nab complimentary travel insurance pdf

NAB CARD INSURANCE Policy Information Booklet effective 31 March 2021

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NAB credit card complimentary travel insurance

Got a nab credit card with complimentary travel insurance here’s the lowdown on what’s covered and how to make a claim..

In this guide

Which NAB credit cards have complimentary travel insurance?

How to get cover with nab credit card international travel insurance, what's covered by nab complimentary international travel insurance, what's not covered, pre-existing medical conditions, how to make a claim through your nab credit card complimentary international travel insurance policy, other types of nab complimentary credit card travel insurance, nab credit card complimentary insurance for shopping, nab business credit card complimentary insurance options, frequently asked questions, what you need to know:.

• NAB credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 months with a Level 2 card and up to 6 months with a Level 1 card.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz Global Assistance, on 1800 187 025 (from Australia) or +61 7 3305 8800 (from overseas).
• Use your NAB credit card to pay for at least $500 of overseas travel costs before you leave Australia (e.g. your overseas airfare or accommodation bookings).
• Have a return ticket to Australia before the start of your trip.
• Permanently live in Australia or have a visa that entitles you to residency under the Migration Act (1958).
• Be under 81 years of age at the time you meet the rest of these requirements.
• Make sure your trip is for 3 consecutive months or less with a Level 2 Card (e.g. NAB Rewards Platinum) or up to 6 consecutive months with a Level 1 Card (e.g. NAB Qantas Signature). Trips over these length requirements won't be covered by this policy.

When you meet all of these requirements, cover is automatically available to you and eligible family members travelling with you (when they also meet the requirements).

Need written confirmation of cover? Use the “Check eligibility” tool online or call Allianz on 1800 187 025 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with a NAB credit card

Example of when you might use this cover on an overseas trip.

If you got sick overseas and had to go to hospital for a few days, you could get cover for costs related to:

• Doctor's fees
• Hospital fees
• Changes in your travel plans

Just keep in mind that each travel claim is subject to an assessment and there may be excess payments if you're eligible for a payout.

NAB complimentary international travel insurance for cancellation, delays, accommodation and transport

⚠️ Keep in mind: Cancellations and other changes to your travel plans are only covered under specific circumstances. For example, if you missed a flight because you needed urgent medical treatment for a covered health issue.

Luggage and personal items cover offered with NAB credit card complimentary insurance

Hijacking, personal liability, death and other cover offered with nab complimentary credit card travel insurance.

Claims under these benefits are less common and usually only apply in extreme circumstances. None of them have an excess payment but we have listed their claim limits.

• Hijacking: Up to $10,000 per cardholder or spouse
• Emergency accommodation due to terrorism: Up to $300 per day and a maximum of $3,000 per cardholder or spouse
• Personal liability: Up to $2.5 million for Level 1 cards and up to 1 million for Level 2 cards
• Legal expenses: Up to $15,000 per cardholder or spouse
• Accidental death: $50,000 per cardholder or spouse, up to $25,000 per dependant and a maximum total of up to $150,000.
• Funeral expenses: Up to $60,000 for a cardholder or spouse

Note: Unless a specific limit is listed for dependants, any claims related to them will come out of the limit for the cardholder and/or their spouse.

Some of the key things you won’t be covered for with NAB credit card complimentary international travel insurance include:

• If you don’t follow advice from any government, official body or mass media announcements
• Issues related to drinking alcohol or taking non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you or your partner give birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding if the engine has a capacity of 200cc or more

Does NAB complimentary credit card travel insurance cover COVID?

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance
• Overseas emergency medical
• Cancellation
• Additional expenses

If you're travelling with someone who tests positive for COVID-19, some cover is also available under the cancellation and additional expenses benefits.

⚠️ Remember: Check the NAB credit card insurance policy booklet or call Allianz on 1800 187 025 for more details about COVID-19 claims and any exclusions.

Does NAB credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when they are travelling with you for at least 50% of your trip. They also need to meet the same travel booking requirements and other conditions of the insurance policy. Check the policy document for full details.

This travel insurance doesn’t automatically offer cover for any pre-existing conditions. But you can apply for an assessment of your pre-existing condition/s by calling Allianz Global Assistance on 1800 187 025.

If you are eligible, you will get written confirmation from Allianz that a pre-existing medical condition is covered. A $75 administration fee applies as part of this process.

What if I don’t apply or get approval for a pre-existing condition?

You won't get cover for any claims related to the pre-existing condition/s. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

If it's an emergency, call Allianz on +617 3305 8800 when you're overseas or 1800 010 075 in Australia. You can also submit a claim online by following these steps:

• Go to the online claims portal at https://claimmanager.com.au/nab/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the NAB card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum of $3,000.
• Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to $3,000.
• Luggage: Up to $750 per covered item with a maximum of $2,000.
• Luggage delay: After a delay of 12 hours or more, $150 per person up to a maximum of $400 for all claims combined.
• When can I use it? If you have paid for your return domestic flight with your eligible NAB credit card before you leave. Or, if you have a return domestic flight and have paid for at least $250 domestic travel costs with your NAB credit card before you leave (such as accommodation).
• Is there an excess cost? There is a $75 excess for cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,000 for Level 2 cards and a maximum of $10,000 for Level 1 cards.
• When can I use it? If you’ve used your NAB credit card to pay the full cost of the vehicle rental. The rental contract also needs to specify an amount that you would need to pay if the vehicle is damaged or stolen while you have it.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

You can also get access to other types of insurance for items you buy with an eligible NAB credit card. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as jewellery, watches, glasses and new works of art. There is no excess but specific claim limits may apply.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare NAB credit cards or other cards that offer insurance .

NAB business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.

Some NAB business credit cards also offer complimentary transit accident insurance. These are your options with different NAB business cards:

Can I get proof of my cover?

Yes. If you're going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/nab

How do I get cover with a NAB Platinum Visa Debit Card?

The NAB Platinum Visa Debit Card is classified as a Level 2 card, giving you access to complimentary insurace options including international travel insurance. If you have met the eligibility requirements, you can make a claim online at https://travel.agaassistance.com.au/nab/make-a-claim or by calling Allianz on +617 3305 8800 from overseas or 1800 010 075.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

More guides on Finder

The NAB Rewards Platinum offers up to 80,000 bonus NAB Rewards Points, a reduced first-year annual fee and other perks.

This offer on the NAB Low Rate Card gives you a way to get $300 cashback as a new cardholder. Is it right for you?

The NAB Rewards Business Signature lets you earn points as you manage your business expenses and offers exclusive business travel and retail deals from Visa.

Offers up to 180,000 bonus NAB Rewards Points, premium perks and $0 international transaction fees.

With up to 100,000 bonus NAB Rewards Points, a reduced first-year annual fee and perks, is this NAB card right for you?

The NAB Business Card offers additional cardholders with individual credit limits, up to 35 interest-free days on business purchases and liability insurance.

The NAB Low Rate Business credit card offers cards for employees and low-cost features, including 0% p.a. on purchases for the first 12 months.

The NAB Low Rate credit card offers cost-saving features, including a 0% balance transfer for 28 months and $0 annual fee for the first year.

You can use the NAB Low Fee Platinum Card to consolidate your debts and reduce your interest costs with a balance transfer offer.

The NAB Low Fee Card offers up to 44 interest-free days on purchases, a competitive annual fee and a low minimum credit limit.

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• Australia & New Zealand Cruisers

Travel insurance NAB credit card vs annual multi trip

By subaru94 , August 16, 2022 in Australia & New Zealand Cruisers

Recommended Posts

Hi, I'm 65 husband 73, both healthy, getting quotes for cruising as have 5 cruises over the coming months.  I am tempted to get a NAB premium debit card, however, can't seem to get a clear answer if it covers cruising.  The debit card would cost $10 per month, which I think is pretty good comparing to the cost of travel insurance the cheapest I have been quoted is $1574 for the year through World2Cover.  Any feedback would be greatly appreciated.

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17 minutes ago, subaru94 said: Hi, I'm 65 husband 73, both healthy, getting quotes for cruising as have 5 cruises over the coming months.  I am tempted to get a NAB premium debit card, however, can't seem to get a clear answer if it covers cruising.  The debit card would cost $10 per month, which I think is pretty good comparing to the cost of travel insurance the cheapest I have been quoted is $1574 for the year through World2Cover.  Any feedback would be greatly appreciated.

