Point Hacks Community – Credit Card Insurance Summary

This table contains a summary list of all the points / travel credit cards on the market in Australia, their known or promoted insurances that come with the card, and a link to the Product Disclosure Statement (PDS) for each card.
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Usage notes:

  1. This information is supplied for guidance only – don’t consider it a canonical / fully accurate and always up to date list. It was last updated in October 2015.
  2. Out of date PDS documents could still be linked from this table, with the links working, if a change has been made by a bank and they have not removed their old PDS from their site.
  3. If you are relying on a specific inclusion, please recheck the bank’s website or give them a call before making any decisions, for a link to the most recent PDS
  4. Email [email protected] if you find any out of date documents linked from this table. Thanks!

Credit CardTravel Insurance IncludedPurchase Insurances IncludedPurchase Insurances PDSOther Insurances IncludedOther Insurances PDS
American Express Platinum ChargeYes - PDSPurchase ProtectionPDSRefund Protection
Transport Accident Cover
Medical Emergency Expenses Cover
Travel Inconvenience Cover
PDS
American Express Platinum EdgeYes - PDSPurchase ProtectionPDSRefund Protection
Overseas Medical Emergency Expenses Cover
Travel Cancellation Cover
Baggage, Money and Documentation Cover
Personal Liability Cover
Travel Inconvenience Cover
PDS
American Express Platinum BusinessYes - PDSRefund & Purchase ProtectionPDSMonthly Business Expenses Insurance
Travel Inconvenience Cover
Loss/Damage waiver on motor vehicle
American Express Gold BusinessYes - PDSTransport Accident Cover
Accident Medical Insurance
Baggage and Personal Possessions Insurance
Coverage for Personal Trips
Business Travel Accident Insurance
Personal Liability Cover
PDS
American Express Business ChargeYes - PDSTransport Accident CoverPDS
American Express Business AcceleratorOnline Fraud Protection GuaranteePDS
American Express Qantas UltimateYes - PDSPurchase ProtectionPDSMedical Emergency Expenses Cover
Travel Cancellation Cover
Baggage, Money and Documentation Cover
Transport Accident Cover
Travel Inconvenience Insurance
PDS
American Express Qantas PremiumYes - PDSPurchase Protection
Online Fraud Protection Guarantee
PDSMedical Emergency Expenses Cover
Online Fraud Protection Guarantee
Transport Accident Cover
Travel Inconvenience Insurance
Medical Emergency Expenses Cover
Baggage, Money and Documents Cover
Travel Cancellation Cover
PDS
American Express Qantas DiscoveryPurchase Protection
Online Fraud Protection Guarantee
PDSRefund ProtectionPDS
American Express Qantas BusinessYes - PDSOnline Fraud Protection GuaranteeTransport Accident Cover
Travel Inconvenience Cover
PDS
American Express Velocity PlatinumYes - PDSPurchase Protection
Online Fraud Protection Guarantee9
PDSRefund Protection
Domestic and International Travel Insurance
Travel Inconvenience Insurance
PDS
American Express Velocity EscapePurchase Protection
Online Fraud Protection Guarantee
PDSRefund ProtectionPDS
American Express Velocity BusinessYes - PDSOnline Fraud Protection GuaranteeMedical Emergency Expenses Cover
Travel Inconvenience Cover
Transport Accident Cover
Personal Liability Cover
PDS
American Express David JonesPurchase Protection
Online Fraud Protection Guarantee
PDS
American Express David Jones PlatinumYes - PDSPurchase Protection
Online Fraud Protection Guarantee
PDS
American Express ExplorerYes - PDSPurchase Protection Cover
Refund Protection of unused eligible items
Buyers advantage cover
PDSSmartphone Screen Insurance
Medical Emergency Expenses Cover
PDS
American Express Business ExplorerYes - PDSCard Account Balance Waiver Cover
Medical Emergency Expenses Cover
Personal Liability Cover
PDS
ANZ Rewards
ANZ Rewards PlatinumYes - PDSExtended Warranty and 90-day Purchase Security InsurancePDSOverseas travel and medical insurance
Transport Accident Cover
Rental Excess cover
Interstate Flight Inconvenience Insurance
Extended Warranty
Best Price Guarantee Scheme
ANZ Credit Card Insurance
ANZ Rewards BlackYes - PDSExtended Warranty and 90-day Purchase Security InsurancePDSOverseas travel and medical insurance
Transport Accident Cover
Rental Excess cover
Interstate Flight Inconvenience Insurance
Extended Warranty
Best Price Guarantee Scheme
ANZ Credit Card Insurance
ANZ Qantas
