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.

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 September 2021.
  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 Out of date PDS documents could still be linked from this table, with the links working, if a change has been made by a bank and they have not removed their old PDS from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 Email [email protected] if you find any out of date documents linked from this table.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 CardYes - PDSPurchase ProtectionPDSTravel Inconvenience Cover
Personal Baggage, Money and Documents Cover
Car Rental Insurance Waiver
Smarphone Screen Insurance
Roadside Assistance
Home Assistance
PDS
American Express Platinum EdgeYes - PDSPurchase ProtectionPDSBuyer's Advantage
Refund Protection
Fraud Protection Guarantee
Emergency Card replacement
Plan It Instalments
Overseas Medical Emergency Expense cover
Personal Liability Cover
Travel Cancellation Cover
Travel Inconvenience Cover
Loss or damage baggage cover
PDS
American Express Platinum BusinessYes - PDSPurchase ProtectionPDSCover for Medical Emergencies
Travel Accident Insurance
Business Trip Completion Cover
Travel Cancellation and Inconvenience Cover
Complimentary Baggage Insurance
PDS
American Express Gold BusinessYes - PDSN/AN/ATransport 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 AcceleratorN/AOnline Fraud Protection GuaranteeN/AN/AN/A
Qantas American Express UltimateYes - PDSPurchase Protection
Online Fraud Protection Guarantee
Refund Protection
PDSTransport Accident Cover
Travel Inconvenience Cover
Medical Emergency Expenses Cover
Resumption of Journey Cover
Baggage, Money and Documents Cover
Travel Cancellation Cover
Personal Liability Cover
PDS
Qantas American Express PremiumYes - PDSPurchase Protection
Online Fraud Protection Guarantee
Refund Protection
Yes - PDSEmergency Card replacement
Transport Accident Cover
Medical Emergency Expenses Cover
Baggage, Money and Documents Cover
PDS
Qantas American Express DiscoveryN/APurchase Protection
Online Fraud Protection Guarantee
PDSRefund ProtectionPDS
American Express Qantas Business RewardsYes - PDSN/AN/ATransport Accident Cover
Travel Inconvenience Cover
Medical Emergency Expenses Cover
Baggage, Money and Documents Cover
Travel Cancellation Cover
Personal Liability Cover
PDS
American Express Velocity PlatinumYes - PDSPurchase Protection
Refund Protection Cover
PDSRefund Protection Cover
Medical Emergency Expenses Cover
Personal Liability Cover
PDS
American Express Velocity EscapeN/APurchase Protection
Refund Protection Cover
Fraud Protection Guarantee
PDSN/AN/A
American Express Velocity BusinessYes - PDSN/AN/AMedical Emergency Expenses Cover
Travel Inconvenience Cover
Transport Accident Cover
Personal Liability Cover
Business Trip Completion Cover
PDS
American Express David JonesN/APurchase Protection
Online Fraud Protection Guarantee
PDSEmergency Card ReplacementPDS
American Express David Jones PlatinumYes - PDSPurchase Protection Cover
Refund Protection Cover
Buyer's Advantage Cover
PDSMedical Emergency Expenses Cover
Baggage, Money & Documents Cover
Personal Liability Cover
PDS
American Express ExplorerYes - PDSPurchase Protection Cover
Refund Protection of unused eligible items
Buyers advantage cover
PDSMedical Emergency Expenses Cover
Personal Liability Cover
Smartphone Screen Cover
Loss Damage Waiver Cover
PDS
American Express Business ExplorerYes - PDSN/AN/ACard Account Balance Waiver Cover
Business Trip Completion Cover
Medical Emergency Expenses Cover
Personal Liability Cover
PDS
American Express CashbbackN/APurchase Protection Cover
Refund Protection Cover
PDSSmartphone Screen CoverPDS
American Express EssentialN/APurchase Protection Cover
Refund Protection Cover
Buyer's Advantage Cover
PDSSmartphone Screen CoverPDS
ANZ Rewards BlackYes - PDSExtended Warranty
90-day Purchase Security Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
ANZ Rewards PlatinumYes - PDSExtended Warranty
90-day Purchase Security Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
ANZ Rewards Travel Adventures CardYes - PDSExtended Warranty
90-day Purchase Security Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
ANZ Frequent Flyer BlackYes - PDSExtended Warranty
90-day Purchase Security Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
ANZ Qantas PlatinumYes - PDSExtended Warranty
90-day Purchase Security Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
ANZ PlatinumYes - PDSExtended Warranty