Hi subaru94

I would assume that it would be similar to my Com Bank credit card, in that cruise cover is excluded but offered as an extra, cost is linked to the cruise places visited and length of cruise.

Check out their disclosure statement, it would be included in their exclusions.

Aus Traveller

I researched complimentary Credit Card insurance a few months ago and put a spreadsheet in this section of the forum. I did not check debit cards and I don't know if it would give you the coverage you need. From reading the pds for the NAB credit card on line, I am pretty sure it covers cruising, but I don't know about the debit card. You can easily check it out on line.

Thank you for your feedback,  after waiting for nearly an hour on phone got through to the underwriters, who said yes cruising both Australia and overseas  was covered as was covid 19 if you were to test positive the day before and had to change flights, only thing is $300 excess required.  So I think we will probably go through the NAB debit card.

Hey Subaru94,

Have a look at the definition of overseas in the PDF booklet

"overseas means outside of Australia and its territories other than when you are aboard a foreign registered cruise vessel in Australian territorial waters."

I would take that to mean yes!!

ANZ has similar wording..."outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters."

Both are underwritten by Allianz.

The NAB has different coverage for under 76 with unlimited Medical and no cover for 76 - 91, so you would be fine in regards to your ages.

I did notice that NAB has unlimited cancellation which ANZ is only $20000.

Will look into NAB as ANZ has taken away our Breakfree investment package and its "perks" which included our ANZ Qantas black card, so will have to pay $400 year to keep it!!

Relaxing Rita

I am very interested in this topic.... really look forward to any other information about NAB credit card complimentary travel insurance!!

3 minutes ago, Relaxing Rita said: I am very interested in this topic.... really look forward to any other information about NAB credit card complimentary travel insurance!!

The only info I have to hand is that the NAB complimentary travel insurance is available on several different types of credit cards that have differing annual fees ($30, $90, $250, $295). You must spend $500 of the travel cost of the card and claims have an excess of $300. The insurance only covers people up to 76 years of age.

For full details I suggest you read the pds that is available on the NAB website.

MicCanberra

My credit card only covers international travel, which excludes domestic cruises, it also requires a minimal spend on aspects of the travel.

I use Westpac platinum for an annual fee and as a long term customer still only pay $100 a year and this card which also comes with rewards.

As of Last month they have included Covid cover “yeah” covers up to 80 must spend $500 pp and has a $300 excess.

Cheers Carole 

6 hours ago, Aus Traveller said: I researched complimentary Credit Card insurance a few months ago and put a spreadsheet in this section of the forum. I did not check debit cards and I don't know if it would give you the coverage you need. From reading the pds for the NAB credit card on line, I am pretty sure it covers cruising, but I don't know about the debit card. You can easily check it out on line.    

I'm getting really confused now, I thought I had it down what Credit Card Insurance covered, now not so sure, I had been told by the bank the basic free insurance did not cover cruises, that you had to purchase an option for cruising.

Just down loaded their latest product discloser.

Just been through it several times, until my eyes started swirling.

As far as I can see, cruising international or domestic is  covered in the standard free cover. It instructs "For a domestic cruise, not part of an international journey, please choose ‘Pacific’ as your destination during activation" . Well there you go.

There is no exclusions anywhere for cruising its self, however there are some cruise extras that require inclusion, " Cabin Confinement; Prepaid Shore Excursion Cancellation; Formal Wear Damaged, Lost or Stolen; Delayed Formal Wear; Marine Rescue Diversion" . Oh by the way I'm referring to Com Bank Credit Card Insur.

I'm still trying to make sense of their Covid clauses.

Evon I have tried to find your spreadsheet, but can't seem to get the right search words to locate it, do you have any hints to locate it?

Here it is again. It looks small on the screen but it can be enlarged. Different banks have their own T&C.

7 hours ago, subaru94 said: The debit card would cost $10 per month,

Why a debit card? why not just get a Credit Card that has included insurance, most banks do them, ANZ Rewards Platinum for example or a Westpac Altitude Platinum, for about $99 a year card fee you get full travel insurance and also collect points for gift cards or you can convert them into frequent flyer points.

Most have offers of a fee free for first year and bonus points.

I got an ANZ card, no fee fo the first year and almost enough points for one way Virgin flights for both of us from Perth to Sydney when we cruise between the 2 citys next year.

20 minutes ago, Hammer61 said: Why a debit card? why not just get a Credit Card that has included insurance, most banks do them, ANZ Rewards Platinum for example or a Westpac Altitude Platinum, for about $99 a year card fee you get full travel insurance and also collect points for gift cards or you can convert them into frequent flyer points.

20 minutes ago, Hammer61 said: It can be somewhat difficult to apply for a Credit Card if you are retired and no longer earning a salary.   However,  a Debit Card (NAB Platinum Debitcard) will also have complimentary travel insurance which now includes Covid coverage.  It takes 5 minutes online to apply for this debit card.  However,  read the PDS as 76yrs and over are not covered for medical issues but you will be covered for all other travel insurance claims.   

1 hour ago, Aus Traveller said: Here it is again. It looks small on the screen but it can be enlarged. Different banks have their own T&C.

Thanks Evon.

Insurers are a bit sneaky, just found out the PDS Downloaded from the bank is different than the one issued by their insurer.

Redoing another long search through another 90 odd pages.  🤬

6 hours ago, MicCanberra said: My credit card only covers international travel, which excludes domestic cruises, it also requires a minimal spend on aspects of the travel.

Hi MicCanberra, I got told by a few travel insurance companies that domestic cruises are actually classified as international as soon as they leave the ports, not sure if this is something new or because of Covid.  I asked the underwriters for the NAB  platinum card and they said all cruises covered by credit card, even if you test positive to Covid the day before and have to change travel arrangements they are all covered to.

3 hours ago, Hammer61 said: Why a debit card? why not just get a Credit Card that has included insurance, most banks do them, ANZ Rewards Platinum for example or a Westpac Altitude Platinum, for about $99 a year card fee you get full travel insurance and also collect points for gift cards or you can convert them into frequent flyer points.   Most have offers of a fee free for first year and bonus points.   I got an ANZ card, no fee fo the first year and almost enough points for one way Virgin flights for both of us from Perth to Sydney when we cruise between the 2 citys next year.    

Don't think we would get approved for a Credit Card now as husband retired on a pension and I only work a few hours a week.  Low income?? Hence why I was looking at the NAB debit card that also includes travel insurance.  Will visit bank tomorrow to see what is possible.

2 hours ago, CCC's said:    

Yes when I spoke to the underwriters they said over 76 medical expenses not included,  that's o.k. for us as husband is 73 gives us a few years to use the card.

Thanks just noticed your updated comment. 

Great thanks Suburu94, I’m going to look into the NAB debit card. Since our ANZ credit card now has a limit of $20000 for cancellation. We are also retired, so not sure how easy it is to get a new credit card.

8 hours ago, subaru94 said: Hi MicCanberra, I got told by a few travel insurance companies that domestic cruises are actually classified as international as soon as they leave the ports, not sure if this is something new or because of Covid.  I asked the underwriters for the NAB  platinum card and they said all cruises covered by credit card, even if you test positive to Covid the day before and have to change travel arrangements they are all covered to.

It may have changed, we have had an annual policy for the last 5 or so years due to that and a few other reasons anyway.

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NAB Travel Cards: The Complete Guide

Published: Jun 14, 2024, 11:18am

Table of Contents

Nab debit cards for travelling, nab credit cards for travelling, should i use a bank card or travel card while abroad, bottom line, frequently asked questions (faqs).

In 2012, NAB released a Traveller Card with the intention to make it easier for jet-setters to access their cash while abroad.

However, since November 2020, the bank closed the card to new customers. These days, NAB customers travelling overseas can opt for one of NAB’s other cards that can be used internationally, or use a rival bank or money transfer service.

This guide outlines the pros and cons of the Traveller Card for those existing customers whose cards may not have reached their expiration date yet, as well as the other NAB cards that can be used overseas. We break down international fees; conversion rates; included insurance; and other features.

All fees, interest rates and benefits are accurate at the time of writing and are subject to change.

The debit cards offered by NAB that can be used for travelling—as in, used overseas—include the discontinued NAB Traveller Card, the NAB Visa Debit Card, and the NAB Platinum Visa Debit Card.

The details of each card, primarily in relation to international use, are outlined below.

Note that as these are debit cards, there is no interest rate to take into consideration. The NAB credit cards for travelling, which we explore later, will outline the various interest rates among different credit cards.

There are eight credit cards on offer from NAB, all of which can be used abroad. For ease of reference, we have split the comparisons of these cards into standard credit cards and rewards credit cards.

Let’s start with the standard credit cards —the NAB Low Fee Card, NAB Low Fee Platinum Card, NAB Low Rate Card and the NAB StraightUp Card .

As these are credit cards, there is the interest rate to consider on purchases, whether at home or abroad. This is unless it is an interest-free card.

Related: Balance Transfer Credit Cards Explained

Now, let’s look at the rewards cards , including the frequent flyer credit cards that allow you to earn travel perks, such as bonus points to redeem on flights or upgrades, lounge access, complimentary travel insurance and more.

It’s worth noting that on June 12, NAB made some significant changes to its NAB Rewards Signature card, including ditching the annual fee for a $24 per month payment (which works out slightly cheaper); a waiver on the monthly fee when more than $5,000 is spent each month; the scrapping of international transaction fees, which were formerly 3%; and the addition of mobile phone insurance. Reward earn rates have also changed, with uncapped potential added, and complimentary lounge passes will be available to passengers whose flights are delayed. For full details of the change, visit Nab’s dedicated Signature Rewards page .

NAB economics data shows a third of Australians say they’re saving and planning for a holiday this year.

“Our customers and bankers have told us one of the key pain points for travel cards is around international transaction fees,” said Tim Peters, NAB executive of Personal Lending Experience.

For information on what you could buy with bonus points, read our guide on what Qantas points are worth, including how many points you would need to redeem domestic and international flights.

Related: Our Pick Of The Best Qantas Points Credit Cards For Frequent Flyers

There are many cards on the market that can be used when travelling, with some companies offering cards designed for this purpose alone. Wise and Revolut , for example, offer debit cards that allow Australian cardholders to store numerous currencies on the single card, create local bank account details in multiple countries, and save on foreign transaction fees and/or currency conversion fees.

As stated, NAB discontinued its travel-specific card that allowed its customers to hold multiple currencies. However, its Big Four competitors still have their own versions available: the Westpac Travel Money Card allows for 11 currencies, while the Commonwealth Bank Travel Money Card can hold 13.

Like NAB, ANZ discontinued its version of a travel card in recent years as well.

While it’s unfortunate that NAB no longer offers its travel-specific card with multiple currencies, NAB still has options for Australians when travelling.

If you are after a NAB card to use abroad, you will need to consider whether you want a debit or credit card, whether you’re willing to pay an annual or monthly fee, any additional perks you are after, and the foreign transaction fees you’ll be charged while travelling—although NAB has scrapped foreign transaction fees on its Signature Credit Card as of June 2024.

Does NAB have travel cards?

NAB used to have a travel-specific card, allowing Australians to travel internationally and spend money in one account with various currencies while abroad. This card was discontinued in recent years, with NAB not publicly explaining why this occurred.

Now, NAB customers wanting to use their NAB cards while overseas will have to consider the foreign transaction fees as well as any ATM withdrawal fees. If they’re using a credit card, they will also need to consider the interest rate on purchases if they don’t pay their card off in full each month.

Luckily, all NAB cards can be used abroad.

Is NAB’s travel insurance good?

Some of NAB’s card offerings include complimentary domestic and international travel insurance when you book your trip with your card. Often this complimentary insurance offered by credit card companies is more of a ‘bare bones’ policy, rather than a comprehensive travel insurance policy .

With NAB, the complimentary international travel insurance can be claimed if you:

• charge at least $500 of your prepaid travel costs to the account holder’s card account before leaving Australia
• have a return overseas travel ticket before leaving Australia
• be aged under 81 years at the time you become eligible for the cover by meeting the conditions above.

On NAB’s website, it states that the “the below information is a limited summary only and is subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply”. In summary, it says it may cover:

• Overseas emergency assistance and medical expenses;
• Accidental death and loss of income;
• Cancellation;
• Travel delay and alternative transport expenses;
• Luggage and luggage delay;
• Rental vehicle excess; and
• Personal liability.

It’s important to read the terms and conditions of your individual card and its travel insurance conditions before you rely on it for your insurance needs while abroad.

What are the international transaction fees on NAB cards?

International transaction fees charged on NAB cards vary from card to card, but are usually around 3% to 4% of the transaction. There are additional charges for cash withdrawals overseas, as well as a transaction fee, and usually a withdrawal fee from the ATM operator. As of June 12, 2024, NAB has scrapped these international fees on its Rewards Signature card.

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Credit card travel insurance

Complimentary or 'free' credit card travel insurance is a popular feature which many travellers rely on for cover during their travels.  Checking the fine print of your credit card travel insurance policy terms is essential - otherwise, you might find common exclusions leave you out of pocket.

What is  credit card travel insurance?

Pros and cons of credit card travel insurance.

Here's the top four pros and cons of complimentary credit card travel insurance:

Most credit card policies are underwritten by the same companies as standalone policies, so you know legitimate claims will be paid. 

Most credit card travel insurance policies specifically exclude pre-existing conditions from cover.

While standard travel insurance gets more expensive as you get older, there's no extra cost on credit card travel insurance policies. 

Many cards have an age limit or restrictions once you hit 75 years of age. Trip duration is often limited of 1 to 6 months, so you might not be covered at all even though you've paid your annual fee. 

You don't have to pay extra to be covered for places like Japan and the USA, which typically cost more with standalone policies due to .

If you're going skiing, riding a motorcycle, or partaking in adventure activities be sure to check the policy detail as they may be excluded.

You've already paid for your policy using your annual fees, so there's no additional cost to you. 

Annual card fees can be hefty. Depending upon your trip details, a standalone policy may be cheaper than your credit card annual fee.

Activating  credit card travel insurance

1. ​activation on purchase, 2. activation on value or percentage of trip purchases, 3. activation on flight purchase, 4. activation on notification.

You need to call your card provider or log in to their internet banking or app and notify them of your trip to activate the policy.

compare credit card  travel insurance conditions 

The information provided is factual at the time of writing and general in nature.  We have not considered your personal circumstances.  Eligibility requirements and terms and conditions for cover are subject to change from time to time.  Please refer to your credit card provider and the latest policy wording prior to your travels. 

Will credit card insurance cover you?

Spouse or family members, trip length.

what credit card travel insurance may not cover

Pre-existing conditions, holiday activities,   high-value items, what credit card travel insurance covers, overseas emergency medical treatment, cancellation fees and lost deposits, luggage and personal effects, public liability, credit card travel cover  faqs, is credit card travel insurance any good.

Whether credit card travel insurance is as good as or better than standalone travel insurance depends entirely on you and your circumstances. If you're going for a short trip, you've paid for your flight on your card, and you have no pre-existing medical conditions, taking advantage of 'free' credit card travel insurance might be a winner. But if you're going for a while, doing any adventurous activities, or you're got existing health issues, a standalone product may offer you the coverage you're looking for.

Which Australian credit cards come with travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. Check your policy documents for details or contact your bank. You can also check the table above for some of the more popular credit cards.

What is the best credit card for travel insurance?

The benefits you get with credit cards varies based on the type of card you have, the policy provider and your individual circumstances, so there isn’t actually a “best” credit card for travel insurance. Our table lists Australia's premium cards that provide travel insurance and outlines any activation criteria.

Can I cover my medical conditions with my credit card cover?

In most cases, pre-existing medical conditions will not be covered by travel insurance that comes with your credit card, but you may be able to get cover for this by contacting the insurer and paying an additional premium. You will need to check the Product Disclosure Statement (PDS), also known as policy wording to find out whether pre-existing medical conditions are covered. The alternative is a standalone travel insurance, learn more about covering your medical conditions.

Am I covered if I go skiing?

