Credit Cards with Travel Insurance
NAB Rewards Platinum Card
NAB points
$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
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Complimentary travel insurance including overseas medical emergency, trip cancellation, and purchase protection; covers additional cardholders even when not travelling with primary cardholder
Spend $5,000 in 90 days
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
The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Complimentary travel insurance for domestic and international travel covering trip cancellation, travel inconvenience, public transport accident, personal baggage, valuables, money and travel documents, medical emergency expenses, and personal accident when the return trip is paid with the card. Coverage includes cardholder, partner, and dependent children. Sub-limits and exclusions apply.
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig's Take
Average ongoing earn rate. $200 cashback covers the $195 fee.
Read my analysis
American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Complimentary domestic & international travel insurance when you purchase a return trip on your Card, covering medical emergencies, cancellations, and COVID-19.
Spend $4,000 in 90 days
Offer Expires 4 months ago (2025-12-02)
Craig's Take
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
Read my analysis
ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
Complimentary travel insurance including cover for rental vehicle excess in Australia when travel is purchased using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
Complimentary travel insurance including cover for rental vehicle excess in Australia when travel is purchased using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $2,500 in 90 days
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
NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Offer
100,000 Qantas points
Complimentary international travel insurance, domestic travel insurance, and rental vehicle excess insurance in Australia.
Spend $5,000 in 90 days
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 NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 Qantas points
Complimentary international travel insurance, domestic travel insurance, and rental vehicle excess insurance in Australia.
Spend $5,000 in 90 days
$320 first year annual fee, $420 thereafter
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
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Complimentary travel insurance covering medical emergency expenses, public transport accident up to $400,000, trip cancellation/amendment up to $12,500, loss or damage to baggage/money/documents up to $10,000, travel inconvenience for flight delays, and COVID-19 related cover when return trip is paid with the Card.
Spend $5,000 in 90 days
Offer Expires in a month (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,135
Read my analysis
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
Referral offerHow referrals work
Offer
70,000 Qantas points
Complimentary domestic and international travel insurance including Medical Emergency Expenses Cover up to $2,500,000, Trip Cancellation and Amendment Cover up to $12,500, Personal Baggage, Valuables, Money and Documents Cover up to $10,000, Travel Inconvenience Cover up to $200 for flight delays, and Personal Accident Cover up to $400,000
Spend $5,000 in 90 days
Offer Expires in a month (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Complimentary domestic and international travel insurance including Medical Emergency Expenses Cover up to $2,500,000, Trip Cancellation and Amendment Cover up to $12,500, Personal Baggage, Valuables, Money and Documents Cover up to $10,000, Travel Inconvenience Cover up to $200 for flight delays, and Personal Accident Cover up to $400,000
Spend $5,000 in 90 days
Offer Expires in a month (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
60,000 Qantas points
Complimentary international and domestic travel insurance including rental vehicle excess in Australia insurance.
Spend $3,000 in 90 days
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
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
40,000 Commbank points
International travel insurance included when spending at least $500 on a single prepaid travel transaction using the card and activating before travel. Covers cardholder, spouse, and accompanied children for return trips from Australia. Activation required for each trip.
Spend $4,500 in 90 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
Complimentary travel insurance including cover for rental vehicle excess in Australia when travel is purchased using the ANZ Frequent Flyer Black credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $5,000 in 90 days
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
Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$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
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $1,571
Read my analysis
CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Commbank points
$0 annual fee
Offer
60,000 Commbank points
International travel insurance included when you spend at least $500 in a single prepaid travel transaction and activate before travel; covers you, spouse, and accompanied children for return trips from Australia
Spend $9,000 in 90 days
Craig's Take
Moderate spend — $100/day for 90 days. Average ongoing earn rate.
Read my analysis
The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
200,000 American Express points
Comprehensive domestic and international travel insurance covering trip cancellation, travel inconvenience, public transport accident, personal baggage, medical emergency expenses, and personal accident when the return trip is paid with the Card. Sub-limits and exclusions apply.
Spend $5,000 in 90 days
Offer Expires in 5 months (2026-08-25)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis
St.George Amplify Platinum - Qantas
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Up to 3 months complimentary international travel insurance including medical emergencies, trip cancellations, lost baggage, and COVID-19 coverage, plus Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $870
Read my analysis
St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Complimentary international travel insurance up to 6 months, interstate flight inconvenience insurance, rental vehicle excess cover in Australia, and overseas transit accident insurance.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Good ongoing earn rate.
Est. profit $1,070
Read my analysis
Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departure from Australia.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $870
Read my analysis Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Up to 6 months complimentary International Travel Insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia.
Spend $3,000 in 90 days
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Bank of Melbourne Amplify Rewards Platinum
Bank of Melbourne points
$175 annual fee
Offer
75,000 Bank of Melbourne points
Up to 3 months complimentary international travel insurance including rental vehicle excess cover in Australia and interstate flight inconvenience insurance.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Up to 6 months complimentary international travel insurance including rental vehicle excess in Australia, interstate flight inconvenience insurance, and overseas transit accident insurance.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.
Read my analysis St.George Amplify Rewards Platinum
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Up to 3 months complimentary international travel insurance including medical emergencies, trip cancellations, lost baggage, and rental vehicle excess in Australia cover.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Good ongoing earn rate.
Est. profit $1,165
Read my analysis
Westpac Altitude Rewards Black
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia. Coverage provided by Allianz Global Assistance.
Spend $12,000 in 365 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis