hsbc qantas platinum travel insurance

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HSBC Platinum Qantas Credit Card

Go further with Qantas

With an HSBC Platinum Qantas credit card, you'll earn Qantas Points on your eligible purchases and extra perks to use every day and when you travel.

Earn 1.5 Qantas Points per $1 spent on eligible purchases in the first year[@cards-platinum-qantas-points]
Get 0% pa interest on balance transfers for 12 months[@cards-balance-transfer-offer] (2% balance transfer fee applies)[@cards-2-percent-balance-transfer-fee]
Share the benefits with those close to you, with no additional cardholder fees[@additional-cardholder]

Rates and fees

Annual fee $0 in the first year ($299 afterwards)[@cards-platinum-qantas-annual-fee]

Interest-free period on purchases Up to 55 days[@cards-up-to-55-days]

Interest rate for purchases 19.99% p.a.

What do you get with the HSBC Platinum Qantas Credit Card?

Earn Qantas Points

Enjoy extra benefits

Easy to use

Earn and use qantas points.

See the world with Qantas Points.

Earn 1.5 Qantas Points for every $1 spent on eligible purchases up to $120,000 (first 12 months)[@cards-platinum-qantas-points]
Earn 1 Point for every $1 spent up to $120,000 annually thereafter
Earn 1 additional bonus Qantas Point when making purchases via the Qantas website
Use Qantas Points for Classic Flight Rewards starting from 8,000 Qantas Points (plus taxes, fees and carrier charges, subject to availability), flight upgrades and more
Complimentary Qantas Frequent Flyer membership (valued at $99.50)[@credit-cards-qantas-frequent-flyer]

Extra perks

Make the most of life with extra benefits at home and overseas

Get domestic and international travel insurance with rental vehicle excess insurance in Australia, transit accident insurance, extended warranty insurance, and purchase protection insurance[@cards-complimentary-insurance]
Treat yourself today with Visa's outstanding offers and perks on flights, food, fashion, and more
Discover over 4,500 ways to save when you get the HSBC Instant Savings app – learn more [@cards-instant-savings-tnc]
Your gateway to exclusive offers and privileges from our 27,000 selected partners at home and overseas[@cards-home-Away].

Use more, save more, do more

Mobile payments Make fast and secure contactless payments with your phone anywhere that accepts Apple Pay or Google Pay – online and at participating retail stores[@cards-mobile-payments].
My Card Controls Use My Card Controls to help keep your spending safe with transaction limits and the ability to lock or unlock your card.

Card fees and features

What you need to know, card tradeoffs.

Compared to the HSBC Low Rate Credit Card, the Platinum Qantas credit card has a:

Higher purchase interest rate
Shorter introductory 0% per year interest balance transfer period
Higher overseas transaction fee

Compare our credit cards

You can find out more about our credit cards and compare them with the HSBC Platinum Qantas credit card - compare our credit cards .

Are you eligible?

To be eligible for an HSBC Platinum Qantas credit card, you must:

Be an Australian citizen, permanent resident, or hold a long-term visa
Earn at least $40,000 a year
Have a good credit rating

You'll need to provide some identification and proof of address, income and employment to apply.

Application documents

Application documents that we accept

We accept the following documents during the application process.

Proof of identity

Australian driver's licence or passport

Proof of residency if you're not an Australian citizen

Passport, Australian visa, and employment contract (all pages) – please provide all 3 documents

Other sources of income

Property rental income – most recent property rental statement
Interest income from investments or dividend income from shares – most recent investment or dividend share statements
Overseas income – 2 most recent overseas income credits for each source of income

Important information about your card

Terms and conditions Terms and conditions Opens in overlay
Key Facts Sheet (PDF, 43KB) Key Facts Sheet (PDF, 43KB) Download

Ready to get started?

New to hsbc.

If you've never banked with us before, you can apply online for an HSBC Platinum Credit Card. We recommend using the latest version of Chrome or Safari to do so. It takes 10 minutes and you'll get an instant response.

Existing HSBC customer

You can apply quickly via online banking or the HSBC Mobile Banking app. It takes 10 minutes and you'll get an instant response.

Other ways to apply

If you'd prefer to apply over the phone or in person, or if you need additional support with your application, please call us on 1300 131 605 (Monday to Friday, 8:00am to 8:00pm AEST) or visit your local branch .

You might also be interested in

Everyday global account , hsbc star alliance credit card , hsbc platinum credit card , important information.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595.

Offer available when you apply for a new HSBC Platinum Qantas credit card. Offer is not available on product transfers or in conjunction with any other offer. HSBC may change or end this offer at any time.

Fees, charges, terms, conditions and HSBC’s lending criteria apply to all credit cards issued by HSBC. Go to www.hsbc.com.au or call 1300 308 880 . Interest rates are valid at the time of publication and are subject to change. See terms and conditions for more information.

This website is designed for use in Australia. The products and services represented within this website are intended for Australian residents.

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

Was this information helpful?

Product details

Eligibility, how to apply, card benefits.

Rates & fees

Your reviews

Ask a question, hsbc platinum qantas credit card.

Offers 1.5 Qantas Points per $1 on eligible spending in the first year, which drops to 1 point per $1 after that.

Up to 1.5 Qantas Point per $1 spent
$0 first-year annual fee ($299 p.a. thereafter)
Complimentary travel insurance and purchase insurance benefits
0% p.a. on balance transfers for the first 12 months
Charges a 2% balance transfer fee
Points cap of 120,000 per year
High 21.99% p.a. interest rate for balance transfers after the introductory period

The HSBC Platinum Qantas Credit Card offers complimentary Qantas Frequent Flyer membership, saving you $99.50 on the usual joining fee if you're not a member yet. It also gives you access to complimentary domestic and international travel insurance and purchase insurance options. If you want to switch to this card, you could also transfer your existing card balance and get a 0% p.a. balance transfer rate for the first 12 months. But there is a 2% balance transfer fee and a higher rate after that.

Eligibility criteria

Minimum income. You must earn at least $40,000 per year to apply.
Residency. You can apply for an HSBC credit card if you are an Australian citizen, permanent resident or temporary resident, provided you hold a current and valid visa.
Eligible balance transfer debt. If you are planning to transfer a balance, you can transfer up to 90% of your available credit limit from Australian-issued, non-HSBC credit cards.
Age. You must be at least 18 years old to apply for a credit card in Australia.
Credit history. You'll need to have at least a "good" credit score. You can check your credit score and get your comprehensive credit report for free through Finder .

Required documents

Personal information. This includes your full name, date of birth, residential address, email address, contact number and identification such as your driver's licence number.
Employment details. You'll need to provide details of your current role and salary, as well as your employer's contact details. You may also need to provide several recent pay slips to verify your income.
Financial information. This includes details of any assets such as property, shares or savings, as well as existing debts. You'll also need to estimate your regular household spending on essentials such as food shopping and gas, electricity, phone and Internet bills.
Balance transfer details. If you are transferring a balance you will need to provide details of those accounts, including the BSB and account numbers, as well as the amount(s) you want to transfer.
Qantas Points per $1 spent. The HSBC Platinum Qantas Credit Card offers 1.5 Qantas Point per $1 on eligible purchases, up to 120,000 points in the first 12 months. After that, you'll earn 1 Qantas Point per $1 on eligible spending up to 120,000 per year.
$0 first-year annual fee. This card offers a waived annual fee in the first year, which goes to $299 per year after that.
Complimentary Qantas Frequent Flyer Membership. You need to be a Qantas Frequent Flyer member to earn Qantas Points with this card. So, if you're not a member yet, HSBC offers Platinum Qantas Credit Card customers the opportunity to sign up via the Qantas website and enjoy complimentary Frequent Flyer membership (valued at ).
Balance transfer offer. The HSBC Qantas Platinum offers a 0% p.a. interest rate on balance transfers for the first 12 months with a 2% balance transfer fee. After the introductory period ends, any remaining balance will attract interest at the cash advance rate, currently 21.99% p.a.
Complimentary travel insurance. This card gives you access to complimentary, comprehensive international travel insurance when you use it for at least $500 of your prepaid travel costs, have a return ticket before you leave and meet the other requirements. It also offers domestic travel insurance when you use your card to pay for eligible interstate return flight, as well as rental vehicle excess insurance in Australia and transit accident insurance cover. As with any insurance, make sure you read the complimentary insurance terms and conditions available on the HSBC website for full details.
Purchase insurance covers. Eligible purchases made with this card are also covered by extended warranty insurance and purchase protection insurance.
HSBC Instant Savings. This card offers a free membership to the Frequent Values program and access over 4,500 offers at participating stores, restaurants, hotels and family attractions across Australia and New Zealand.
Visa benefits. This Visa Platinum card gives you access to exclusive travel, shopping and lifestyle offers available on the Visa Premium website.
Mobile wallets. You can make contactless payments with your eligible smartphone or device by linking your card to Apple Pay or Google Pay .

Rates & fees

Annual fee. Outside of any promotions, this card has a $299 annual fee, which is on par with some other credit cards offering a similar rate of Qantas Points per $1.
Interest rates. The HSBC Platinum Qantas charges a variable 19.99% p.a. interest rate on purchases and 21.99% p.a. on cash advances.
Interest-free days. You can get up to 55 days interest-free on purchases when you pay your account in full (excluding any balance transfer, cash transfer and promotional purchases) each statement period.
Additional cardholder. If you want to share this account with a partner or family member, you can add an additional cardholder to your account for $0. Just keep in mind that you'll be responsible for all repayments and account management, as the primary cardholder.
HSBC Platinum Qantas Credit Card information PDF
HSBC Platinum Qantas Credit Card TMD

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October 29, 2023

I have a HSBC Plat Visa card have only been earning rewards points with them which I now realise is not very beneficial to me.Can you suggest a card where I will earn QF points or other that includes travel insurance

Amy Bradney-George Finder

Hi Judi, You can compare frequent flyer credit cards on Finder that earn Qantas Points, Velocity Points or points you can transfer to other airline programs. Many of these credit cards also offer complimentary travel insurance, but keep in mind that it is more common on platinum or higher-level cards, which often have annual fees around $200-$450 or more. In regards to your current card, you may also want to check your HSBC rewards points balance and consider how you want to redeem them before cancelling the account. Rewards include gift cards, cashback and point transfers to Velocity Frequent Flyer, which means you could still get some value out of the points you have already earned. I hope that helps.

August 20, 2019

Do you earn points when paying ATO?

Charisse Finder

Thanks for reaching out to Finder.

As per HSBC Qantas Rewards T&C, government fees or charges such as registrations, rates, licences, infringements or Australian Taxation Office payments are ineligible transactions so you will not earn points from them.

I hope this helps.

Cheers, Charisse

August 08, 2019

Hi I have just retired, 12th July and I was wondering if I can apply for your HSBC Platinum Qantas Credit Card so I can pay my bills and get the Qantas points. I currently have a St. George Vertigo Platinum I want to replace.

Nikki Angco

August 09, 2019

Hi Michelle,

Thanks for your question.

This card requires a minimum annual income of $40,000. You can read through the eligibility requirements above and if you think you can meet them, feel free to apply. Otherwise, you can view other credit card options for retirees .

As a friendly reminder, check the other relevant eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

Hope this helps!

Best, Nikki

Hope this helps

March 26, 2019

Does this card have no international transaction fees? Thanks!

Jeni Finder

March 27, 2019

Thank you for getting in touch with Finder.

It has a foreign conversion fee of 3% of the transaction value for purchases while $4 or 3.0% of the total transaction amount, whichever is higher, if cash withdrawal. If you’re looking for no foreign transaction fees credit card , you can use our comparison table to help you find the card that suits you. When you are ready, press the ‘Go to site’ button to apply.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

Thank you and have a wonderful day!

Cheers, Jeni

March 05, 2019

What is exactly does eligible purchases mean? Not really sure if I want the card to then find out that a regular payment I need to make in Australia will not be eligible.

Joshua Finder

March 06, 2019

Thanks for getting in touch with Finder. I hope all is well with you. 😃

According to HSBC’s website, eligible purchases exclude “interest-free and other promotions, balance transfers, cash transfer, business expenses, cash advances, fees and charges, disputed transactions, BPAY® and any government fee or charge.”

It would also be a good idea to check the eligibility criteria, features and details of this card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

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

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HSBC Platinum - Qantas Credit Card

The HSBC Platinum - Qantas Credit Card offers 0% p.a. for 12 months on balance transfers. Ongoing benefits include Qantas Points earned on eligible purchases, and complimentary travel insurance.

Updated 3 April 2024

See if there's a better deal in 60 Seconds

The HSBC Platinum - Qantas credit card is HSBC's mid-tier Qantas Frequent Flyer product. Featuring a relatively high points earn rate, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% points earn rates, for an average spend of $5,000 per month. Further, the product has a $299 annual fee, including up to 55 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Earn Qantas Points

1 point per $1 spent

120,000 annual points cap

$299 annual account fee

3.00% international transaction fee

Other fees may apply.

19.99% p.a. variable purchase rate

21.99% p.a. variable cash advance rate

Up to 55 interest free days on purchases

Domestic and International Travel Insurances

Rental Vehicle Insurance Excess Cover

Transit Accident Insurance

Extended Warranty Insurance

Guaranteed Pricing Scheme

Purchase Protection Insurance

0% for 12 months on balance transfers, reverts to 21.99% p.a.

$0 annual fee in first year

Before applying for this product, you should read the Target Market Determination (TMD) available here on the HSBC website.

Credit Cards
Best Qantas Points Credit Cards

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

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

Updated: Mar 20, 2024, 9:35pm

With Qantas credit cards, you can earn Qantas frequent flyer points with every transaction in addition to bonus points when you sign up. For those flying with Qantas, or even partner airlines on a regular basis, this may be the ideal type of credit card.

That’s why Forbes Advisor Australia has compared Qantas’ Frequent Flyer credit cards, to help decipher some of the leading choices for Australians and to highlight the key features of each. In this list we have focused solely on credit cards that earn directly into Qantas’ frequent flyer program. You can read about our favourite frequent flyer cards, including Virgin Velocity credit cards , in our guide .