Like all insurances, some limitations apply to the travel insurance that comes with your credit card or rewards card and skiing is often one of them. Winter sports activities such as skiing and snowboarding are often excluded from credit card travel insurance, so if you're planning on hitting the slopes you should contact your provider to ensure that you have adequate cover for your planned activities. If not, opt for a standalone ski insurance policy.

Crystal Moran

With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.

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Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip cancellation and amendment, pre-existing medical conditions, other questions, eligibility for cover under the policy, overseas medical expenses.

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Pay Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Pay?

Who's eligible for Qantas Pay?

Is Qantas Pay a credit card or a debit card?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Pay?

Apply and activate

How do I sign up for Qantas Pay

How do I activate my Qantas Pay card?

Will a credit check be conducted when I sign up for Qantas Pay?

Can I sign up for Qantas Pay if I have a foreign passport?

How do I use Qantas Pay?

What if the details on the Qantas Pay identity verification form are incorrect?

What if I don’t have an Australian Passport or an Australian Driver’s Licence?

What do I do if I’m unable to sign up for Qantas Pay online?

I’ve forgotten my Qantas Pay card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I set my Qantas Pay card pin?

Is my Qantas Pay card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Pay?

What fees apply to Qantas Pay?

What limits apply to Qantas Pay?

Do fees apply if I don’t have the local currency on my card?

What should I do if my card is expired?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Pay card?

How do I transfer between currencies on the Qantas Pay card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Pay?

When to use

Where can I use Qantas Pay?

Can I use Qantas Pay if the local currency isn’t available?

Can I use my Qantas Pay card at a hotel or on a cruise?

Can Qantas Pay be used for Qantas in-flight duty free purchases?

Can I use Qantas Pay to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Pay?

Can I view my Qantas Pay balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Pay?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Pay Card won’t work?

I’m overseas and my Qantas Pay card isn’t working

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

How long do load transactions take to appear in my account?

Contact Information

Accessibility and Disability Support - Qantas Pay

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Pay card?

Qantas Money App

Update my Qantas Money App

How to update my Qantas Money App?

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Premier Credit Card ​ > ​ ​Complimentary Travel Insurance

The FAQs are a summary only; they are not an exhaustive list of the coverage, terms, conditions or exclusions in the policy. Limits apply and vary with each plan. Please refer to the Terms and Condit…

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NAB Platinum Visa Debit card – 0% foreign currency transaction fees

Immanuel Debeer | 26/11/2019

Using your credit card overseas can be a costly exercise. With most cards charging 3% of the converted amount you quickly lose out on the points benefits your card might be offering.

The NAB Platinum Visa Debit card has 0% foreign currency transaction fees on international purchases for both online shopping or when you’re overseas~.

If credit cards aren’t your thing or you’re a young traveller looking for a cost-effective way to spend your money overseas, the  NAB Platinum Visa Debit card could be for you . The card comes with complimentary travel insurance* and since it’s a debit card, you’re only spending the money in your account.

What the card offers

• No foreign currency transaction fee on international purchases (both online and in person)
• 24/7 travel and lifestyle assistance through the NAB Concierge Service^
• Complimentary insurances, including overseas travel and purchase protection*
• Up to $10 cash back per month on contactless purchases #  including Apple Pay and Google Pay
• Link to a new or existing NAB Classic Banking account
• Block lost or stolen cards while overseas in the NAB App **

1% Cash Back  #

NAB Platinum Visa Debit cardholders may earn up to $10 cash back per month which would offset the monthly card fee of $10. To be eligible, contactless purchases must be made in Australian currency and processed and debited to your account by the last banking day of the month.

7 Complimentary Insurances *

• Overseas travel insurance
• Transport Accident insurance
• Interstate flight inconvenience insurance
• Domestic hotel burglary insurance
• Purchase protection insurance
• Extended warranty insurance
• Price protection insurance

How to activate the travel insurance?

To qualify for the complimentary travel insurance simply use your NAB Platinum Visa Debit card to pay for transport, tours, and/or accommodation before you travel. The insurance is activated when you spend $500 or more. Your spouse and any dependent children travelling with you will also be covered.

As always, travel insurance is a highly personal thing so I would recommend you read the PDS  here  to see if the cover is suitable for your needs.

NAB Platinum Visa Debit card in conclusion

Whilst there are other cards in the market (ING Direct, Macquarie Everyday Account, Citi Plus Account) that offer 0% foreign currency transaction fees, the NAB Platinum Visa Debit Card is unique because it also includes a range of insurance products.

This means the card can potentially save you hundreds of dollars a year in travel insurance and purchase protection. This is a key feature to keep in mind if you don’t already use a premium credit card such as the NAB Signature Visa or you’re a younger traveller who doesn’t have access yet to the high-end travel credit cards on the market.

To learn more or apply visit:  www.nab.com.au/personal/accounts/debit-cards/nab-platinum-visa-debit-card

NAB Terms & Conditions

~Platinum Visa Debit

Terms and conditions https://www.nab.com.au/personal/help-and-guidance/terms-and-conditions-for-personal-products/personal-transaction-and-savings-products) and fees and charges (see https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/personal-banking-fees-and-charges-guide.pdf) apply.

* Complimentary insurances

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).

Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy information booklet https://www.nab.com.au/content/dam/nabrwd/documents/policy/insurance/nab-card-insurance-policy-information.pdf and in the NAB Purchase Protection Insurance Policy Information Booklet https://www.nab.com.au/content/dam/nabrwd/documents/policy/insurance/nab-purchase-protection-insurance.pdf  which may be amended from time to time. NAB does not guarantee this insurance.

^ Concierge service

This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB concierge services call 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/services/nab-concierge-services.pdf for full details.

# Cash back eligibility

To be eligible spend for cash back, contactless purchases must be made in AUD and processed and debited to your account by the last banking day of the month. Eligible spend is capped at $1,000 per month.

** The NAB Mobile Banking app is compatible with Android and iOS, minimum platform requirements apply. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. ©2018 Google LLC All rights reserved. Google and the Google logo are registered trademarks of Google LLC.

Immanuel Debeer

Chief points nerd and travel hacker at Flight Hacks

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Complimentary domestic travel insurance

Check your eligibility, see what's covered, or make a claim on your complimentary domestic travel insurance through Allianz Global Assistance (AGA).

Changes effective 1 November 2023

Please read this summary of changes to understand how it will affect your complimentary card insurance policy for International travel insurance, Domestic travel insurance, Rental vehicle excess insurance in Australia, Extended warranty insurance, and Purchase protection insurance.

Key features

If your NAB card offers complimentary domestic travel insurance, here are a few reasons to use that feature.

Simple eligibility check

With  Allianz Global Assistance’s eligibility portal , opens in new window , you can easily check if your card is eligible for up to five complimentary insurances including domestic travel insurance.

No need to get a quote

Your insurance is complimentary with eligible NAB cards, so no need to get quotes or apply.

Eligible NAB cards

The following NAB cards include complimentary domestic travel insurance.

On sale cards

• NAB Qantas Rewards Signature Card
• NAB Qantas Rewards Premium Card
• NAB Rewards Signature Card
• NAB Rewards Platinum Card
• NAB Low Fee Platinum Card
• NAB Platinum Visa Debit Card

Off sale cards

• NAB Premium Card
• NAB Velocity Rewards Premium Card
• NAB Flybuys Rewards Card
• NAB Low Rate Platinum Card
• NAB Qantas Plus Card

Eligible purchases

To be eligible:

• the entire cost of the return domestic flight ticket is charged to the accountholder’s card account; or
• at least $250 of prepaid travel costs are charged to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.

Policy coverage

The below is a limited summary only. Terms, conditions, exclusions, limits, sub-limits and excesses apply.

Designed to cover cancellation, flight delay, luggage and additional expenses up to specified limits.

You, your spouse and your dependants may be covered by this policy subject to meeting eligibility criteria.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

What may be covered

Below is a limited summary only. For the full list of benefits and any limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

Examples of what this insurance is designed to cover include:

cancellation

flight delay

luggage and luggage delay

additional expenses.

What isn’t covered

Below is a limited summary only. For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

Examples of what’s not covered include claims arising directly or indirectly because of:

• travelling against medical advice
• you participating in any dangerous activities or exposing yourself to danger unless in an attempt to save a human life.

Other complimentary insurances

If you have an eligible NAB card, and make an eligible purchase, these complimentary insurances are also available.

