Showing credit cards based onand annual fee of
$
for a credit score of
Purchase Rate

Purchase Rate

20.74%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$99

Late Payment Fee

$30

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More details
Purchase Rate

Purchase Rate

20.74%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$450

Late Payment Fee

$30

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Purchase Rate

Purchase Rate

20.74%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$249

Late Payment Fee

$30

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More details
Purchase Rate

Purchase Rate

20.74%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$0

Late Payment Fee

$30

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Purchase Rate

Purchase Rate

20.74%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$295

Late Payment Fee

$30

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Purchase Rate

Purchase Rate

18.24%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$189

Late Payment Fee

$15

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Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$79

Late Payment Fee

$15

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Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

Late Payment Fee

$15

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More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$279

Late Payment Fee

$15

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More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$79

Late Payment Fee

$15

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More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

Late Payment Fee

$15

Go to site
More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$279

Late Payment Fee

$15

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More details
Purchase Rate

Purchase Rate

20.49%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$270

Late Payment Fee

$25

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Purchase Rate

Purchase Rate

20.49%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$160

Late Payment Fee

$25

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Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

Late Payment Fee

$30

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More details
Purchase Rate

Purchase Rate

20.70%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

Late Payment Fee

$35

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Purchase Rate

Purchase Rate

20.70%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$149

Late Payment Fee

$35

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Purchase Rate

Purchase Rate

18.74%

Interest Free Days

Interest Free Days

50

Annual Fee

Annual Fee

$249

Late Payment Fee

$15

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Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

Late Payment Fee

$30

Go to site
More details
Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$250

Late Payment Fee

$15

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More details
Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

44

Annual Fee

Annual Fee

$295

for 12 months then $395

Late Payment Fee

$15

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Purchase Rate

Purchase Rate

4.99%

for 5 months then 18.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$249

Late Payment Fee

$0

Go to site
More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$79

Late Payment Fee

$15

Go to site
More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

Late Payment Fee

$15

Go to site
More details
Purchase Rate

Purchase Rate

19.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$279

Late Payment Fee

$15

Go to site
More details
Purchase Rate

Purchase Rate

20.74%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$178

Late Payment Fee

$30

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More details
Purchase Rate

Purchase Rate

20.49%

Interest Free Days

Interest Free Days

45

Annual Fee

Annual Fee

$300

Late Payment Fee

$15

Go to site
More details
Purchase Rate

Purchase Rate

20.49%

Interest Free Days

Interest Free Days

45

Annual Fee

Annual Fee

$99

for 12 months then $200

Late Payment Fee

$15

Go to site
More details
Purchase Rate

Purchase Rate

20.49%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$99

for 12 months then $169

Late Payment Fee

$35

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More details
Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$199

for 12 months then $299

Late Payment Fee

$30

Go to site
More details
Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$49

Late Payment Fee

$30

Go to site
More details
Purchase Rate

Purchase Rate

6.99%

for 6 months then 16.95%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$0

Late Payment Fee

$9

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Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$1200

Late Payment Fee

$30

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Purchase Rate

Purchase Rate

19.99%

Interest Free Days

Interest Free Days

55

Annual Fee

Annual Fee

$149

Late Payment Fee

$15

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Are you an avid traveller or a points chaser? Are you looking to get the best bang for your buck for your next trip? You may be considering joining a rewards program that lets you earn Qantas Frequent Flyer Points.  

There are a range of credit cards from big banks to smaller providers that allow you to earn Qantas Frequent Flyer Points. The Qantas Points you earn on flights or purchases can be redeemed for flight rewards, travel perks and merchandise through the Qantas store.

When it comes to choosing the right reward program for you, it pays to do your research. That’s why RateCity has created this Qantas Frequent Flyer Points guide to help simplify your search.  

What are Qantas Frequent Flyer Points?

Qantas Frequent Flyer Points are a brand-specific type of rewards program that can be earned and exchanged for Qantas rewards.

Credit card reward programs, like the Qantas Frequent Flyer program, are designed to encourage bigger spending, so they are not without their own level of risk. Spending money for the sake of earning points may find even the most budget-conscious of us falling into bad debt habits. 

However, if the credit card is used responsibly and you ensure your balance is paid in full each statement period, you may enjoy some serious benefits. 