Our Pick Of The Best Qantas Points Credit Cards 2024

Qantas American Express Ultimate Card

Qantas Premier Platinum Master Card

NAB Qantas Rewards Signature
ANZ Frequent Flyer Platinum Card

ANZ Frequent Flyer Black Credit Card

Westpac Altitude Qantas Black
Qantas American Express Premium
Qantas American Express Discovery Card

NAB Qantas Rewards Premium

Our methodology, what is qantas frequent flyer, what credit cards give you qantas frequent flyer points, do any qantas credit cards have no annual fee, are qantas point credit cards worth it, frequently asked questions (faqs).

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It’s worth noting that while the Qantas Titanium Credit Card offers numerous benefits to cardholders, it did not make our list due to its exorbitant annual fee of $1,200 which would be prohibitively expensive for most consumers. There are better-value cards on the market offering a range of perks for a lower annual fee.

We also excluded the American Express Qantas Business Rewards Card, despite being one of Qantas’ strongest cards and a high-ranker in our list, as it is designed for businesses not individuals.

Additionally, a handful of cards—the David Jones American Express Card, the American Express David Jones Platinum, and the Woolworths Qantas Platinum Credit Card—were excluded from our analysis as they are not currently accepting new applicants.

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Bonus Points

100,000 bonus Qantas points when you apply online by April 2, 2024

Conditions apply

Points to Spend Ratio

1.25 Qantas points per $1 on everyday purchases

The Qantas American Express Ultimate Card is our top ranking credit card for those looking to earn Qantas points and accrue decent points and rewards.

Frequent flyers can earn 2.25 Qantas points on eligible Qantas transactions per $1 spent, and 1.25 Qantas points on every day purchases. Additionally, there is no limit to how many points an individual can earn within a single year.

Along with points earning, cardholders will also receive a $450 travel credit (offsetting the $450 annual fee), access to airport lounges, and complimentary travel insurance.

The Qantas American Express Ultimate Card does have a higher interest rate than usual, at 23.99%, with a lower interest-free period of 44 days. There is no minimum income required in order to be eligible for the card.

Complimentary travel insurance
Uncapped points earning potential
Additional perks
High annual fee
High interest rate

60,000 bonus Qantas points, plus additional 20,000 bonus points if you haven’t earned Qantas points with a credit card in the last 12 months.

$399 per year. Reduced to $349 for the first year; offer until May 1, 2024.

1 Qantas points point per $1 up to AU$10,000 per statement period; then 0.5 points per $1 spent thereafter

The Qantas Premier Platinum Master Card offers 1.5 frequent flyer points per $1 spent on international spend, which is higher than the common 1:1 points earning ratio. Domestically, you can earn 1 point per $1, up to $10,000 per statement period, then 0.5 points per dollar thereafter.

There are a range of travel perks included with the card, such as complimentary domestic and international travel insurance, discounted companion fares, lounge access and more.

Unfortunately, despite the wide range of perks, there is no travel credit offered to offset the high annual fee. Instead, Qantas is offering a discounted annual fee of $349 for the first year, with the offer valid until May 1, 2024.

The Qantas Premier Platinum Master Card has a 19.99% interest rate on purchases, with 55 days’ interest free, and a $6,000 minimum credit limit. To be eligible for the card, you must have a minimum income of $35,000 per annum.

Uncapped points earning
Discounted companion fares and other travel perks
No travel credit

90,000 bonus points on sign-up; 30,000 bonus points after 12 months

$295 for first year; $395 after the first year

1 Qantas Points per $1 up to $5,000 on everyday purchases; 0.5 Qantas points per $1 from $5,001 to $20,000

While the NAB Qantas Rewards Signature card has a very impressive bonus points offer of 90,000 when you spend $3,000 within the first 60 days and an additional 30,000 bonus points when you keep your card for over a year, unfortunately the points earning is capped at $20,000 per statement period.

Additionally, the travel perks are slimmer than others on the market, with no travel credit and no lounge access. However, the NAB Qantas Rewards Signature card does give cardholders a free Qantas Frequent Flyer membership, valued at $99.50. It also has a lower annual fee of $295 for the first year, and then $395 for each year after that.

There is complimentary insurance available for card holders, including travel insurance, rental vehicle excess in Australia, purchase protection insurance and extended warranty insurance.

Finally, there is no minimum income required in order to apply for the NAB Qantas Rewards Signature credit card, however there is a very high minimum credit limit of $15,000. It has a 19.99% interest rate with up to 44 days’ interest free.

Generous bonus points offer
Travel and other insurance included
Discounted annual fee for first year
Capped points
Limited additional travel perks

75,000 bonus Qantas points and $100 back when you spend $2,500 on eligible purchases in the first three months

0.75 Qantas points for every $1 up to and including $3,000; 0.5 Qantas points for every $1 over $3,000

The ANZ Frequent Flyer Platinum Card offers uncapped points earning potential, however, the points-to-spend ratio is quite low. You can earn 0.75 points for every $1 up to and including $3,000 on everyday items, but then only 0.5 points for every $1 over $3,000.

There are no travel credit or lounge access, but with a lower annual fee than most ($295 per year) these may be perks consumers are willing to give up. Plus, if you’re not already a Qantas Frequent Flyer member, you’ll receive a complimentary membership valued at $99.50 with your card.

Additionally, there are impressive complimentary insurance offerings: both international and domestic travel insurance, rental vehicle excess in Australia, extended warranty insurance, and purchase protection insurance.

The interest rate on the ANZ Frequent Flyer Platinum Card is 20.49% with 55 days’ interest free. No minimum income is required for the card, and the minimum credit limit is $6,000.

Uncapped points
Fair annual fee
No lounge access

100,000 bonus Qantas Points and $250 back to your new card when you spend $5,000 in the first three months. Plus an additional 30,000 bonus Qantas Points after 12 months

1 Qantas points for every $1 up to and including $7,500; 0.5 Qantas points for every $1 over $7,500

With an impressive bonus points offer of 100,000 on sign-up, the ANZ Frequent Flyer Black Credit Card easily made our list. New cardholders also receive $250 back when spending $5,000 in the first three months, plus an additional 30,000 bonus Qantas points if the card is kept for over 12 months.

However, it does have a high annual fee of $425 with no discounts available, and cardholders can only earn 1 Qantas point per $1 up to and including $7,500 each statement period. After this limit, cardholders will only earn 0.5 Qantas points.

ANZ offers cardholders a complimentary Qantas Frequent Flyer membership if you are not already a member (valued at $99.50), plus there is complimentary lounge access and both domestic and international travel insurance. Unfortunately, there is no travel credit available with the card.

The ANZ Frequent Flyer Black Credit Card has an interest rate of 20.49% and 55 days’ interest free. While there is no minimum income required to be eligible for the card, there is a very high minimum credit limit of $15,000.

High bonus points offer
Complimentary Qantas membership
Multiple types of insurance included
$15,000 minimum credit limit

90,000 bonus points when you spend $6,000 or more on eligible purchases within 120 days; an additional 30,000 bonus points after 12 months

$295, plus a $75 Altitude Qantas Rewards Program annual fee

0.75 Qantas points per $1 spent, up to $250,000 each year

Westpac’s top offering for a Qantas points credit card according to Forbes Advisor Australia is its Westpac Altitude Qantas Black, which costs $295 a year plus an additional $75 for the Altitude Qantas Rewards Program annually (totalling an annual fee of $370).