Complimentary international travel insurance

If your card is eligible for complimentary international travel insurance, this is what you need to know.

Complimentary rental vehicle excess insurance in Australia

How to make a claim, check eligibility and understand your policy.

Complimentary extended warranty insurance

Learn about policy coverage, eligibility and the simple claims process for your extended warranty insurance.

Complimentary purchase protection insurance

What you need to know about your policy coverage, eligible purchases and claims.

Complimentary mobile phone insurance

Enjoy complimentary mobile phone insurance if you have a NAB Rewards Signature Card.

How to make a claim

The most convenient way to claim is to use the claims form and email the Allianz Global Assistance (AGA) claims team, or call AGA on the numbers below.

Download the relevant form and email our insurance provider Allianz Global Assistance.

Call Allianz Global Assistance (AGA)  Monday to Friday, 8:00am to 7:00pm (AEST/ADST) .

Australia:  1800 187 025

Emergency assistance is available 24 hours a day, seven days a week. Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Australia:  1800 010 075

Overseas:  +61 7 3305 8800

Important Information

Terms and conditions.

This section contains Important Information relevant to the page you are viewing, but you can't see it because you have JavaScript disabled on your browser. Please enable JavaScript and come back so you can see the complete page. It's important that you read the Important Information in this section before acting on any information on this page.

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AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third-party beneficiaries. 

Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third-party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.

If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy set out in the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window , which may be amended from time to time. For claimable events that occurred prior to 1 November 2023, please refer to the  NAB Card Insurance Policy Information Booklet Effective 30 June 2022 (PDF, 604KB) , opens in new window .

For more information about the changes visit Information about changes to complimentary insurances .

Get up to 150,000 bonus Velocity Points*

With a Velocity Frequent Flyer credit card, you can send your Velocity Points balance soaring and unlock a world of travel rewards and exclusive benefits.

Go from Points to paradise fast with a Velocity Frequent Flyer credit card and up to  150k bonus Velocity Points*             

You can get up to 120,000 bonus Velocity Points with select American Express, Westpac, Virgin Money, NAB, and ANZ Velocity Frequent Flyer credit cards, when you apply and are approved, and meet the minimum spend and eligibility requirements as specified by the provider. Plus, for a limited time, you can get an extra 30k bonus Points on select Velocity Points earning credit cards*. 

It's time to bring on more rewards and send your Velocity balance soaring! 

*T&Cs, min. spend and eligibility criteria applies. The additional 30k bonus offer on select cards ends 15 July 2024. The 30k bonus offer on the AMEX Velocity Platinum ends earlier on 26 June 2024. Offer end dates may be extended without notice. 

Participating Cards and Inclusions

Want to get to rewards faster ? Now it's time to choose an eligible card from our leading credit card partners American Express, Westpac, Virgin Money, NAB and ANZ to receive up to 120,000 bonus Velocity Points and an additional 30,000 Points on select cards, when you apply, are approved and meet the minimum  spend requirements*.

Choose between a Velocity Points earning credit card where you can earn Velocity Points on your everyday spend or explore our transfer cards where you can set up auto-redemption to bring your Points to your Velocity account regularly without lifting a finger.

What's the difference?

What's the difference between our Velocity Points earning credit cards and transfer cards? That's a great question!

Velocity Points earning credit card

With a Velocity Points earning credit card , Points earned on your everyday spend are automatically loaded into your Velocity account each month. It's that simple!

Auto transfer your way to wonderful rewards

Have a Card with any of our participating bank partners? Set up Auto Transfer to automatically bring your Points home to Velocity regularly, without lifting a finger! 

• 60,000 bonus Velocity Points 1  when you apply online by 26 June 2024, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only 1.
• Earn up to 2.25 Points per $1 spent 2
• A complimentary Virgin Australia return domestic flight between selected cities 3  and two complimentary single entry Virgin Australia lounge passes each year 4
• Receive 100 Velocity Status Credits, when you spend a minimum of $50,000 within your Card Membership year 5
• All these benefits and more for an annual fee of $375

Get an extra 30,000 Velocity Points, that’s a total of up to 90,000 bonus Velocity Points when you apply by 26 June 2024.*

• 100,000 bonus Velocity Points when you apply, are approved and spend $5,000 on eligible purchases on your new American Express® Velocity Business Card within 2 months of your approval date. Offer ends 27 August 2024 6 . Available for new American Express Card Members only. 
• Join Virgin Australia Business Flyer to receive a complimentary 12 month Velocity Gold membership 7
• Earn up to 2 Points per $1 spent 8
• Complimentary Travel Insurance when you use your American Express Velocity Business Card to pay for your return trip 9
• No pre-set spending limit 10  and up to 51 days to pay for purchases 11
• All these benefits and more for an annual fee of $249

Get an extra 30,000 Velocity Points, that’s a total of up to 130,000 bonus Velocity Points when you apply by 15 July 2024.*

• Up to 120,000 bonus Velocity Points 12
• 0.75 Velocity Points per $1 spent 13  on eligible purchases 14
• Two complimentary single entry Virgin Australia domestic lounge passes each year 15
• Personal Concierge Service lets you browse and book experiences online 16
• All this and more for an annual card fee of $295, plus an annual Altitude Velocity Rewards fee of $75 17

Get an extra 30,000 Velocity Points, that’s a total of up to 150,000 bonus Velocity Points when you apply by 15 July 2024.*

• Up to 80,000 bonus Velocity Points 18
• Earn up to 0.5 Velocity Points per $1 spent 19  on eligible purchases 20
• Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only) 21
• $99 reduced first year annual fee ($175 thereafter) 22 , plus an annual Altitude Velocity Rewards fee of $75 23

Get an extra 30,000 Velocity Points, that’s a total of up to 110,000 bonus Velocity Points when you apply by 15 July 2024.*

• Up to 80,000 bonus Velocity Points 24  
• Up to 1 Velocity Point per $1 spent on eligible transactions. Limits apply 25
• Request an annual $129 Virgin Australia Gift Voucher 26
• 2 complimentaryVirgin Australia domestic Lounge passes each year 27
• Up to 100 Bonus Status Credits 28 each year when you purchase and fly an eligible Virgin Australia flight
• $329 annual card fee (annual fees are subject to change)

Get an extra 30,000 Velocity Points, that’s a total of up to 110,000 bonus Velocity Points when you apply by 15 July 2024.*

• Up to 60,000 bonus Velocity Points 29
• Up to 0.66 Velocity Points per $1 spent on eligible transactions. Limits apply30
• Earn 1 Extra Velocity Point per $1 spent at Virgin Australia 31
• Request an annual $129 Virgin Australia gift voucher 32
• $74 annual card fee for the first year and then $149 after that 33   (annual fees are subject to change)

Get an extra 30,000 Velocity Points, that’s a total of up to 90,000 bonus Velocity Points when you apply by 15 July 2024.*

• Up to 90,000 bonus Velocity Points once enrolled in Auto-Redemption. That's 65,000 bonus Velocity Points (converted from 130,000 NAB Rewards Points) when you spend $3,000 on everyday purchases within the first 60 days of account opening 34 , and 25,000 bonus Velocity Points (converted from 50,000 NAB Rewards Points) when you keep your card for over 12 months 34 . 
• No international transaction fees
• $24 monthly fee, with monthly fee waiver when you spend $5,000 or more in statement period 35

Get an extra 10,000 Velocity Points, that’s a total of up to 100,000 bonus Velocity Points when you apply by 15 July 2024. 36

• Up to 80,000 bonus Velocity Points once enrolled into Auto-Redemption 37 . That's 60,000 bonus Velocity Points (converted from 120,000 NAB Rewards Points) when you spend $1,000 on everyday purchases within the first 60 days of account opening, and 20,000 bonus Velocity Points (converted from 40,000 NAB Rewards Points) when you keep your card for over 12 months.
• Reduced annual card fee (from $195 to $95) for the first year  38

• Up to 100,000 bonus Velocity Points 39 . That's 70,000 bonus Velocity Points when you turn on Auto-Redemption and spend $2,000 on eligible purchases within 3 months from approval, and 30,000 additional bonus Velocity Points when you have Auto-Redemption active and your card is kept open for over 15 months. 
• Once you meet the offer criteria 39 , ANZ will notify you with instructions on how to claim your bonus Points
• $149 annual fee 40

For a limited time get an extra 30k bonus Points  on select Points earning credit cards

Who doesn't love a little extra on top? Send your balance soaring with up to  150,000 bonus Points   when you apply, and are approved, and meet the minimum spend requirements as specified by the provider*. 