Australians who prefer to travel with Qantas, or are seeking to climb the ranks of membership, may consider using a Qantas Frequent Flyer credit card to help them earn points through everyday spending.

Do you need to be a Qantas member to earn points?

Short answer, yes. You must be a Qantas Frequent Flyer to earn and use Qantas Points. After all, if your credit card spending is earning you points towards a program you don’t use or are not a member of, it may be time to consider switching cards.  

Within the Qantas Frequent Flyer program, there are five tiers of membership:

  1. Bronze
  2. Silver
  3. Gold
  4. Platinum 
  5. Platinum One

To reach the higher tiers of membership, you’ll need to earn enough Status Credits. Status Credits are generally based on the distance flown and are typically earned through flying with Qantas or affiliated airline partners, including as Cathay Pacific, Qatar Airways, American Airlines and British Airways. 

Starting at Bronze, the higher you move up the Qantas Frequent Flyer membership tiers, the greater the rewards. However, these rewards can also be claimed by earning a number of Qantas Frequent Flyer Points through your credit card and exchanging them for the same travel bonuses. 

What Qantas Frequent Flyer Points can be used for

There are a range of perks that Qantas Frequent Flyer Points can be exchanged for. These may include:

  • Flights, including upgrades
  • Hotels, including room upgrades
  • Rental cars
  • Tours
  • Cruises
  • Shopping in affiliated stores, including electronics, white goods, kids’ toys, beauty products and more
  • Food and wine
  • Travel insurance
  • Health insurance

How Qantas Frequent Flyer Points are earned

The main ways to earn Qantas Points with a credit card are by choosing a direct earning card or a card that lets you opt-in to earn Qantas Points.

Direct earning cards are a type of credit card that automatically earns you Qantas Points on your spending, generally on a dollar for point basis. Your chosen credit card may even be called a Qantas Rewards card.  

Opt-in credit cards may give you the choice to earn Qantas Frequent Flyer Points instead of the card’s standard rewards points. The credit card provider will often have its own rewards program in which points can be exchanged for merchandise, like electronics or appliances. However, some will also be affiliated with Qantas, and allow you to turn your earned points into Qantas Frequent Flyer Points.

In terms of how the credit card actually accumulates points, there are two main ways:

  • Dollar to point ratio. Rewards points credit cards will come with their own earn rates, which is the number of points each dollar you spend earns you. Generally, this may be between 0.5 – 3 points per dollar spent. The earn rate will differ depending on the credit card provider. 
  • Bonus points. Credit card providers may offer incentives to new customers to get them on the books, including large bonus point offerings. These can climb as high as 200,000 points. The bonus points may be the equivalent of a flight from Sydney to Melbourne, or even Sydney to Los Angeles, depending on the size of the offer. 

Keep in mind that not all point earning is endless, and some credit card providers do cap the number of points that can be earned in a statement period or even a financial year. Points on some cards may be expired if not spent within a certain period of time. If you’re looking to earn as many points as possible, you may want to consider avoiding credit cards with points caps. 

Will I earn points every time I use my credit card?

No, you won’t earn Qantas Frequent Flyer Points every time you use your credit card. That is because your credit card provider will stipulate what makes up an eligible purchase in its terms and conditions.

The type of transactions that won’t qualify as an eligible purchase may include:

  • Cash advances
  • Balance transfers
  • Interest charges
  • Loan repayments
  • Spending on gambling
  • Refunded transactions
  • Gift cards
  • Credit card fees
  • BPAY payments
  • Government charges (ATO payments, stamp duty etc.)

To find what credit card transactions are eligible purchases for earning Qantas Frequent Flyer Points, you will need to check the cards terms and conditions.

Qantas works with a number of affiliated stores to allow customers to earn Frequent Flyer Points just by spending there. Your credit card provider will also do the same, allowing you to earn points by spending money in these stores. Always check which stores may help you earn rewards points before you start tapping that plastic.

How to compare Qantas Frequent Flyer credit cards

Now you know how to earn Qantas Points and what they can be exchanged for, you may be wondering how to begin comparing the multitude of Qantas Frequent Flyer credit cards on the market.

