 categories:
  • Major Restaurants, Cafes and Hotels (6%),
  • Major Petrol outlets, Supermarkets and National retailers (16%)
  • Utilities (3%)
  • All other spend (75%)

- Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Money Premier Platinum credit card where these bonus points are always available).

- Do not include bonus points on balance transfers.

This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.