*T&Cs, min. spend and eligibility criteria applies. The additional 30k bonus offer on select cards ends 15 July 2024. The 30k bonus offer on the AMEX Velocity Platinum ends earlier on 26 June 2024. T&Cs apply

• 60,000 bonus Velocity Points 1  when you apply online by 26 June 2024, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only 1 .
• A complimentary Virgin Australia return domestic flight between selected cities 3   and two complimentary single entry Virgin Australia lounge passes each year 4
• 100,000 bonus Velocity Points when you apply, are approved and spend $5,000 on eligible purchases on your new American Express® Velocity Business Card within 2 months of your approval date. Offer ends 27 August 2024 6 . Available for new American Express Card Members only. 
• Join Virgin Australia Business Flyer to receive a complimentary 12 month Velocity Gold membership 7

Get an extra 30,000 Velocity Points, that’s a total of up to 130,000 bonus Velocity Points when you apply by 15 July 2024.*

• 0.75 Velocity Points per $1 spent 13 on eligible purchases 14
• Earn up to 0.5 Velocity Points per $1 spent 19  on eligible purchases 20
• Up to 0.66 Velocity Points per $1 spent on eligible transactions. Limits apply 30
• $74 annual card fee for the first year and then $149 after that 33   (Annual fees are subject to change)

Get to rewards sooner with an Auto Transfer credit card

Who doesn't love a little extra on top? Send your balance soaring with up to 100,000 bonus Points when you apply, and are approved, and meet the minimum spend requirements as specified by the provider*. 

*T&Cs, min. spend and eligibility criteria applies. 

• Up to 90,000 bonus Velocity Points once enrolled into Auto-Redemption. That's 65,000 bonus Velocity Points (converted from 130,000 NAB Rewards Points) when you spend $3,000 on everyday purchases within the first 60 days of account opening 34 , and 25,000 bonus Velocity Points (converted from 50,000 NAB Rewards Points) when you keep your card for over 12 months 34 . 

Get an extra 10,000 Velocity Points, that’s a total of up to 100,000 bonus Velocity Points when you apply by 15 July 2024. 36

Terms and Conditions

Credit Services Disclaimer

The credit services material on this webpage has been prepared by the relevant credit licensees as indicated and not Velocity Frequent Flyer Pty Ltd (VFF) or Virgin Australia (VA). VFF and VA do not hold an Australian Credit Licence and are not the licensee in relation to the credit activity being engaged in by the relevant credit licensee/credit representative.

In relation to credit cards featured on the Velocity Frequent Flyer credit card  page only. Terms and conditions apply. 

*30,000 bonus Points

To be eligible to receive 30,000 bonus Velocity Points, you must (a) be a Velocity Frequent Flyer member, (b) apply for the American Express Velocity Platinum credit card between 12.01am (AEST) 12 June 2024 and 11:59pm (AEST) 26 June 2024, American Express Velocity Business Card, Westpac Altitude Platinum credit card, Westpac Altitude Black credit card, Virgin Australia Velocity Flyer credit card, Virgin Australia Velocity High Flyer credit card between 12.01am (AEST) 12 June 2024 and 11:59pm (AEST) 15 July 2024, and (c) be approved and meet the minimum spend criteria for the eligible offer associated with the individual card if the application is successful. Offer end dates may be extended without notice. 

The 30,000 bonus Points will be allocated to your Velocity account in accordance with, and subject to the Velocity membership Terms and Conditions 10-12 weeks after you meet the minimum spend criteria for the eligible offer associated with the individual card.

This bonus Points offer cannot be used in conjunction with other bonus Points offers provided by Velocity Frequent Flyer in respect of Credit Cards. Only one bonus Point offer can be earned on a single credit card; if multiple offers are activated, the highest bonus Point offer will be applied.

American Express Velocity Platinum Card:

1. Bonus & Eligibility.  Receive 60,000 bonus Velocity Points when you apply online by 26 June 2024, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months from the Card approval date. This offer is only available to new American Express Card Members. If you are an existing David Jones Card Member and don’t hold or have previously held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited, in the preceding 18 month period are ineligible for this offer. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. 60,000 bonus Velocity Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met.

Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available  here  and Velocity membership and Points earn and redemption are subject to the  Velocity Membership Terms and Conditions , as amended from time to time. $375 annual fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

2.   Velocity Points . As long as your account remains current and in good standing. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available  here.  Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available  here.  Certain transactions will earn 0.5 points per dollar with Merchants classified as; 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. The additional Velocity Point earned per $1 spent applies only to Virgin Australia purchases made in Australia.

3. Complimentary Flight.  The complimentary domestic economy Virgin Australia return flight is available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. All travel is subject to the  American Express Velocity Platinum Card Benefits Terms and Conditions  and travel is subject to  Virgin Australia Conditions of Carriage .

4.   Virgin Australia Lounge.  Two Single Entry passes to the Virgin Australia lounge will be activated on the Primary Card Member's Velocity Membership Card annually on or after each annual Card fee renewal date. Virgin Australia lounge entry passes are subject to the  American Express Velocity Platinum Card Benefits Terms and Conditions.   Single entry passes are valid for 12 months from the date of issue. The Virgin Australia Lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the  Virgin Australia Lounge Terms and Conditions ,  as amended from time to time. Visit the  Virgin Australia website  for up-to-date information on Virgin Australia’s Lounge network. 

5. Status Credits.  100 Velocity Frequent Flyer Status Credits will be awarded when you spend a minimum of $50,000 (on Eligible Spend) within your card membership year. Card membership year means 365 days from the anniversary date of your American Express Velocity Platinum Card. Eligible Spend does not include cash type purchases on a Card, for example travellers cheques and foreign currencies or any interest, fees or charges (including late payment or dishonoured payments) charged to the Card account. Please allow up to 2 weeks after you meet the minimum spend requirement for the Velocity Frequent Flyer Status Credits to be credited to your Velocity account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. Find out more about the  Status Credit and Eligible Sector requirements for Velocity membership levels.

American Express Velocity Business Card:

6. Bonus & Eligibility:  Offer only available to new American Express Card Members who apply for the American Express Velocity Business Card by 27 August 2024, are approved and spend $5,000 on   eligible purchases on their new Card in the first two (2) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion .  Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer. 200,000 bonus Velocity Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. $249 annual fee applies. Subject to the  American Express Velocity Business Card Points Terms and Conditions . This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

7. Jump to Tier 2:  New American Express Velocity Business Card Members who:

a) successfully apply for the American Express Velocity Business Card by 27 August 2024 and are approved;

b) spend $5,000 on their new American Express Velocity Business Card in the first two (2) months from the Card approval date; and

(i) are already a Virgin Australia Business Flyer Member with a Tier 1 Level Status; or

(ii) sign-up to Virgin Australia Business Flyer within the first two (2) months from the American Express Velocity Business Card approval date are eligible to be upgraded from Tier 1 to Tier 2 Level Status of Virgin Australia Business Flyer for 12-months (Jump to Tier 2 Offer), which includes a complimentary 12-month Velocity Gold Membership. See  here  for Velocity Gold Membership terms and conditions. The tier jump can take up to one month to reflect in a member’s Virgin Australia Business Flyer account.

For the avoidance of doubt, existing Virgin Australia Business Flyer members who are already at Tier 2 or 3 Level Status are not eligible for the Jump to Tier 2 Offer.

Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for the Jump to Tier 2 Offer.

At the end of each 12-month anniversary, Virgin Australia reserves the right to review and change the Virgin Australia Business Flyer Member’s Tier Level based on the Member’s spend with Virgin Australia Business Flyer in the previous 12-months. Jump to Tier 2 Offer and the Program Benefits available for Tier 2 Virgin Australia Business Flyer Members are subject to the  Virgin Australia Business Flyer Terms & Conditions , as amended from time to time. For more information regarding Tier Level Program Benefits, please visit https://virginaustralia.com/businessflyer.