ANZ Qantas PlatinumYes - PDS90-day Purchase Security InsurancePDSOverseas travel and medical insurance
Transport Accident Cover
Rental Excess cover
Interstate Flight Inconvenience Insurance
Extended Warranty
Best Price Guarantee Scheme
ANZ Credit Card Insurance
PDS
ANZ Qantas BlackYes - PDS90-day Purchase Security InsurancePDSOverseas travel and medical insurance
Transport Accident Cover
Rental Excess cover
Interstate Flight Inconvenience Insurance
Extended Warranty
Best Price Guarantee Scheme
ANZ Credit Card Insurance
PDS
Bank of Melbourne Amplify
Bank of Melbourne Amplify PlatinumYes - PDSPurchase Security Insurance PolicyPDSTransit accident insurance policy
Extended Warranty Insurance Policy
Price Guarantee Cover
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle Excess Insurance in Australia Policy
PDS
Bank of Melbourne Amplify Signature VisaYes - PDSPurchase Security Insurance PolicyPDSTransit accident insurance policy
Extended Warranty Insurance Policy
Price Guarantee Cover
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle Excess Insurance in Australia Policy
PDS
BankSA Amplify
BankSA Amplify PlatinumYes - PDSPurchase Security Insurance PolicyPDSOverseass Travel Insurance Policy
Extended warranty Insurance Policy
Price Guarantee Cover
Interstate Flight Inconvenience insurance Policy
Rental Vehicle Excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
BankSA Amplify Signature VisaYes - PDSPurchase ProtectionPDSOverseass Travel Insurance Policy
Extended warranty Insurance Policy
Price Guarantee Cover
Interstate Flight Inconvenience insurance Policy
Rental Vehicle Excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
Bankwest Qantas
Bankwest Qantas GoldYes - PDSPurchase security cover
Purchase extended warranty
Purchase price guarantee
PDSMedical and Hospital Cover
Losts/Damage/Theft
Delayed Baggage
Car Hire Insurance Excess
PDS
Bankwest Qantas PlatinumYes - PDSPurchase security cover
Purchase extended warranty
Purchase price guarantee
PDSMedical and Hospital Cover
Losts/Damage/Theft
Delayed Baggage
Car Hire Insurance Excess
PDS
Bankwest Qantas WorldYes - PDSPurchase security cover
Purchase extended warranty
Purchase price guarantee
PDSMedical and Hospital Cover
Losts/Damage/Theft
Delayed Baggage
Car Hire Insurance Excess
PDS
BoQ Specialist PlatinumYes - PDSPurchase Security InsurancePDSMedical Emergency Expenses Cover
Overseas Travel Insurance
Extended Warranty Insurance
Transport Accident Insurance
Best Price Guarantee
Golders Insurance
Gloabl Hire Car Excess Waiver
Domestic Flight Inconvenience Insurance
PDS
BoQ Specialist SignatureYes - PDSPurchase Security InsurancePDSMedical Emergency Expenses Cover
Overseas Travel Insurance
Extended Warranty Insurance
Transport Accident Insurance
Best Price Guarantee
Golders Insurance
Gloabl Hire Car Excess Waiver
Domestic Flight Inconvenience Insurance
PDS
CardServices Platinum MastercardYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSGuaranteed Pricing Scheme
International Travel Insurance
Transit Accident Insurance
Interstate Flight Insurance
PDS
Citi Prestige VisaYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Guaranteed Pricing Scheme
PDS
Citi Signature VisaYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Guaranteed Pricing Scheme
PDS
Citi Rewards Platinum VisaYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Transit Accident Insurance
Guaranteed Pricing Scheme
PDS
Citi Emirates World MasterCardYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Guaranteed Pricing Scheme
PDS
Commonwealth Bank Awards
Commonwealth Bank Diamond AwardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSEmergency Overseas Medical Assistance & Hospital Expenses
Personal Liability
Cancelation fees & lost deposits
Lost or damaged luggage & personal goods
Rental Vehicle Excess

NOTE: Booking through your CBA card is not a requirement, simply activate via NetBank before you travel.
PDS
Commonwealth Bank Platinum AwardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSEmergency Overseas Medical Assistance & Hospital Expenses
Personal Liability
Cancelation fees & lost deposits
Lost or damaged luggage & personal goods
Rental Vehicle Excess

NOTE: Booking through your CBA card is not a requirement, simply activate via NetBank before you travel.
PDS
Commonwealth Bank Gold AwardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSEmergency Overseas Medical Assistance & Hospital Expenses
Personaly Liability
Cancelation fees & lost deposits
Lost or damaged luggage & personal goods
Rental Vehicle Excess

