Does the cover include my family?

Many cards cover the primary cardholder and their accompanying spouse and dependent children, but the terms vary. Confirm who's covered and any age limits in the policy before you travel.

Credit cards with free travel insurance

Worried about travel mishaps without cover? Compare credit cards with free travel insurance in Australia for both domestic and international trips.

Complimentary domestic and international cover
Often covers your family too
May add lounge access and no foreign fees

Written by Vidhu BajajReviewed by Nilooka Dissanayake and David Boyd

Featured

BankSA Amplify Qantas Signature

1 review

150,000 bonus Qantas Points
Complimentary airport lounge access

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Find cover for what matters to you

Pick the cover you need. The table narrows to cards whose travel insurance confirms it.

Showing all cards with travel insurance.

Compare 53 free travel insurance credit cards

Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Rewards program	Earn rate	Annual fee	Foreign transaction fee
	Bankwest Breeze Platinum Mastercard 8 reviews	—	—	$59	0%	60 second approval
	Bendigo Bank Ready Credit Card	—	—	$0	0%
	HSBC Low Rate Credit Card	—	—	$99	0%
	American Express Platinum Card 16 reviews	American Express Membership Rewards	2.25 pts per $1Uncapped	$1,450	3.5%	60 second approval
	Bank First Visa Platinum Credit Card	—	—	$99	0%
	American Express Platinum Business Card 6 reviews	American Express Membership Rewards	2.25 pts per $1Uncapped	$1,750	3.5%	60 second approval
	Westpac Altitude Rewards Platinum 19 reviews	Westpac Altitude Rewards	1 pt per $1Capped	$99	3%	60 second approval
	Macquarie Black Card	Macquarie Credit Card Rewards Program	2 pts per $1Capped	$249	0%
	Macquarie Platinum Card 2 reviews	Macquarie Credit Card Rewards Program	1 pt per $1Capped	$149	0%
	St.George Amplify Rewards Platinum	Amplify Rewards	1 pt per $1Capped	$99	3%	60 second approval
	BankSA Amplify Rewards Platinum	Amplify Rewards	1 pt per $1Capped	$99	3%	60 second approval
	Bank of Melbourne Amplify Rewards Platinum	Amplify Rewards	1 pt per $1Capped	$99	3%	60 second approval
	St.George Amplify Rewards Signature 4 reviews	Amplify Rewards	1 pt per $1Capped	$199	3%	60 second approval
	BankSA Amplify Rewards Signature	Amplify Rewards	1 pt per $1Capped	$199	3%	60 second approval
	Bank of Melbourne Amplify Rewards Signature	Amplify Rewards	1 pt per $1Capped	$199	3%	60 second approval
	NAB Rewards Signature Card	NAB Rewards	1.5 pts per $1Capped	$420	0%	60 second approval
	ANZ Rewards Black Credit Card 1 review	ANZ Rewards Program	2 pts per $1Capped	$320	3.5%	60 second approval
	Bankwest Qantas Platinum Mastercard 4 reviews	Qantas Frequent Flyer	0.6 pts per $1Capped	$199	0%	60 second approval
	ANZ Rewards Platinum	ANZ Rewards Program	1.5 pts per $1Capped	$94	3.5%	60 second approval
	ANZ Platinum Credit Card 19 reviews	—	—	$0	3.5%	60 second approval
	BOQ Specialist Platinum Credit Card	Qantas Frequent Flyer	0.4 pts per $1Capped	$0	3.2%
	Bendigo Bank Platinum Rewards Credit Card	Bendigo Rewards	1.5 pts per $1Uncapped	$89	3%
	American Express Business Gold Plus Card 2 reviews	American Express Membership Rewards	1.5 pts per $1Uncapped	$395	3.5%	60 second approval
	HSBC Premier World Mastercard	HSBC Rewards Plus	1.5 pts per $1Capped	$199	3%
Virgin MoneySignature •••• •••• •••• •••• Credit Card CompareVisa	Virgin Australia Velocity High Flyer Credit Card	Velocity Frequent Flyer	1 pt per $1Capped	$329	3%	Application
	MyCard Premier	MyCard Rewards	1 pt per $1Capped	$300	3.5%
	Westpac BusinessChoice Rewards Platinum Credit Card	Qantas Business Rewards	0.5 pts per $1Capped	$150	3%	60 second approval
	Westpac Altitude Business Gold Credit Card	Westpac Altitude Rewards	1 pt per $1Capped	$0	3%	60 second approval
	Bank of Melbourne Amplify Qantas Platinum 2 reviews	Qantas Frequent Flyer	0.35 pts per $1Capped	$175	3%	60 second approval
	Westpac Altitude Qantas Platinum	Qantas Frequent Flyer	0.35 pts per $1Capped	$175	3%	60 second approval