Cardholders can earn 0.75 Qantas points per $1 spent, up to a limit of $250,000 per year. After this limit is reached, no points will be earned.

While the Westpac Altitude Qantas Black does not offer its cardholders a travel credit, you will receive two complimentary Qantas Club airport lounge passes each year. International travel insurance is also complimentary for up to six months of travel.

In terms of interest, the rate is 19.99% with a 45-day interest-free period. The minimum income requirement is quite high, at $75,000, as is the minimum credit limit of $15,000.

Lounge access
High minimum credit limit

20,000 bonus Qantas points when you spend $3,000 on eligible purchases within the first three months

1 Qantas point per $1 spent

The Qantas American Express Premium card costs a lower-than-average $249 per year, and offers cardholders 20,000 bonus points when $3,000 is spent on eligible purchases within the first three months of owning the card. There is also uncapped earning potential, meaning cardholders can earn as many points as they wish.

While there is no travel credit offered, Qantas American Express Premium cardholders can receive two complimentary Qantas Club Lounge invitations each year following their first card spend on selected Qantas products and services in Australia.

Additionally, cardholders receive complimentary domestic and international travel insurance, as well as a range of other insurances: card purchase cover, card refund cover, fraud protection guarantee, and emergency card replacement.

The interest rate of the Qantas American Express Premium is 23.99% with 44 days’ interest-free. There is no minimum income required to be eligible for the card, and only a $2,000 minimum credit limit.

Low bonus points offer

No bonus points

0.75 Qantas points per $1 spent

A more bare-bones Qantas Points credit card than the others, the Qantas American Express Discovery Card does not offer any bonus points upon signing up or keeping your card for over 12 months as many others do. Instead, the card has no annual fee, making it a cost-efficient way for budget travellers to earn points.

The points-earning ratio is 0.75 Qantas points per $1 spent, with an additional 1 Qantas point per $1 spend on selected Qantas products and services. There is also uncapped earning potential, meaning cardholders can earn as many points as they like during a statement period.

As it is a no-frills card, there are also very few extras: there’s no travel credit, no complimentary travel insurance and no lounge access.

The Qantas American Express Discovery Card has no minimum income requirement, and a low minimum credit limit of only $2,000. The interest rate is 23.99% and the interest free period is 44 days.

No annual fee
No minimum income requirement
No additional perks

60,000 bonus points when you spend $2,000 on purchases within the first 60 days; 10,000 bonus points after 12 months

$150 for the first year; $250 ongoing

1 Qantas Point per $1.50 for the first $3000 on everyday purchases 1 Qantas Point per $3 for the next $3000 ($3001 – $6000)

The NAB Qantas Rewards Premium has a generous introductory bonus points offer, gifting cardholders 60,000 bonus points when they spend $2,000 within the first 60 days of opening their account. Plus, if you keep your card for over 12 months, you’ll receive an additional 10,000 bonus points.

In terms of points-to-spend ratio, cardholders can earn 1 Qantas point per $1.50 up to $3,000 per statement period, and 1 Qantas point per $3 spent from $3,001 to $6,000. The NAB Qantas Reward Premium card is capped at $6,000 per statement period.

While there is no complimentary travel credit or lounge access offered, there is a range of insurances: domestic travel insurance, domestic travel insurance, rental vehicle excess in Australia, purchase protection insurance and extended warranty insurance. Additionally, cardholders receive a free frequent flyer membership valued at $99.50.

The interest rate on the NAB Qantas Rewards Premium card is 19.99% with a 44-day interest-free period. There is no minimum income required to be eligible for the card, and the minimum credit limit is $,6000.

Complimentary insurances
Free Qantas Frequent Flyer membership
No travel perks

To determine our top picks, Forbes Advisor Australia conducted a thorough analysis of all Qantas Points Credit Cards for individuals on the market. From the 26 cards on offer to Australians, our top nine were chosen after analysing 16 features of each card.

The factors that were considered and compared were:

Whether the card was available to individuals or businesses;
If there was a bonus points offer and if so, how much;
What the points-to-spend ratio was;
The annual fee;
The currency conversion fee of the card;
The rewards points cap per statement period, if there is one;
If there are any travel benefits, such as a travel credit or free flights;
Whether there was complimentary lounge access;
If complimentary travel insurance–or any other type of insurances–are offered;
Any additional perks, such as wine club memberships or hotel upgrades;
The interest rate on the card;
How long the interest-free period is for;
If there is a minimum annual income requirement;
The minimum credit limit for the card; and
Whether or not additional card holders can be added.

About Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

Qantas Frequent Flyer is the airline’s dedicated points program, which allows flyers to earn Qantas points when travelling with Qantas or partner airlines.

Qantas Frequent Flyer members can earn points by purchasing and travelling on Qantas flights, or shopping at the Qantas store online.

They can also earn points via a rewards credit card, on every dollar spent on everyday items—not just transactions associated with Qantas. These points can then be redeemed for various items, such as flight upgrades, flight tickets, gift cards and more.

Related: How Much Are Qantas Points Worth For Australians?

There are many credit cards on the market that Australians can use to earn Qantas Frequent Flyer points: it is not limited to the cards that we have selected above. These are simply Forbes Advisor Australia’s top picks after comparing all of the cards on the market.

The full list of cards in which Australians can earn Qantas points with is as follows, in alphabetical order:

American Express David Jones Platinum*
American Express Qantas Business Rewards Card
ANZ Frequent Flyer Black credit card
Bank Australia Qantas Platinum Rewards Visa card
Bankwest Qantas Platinum Mastercard
Bankwest Qantas World Mastercard
BOQ Qantas Signature Card
BOQ Qantas Signature Platinum
David Jones American Express Card*
HSBC Platinum Qantas Card
NAB Qantas Business Signature
Nab Qantas Rewards Premium
Qantas Premier Everyday Credit Card
Qantas Premier Everyday Card
Qantas Premier Platinum Mastercard
Qantas Premier Titanium Credit Card
Qudos Bank Platinum Visa
Westpac Altitude Qantas Platinum
Woolworths Qantas Platinum Credit Card*

*As noted earlier, the David Jones American Express Card, the American Express David Jones Platinum, and the Woolworths Qantas Platinum Credit Card are not currently accepting new applications.

It is uncommon for frequent flyer credit cards to offer no annual fee, due to the many perks that they provide consumers—such as flight credits, complimentary travel insurance, introductory bonus points and more. These after all come at a cost.

In fact, in our analysis of the best frequent flyer credit cards on the market, only two cards offered a $0 annual fee: the American Express Velocity Escape Card, which is connected to the membership rewards program of Virgin Australia, and the Qantas American Express Discovery Car, which has made our top 10 list.

While the Qantas American Express Discovery Card doesn’t offer any bonus points on sign-up, the no annual fee makes it a cost-effective way for budget-conscious travellers to earn points, hence why it made our list.

Related: Qantas Frequent Flyer Program Explained

According to Steve Hui, founder of IFLYFLAT, Qantas Point credit cards can be worth it for Australian frequent flyers: if used correctly.

“Qantas points are the easiest to earn within Australia since they have lots of partners, so the benefits of having a Qantas credit card allows the user to easily double-dip on points,” Hui explains. This is because you can earn points when paying for anything with a Qantas credit card, and then earn Qantas points again if transactions are with a Qantas retail partner.