8. Velocity Points:  As long as your account remains current and in good standing, Velocity Points are earned in accordance with and subject to the  Velocity American Express Cards Points Terms and Conditions , and exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the  Velocity American Express Card Points Terms and Conditions . Earn 1 Point per $1 spent on eligible purchases and 2 Points per $1 spent on Virgin Australia purchases in Australia. You will earn 0.5 points per $1 spent at participating merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies. Industry specific earn rates may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be taxation implications associated with your participation in the rewards program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.

9. Insurance:  The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Velocity Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the  American Express Velocity Business Card Insurance Terms and Conditions  and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.

10. No pre-set spending limit:  does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

11. Extend your cash flow by up to 51 days:  Depending upon when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

Westpac Altitude Black Credit Card with Velocity Points:

12. Bonus Velocity Points Promotion Altitude Black:  To be eligible for up to 120,000 bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Black credit card between 2 November 2023 and 31 July 2024. You will receive an initial 90,000 bonus points if you spend $6,000 or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active.

If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.

13. Rewards Points:  The earning and redemption of Velocity Points are subject to the  Altitude Terms and Conditions . Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

14. Eligible purchases  do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

15. Virgin Australia Domestic Lounge Passes  Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the  Altitude Terms and Conditions , you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in  selected domestic airport locations  and entry is subject to the  Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions  and  Virgin Australia Lounge Terms and Conditions  which are subject to change from time to time.

16. Concierge Services  for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit  www.westpac.tenconcierge.com

17. Altitude Velocity:  In order to earn and redeem points, you must be a member of the Velocity Frequent Flyer program. An annual $75 Velocity Rewards fee applies.

Westpac Altitude Platinum Credit Card with Velocity Points:

18. Bonus Velocity Points Promotion Altitude Platinum:  To be eligible for up to 80,000 bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Platinum credit card between 28 February 2024 and 31 July 2024. You will receive an initial 60,000 bonus points if you spend $4,000 or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 20,000 bonus points if you keep your account open for more than 12 months and continue to use the card. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. 

If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 60,000 bonus points only. However, you are still eligible for the additional 20,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis.

19. Rewards Points:  The earning and redemption of Velocity Points are subject to the  Altitude Terms and Conditions . Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

20. Eligible purchases  do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

21. Economy X Seat Upgrade Voucher conditions:

Economy X Seat Upgrade Vouchers: Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only.  All Economy X Seat Upgrade Voucher redemptions are subject to availability. All travel is subject to the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on 1300 038 373 at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on.  All travel is subject to the Economy X standard Terms and Conditions and the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time.

22. Reduced First year Annual Card Fee:  The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Velocity Platinum card between 28 February 2024 and 31 July 2024. After the first year, the card fee reverts to $175 and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.

23. Altitude Velocity:  In order to earn and redeem points, you must be a member of the Velocity Frequent Flyer program. An annual $75 Velocity Rewards fee applies.

Virgin Australia Velocity High Flyer Card:

24. Virgin Australia Velocity High Flyer Card 80,000 bonus Velocity Points offer Up to 80,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 2 September 2024. 40,000 bonus Velocity Points will be awarded for every month $3,500 or more is spent on eligible purchases for first 2 months from card approval (spend period).  Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through  this page . Points will be credited to the Primary Cardholder's Velocity account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer membership linked to the Virgin Australia Velocity High Flyer Card account.  Velocity membership Terms and Conditions apply . This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers.   Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

25. Earn Rates   Standard Velocity Point earn rate on the Virgin Australia Velocity High Flyer Card is 1 Point per dollar spent on Eligible Transactions on your first $8,000 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar spent on Eligible Transactions on your first $1,500 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See  Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions  for full details and definition.

26. $129 Virgin Australia Gift Voucher   The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at  https://virginmoney.com.au/products/credit-card/gift-voucher , your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See  Virgin Australia Gift Voucher Benefit Terms & Conditions  and  Terms of use  for full details.

27. Complimentary Lounge Pass  The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See  Virgin Australia Lounge Pass Benefit Terms & Conditions  for full details. Get the latest information on  Virgin Australia lounge access . The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the  Virgin Australia Lounge Terms and Conditions , and as amended from time to time.

28. Bonus Status Credits   The Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit is a Special Feature available to Primary Cardholders only. An additional 20% Bonus Status Credits will be awarded when you fly on an Eligible Virgin Australia Flight and meet eligibility criteria being: a) a flight purchased using your Virgin Australia Velocity High Flyer Card directly with Virgin Australia (via Virgin Australia website, Virgin Australia Call Centre or Virgin Australia App); b) the Virgin Australia flight is eligible to earn Status Credits; c)  your Velocity membership number was provided against the booking at the time of purchase or before your date of travel; d) at the time of booking, purchasing and taking the flight, your credit card account must be open and in good standing (for example – your account is not in default, suspended or closed). The amount of Bonus Status Credits is capped at 100 Bonus Status Credits each credit card anniversary year. Status Credit earn is subject to the fare type and distance travelled. We will allocate Bonus Status Credits within 2 months of the allocation of your base Status Credits to your Velocity Program account. See Virgin Australia Velocity High Flyer Card Bonus Status Credits Benefit Terms & Conditions for full details and definitions.

Virgin Australia Velocity Flyer Card:

29. Virgin Australia Velocity Flyer Card 60,000 bonus Velocity Points offer Up to 60,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 2 September 2024. 30,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on eligible purchases for first 2 months from card approval (spend period). Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through  this page . Points will be credited to the Primary Cardholder's Velocity account up to 60 days after the qualifying purchases.  Velocity membership Terms and Conditions apply . This offer can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

30. Earn Rates   Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar Standard Velocity Point earn rate on the Virgin Australia Velocity High Flyer Card is 1 Point per dollar spent on Eligible Transactions on your first $8,000 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar spent on Eligible Transactions on your first $1,500 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See  Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions  for full details and definition.

31. Accelerated Earn Rate   The Accelerated Velocity Points Earn Benefit is a Special Feature available to Primary Cardholders only. Earn an additional 1 Velocity Point with your Virgin Australia Velocity Flyer Card, or 2 Velocity Points with your Virgin Australia Velocity High Flyer Card per $1 spent on eligible Virgin Australia Purchases. Virgin Australia Purchase means the purchase of a Virgin Australia flight, product or service via the Virgin Australia website at virginaustralia.com, Virgin Australia App or via the Virgin Australia Contact Centre using your Virgin Australia Velocity Flyer or High Flyer Credit Card. Your Account must be in good standing (for example – your account is not in default, suspended or closed) at the time of the Virgin Australia Purchase. To receive Velocity Points you must supply your Velocity membership Account Information. See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definitions.

32. $129 Virgin Australia Gift Voucher   The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at  https://virginmoney.com.au/products/credit-card/gift-voucher , your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See  Virgin Australia Gift Voucher Benefit Terms & Conditions  and  Terms of use  for full details.

33. Annual Fee    The annual card fee is $74 for the first year, then $149 will be charged on the anniversary of your card account being opened with Virgin Money.

NAB Rewards Signature Credit Card with Velocity Points:

34. Offer commences 12 June 2024. Receive up to 90,000 Velocity Points (automatically redeemed from 180,000 NAB Rewards bonus points) by being a Velocity Frequent Flyer member, advising us of your membership number, applying whilst the offer is open, are approved for a NAB Rewards Signature Card, spend $3,000 on everyday purchases within the first 60 days and keep your card open for 12 months. The offer provides a tiered bonus point system of NAB Reward points that are automatically redeemed to Velocity Points - receive 130,000 NAB Reward points after meeting the initial spend criteria (awarded within three months of meeting the spend criteria, which will automatically be redeemed for 65,000 Velocity Points within 10 days thereafter) and an additional 50,000 NAB Reward points after 12 months (awarded within the 13th month, which will automatically be redeemed for 25,000 Velocity points within 10 days thereafter). The name of the cardholder must match the name on the Velocity membership. Offer limited to one total allocation of 180,000 NAB Rewards Bonus Points per Velocity membership account. NAB may vary or end this offer at any time.  

You must be a Velocity Frequent Flyer member and provide your Velocity membership number to NAB to enrol in Auto Redemption. You’ll receive an email from NAB after your application has been approved with information on how to provide your Velocity membership number to NAB. Redemption of Velocity Points and the Velocity membership is subject to the Velocity membership Terms and Conditions .  