	Heritage Bank Visa Platinum Credit Card 1 review	Heritage Credit Rewards	3 Heritage Credits per $1,500Uncapped	$125	3%
	American Express Qantas Business Rewards Card	Qantas Business Rewards	1.25 pts per $1Uncapped	$450	3.5%	60 second approval
	MyCard Premier - Velocity Points Offer	MyCard Rewards	1 pt per $1Capped	$300	3.5%
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Premium Credit Card	RevPoints	3 RevPoints per $8Uncapped	$144	0%
	BankSA Amplify Qantas Signature 1 review	Qantas Frequent Flyer	0.5 pts per $1Capped	$295	3%	60 second approval
	ANZ Qantas Business Rewards	Qantas Business Rewards	0.75 pts per $1Capped	$300	3%	60 second approval
	CommBank Ultimate Awards Credit Card	CommBank Awards Program	1 pt per $1Capped	$420	0%	60 second approval
	Bendigo Bank Qantas Business Credit Card	Qantas Business Rewards	0.6 pts per $1Capped	$89	3%
	Westpac Altitude Business Platinum Credit Card	Westpac Altitude Rewards	1 pt per $1Uncapped	$200	3%	60 second approval
	HSBC Platinum Qantas Credit Card 4 reviews	Qantas Frequent Flyer	1.5 pts per $1Capped	$399	3%
	Qudos Bank Visa Platinum Credit Card	Qantas Frequent Flyer	1 pt per $1Capped	$189	3.65%
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Metal Credit Card	RevPoints	1 RevPoint per $1Uncapped	$348	0%
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Ultra Credit Card	RevPoints	1.3 RevPoints per $1Uncapped	$1,200	0%
	American Express Platinum Edge Credit Card 18 reviews	American Express Membership Rewards	1 pt per $1Uncapped	$0	3.5%	60 second approval
	ANZ Frequent Flyer Platinum 34 reviews	Qantas Frequent Flyer	0.75 pts per $1Capped	$240	3.5%	60 second approval
	G&C Mutual Bank Platinum Visa Credit Card	Qantas Frequent Flyer	1 pt per $1Capped	$299	3%
	Bank Australia Platinum Rewards Visa Credit Card 2 reviews	Qantas Frequent Flyer	0.75 pts per $1Capped	$189	3%
	Qantas American Express Premium Card 3 reviews	Qantas Frequent Flyer	1 pt per $1Uncapped	$249	3.5%	60 second approval
	Bendigo Bank Qantas Platinum Credit Card	Qantas Frequent Flyer	0.6 pts per $1Capped	$149	3%
	CommBank Business Platinum Awards Credit Card 13 reviews	CommBank Awards Program	1 pt per $1Capped	$300	1.5%	60 second approval
David JonesPlatinum •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Prestige Credit Card	David Jones Rewards	1 pt per $1Uncapped	$295	3%	Application
	BOQ Specialist Signature Credit Card	Qantas Frequent Flyer	1 pt per $1Capped	$400	3.2%
	ANNA Money Business Credit Card	—	—	$384	0%

Free travel insurance by the numbers

Cards compared

Cards earning rewards

$277

Average annual fee

Lowest annual fee

How credit card travel insurance works

Many premium cards in Australia include complimentary travel insurance, which can give peace of mind on domestic and international trips and save hundreds on a separate policy.

To rely on the cover, you usually have to meet an activation step, such as paying for part of your travel (flights or accommodation) on the card before you leave.

What's typically covered

Cover varies by provider, but policies on platinum or black cards often include international travel insurance, interstate flight inconvenience and theft of personal items.

Specific benefits often include medical emergency expenses, trip cancellation and amendment, business trip completion and personal liability. Some cards add extras like phone screen cover or extended warranty on purchases. Always read the policy for limits and exclusions.

Free travel insurance credit card FAQs

Most cards require you to pay for part of your trip (often flights or accommodation) on the card before you leave. Check the activation rule and the product disclosure statement before you rely on it.

Questions and answers

No questions yet. Ask the first one about Credit cards with free travel insurance.

Related card types

Airline rewards credit cards Credit cards with airport lounge access Credit cards with no international fees Hotel credit cards Priority Pass credit cards Rewards cards

Sources

Credit Card Compare: Australian credit card statistics