Additional benefits that Hui highlights are the easy-to-understand points-to-spend ratio, the fact that points are directly deposited into your Qantas Frequent Flyer account, and that some Qantas cards allow you to earn extra bonus points when you pay for Qantas services, such as flights, hotel and wine.

“You can use Qantas points to redeem for a number of things,” Hui says, including, of course, on Qantas flights themselves.

Card holders can also use Qantas points at one of Qantas’ direct partner airlines, which as Hui notes, includes Emirates and China Airlines, or their oneworld alliance partners, such as British Airways, Cathay Pacific, Qatar and American Airlines.

“You can also use points to redeem for upgrades, lounge passes and the Qantas Club annual membership,” he says.

Hui adds that the best way to use points is to redeem a Qantas classic rewards flight in a business class seat, rather than on items such as gift cards and products from the Qantas store.

Additionally, he says that the major con to getting a credit card is that you can only earn Qantas points. Whereas, if you have a flexible points frequent flyer credit card, you could transfer your accrued points to a range of different airline frequent flyer programs.

Hui also warns consumers to watch out for Qantas credit cards that have monthly point caps or earning tiers, where you can earn 1 Qantas point per $1 spent for the first $10,000 of each statement period, and then 0.5 Qantas points after that limit.

“Other cards may not even issue points after a certain monthly spend or annual spending limit,” Hui says.

Ultimately, whether or not a Qantas Points Credit Card is “worth it” is a personal choice that depends on your flying frequency with Qantas and your ability to pay off the monthly balance in full each month to avoid the steep interest rates attached to rewards cards .

Does American Express have credit cards that earn Qantas points?

Yes, American Express is one of the many banks that offers credit cards in which cardholders can earn bonus points. These cards are:

American Express David Jones Platinum

It is worth noting that the American Express and David Jones partnership is ending, and therefore the American Express David Jones Platinum card is no longer being offered to new applicants.

What is the annual fee for a Qantas Points credit card?

There are numerous Qantas Points credit cards on the market, and the average fee ranges from between $395 and $450.

However, the Qantas American Express Discovery Card offers a $0 annual fee, although consumers have to forego the ability to earn any bonus points on sign-up in exchange for the budget-friendly card.

In contrast, the Qantas Titanium Credit Card offers 150,000 bonus points on sign-up and a wide range of perks to its cardholders, however, it has a much higher than average fee of $1,200 per annum.

How can you compare Qantas Frequent Flyer Credit Cards?

There are many factors to consider when comparing credit cards, no matter what financial institution they are issued by or what reward system they are in partnership with.

In terms of Qantas Frequent Flyer Credit Cards, you will want to consider how many Qantas points you earn per spend, bonus points on sign-up, any travel perks that are included (such as travel credit vouchers, free flights, access to business lounges and complimentary travel insurance), and how much the card costs per year.

Of course, you’ll also want to consider the interest rate, how long the interest-free period is for, whether there is a minimum annual income requirement in order to be eligible for the card, and what the minimum credit limit is.

Is Qantas a good airline?

Qantas is Australia’s national airline, but whether it is considered ‘good’ to the general public is up to discussion. In recent times, Qantas has come under fire by the consumer watchdog (the ACCC) for engaging in ‘false, misleading or deceptive conduct’ when selling seats on flights that did not exist.

It has also been enjoying high profits at the expense of Australians due to cancelled Covid-19 flights and a problematic travel credit system, which caused the airline to face an additional class action lawsuit .

Are Qantas Frequent Flyer cards considered rewards cards?

Yes, Qantas Frequent Flyer Credit Cards are considered rewards cards due to the fact that you can earn rewards (being Qantas points) by being a cardholder.

Is it free to join Qantas' Frequent Flyers program?

When you sign-up for a Qantas Frequent Flyer Credit Card, you will usually also receive a complimentary frequent flyer account should you not already be a member. Otherwise, the standard join fee for the Qantas Frequent Flyer program is $99.50 (including GST).

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 site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

Credit Cards with Free Travel Insurance

One of the most popular extras offered on credit cards these days is complimentary travel insurance, which can cover everything from emergency medical expenses to car rental excess to flight delays.

Bankwest Zero Platinum Mastercard

No annual fee ever plus no foreign transaction fees on online and overseas purchases. Enjoy 0% p.a. on balance transfers for 28 months with 3% balance transfer fee. Complimentary insurances and platinum benefits.

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$1 earn rate

Bonus points

Your points • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

No annual fee for life

For a limited time, enjoy 0% p.a. on balance transfers for 28 months (a 3% balance transfer fee applies). No foreign transaction fees on online and overseas purchases. Complimentary overseas travel insurance and other platinum benefits. Other fees, T&Cs apply.

Pay no annual fee ever and for a limited time, enjoy 0% p.a. on balance transfers for 28 months (a 3% balance transfer fee applies). No foreign transaction fees on online and overseas purchases. Complimentary overseas travel insurance and other platinum benefits. Other fees, T&Cs apply.

Earn rate per $1

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Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 60k when you spend $3,000 within the first 3 months, plus 20k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 80,000 bonus Qantas Points

Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

ANZ Rewards Black Credit Card

180,000 extra anz reward points + $150 back.

Rare platinum features + flexibility: Get 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval (T&Cs apply). Redeem points for flights, merch and more. Save on travel with complimentary international travel insurance and rental vehicle excess in Australia.

Enjoy 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval. T&Cs apply. Complimentary international travel insurance.

American Express Qantas Business Rewards Card

170,000 bonus qantas points.

Spend $6,000 on eligible purchases within 3 months of card approval. Get up to $100 credit (maximum of two credits at a total of $200 each year) when you spend with Dell Technologies. No fee for Employee Cards (up to 99).

Earn 170,000 bonus Qantas Points in the first 3 months, minimum spend applies. Get up to $100 credit (maximum of two credits at a total of $200 each year) when you spend with Dell Technologies. No fee for Employee Cards (up to 99).

American Express Velocity Platinum Credit Card

Receive 100,000 bonus velocity points.

Spend $3,000 within the first 3 months. Earn 1.25 Velocity Points per $1 spent on everyday purchases. Complimentary annual domestic flight, lounge passes, 100 Velocity Frequent Flyer Status Credits.

when you apply online, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. Earn 1.25 Velocity Points per $1 spent on everyday purchases. Complimentary annual domestic flight, lounge passes, 100 Velocity Frequent Flyer Status Credits.

ANZ Platinum Credit Card

$300 back + $0 annual fee first year

Enjoy $300 back when you make $1,500 of eligible purchases within 3 months of approval. $87 annual fee after 1st year. No ongoing annual fee each following year if you meet the minimum annual spend requirement.

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

American Express Velocity Business Charge Card

200,000 bonus Velocity Points + Travel Insurance

Spend $5,000 within the first 2 months of your approval date. Receive complimentary international and domestic travel insurance. T&Cs apply. 2 single entry passes to the Virgin Australia lounges per year. No pre-set spending limit.

200,000 bonus Velocity Points + Complimentary 12-month Velocity Frequent Flyer Gold Membership

Qantas american express premium credit card, 20,000 bonus qantas points.