Everyday purchases exclude transactions NAB decides are ineligible, including BPAY, gambling transactions and cash advances, more details can be found  here . Each week the NAB Rewards Points that you've earned will be transferred to Velocity Points with 2 NAB Rewards Points = 1 Velocity Point, provided your Velocity Frequently Flyer membership is linked to your account. Your NAB Rewards Signature Credit Card must remain open and in good standing, and you must be enrolled in Auto Redemption to receive the Velocity Points.  

This offer isn’t available to existing customers who received NAB Rewards Bonus Points in the last 18 months for a new personal NAB Rewards credit card, or when closing or transferring from another NAB branded credit card account, or in conjunction with other NAB credit card offers.  

Discover more details on our reward website . 

35. The monthly fee will be charged on the last day of your statement period each month. If you spend $5,000 or more in a statement period, your monthly fee for that statement period will be reversed. Spend includes all purchases and cash advances less any refunds or cash advance reversals. Some pending transactions may take up to 10 business days to process to your account and only transactions that are processed in that statement period will count towards the spend requirement.  

36. To be eligible to receive 10,000 bonus Velocity Points, you must (a) be a Velocity Frequent Flyer member, (b) apply for the NAB Rewards Signature credit card between 12.01am (AEST) 12 June 2023 and 11:59pm (AEST) 15 July 2024, and (c) be approved and meet the minimum spend criteria for the eligible offer associated with the individual card if the application is successful. The 10,000 bonus Points will be allocated to your Velocity account in accordance with, and subject to the Velocity membership Terms and Conditions 10-12 weeks after you meet the minimum spend criteria for the eligible offer associated with the individual card. This bonus Points offer cannot be used in conjunction with other bonus Points offers provided by Velocity Frequent Flyer in respect of Credit Cards. Only one bonus Point offer can be earned on a single credit card; if multiple offers are activated, the highest bonus Point offer will be applied.

NAB Rewards Platinum Credit Card with Velocity Points:

37. NAB Rewards Platinum Offer : Offer commences on 16 February 2024 and ends 31 October 2024. To be eligible for the up to 80,000 bonus Velocity Points offer (converted from 160,000 NAB Rewards bonus Points), you must be a Velocity Frequent Flyer member, apply for a new personal NAB Rewards Platinum Credit Card before the offer is withdrawn, have your application approved, provide your Velocity membership number to NAB to enrol in Auto Redemption, spend $1,000 on everyday purchases using your new card within 60 days of opening account and keep your card for over 12 months. You’ll receive an email from NAB after your application has been approved with information on how to provide your Velocity membership number to NAB. Redemption of Velocity Points and the Velocity membership is subject to the Velocity membership Terms and Conditions .

Points will be awarded on a tiered basis – You will be eligible to receive 120,000 NAB Rewards bonus Points when you spend $1,000 on everyday purchases in the first 60 days of opening your account (credited to your NAB Rewards Points balance within 3 months of meeting the spend criteria, and will be automatically redeemed for 60,000 Velocity Points within 10 days thereafter) and 40,000 NAB Rewards bonus Points after you have had your card for over 12 months (credited to your NAB Rewards Points balance within the 13th month and will be automatically redeemed for 20,000 Velocity Points within 10 days thereafter). The name of the cardholder must match the name of the Velocity membership number. Offer limited to one total allocation of 160,000 NAB Rewards bonus Points per Velocity account.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. You must provide your Velocity Frequent Flyer membership number to NAB in order to have your NAB Rewards Points automatically redeemed for Velocity Points. Each week the NAB Rewards Points that you've earned will be transferred to Velocity Points with 2 NAB Rewards Points = 1 Velocity Point, provided your Velocity Frequently Flyer membership is linked to your account.

Your NAB Rewards Platinum Credit Card must remain open and in good standing, and you must be enrolled in Auto Redemption to receive the Velocity Points.

This offer is not available to existing NAB Rewards Signature or NAB Rewards Platinum Credit Card customers or customers who have had a NAB Rewards Signature or NAB Rewards Platinum Credit Card within 18 months prior to applying for a new NAB Rewards Platinum Credit Card. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

38. Reduced First year Annual Card Fee:  A reduced annual card fee of $95 will be charged when the card is opened and applies for the first 12 months. You will be charged the standard $195 annual card fee in the 13th month of your card account.

ANZ Rewards Platinum Credit Card with Velocity Points:

ANZ Rewards Platinum offer Terms and Conditions Offer is for the credit card holder to receive up to 100,000 Velocity Points (70,000 Velocity Points and 30,000 Velocity Points based on card holder activity). Offer is for new credit card applicants who apply for a new ANZ Rewards Platinum Credit Card Account between 12:01am (AEDT) on 15 May 2024 and ends at 11:59pm (AEDT) on 15 November 2024. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. This offer is not available where you currently hold or have held an ANZ Rewards credit card in the last 12 months.  

39. 70,000 bonus Velocity Points : If approved, the card holder must activate the card, turn on Auto-Redemption with Velocity and spend at least $2000 on Eligible Purchases using the new credit card within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.  

“Eligible Purchases” means purchases which are eligible to earn ANZ Rewards Points. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF) .

30,000 bonus Velocity Points : If approved, the card holder must retain the ANZ Rewards Platinum Credit Card Account for at least 15 months, pay the second annual card fee and have Auto Redemption with Velocity on at 15 months from the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.

Claiming Velocity Points : Once the card holder has met the above criteria, ANZ will send the card holder an: (i) Email to the email address listed on the card holder’s ANZ account with a link to a redemption website and the Reward Code to continue with the redemption process; or (ii) SMS to the phone number on the card holder’s  ANZ Rewards membership account with a link to a redemption website and the Reward Code to enable the card holder to continue with the redemption process.

 The redemption website is powered by Digital Glue Pty Ltd ABN 36 127 466 899. It may take up to 90 days from the eligible criteria being met to receive your SMS or email. The card holder must redeem the Reward Code for the eligibility offers before the expiry date listed in the SMS or email, otherwise the card holder will forfeit any entitlement to do so. Once the card holder has completed the redemption process on the redemption website, the Velocity Points will be credited usually within 2 business days.

 If the card holder transfers or cancels their new ANZ Rewards Platinum credit card account before they receive the SMS or email with the Reward Code and a link to the redemption website, the card holder may become ineligible for this offer. ANZ may refuse to fulfil this offer if the credit card is cancelled, suspended, transferred, or the card holder has breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF) prior to the bonus Velocity Points being credited to the card holder’s Velocity account. There may be a delay in the process of receiving and/or approving an application or activating the card.

The card holder must be a Velocity member in order to participate in this Offer. Minimum redemption threshold applies. To redeem Reward Points for Velocity Points, individuals must be both an ANZ Rewards account holder and a Velocity Frequent Flyer member. Upon accruing Rewards Points to the value of the minimum threshold set-up on auto-redemption, allow up to 5 business days for the Velocity Points to be allocated to the membership account. Velocity membership and Velocity Points earned and redeemed are subject to the Velocity membership Terms and Conditions as amended from time to time. Once ANZ Reward Points have been redeemed for Velocity Frequent Flyer Points, they are governed by the Velocity membership Terms and Conditions and cannot be reversed. ANZ holds no responsibility for flight availability, which may be limited, or any other redemption items available at velocityfrequentflyer.com . Flight availability is at the sole discretion of Virgin Australia and airline partners.

1.5 ANZ Reward Points are earned per $1 spent on eligible purchases up to and including $2,000 per statement period and 0.5 ANZ Reward Points are earned per $1 spent on eligible purchases over $2,000 per statement period. ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions . Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions. The redemption of ANZ Reward Points will be administered solely by ANZ Rewards and can take up to 5 business days to transfer into your Velocity account. For ANZ Auto-Redemption, a minimum transfer of 2,000 ANZ Reward Points and then additional multiples of 2 ANZ Reward Points applies. Once ANZ Reward Points have been redeemed for Velocity Points, they are governed by the Velocity membership Terms and Conditions and cannot be reversed.

40. Reduced First year Annual Card Fee: For ANZ Rewards Platinum, a total annual fee of $149 applies which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.

You should consider if this credit card is suitable for you before applying.