Credit Cards with Transit Accident Insurance

$1,200 annual fee
Offer
150,000 Qantas points
Public Transport Accident Cover for accidental death or permanent disablement while travelling on public transport.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200
Read my analysis
$195 annual fee
Offer
0 American Express points
Public Transport Accident Cover for accidental death or permanent disablement while travelling as a passenger on public transport, up to $300,000 per covered person
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Read my analysis
$395 annual fee
OfferTargeted
100,000 American Express points
Public Transport Accident Cover: up to $300,000 for accidental death or permanent disablement while travelling as a passenger on public transport
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 6 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

Read my analysis
$199 annual fee
Offer
60,000 Qantas points
Transit Accident cover on international trips (entire trip paid to the eligible credit card account) of $250,000 up to $500,000 per person depending on the extent of injury, with a $2,500,000 aggregate limit per accident.
Spend $7,500 in 90 days (~$2,500/mo)
Craig
Craig's Take

Moderate spend — $83/day for 90 days. Average ongoing earn rate.

Est. profit $761
Read my analysis
$320 annual fee
Offer
80,000 Qantas points
Transit Accident cover on international trips paid to the card: from $250,000 up to $500,000 per person depending on the injury, aggregate $2,500,000 per accident
Spend $35,000 in 150 days (~$7,000/mo)
Craig
Craig's Take

Tough spend — $233/day for 150 days. Excellent ongoing earn rate.

Est. profit $960
Read my analysis
$295 annual fee
Offer
100,000 Westpac points
Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas while riding, boarding or alighting as a passenger on a plane, bus, train or short-haul ferry, when the entire trip tickets were purchased on the card before departure
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
75,000 Bank of Melbourne points
Overseas Transit Accident Insurance pays a lump sum (up to $750,000 loss of life, $250,000-$500,000 for specified injuries) for accidental injury while travelling on public transport overseas when the trip was charged to the card
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Overseas Transit Accident Insurance providing accidental death/serious injury cover (e.g. $750,000 loss of life) while travelling as a passenger on public transport during an overseas trip when the entire trip cost is charged to the card; no excess
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Overseas Transit Accident Insurance pays up to $750,000 for loss of life and lesser amounts for specified injuries while travelling overseas as a passenger when the entire trip payment is charged to the card account; no excess
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Overseas Transit Accident Insurance pays a benefit for injury (up to $750,000 for loss of life) while travelling as a passenger on public transport when the entire trip cost is charged to the card
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Overseas Transit Accident Insurance pays up to $750,000 for loss of life and up to $500,000 for specified injuries while travelling on public transport overseas when the trip is charged to the card
Spend $12,000 in 365 days (~$986/mo)
$149 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$1,450 annual fee
OfferTargeted
225,000 American Express points
Public Transport Accident Cover pays up to $400,000 for accidental death or permanent disablement while travelling as a passenger on public transport during a covered trip.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas as a passenger on a plane, bus, train or short-haul ferry when the entire trip tickets are charged to the card before departure
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,165
Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Overseas Transit Accident Insurance for accidental death or injury while a passenger on a plane, bus, train or short-haul ferry overseas when the trip was charged to the card; up to $750,000 for loss of life, $1,300,000 aggregate per event
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$175 annual fee
Offer
75,000 Westpac points
Overseas Transit Accident Insurance covering specified accidental death or injury sustained overseas while travelling as a passenger on a plane, bus, train or short-haul ferry when the entire trip was charged to the card account; up to $750,000 for loss of life
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas as a passenger on a plane, bus, train or short-haul ferry when the entire trip tickets are charged to the card before departure
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
$295 annual fee
Offer
90,000 Velocity points
Overseas Transit Accident Insurance covers specified accidental death or injury while boarding, riding or alighting transport overseas when the entire trip is charged to the card before departure; up to $750,000 loss of life per person, $1,300,000 aggregate per event for Level 1 Cards
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,160
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
Overseas Transit Accident Insurance covers specified accidental death or injury while boarding, riding or alighting transport overseas when the entire trip is charged to the card before departure; up to $750,000 loss of life per person, $1,300,000 aggregate per event for Level 1 Cards
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,255
Read my analysis
$175 annual fee
Offer
70,000 Velocity points
Overseas Transit Accident Insurance pays for specified accidental death or injury sustained overseas while travelling as a passenger on a plane, bus, train or short-haul ferry when the entire trip is charged to the card; up to $750,000 for loss of life
Spend $4,000 in 90 days (~$1,333/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $1,016
Read my analysis
$175 annual fee
Offer
70,000 Velocity points
Overseas Transit Accident Insurance pays for specified accidental death or injury sustained overseas while travelling as a passenger on a plane, bus, train or short-haul ferry when the entire trip is charged to the card; up to $750,000 for loss of life
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $940
Read my analysis
Craig

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— Craig