Credit Cards with Travel Insurance

$195 annual fee
Offer
80,000 NAB points
Includes international travel insurance, domestic travel insurance, and rental vehicle excess insurance in Australia as complimentary insurances.
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

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

Read my analysis
$1,200 annual fee
Offer
150,000 Qantas points
Up to $15,000 cover · trips up to 180 days
Complimentary Chubb travel insurance for cardholders and additional cardholders on return trips (up to 180 days overseas / 14 days domestic), with unlimited overseas medical and trip cancellation cover, $250 excess; eligibility requires paying the return airfare/cruise to the card.
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
Up to $2,500,000 cover · trips up to 180 days
Complimentary domestic and international travel insurance for the cardholder, partner and dependent children when the return trip is paid on the card; covers trip cancellation/amendment, travel inconvenience, medical emergency expenses (up to $2,500,000), personal baggage and personal liability; max age 79 at purchase, cover ends at 180 days
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
Up to $2,500,000 cover · trips up to 180 days
Complimentary domestic and international travel insurance when the return trip is paid on the Card; covers trip cancellation, medical emergency expenses, baggage and personal accident; cover ends for all trips at 180 days; medical emergency expenses up to $2,500,000 on international return trips
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
$375 annual fee
Offer
130,000 ANZ points
Up to $20,000,000 cover · trips up to 180 days
Complimentary international travel insurance for ANZ Black cardholders for journeys up to 6 consecutive months when at least $250 of prepaid travel costs are charged to the card account and a return overseas travel ticket is held; includes up to $20 million overseas emergency medical and assistance cover, plus domestic travel insurance
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.

Read my analysis
Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
Complimentary international travel insurance (cardholders aged under 81) for trips up to 6 consecutive months and domestic travel insurance, when at least $500 of prepaid travel costs are charged to the card; includes overseas emergency medical/assistance up to $20 million
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
Up to $20,000,000 cover · trips up to 180 days
Complimentary international travel insurance for trips up to 6 months when at least $500 of prepaid travel costs are charged to the card (cardholders aged under 81), with overseas emergency medical and assistance cover up to $20 million; complimentary domestic travel insurance also available for trips up to 28 days
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
$199 annual fee
Offer
60,000 Qantas points
Complimentary Overseas Travel Insurance for journeys up to 31 consecutive days; covers unlimited overseas emergency medical and hospital expenses, $2,500,000 personal liability, $25,000 accidental death and up to $20,000 baggage and personal goods. Base cover only; limited COVID-19 cover; persons 80+ not eligible for medical cover.
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
Complimentary Overseas Travel Insurance for World Mastercard cardholders: unlimited overseas emergency medical and hospital expenses, $2,500,000 personal liability, $25,000 accidental death, baggage and personal goods up to $30,000, and unlimited additional expenses; covers a maximum journey of six months
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
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
Up to $20,000,000 cover · trips up to 180 days
Complimentary international travel insurance for trips up to 6 months when at least $500 of prepaid travel costs are charged to the card (cardholders aged under 81), with overseas emergency medical and assistance cover up to $20 million; complimentary domestic travel insurance also available for trips up to 28 days
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
$295 annual fee
Offer
75,000 Qantas points
Up to $20,000,000 cover · trips up to 90 days
Complimentary International Travel Insurance for ANZ Platinum cardholders for journeys up to 3 consecutive months when at least $250 of prepaid travel costs are charged to the card and a return overseas travel ticket is held; includes Overseas Emergency Medical/Assistance up to $20 million; domestic travel insurance also available
Spend $2,500 in 90 days (~$833/mo)
Craig
Craig's Take

Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.

Est. profit $1,005
Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 Qantas points
Up to $20,000,000 cover · trips up to 180 days
Complimentary international travel insurance for trips up to 6 months (up to $20 million overseas emergency medical/assistance) plus domestic travel insurance for trips up to 28 days, when minimum prepaid travel costs are charged to the card account.
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 $770
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
Up to $20,000,000 cover · trips up to 180 days
Complimentary international travel insurance for trips up to 6 months (overseas emergency medical and assistance cover up to $20 million) and domestic travel insurance up to 28 days, when eligibility is met by charging at least $500 (international) or $250 (domestic) of prepaid travel costs to the card; cardholders aged under 81
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
Complimentary international travel insurance (cardholders aged under 81) for trips up to 6 consecutive months and domestic travel insurance, when at least $500 of prepaid travel costs are charged to the card; includes overseas emergency medical/assistance up to $20 million
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$295 annual fee
Offer
60,000 Qantas points
Complimentary international and domestic travel insurance underwritten by Allianz; subject to the NAB Card Insurance Policy Information Booklet
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $815
Read my analysis
$425 annual fee
Offer
90,000 Qantas points
Up to $20,000,000 cover · trips up to 180 days
Complimentary international travel insurance for ANZ Black cardholders, their spouse and dependants for journeys up to 6 consecutive months, when at least $250 of prepaid travel costs is charged to the card and a return overseas travel ticket is held; includes $20 million overseas emergency medical and assistance. Domestic travel insurance also available.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.