Min. spend applies. Earn 1 Qantas Points for every $1 spent on everyday purchases and 2 Qantas Club lounge passes per year, domestic & overseas Travel Insurance.

Min. spend applies. Earn 1 Qantas Points per $1 spent on everyday purchases. 2 Qantas Club lounge passes per year, domestic & overseas Travel Insurance covers.

American Express Platinum Edge Credit Card

$0 annual card fee first year.

Pay $0 Annual Card Fee in the first year. $200 Travel Credit every year. Earn up to 3 Rewards points per $1 spent. Transfer points to a choice of 11 airline partner programs. Complimentary Travel Insurance and more.

American Express Explorer Credit Card

50,000 bonus membership rewards points.

Min. spend applies. $400 Travel Credit every year. Earn 2 points for every $1 spent on purchases. Up to $500 Smartphone Screen Cover

50,000 Bonus Membership Rewards Points, minimum spend applies. $400 Travel Credit every year. Up to $500 Smartphone Screen Cover. Earn up to 2 points for every $1 spent

American Express Platinum Business Card

350,000 membership rewards bonus points.

Min. spend applies. Up to 55 cash flow days. Transfer points to 12 Airline programs including Qantas. Complimentary domestic and international Travel Insurance. Up to 99 Employee Card Members at no cost.

Minimum spend applies. Up to 55 cash flow days. Transfer points to 12 Airline programs including Qantas. Complimentary domestic and international Travel Insurance. Up to 99 Employee Card Members at no cost.

Westpac Altitude Black Credit Card

Up to 150,000 bonus Altitude points

Min spend and offer T&Cs apply. Reduced annual fee in the first year. Complimentary insurance covers plus, 2 lounge passes each year with Priority Pass.

Up to 150,000 bonus Altitude points - get 100k points when you spend $6,000 within the first 120 days in year 1 plus 50k points after first eligible purchase in year 2. Complimentary overseas travel insurance. T&Cs apply.

American Express Platinum Charge Card

150,000 Bonus Membership Rewards Points

Minimum spend applies. New American Express Card Members only. Enjoy $450 Platinum Travel Credit each year. Access to over 1,400 airport lounges.

Receive 150,000 Bonus Membership Rewards Points, minimum spend applies. New American Express Card Members only. Enjoy $450 Platinum Travel Credit each year. Access to over 1,400 airport lounges.

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What is complimentary credit card insurance?

Credit card travel insurance is an added feature on many premium and rewards credit cards. It offers free travel cover overseas or domestically (or both), which helps you save money when you travel.

Credit card travel insurance covers the cardholder and often additional cardholders, spouses and dependents as well. You'll usually need to pay for your travel on the card to activate the insurance, so it's important to read the PDS to make sure you're covered for your trip.

Let's look at how credit card travel insurance works.

Is credit card insurance really ‘complimentary’?

Technically, yes, the insurance is free. However, these kinds of extras are usually found on credit cards with higher annual fees or higher interest rates.

You might also need to spend a certain amount on your travel for the insurance to activate. For instance, it's typical to need to spend at least $500 on your card on flights, car hire or accommodation.

If you meet all the eligibility criteria, travel insurance is a great perk that can save you money every time you travel.

Should you choose a credit card simply for the insurance offered?

If you're a frequent traveller then complimentary travel insurance can help offset costs on your trips. Since travel insurance is usually found on cards with other travel extras, it could be a good 'package deal' that saves money on insurances, foreign fees, and gives flight discounts or earns rewards points.

It's important to read the terms if you know you're going to be using the complimentary insurance. Make sure you meet the eligibility criteria for age (most insurances don't cover you if you're over 80 years old) and that it covers any family members who travel with you.

Pros and Cons

You may be able to save money, especially if you are a frequent traveller.
The cover offered may be similar to standalone cover.
You can save time comparing standalone cover for each trip you take.
The policy may cover your family if they are travelling with you (as long as you activate the policy correctly).
You may be able to enjoy continuing cover as you get older, whereas standalone cover can charge higher premiums for older travellers.
Your policy may offer cover for a range of international destinations, whereas the cost for standalone cover may vary according to where you travel.
As credit card travel insurance is considered a premium feature, you may pay higher annual fees and interest.
Activation of travel insurance varies by card. You may have to spend a certain amount or pay for your entire trip using your card for the insurance to activate.
Cover varies. Your policy may offer cover overseas only, or within Australia only.
If you don’t travel that often, you may not get that much value from the insurance offered. You might find you're paying more in annual fees and interest and not getting the returns from perks like insurance.
Certain exclusions and an excess may apply.
The cover offered may not be as extensive as standalone travel insurance, in terms of the length on trip covered, the limits offered, or the activities covered.

🗨 Frequently Asked Questions

What should you be aware of when comparing credit card insurance.

Double-check these factors before applying for a card, especially if you're expecting to use the travel insurance for a trip.

Activation and eligibility: Cover is activated in different ways. Some require a minimum spend on the card, some need a return ticket. Some activate automatically while others need an online request. The PDS will tell you how to make sure you're covered.
Length of travel: Check how long the standard cover goes for. It could be 2 weeks, 30 days or 6 months. Some need a specific request for longer cover.
Excess: Whether excess is payable depends on the card and the cover policy. Think about how much you are willing to pay in excess, and whether the policy still offers value if you have to make a claim.
Terms and conditions: It's tedious, but important that you read the terms and conditions in full. Do this before you rely on the cover – not after you want to make a claim.

Which credit cards offer complimentary credit card insurance?

There's a wide range of credit cards that offer travel insurance, including low-cost cards. It's more common to find it as a perk on premium cards, specifically ones that focus on travel. That includes frequent flyer cards, rewards cards and platinum cards.

How do you make a claim on your credit card insurance?

Credit card travel insurance is backed by an underwriter, not the credit card provider. For instance, Allianz is the underwriter for NAB and Westpac insurance cover.

You'll find details on making a claim in the credit card insurance PDS. It's a good idea to know how to make a claim before you travel, just in case.

How do you choose the right credit card with the right travel insurance?

That's a very big question! Firstly, think about what you need from the card, and how you will use it. If you're looking for travel rewards, look for frequent flyer credit cards. Then compare the different features: travel insurance, lounge access, flight vouchers, flight delay cover and rewards points.

Another factor to consider is currency conversion fees and rates, if you plan to use the card while overseas. Some cards waive conversion fees altogether.

Is credit card travel insurance the same as regular insurance?

We get asked this one a lot. Travel insurance on a credit card is underwritten by the same insurers that you would take out a standalone policy with (for example, Allianz, Zurich or Chubb Insurance). So, there isn't a whole lot of difference.

You'll likely be covered for the same medical, emergency, transport and death cover that a standalone policy would. Just remember that some high-risk activities aren't covered by any insurers, such as skiing. You'll need add-on cover for that.

If you're comparing credit card insurance to standalone insurance, just make sure to consider:

Who is covered: credit card insurance usually covers you, additional cardholders and family members.
What is covered: credit card insurance sometimes covers rental vehicle excess, flight delays, lost baggage and trip cancellations as well.
Limitations and exclusions: credit card insurance can be more inclusive of seniors, with some cards offering optional extras for those over 79. It also rarely comes with extra costs for travelling to certain destinations, unlike standalone insurance.