NOTE: Booking through your CBA card is not a requirement, simply activate via NetBank before you travel.
PDS
Diners Club CardYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience Insurance
Transit Accident Insurance
Guaranteed Pricing Scheme
Diners Club Card + World MasterCardYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience Insurance
Transit Accident Insurance
Guaranteed Pricing Scheme
Diners Club Frequent FlyerYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience Insurance
Transit Accident Insurance
Guaranteed Pricing Scheme
Diners Club Frequent Flyer + World MasterCardYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSInternational Travel Insurance
Interstate Flight Inconvenience Insurance
Transit Accident Insurance
Guaranteed Pricing Scheme
HSBC Platinum QantasYes - PDSPurchase Protetion Insurance
Extended Warranty Insurance
PDSTransit Accident Insurance
Guaranteed Pricing Scheme
PDS
Jetstar MasterCard
Jetstar Platinum MasterCardYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance Cover
Travel Cancellation Cover
Transport Accident Cover
PDS
Macquarie Visa PlatinumYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance
Transport Accident Insurance
Intestate Flight Inconvenience Insurance
Travel Cancellation Cover
Medical emergency expenses cover
PDS
Macquarie Hilton HHonors Platinum CardYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance
Transport Accident Insurance
Intestate Flight Inconvenience Insurance
Travel Cancellation Cover
Medical emergency expenses cover
PDS
NAB QantasPurchase Protection InsurancePDS
NAB Qantas PremiumYes - PDSPurchase Protection Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance
Price Protection Insurance
Intestate Flight Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
PDS
NAB Qantas SignatureYes - PDSPrice Protection Insurance
PDSMedical Insurance Cover
Interstate Flight Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
PDS
NAB VelocityPurchase Protection Insurance
Extended Warranty Insurance
PDS
NAB Velocity PremiumYes - PDSPurchase Protection Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance
Price Protection Insurance
Intestate Flight Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
PDS
NAB Rewards PlatinumYes - PDSPurchase Protection Cover
Price Protection Insurance Cover
PDSOverseas Travel Insurance
Price Protection Insurance
Intestate Flight Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
PDS
NAB Rewards ClassicPurchase Protection CoverPDS
NAB Rewards SignatureYes - PDSPurchase Protection Cover
Price Protection Insurance Cover
Yes - PDSOverseas Travel Insurance
Price Protection Insurance
Intestate Flight Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
Yes - PDS
Qantas Credit Union Visa PlatinumYes - PDS
St George Amplify
St George Amplify PlatinumYes - PDSPurchase Security Insurance Policy
Extended Warranty Insurance Policy
Price Guarantee Cover
PDSOversaes Travel Insurance
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
St George Amplify Signature VisaYes - PDSPurchase Security Insurance Policy
Extended Warranty Insurance Policy
Price Guarantee Cover
PDSOversaes Travel Insurance
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
Suncorp Bank Platinum VisaYes - PDSComplimentary Purchase Cover
Fraudshield
PDSComplimentary Interstate Flight Inconvenience Insurance
Guaranteed Pricing Scheme
Complimentary International Travel Insurance
Complimentary Transit Accident Insurance
PDS
Suncorp Bank Business VisaComplimentary Purchase Cover
Fraudshield
Virgin Money Flyer VisaGuaranteed Pricing Scheme
Transit Accident Insurance
Virgin Money High Flyer VisaYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
PDSGuaranteed Pricing Scheme
Transit Accident Insurance
International Travel Insurance
Intestate Flight Inconvenience
PDS
Westpac Altitude BlackYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance
Transit Accident Insurance
PDS
Westpac Altitude PlatinumYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSOverseas Travel Insurance
Transit Accident Insurance Cover
PDS
Westpac Altitude
Westpac Altitude Business PlatinumYes - PDSPurchase Insurance CoverPDSTransit Accident Insurance
Account Holder's Unauthorised Transaction Insurance
Account Holder's Business Inconvenience Insurance
PDS
Westpac Altitude Business GoldYes - PDSPurchase Insurance Cover
Extended Warranty Insurance
PDSTransit Accident Insurance
Account Holder's Unauthorised Transaction Insurance
Account Holder's Business Inconvenience Insurance
PDS
Woolworths Money Qantas Platinum CardYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSInterstate Flight Inconvenience Insurance
Transport Accident Insurance
Global Hire Car Excess Waiver
PDS
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