Compare credit cards with travel insurance

Average annual fee is $300

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CommBank Ultimate Awards credit card-card-art

CommBank Ultimate Awards credit card

  • Uncapped Qantas Points earning potential

  • Two complimentary lounge visits 

Bonus points
70,000 PTS
Earn rate
Up to 1.2 PTS per $1 spent
Annual fee
$0 monthly fee Min spend & conditions apply + $30 p.a. Qantas Points opt in fee

NAB Qantas Rewards Signature Card-card-art

NAB Qantas Rewards Signature Card

  • Enjoy six 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

Westpac Altitude Qantas Black credit card-card-art

Westpac Altitude Qantas Black credit card

  • 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
$250 + $50 p.a if you opt in to earn Qantas Points

$100 BACK TO YOUR NEW CARD*
ANZ Frequent Flyer Black credit card-card-art

ANZ Frequent Flyer Black credit card

  • Uncapped Qantas Points earning potential 

  • Complimentary Qantas Club Lounge Invitations 

Bonus points
90,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$425

$450 Qantas Travel Credit^
Qantas American Express Ultimate Card-card-art

Qantas American Express Ultimate Card

  • 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

NAB Qantas Rewards Premium Card-card-art

NAB Qantas Rewards Premium Card

  • Complimentary International Travel Insurance 

Bonus points
70,000 PTS
Earn rate
Up to 0.66 PTS per $1 spent
Annual fee
$150 1st year fee $250 p.a thereafter

Qantas Premier Platinum -card-art

Qantas Premier Platinum

  • Uncapped Qantas Points earning potential 

  • 2 Qantas Lounge Invitations per year 

Bonus points
Up to 80,000 PTS Incl. 20,000 PTS for first-time cardholders
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$349 1st year fee $399 p.a thereafter

Suncorp Clear Options Platinum Credit Card-card-art

Suncorp Clear Options Platinum Credit Card

  • Complimentary Travel Insurance 

Bonus points
70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$129 +$49 p.a. if you opt in to earn Qantas Points

St.George Amplify Qantas Signature credit card-card-art

St.George Amplify Qantas Signature credit card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$279

Westpac Altitude Qantas Platinum credit card-card-art

Westpac Altitude Qantas Platinum credit card

  • Complimentary Travel Insurance 

Bonus points
70,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99 1st year card fee $150 p.a thereafter + $50 p.a if you opt in to earn Qantas Points

ANZ Frequent Flyer Platinum credit card-card-art

ANZ Frequent Flyer Platinum credit card

  • Uncapped Qantas Points earning potential 

  • Complimentary Travel Insurance 

Bonus points
70,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$295

Bankwest Qantas Platinum Mastercard®-card-art

Bankwest Qantas Platinum Mastercard®

  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
Up to 50,000 PTS
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$160

BankSA Amplify Qantas Signature credit card-card-art

BankSA Amplify Qantas Signature credit card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$279

Bank of Melbourne Amplify Qantas Signature credit card-card-art

Bank of Melbourne Amplify Qantas Signature credit card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
90,000 PTS
Earn rate
0.75 PTS per $1 spent
Annual fee
$279

CommBank Smart Awards credit card-card-art

CommBank Smart Awards credit card

  • Uncapped Qantas Points earning potential

  • Complimentary International Travel Insurance 

Bonus points
50,000 PTS
Earn rate
Up to 0.8 PTS per $1 spent
Annual fee
$0 monthly fee Min spend & conditions apply + $60 p.a. Qantas Points opt-in fee

$400 Holiday voucher▴
Qantas Premier Titanium -card-art

Qantas Premier Titanium

  • 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

Bendigo Bank Qantas Platinum Credit Card-card-art

Bendigo Bank Qantas Platinum Credit Card

  • Complimentary insurances 

  • No fee for additional cardholders

Bonus points
N/A
Earn rate
0.6 PTS per $1 spent
Annual fee
$149

BOQ Specialist Platinum Card-card-art

BOQ Specialist Platinum Card

  • 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

Qudos Bank Visa Platinum Card-card-art

Qudos Bank Visa Platinum Card

  • 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

Qantas American Express Premium Card-card-art

Qantas American Express Premium Card

  • 2 Qantas Club Lounge Invitations 

  • Complimentary Travel Insurance 

Bonus points
30,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$249

Bankwest Qantas World Mastercard®-card-art

Bankwest Qantas World Mastercard®

  • No foreign transaction fees 

  • Complimentary International Travel Insurance 

Bonus points
N/A
Earn rate
1 PT per $1 spent
Annual fee
$270

BOQ Specialist Signature Card-card-art

BOQ Specialist Signature Card

  • 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

Qantas Premier Everyday-card-art

Qantas Premier Everyday

  • 0% p.a. for 12 months on Balance Transfers 

  • Up to 55 days interest free period 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$49

Bank of Melbourne Amplify Qantas Platinum credit card-card-art

Bank of Melbourne Amplify Qantas Platinum credit card

  • 0% p.a. on Balance Transfers  

  • Complimentary Travel Insurance 

Bonus points
60,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99

BankSA Amplify Qantas Platinum credit card-card-art

BankSA Amplify Qantas Platinum credit card

  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
60,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99

St. George Amplify Qantas Platinum credit card-card-art

St. George Amplify Qantas Platinum credit card

  • 0% p.a. on Balance Transfers for 24 months 

  • Complimentary Travel Insurance 

Bonus points
60,000 PTS
Earn rate
0.5 PTS per $1 spent
Annual fee
$99

American Express® Qantas Business Rewards Card-card-art

American Express® Qantas Business Rewards Card

  • Up to 51 days to pay for purchases 

  • 2 Domestic Qantas Club Lounge Invitations 

Bonus points
150,000 PTS
Earn rate
Up to 1.25 PTS per $1 spent
Annual fee
$450

Westpac BusinessChoice Rewards Platinum Mastercard®-card-art

Westpac BusinessChoice Rewards Platinum Mastercard®

  • Up to 99 additional cardholders

  • Qantas Business Rewards membership 

Bonus points
120,000 PTS
Earn rate
Up to 0.5 PTS per $1 spent
Annual fee
$150

CommBank Business Platinum Awards credit card-card-art

CommBank Business Platinum Awards credit card

  • Complimentary International Travel Insurance 

  • Extra control with Lock, Block, Limit 

Bonus points
50,000 PTS
Earn rate
0.4 PTS per $1 spent
Annual fee
$300+ $30 p.a if you opt in to earn Qantas Points

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.