Always check the PDS to make sure you're fully covered and your insurance is activated before you travel. I know I've repeated that over and over again, but it's really important with insurance cover.

Credit cards with included COVID-19 cover

These banks have released updates to include limited cover for pandemics and epidemics. Click to see the details of cover for each brand:

American Express
Latitude 28° Global Platinum Mastercard (limited time offer)

Bendigo Bank

Bank of melbourne, qantas money.

Until early this year, no credit card travel insurance covered events caused by COVID-19, meaning you had to cross your fingers and hope borders stayed open and you stayed well.

Now, most major credit card providers have jumped on the COVID-19 bandwagon, which is great to see since it gives a little more peace of mind around travelling. We've put together a rundown of each credit card and its coronavirus policy, but always check the card's PDS since it can change quickly.

Interestingly, some providers like ANZ and St. George have changed their terms to include all pandemic/epidemic disruptions from now on. Let's hope we don't need that anytime soon.

Remember, terms, conditions and exclusions apply to travel insurance. Check the PDS for more information.

American Express

Domestic return trips:.

you can change, curtail or cancel your return trip if you, your travel buddy or the person you were visiting test positive for coronavirus.
You aren't covered if you need to cancel or reschedule because borders closed or travel advisory warnings are put in place.
If you become unwell with coronavirus while travelling, you can claim under Medical Emergency Expenses cover (not valid while a 'do not travel' warning is in place)

International return trips:

You can be covered if borders close or a travel advisory warning is issued for the country you're visiting.
You won't be covered if Australia issues a 'do not travel' warning.
You won't be covered if the borders at your destination are already closed.

Amex credit cards with complimentary travel insurance including COVID-19 cover:

American Express Platinum Edge
American Express Explorer
American Express Velocity Platinum
Qantas American Express Ultimate
Qantas American Express Premium

Claims related to pandemics/epidemics:

if you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Cancellation, Additional Expenses, Evacuation & Repatriation, and Overseas Emergency Assistance cover.
If you become ill with COVID-19, you may be able to claim Overseas Medical Emergency cover.
If your travel buddy becomes ill with COVID-19, cover is available under Cancellation and Additional Expenses.
There is no mention of coverage if you're prevented from travelling by border closures or travel warnings.
You aren't covered if you travel to a destination with a travel advice warning by the Australian government.

ANZ credit cards with complimentary travel insurance including COVID-19 cover:

ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Black
ANZ Rewards Platinum
ANZ Rewards Travel Adventures Card
ANZ Rewards Black
If you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
You aren't covered if you don't follow advice or warnings when travelling to a destination; for example, a 'Reconsider your need to travel' or 'Do not travel' alert from the Australian government, or published by a reliable media source.
NAB's travel insurance policy specifically states there are no other pandemic or epidemic-related circumstances covered, which likely includes border closures or other travel restrictions.

NAB credit cards with complimentary travel insurance including COVID-19 cover:

NAB Low Fee Platinum
NAB Qantas Rewards Signature
NAB Rewards Signature
NAB Qantas Rewards Premium
NAB Rewards Platinum

Latitude 28° Global Platinum Mastercard

Claims related to covid-19:.

Cover applies to you and your 'family', which includes you, your spouse and up to 3 eligible children
You can claim up to $700,000 per person in medical costs if you need treatment for COVID-19 during an overseas covered trip
You may be covered for travel and accommodation deposits if you contract COVID-19 on a covered trip and a doctor certifies you're unfit to travel
If you have to quarantine just before departure because you've tested positive to COVID-19, you may be covered for administrative costs (but not any other additional costs related to your quarantine)
You're not covered for any additional costs such as accommodation or flights because of borders closures or travel disruptions
If you or any dependents covered by the travel insurance test positive to COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Cancellation, Additional Expenses, Evacuation & Repatriation, and Overseas Emergency Assistance cover.
If you become ill with COVID-19, you may be able to claim Overseas Emergency Medical cover.
You aren't covered if you travel to a destination with a travel advice warning by the Australian government, even if you have an exemption or permission from the Australian government to travel

Bendigo Bank credit cards with complimentary travel insurance including pandemic cover:

Bendigo Platinum Rewards
Bendigo Bank Qantas Platinum

St. George

If you or any dependents covered by the travel insurance test positive for COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
If you or your companion become so sick with COVID-19 that can't continue travelling, you may be reimbursed for additional accommodation and travel expenses.

St. George credit cards with complimentary travel insurance including pandemic and epidemic cover:

St. George Amplify Platinum
St. George Amplify Platinum - Qantas
St. George Amplify Signature
St. George Amplify Signature - Qantas

Westpac

Westpac credit cards with complimentary travel insurance including pandemic and epidemic cover:.

Westpac Altitude Black
Westpac Altitude Black - Qantas
Westpac Altitude Platinum Black
Westpac Altitude Platinum - Qantas
Westpac Business Choice Rewards Platinum Mastercard
Westpac Altitude Business Platinum
Westpac Altitude Business Gold Mastercard
If your travel buddy becomes ill with COVID-19, cover may be available under Cancellation and Additional Expenses.
If you or your companion become so sick with COVID-19 that you can't continue travelling, you may be reimbursed for additional accommodation and travel expenses.

Bank of Melbourne credit cards with complimentary travel insurance including pandemic and epidemic cover:

Bank of Melbourne Amplify Platinum
Bank of Melbourne Amplify Platinum - Qantas
Bank of Melbourne Amplify Signature
Bank of Melbourne Amplify Signature - Qantas
Bank of Melbourne Amplify Business

BankSA credit cards with complimentary travel insurance including pandemic and epidemic cover:

BankSA Amplify Platinum
BankSA Amplify Platinum - Qantas
BankSA Amplify Signature
BankSA Amplify Signature - Qantas

Claims related to pandemic/epidemic cover:

If you test positive for Covid-19 you may be able to access Overseas Medical Emergency and Hospital Expenses cover.
You aren't covered if you don't take appropriate action to avoid countries with a 'do not travel' warning advised by the Australian government or mass media.
You will not be covered for flight cancellations, accommodation or any other travel expenses.
You will not be covered for anything Covid-related on a cruise.

Bankwest credit cards with complimentary travel insurance including COVID-19 cover:

Bankwest Breeze Platinum Credit Card
Bankwest Zero Platinum Credit Card
Bankwest More World Mastercard
Bankwest Qantas Gold Credit Card
Bankwest Qantas Platinum Credit Card
Bankwest More Platinum Credit Card
If you test positive for COVID-19, or any illness recognised as a pandemic/epidemic, you may be able to claim the Overseas Emergency Assistance, Overseas Emergency Medical, Medical Evacuation & Repatriation, Cancellation, and Additional Expenses cover.
You aren't covered if borders close during your trip.

HSBC credit cards with complimentary travel insurance including COVID-19 cover:

HSBC Platinum Card - 0% Balance Transfer Offer
HSBC Premier Credit Card
HSBC Platinum Qantas Credit Card
HSBC Credit Card
You aren't covered if you don't take appropriate action to avoid countries with a 'do not travel' warning advised by the Smart Traveller website (excluding Australia and New Zealand).
You may be covered for costs incurred from having to cancel, curtail or change your trip because you or your travel buddy contract COVID-19.
You may be covered for overseas medical emergency expenses on your overseas return trip and transportation of remains if you die from COVID-19 while travelling (it must be confirmed and diagnosed on your trip).
Besides Trip Cancellation and Amendment Cover and Overseas Medical Emergency Expenses cover, you won't be covered for anything else caused by COVID-19 or any of its variants.
You may be covered for overseas medical emergency expenses on your overseas return trip and transportation of remains if you die from COVID-19 while travelling (it must be confirmed or diagnosed on your trip).