90-day Purchase Security Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
Bank of Melbourne Amplify Platinum - Amplify RewardsYes - PDSPurchase Security Insurance
Price Guarantee Insurance
PDSTransit accident insurance policy
Extended Warranty Insurance Policy
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle Excess Insurance in Australia Policy
PDS
Bank of Melbourne Amplify Platinum - Qantas RewardsYes - PDSPurchase Security Insurance
Price Guarantee Insurance
PDSTransit accident insurance policy
Extended Warranty Insurance Policy
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle Excess Insurance in Australia Policy
PDS
Bank of Melbourne Amplify Signature VisaYes - PDSPurchase Security Insurance
Price Guarantee Insurance
PDSTransit accident insurance policy
Extended Warranty Insurance Policy
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle Excess Insurance in Australia Policy
PDS
Bank of Melbourne Amplify Signature Visa - Qantas RewardsYes - PDSPurchase Security Insurance
Price Guarantee Insurance
PDSTransit accident insurance policy
Extended Warranty Insurance Policy
Interstate Flight Inconvenience Insurance Policy
Rental Vehicle Excess Insurance in Australia Policy
PDS
BankSA Amplify Platinum - Amplify RewardsYes - PDSPurchase Security Insurance
Price Guarantee Insurance
PDSOverseass Travel Insurance Policy
Extended warranty Insurance Policy
Interstate Flight Inconvenience insurance Policy
Rental Vehicle Excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
BankSA Amplify Platinum - Qantas RewardsPDSPurchase Security Insurance
Price Guarantee Insurance
PDSOverseass Travel Insurance Policy
Extended warranty Insurance Policy
Interstate Flight Inconvenience insurance Policy
Rental Vehicle Excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
BankSA Amplify Signature - Amplify RewardsPDSPurchase Security Insurance
Price Guarantee Insurance
PDSOverseass Travel Insurance Policy
Extended warranty Insurance Policy
Interstate Flight Inconvenience insurance Policy
Rental Vehicle Excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
BankSA Amplify Signature - Qantas RewardsPDSPurchase Security Insurance
Price Guarantee Insurance
PDSOverseass Travel Insurance Policy
Extended warranty Insurance Policy
Interstate Flight Inconvenience insurance Policy
Rental Vehicle Excess insurance in Australia Policy
Transit Accident Insurance Policy
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
Loss o Income
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
Loss o Income
PDS
BoQ Specialist PlatinumYes - PDSPurchase Security InsurancePDSMedical Emergency Expenses Cover
Extended Warranty Insurance
Transport Accident Insurance
Best Price Guarantee
Golfers Insurance
Global 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
Global Hire Car Excess Waiver
Domestic Flight Inconvenience Insurance
PDS
CardServices Platinum MastercardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSExtended Warranty Insurance
Transit Accident Insurance
Interstate Flight Insurance
PDS
Citi Prestige MastercardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Extended Warranty Insurance
PDS
Citi Premier MastercardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Extended Warranty Insurance
PDS
Citi Rewards MastercardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Extended Warranty Insurance
PDS
Citi Emirates World MasterCardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInternational Travel Insurance
Interstate Flight Inconvenience
Transit Accident Insurance
Extended Warranty Insurance
PDS
Coles Rewards MastercardN/APurchase Protection Insurance
Extended Warranty Insurance
PDSTransit Accident InsurancePDS
Commonwealth Bank Diamond AwardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee
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
Price Guarantee
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
Price Guarantee
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
Diners Club CardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
Extended Warranty
PDS
Diners Club Card + World MasterCardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
Extended Warranty
PDS
Diners Club Frequent FlyerYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
Extended Warranty
PDS
Diners Club Frequent Flyer + World MasterCardYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
Extended Warranty
PDS
HSBC Platinum QantasYes - PDSPurchase Protetion Insurance
Guaranteed Pricing Scheme
Extended Warranty Insurance