Est. profit $1,215
Read my analysis
$399 annual fee
No Qantas credit card in past 24 monthsCheck my eligibility
Offer
120,000 Qantas points
Complimentary travel insurance issued by Chubb Insurance Australia Limited covering travel-related risks as per the Qantas Premier Credit Card Complimentary Travel Insurance Terms and Conditions
Spend $5,000 in 90 days (~$1,667/mo)
$349 first year annual fee, $399 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $1,571
Read my analysis
$0 annual fee
Offer
60,000 Commbank points
Complimentary international travel insurance (Overseas Travel Policy, issued by Zurich, administered by Cover-More) for the cardholder and accompanying family on return trips from Australia of up to 12 months per journey; requires spending at least $500 in a single transaction on prepaid travel costs (or redeeming $500 of Awards points/Travel Booking credits) on the card and activating cover before travel; includes unlimited overseas emergency medical and hospital expenses
Spend $9,000 in 90 days (~$3,000/mo)
Craig
Craig's Take

Moderate spend — $100/day for 90 days. Average ongoing earn rate.

Read my analysis
$295 annual fee
Offer
100,000 Westpac points
Complimentary International Travel Insurance for trips up to 6 months (Level 1 / Altitude Black card) when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; covers unlimited overseas emergency medical, evacuation and cancellation among other sections (sub-limits apply). Also includes complimentary Interstate Flight Inconvenience Insurance for domestic flights charged to the card (cancellation up to $3,000, flight delay, luggage). Cardholders aged under 81. Eligibility confirmation at checkyourcover.com.au/westpac
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
$149 annual fee
Offer
0 Cashback points
Up to $20,000,000 cover · trips up to 40 days
Complimentary international travel insurance for trips up to 40 consecutive days when approved for a credit limit of $6,000+ and at least $500 of prepaid travel costs are charged to the card; up to $20 million overseas emergency medical and assistance cover
Spend $0 in 0 days
Craig
Craig's Take
Read my analysis
$175 annual fee
Offer
75,000 Bank of Melbourne points
Complimentary international travel insurance for cardholders, spouse and dependants (aged under 81) for journeys up to 3 consecutive months when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; includes unlimited overseas emergency medical, evacuation & repatriation, cancellation, luggage, $5,500 rental vehicle excess and $2,500,000 personal liability. Also includes Interstate Flight Inconvenience Insurance (up to $3,000 cancellation) for domestic flights 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
$0 annual fee
Offer
40,000 Commbank points
Complimentary international travel insurance (Overseas Travel Policy) for journeys up to 12 months, covering the cardholder and accompanying family, when at least $500 in a single prepaid-travel transaction is charged to the card (or redeemed with Awards points/travel credits) and cover is activated before travelling; Overseas Emergency Medical and Hospital Expenses are unlimited
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Complimentary international travel insurance for Level 2 Card cardholders for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; cover includes unlimited overseas emergency medical/assistance, cancellation, additional expenses and luggage (subject to sub-limits and a $300 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
Complimentary international travel insurance for trips up to 6 consecutive months (Level 1 Card) when at least $500 of prepaid travel costs are charged to the card account and a return overseas travel ticket is held; includes unlimited overseas emergency medical and assistance, cancellation cover and luggage cover, subject to terms and a $300 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
Complimentary international travel insurance for cardholders under 81 for trips up to 3 consecutive months (Level 2 Card) when at least $500 of prepaid travel is charged to the card and a return ticket is held; overseas emergency medical, evacuation and cancellation cover is unlimited (no capped sum). Also includes domestic Interstate Flight Inconvenience cover (cancellation up to $3,000, flight/luggage delay) when the return interstate flight 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
Complimentary international travel insurance for trips up to 6 months (Level 1 Card) when at least $500 of prepaid travel costs are charged to the card; overseas emergency medical and evacuation are unlimited, plus cancellation, luggage, rental vehicle excess and personal liability cover. Also includes Interstate Flight Inconvenience Insurance for domestic flights ($3,000 cancellation, flight/luggage delay, $1,500 luggage)
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
Complimentary domestic and international travel insurance for the Card Member, their partner and dependent children when the return trip is paid on the Card. Covers trip cancellation and amendment (up to $30,000), travel inconvenience, medical emergency expenses overseas (section limit unlimited), personal baggage/valuables/money (up to $30,000), personal accident, personal liability (up to $3,000,000) and more. Cover automatically ends at 180 days; maximum age 79 when travel is purchased; pre-existing medical conditions excluded.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 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
$440 annual fee
Offer
50,000 Velocity points
Complimentary domestic and international travel insurance for the cardholder, partner and dependent children when the return trip is paid for on the Card; covers medical emergency expenses, public transport accident up to $400,000, trip cancellation/amendment up to $12,500, baggage/money/documents up to $10,000, travel inconvenience and COVID-19 cover; sub-limits, terms and exclusions apply
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires a month ago (2026-04-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Est. profit $795
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
Complimentary domestic and international travel insurance: Medical Emergency Expenses up to $2,500,000; Trip Cancellation and Amendment up to $12,500; Personal Baggage, Valuables, Money and Documents up to $10,000; Travel Inconvenience up to $200 for flight delays; Personal Accident up to $400,000
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