Other credit cards with complimentary travel insurance

Almost all banks and insurance companies have updated their insurance terms to include COVID-19 since 2020. You can find and compare credit cards with free travel insurance here , but always check the terms and conditions to see what you're covered for.

Tips for using complimentary travel insurance

First, always read the PDS carefully. I know, it's like a broken record, but insurances come with a lot of 'but's and 'only if's that could leave you high and dry - and out of pocket - if things go awry. Clauses regarding COVID-19 are still new, so make sure you understand what you're covered for.

Second, make sure you activate your credit card's travel insurance. You'll usually be able to check that it's active via the card's website or by calling customer service.

💡 TIP: Accommodations, airlines and tour operators may have their own COVID-19 policies that are worth checking before you book, too.

Pauline Hatch is a personal finance expert at Creditcard.com.au with 8 years of finance writing under her belt. She loves turning complex money concepts into simple, practical actions so you can win financially. You can ask Pauline any questions by submitting a comment below and get a personal reply.

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John cunningham.

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

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ABN: 76 646 638 146
ACR: 528318
AFCA: 80717

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My monthly card spend $5000

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Airport lounge access
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Review: HSBC Platinum Qantas Visa
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Travel insurance
HSBC Platinum Qantas Credit Card
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COMMENTS

HSBC Platinum Qantas Credit Card
With an HSBC Platinum Qantas credit card, you'll earn Qantas Points on your eligible purchases and extra perks to use every day and when you travel. Earn 1.5 Qantas Points per $1 spent on eligible purchases in the first year 1. Footnote link 1. Get 0% pa interest on balance transfers for 12 months 2. Footnote link 2.
HSBC Platinum Credit Card Insurance
Jan 20, 2023. Fact checked. HSBC offers complimentary insurance across its range of credit cards, including domestic and international travel insurance on HSBC Platinum and World Mastercard credit ...
HSBC Platinum Qantas Credit Card
The HSBC Platinum Qantas Credit Card has 20,000 Qantas Points on offer for new cardholders who spend $3,000 or more on eligible purchases within the first 90 days from card approval. Earns 1 Qantas Point per $ spent, up to 1,000 points per month and comes with travel and purchase insurances for a $99 p.a. ongoing annual fee.
What travel insurance cover is included with my card?
Get peace of mind - with complimentary travel insurance for yourself, your spouse and your dependents travelling with you, when you book using your card or using Qantas Points earned on your card. You'll get medical emergency expenses cover up to $1,000,000, travel cancellation cover up to $20,000 and much more. Qantas Premier Titanium ...
HSBC Platinum Qantas Credit Card Review
This frequent flyer credit card from HSBC offers two of the most popular perks available: Qantas Points and travel insurance. It also offers a high earn rate of 1.5 Qantas Points per $1 on ...
Review: HSBC Platinum Credit Card
Offering Platinum perks such as airport lounge access and travel insurance against a low $129 annual fee, the HSBC Platinum Credit Card can easily pay for itself in benefits alone. While points transfers to Velocity Frequent Flyer are currently off the cards, using points towards cashback effectively gives a rebate equal to 0.5% on Australian ...
Review: HSBC Platinum Qantas Visa
HSBC's Platinum Qantas Visa is also marginally more competitive on the points front for lower spenders than comparably-priced plastic like the $99/year St.George Amplify Platinum Visa with Qantas Points card, which gives a flat 0.5 Qantas Points per $1 spent. However, St.George does so without the monthly cap of 7,500 Qantas Points as with HSBC.
HSBC Platinum
The HSBC Platinum - Qantas credit card is HSBC's mid-tier Qantas Frequent Flyer product. Featuring a relatively high points earn rate, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% points earn rates, for an average spend of $5,000 per month.
Compare platinum credit cards
HSBC Platinum Qantas Credit Card. 0% p.a. Balance Transfer for 12 months ... Travel insurance credit cards; Business credit cards; What you need to know. You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply.
Our Pick Of The Best Qantas Frequent Flyer Credit Cards
The full list of cards in which Australians can earn Qantas points with is as follows, in alphabetical order: American Express David Jones Platinum*. American Express Qantas Business Rewards Card ...
HSBC Platinum Qantas Credit Card
Globetrotters will appreciate the HSBC Platinum Qantas card as for its travel perks and Qantas points. For a limited time, you can earn bonus points when you spend and save $299 on the first year's annual fee. You'll also get complimentary overseas and domestic travel insurance, free Qantas Frequent Flyer membership and other nifty card extras ...
PDF HSBC Platinum Credit Card Travel Insurance Policy document
Worldwide Travel Insurance. You must also ensure you keep any documentation we may require to support a claim. The Summary gives you brief details of the cover limits provided by your insurance. Full cover details are explained within each of the policy sections of this document. Explaining HSBC's service HSBC Bank plc, 8 Canada Square, London,
PDF Qantas Premier Credit Card Complimentary Travel Insurance Terms and
Qantas Premier Platinum Credit Card & Qantas Premier Everyday Credit Card 1. Overseas travel insurance Maximum 30 day trip duration - All benefits are subject to $500 excess (except Accidental Loss of Life cover) 1A Travel Cancellation Cover Up to $20,000 per Covered Person; up to a maximum of $80,000
HSBC Platinum Qantas reviews
HSBC Platinum Qantas (Frequent Flyer & Travel Credit Card): 2.3 out of 5 stars from 8 genuine reviews on Australia's largest opinion site ProductReview.com.au. ... Complimentary Travel Insurance: and; Sign-Up Bonus Points OfferMinimum Credit Limit: $6,000: Maximum Credit Limit: $60,000: Minimum Income: $40,000:
Hsbc Qantas Platinum credit card travel insurance for award flights
Hsbc Qantas Platinum credit card travel insurance for award flights. Stormy. Mar 31, 2022. travel insurance. Not open for further replies.
Review: HSBC Platinum Qantas Visa
Supply up to sole Qantas Point each dollar spent where Visa is accepted, an extra point on dollar spent the Qantas and support for both Apple Pay press Google Pay, HSBC's Platinium Qantas Tourist credit card positions them as etwas of a backup the a higher-earning AMEX or Diners Club card, without adding much weight in your wallet in varying of per fees. There's also international travel ...
Credit Cards with Free Travel Insurance
60,000 bonus Qantas Points. When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.
Compare HSBC credit cards
Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card. Compare HSBC credit cards that earn Qantas Points. Choose from a range of benefits including complimentary travel insurance and ...
Join
As an HSBC Premier (with Qantas Rewards) or an HSBC Platinum Qantas Credit Card account holder, you are eligible to receive a complimentary Qantas Frequent Flyer membership (saving A$99.50). Complete the following online application and receive your Qantas Frequent Flyer membership number instantly so you can start earning Qantas Points right away.