PDSTransit Accident Insurance
Rental Vehicle Insurance Excess Cover
PDS
Jetstar MastercardN/AN/AN/AN/AN/A
Jetstar Platinum MastercardYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSTravel Cancellation Cover
Transport Accident Cover
Interstate flight invonvenience Cover
Global Hire Car Excess Waiver
PDS
Latitude 28 DegreesN/APrice Protection Insurance
Merchandise Protection
(PDSStolen CardPDS
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 Visa BlackYes - 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 Qantas Rewards ClassicN/APurchase Protection InsurancePDSN/AN/A
NAB Qantas Rewards PremiumYes - PDSPurchase Protection Insurance
Extended Warranty Insurance
PDSIntestate Flight Inconvenience Insurance
Transit Accident Insurance
Rental Vehicle Excess in Australia
PDS
NAB Qantas Rewards SignatureYes - PDSPurchase Protection Insurance
Extended Warranty Insurance
PDSIntestate Flight Inconvenience Insurance
Transit Accident Insurance
Rental Vehicle Excess in Australia
PDS
NAB Rewards PlatinumYes - PDSPurchase Protection Insurance
Extended Warranty Insurance
PDSIntestate Flight Inconvenience Insurance
Transit Accident Insurance
Rental Vehicle Excess in Australia
PDS
NAB Rewards ClassicN/APurchase Protection InsurancePDSN/AN/A
NAB Rewards SignatureYes - PDSPurchase Protection Insurance
Extended Warranty Insurance
PDSIntestate Flight Inconvenience Insurance
Transit Accident Insurance
Rental Vehicle Excess in Australia
PDS
Qantas Credit Union Visa PlatinumYes - PDSN/AN/AN/AN/A
Qantas Premier TitaniumYes - PDSPurchase Protection Cover
Buyer's Advantage Cover
PDSOverseas Medical Emergency
Accidental Death Cover
Loss of Income Cover
Hijack Cover
Personal Liability Cover
Rental Vehicle Excess Cover
PDS
Qantas Premier PlatinumYes - PDSN/AN/AOverseas Medical Emergency
Accidental Death Cover
Rental Vehicle Excess Cover
PDS
Qantas Premier EverydayYes - PDSN/AN/AOverseas Medical Emergency
Accidental Death Cover
Rental Vehicle Excess Cover
PDS
St George Amplify Platinum - Amplify RewardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee Cover
PDSInterstate Flight Inconvenience Insurance Policy
Rental Vehicle excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
St George Amplify Platinum - Qantas RewardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee Cover
PDSInterstate Flight Inconvenience Insurance Policy
Rental Vehicle excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
St.George Amplify Signature Visa - Amplify RewardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee Cover
PDSInterstate Flight Inconvenience Insurance Policy
Rental Vehicle excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
St George Amplify Signature Visa - Qantas RewardsYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee Cover
PDSInterstate Flight Inconvenience Insurance Policy
Rental Vehicle excess insurance in Australia Policy
Transit Accident Insurance Policy
PDS
Suncorp Bank Platinum VisaYes - PDSPurchase Cover Insurance
Guaranteed Pricing Scheme
Extended Warranty
PDSInterstate Flight Inconvenience Insurance
Transit Accident Insurance
PDS
Virgin Money Flyer VisaN/AGuaranteed Pricing SchemePDSTransit Accident InsurancePDS
Virgin Money High Flyer VisaYes - PDSPurchase Cover Insurance
Extended Warranty Insurance
Fraudshield
PDSTransit Accident InsurancePDS
Westpac Altitude BlackYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee Cover
PDSInterstate Flight Inconvenience Cover
Transit Accident Insurance
Rental Vehicle Excess In Australia
PDS
Westpac Altitude PlatinumYes - PDSPurchase Security Insurance
Extended Warranty Insurance
Price Guarantee Cover
PDSInterstate Flight Inconvenience Cover
Transit Accident Insurance
Rental Vehicle Excess In Australia
PDS
Westpac AltitudeN/AN/AN/AN/AN/A
Westpac Altitude Business PlatinumYes - PDSPurchase Insurance Cover
Price Guarantee Cover
Extended Warranty Insurance
PDSInterstate Flight Inconvenience Cover
Business Inconvenience Insurance
Unauthorized Transaction Insurance
PDS
Westpac Altitude Business GoldYes - PDSPurchase Insurance Cover
Price Guarantee Cover
Extended Warranty Insurance
PDSInterstate Flight Inconvenience Cover
Business Inconvenience Insurance
Unauthorized Transaction 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
Woolworths Money Everyday PlatinumYes - PDSPurchase Security Insurance
Extended Warranty Insurance
PDSInterstate Flight Inconvenience Insurance
Transport Accident Insurance
Global Hire Car Excess Waiver
PDS

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