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

Est. profit $800
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Complimentary International Travel Insurance for trips up to 6 months for Level 1 Card holders when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; most sections (overseas emergency medical, evacuation, cancellation) are unlimited. Also includes Interstate Flight Inconvenience Insurance for domestic flights paid to the card
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
Complimentary International Travel Insurance for trips up to 3 consecutive months (Level 2 Card); eligible after charging at least $500 prepaid travel costs to the card and holding a return overseas ticket; also includes Interstate Flight Inconvenience and Rental Vehicle Excess in Australia cover; eligibility confirmation at checkyourcover.com.au/westpac
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
Complimentary international travel insurance (this card is a Level 2 Card) for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card account and a return overseas travel ticket is held before departing Australia; cover includes unlimited overseas emergency medical, evacuation and repatriation, cancellation, luggage and personal liability up to $2,500,000
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
Complimentary International Travel Insurance for trips up to 6 months for Level 1 Card holders when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; most sections (overseas emergency medical, evacuation, cancellation) are unlimited. Also includes Interstate Flight Inconvenience Insurance for domestic flights paid to the card
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
$450 annual fee
Offer
50,000 Qantas points
Complimentary domestic and international travel insurance: Medical Emergency Expenses up to $2,500,000; Trip Cancellation and Amendment up to $12,500; Personal Baggage, Valuables, Money and Documents up to $10,000; Travel Inconvenience up to $200 for flight delays; Personal Accident up to $400,000
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

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

Est. profit $800
Read my analysis
$149 annual fee
Offer
85,000 ANZ points
Up to $20,000,000 cover · trips up to 90 days
Complimentary international travel insurance for ANZ Platinum cardholders for trips up to 3 consecutive months when at least $250 of prepaid travel is charged to the card and a return overseas ticket is held; up to $20 million overseas emergency medical and assistance. Domestic travel insurance also available for up to 28 days per journey.
Spend $3,500 in 90 days (~$1,167/mo)
Craig
Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Read my analysis
$195 annual fee
Offer
70,000 Velocity points
Complimentary international travel insurance included with NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

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

Est. profit $995
Read my analysis
$295 annual fee
Offer
90,000 Velocity points
Complimentary International Travel Insurance for up to 6 consecutive months (Level 1 Card) when at least $500 of prepaid travel costs is charged to the card account and a return overseas ticket is held before departure; cover includes unlimited overseas emergency medical and evacuation; eligibility letter available at checkyourcover.com.au/westpac
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
Complimentary International Travel Insurance for up to 6 consecutive months (Level 1 Card) when at least $500 of prepaid travel costs is charged to the card account and a return overseas ticket is held before departure; cover includes unlimited overseas emergency medical and evacuation; eligibility letter available at checkyourcover.com.au/westpac
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
Complimentary international travel insurance for trips up to 3 consecutive months (Level 2 Card) when you charge at least $500 of prepaid travel costs to the card and hold a return overseas ticket; key sections (overseas emergency medical, evacuation, cancellation) are unlimited with no single capped sum
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
Complimentary international travel insurance for trips up to 3 consecutive months (Level 2 Card) when you charge at least $500 of prepaid travel costs to the card and hold a return overseas ticket; key sections (overseas emergency medical, evacuation, cancellation) are unlimited with no single capped sum
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
$420 annual fee
Offer
100,000 Qantas points
Complimentary international and domestic travel insurance covering domestic, interstate and international travel
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,430
Read my analysis
$420 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 Qantas points
Complimentary international and domestic travel insurance covering domestic, interstate and international travel
Spend $5,000 in 90 days (~$1,667/mo)
$320 first year annual fee, $420 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,530
Read my analysis
Craig

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— Craig