There are a few key credit card components you should always compare when searching for your next card:

Credit card feature About
Purchase rate The rate at which you are charged interest on your purchases. One of the biggest determining factors to the overall cost and potential debt of your card. Interest is charged per annum (pa) and can be anywhere from 7 per cent to 25 per cent.
Cash advance rate The interest rate you are charged when you withdraw cash from your card, typically from an ATM.
Annual fee May sit around $100 but can climb as high as $1,200. Annual fees are to be expected with rewards credit cards, as they are said to help pay for the rewards programs.
Interest-free period The length of time in which you must repay your outstanding card balance before you’re charged interest on purchases. Typically run around 45-55 days from the start of each month’s billing cycle.
Minimum repayment amount Minimum amount you must pay each month. This may be a fixed amount, like $20, or a percentage of the balance owing, typically 2-3 per cent.

When it comes to Qantas Frequent Flyer credit card comparison, during your search you may also want to ask yourself the following questions:

  1. How easy is it to redeem the points?
  2. What is the dollar-to-point ratio?
  3. Are there any caps on points?
  4. Will the points expire?
  5. Will you be able to earn the points required? I.e. will you naturally spend money in the affiliated stores, on flights or even groceries to qualify?

Case study – Dom the frequent flyer

Dom travels for work almost every single week, flying between Sydney and Brisbane. His airline of choice is Qantas, and he’s decided it’s time to shop around for a new credit card that will earn him Qantas Frequent Flyer Points.

There are a few things Dom is keeping in mind for his search. He wants a card with a high earn rate as he will use it to buy his flights each week. He also doesn’t want an outrageous annual fee, so is looking to keep that cost down if possible. He also wants to avoid cards with points capping.

Dom’s wife will also use the card for the weekly grocery shop, so he ensures the card provider does not charge for supplementary cards. He also checks the terms and conditions to ensure that spending in their favourite grocer will earn them rewards points.

He chooses a card with a huge sign-up bonus, giving him enough Qantas Frequent Flyer Points to travel from Sydney to Brisbane return for free. But Dom saves those points and earns more through his and his wife’s spending. He saves enough points to take her on a surprise holiday to the Whitsundays. Once they reach this threshold, Dom purchases the flights and exchanges the Qantas Points for upgraded seats, plus a discount on the hotel room and a bottle of wine on arrival.

 

Learn more about credit cards

Frequently asked questions

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

How to increase your Qantas Premier credit card limit

When your income or spending habits change, you might wish to increase your credit card limit. The Qantas Premier credit card allows you to do this over the phone. You can contact Qantas Premier Card Support by calling on 1300 992 700. Unlike some other credit providers, Qantas doesn’t give you the option to increase your limit online.

Qantas will only accept your application if you have a good history of repayment and have not increased your credit or bought another credit product from Qantas in the past six months.

Before approving your Qantas Premier credit card limit increase, Qantas will perform a credit assessment on your current financial circumstances and ask why you would like to increase your credit limit.

To ensure that there are no bumps in your application process, you must provide accurate and recent information about your financial situation. You should also account for any future changes you’re anticipating which could hinder your ability to repay the loan.

Once the assessment is complete, Qantas will either approve or deny your application. If they approve it, you will need to sign a credit limit increase agreement - and you can request a written copy of the credit assessment. However, if your application is rejected, Qantas can opt not to provide a copy of the assessment.

Can I transfer money from my American Express credit card to my bank account?

If you’re an American Express credit card customer, you may not be able to transfer money from your credit card to your bank account. However, you may be eligible for cash advances, which involves withdrawing money through an ATM. 

To qualify for a cash advance, you’ll likely have to enrol for American Express Membership Rewards. Consider checking your online credit card account to see if you can withdraw a cash advance and, if so, the fees and charges you’ll incur for this transaction. 

You should remember that cash advances are different from balance transfers, which were available with some American Express credit cards earlier. Balance transfers allow customers to consolidate debt from high-interest credit cards to a credit card offering a lower interest rate. If you only recently applied for an American Express credit card, balance transfers may not be available irrespective of the card you own. 

How to increase my Commonwealth credit card limit?

Commonwealth Bank credit cards are extremely popular in Australia for everyday purchases and big ticket items alikers. A number of the card’s functions can be customised, depending on your needs and desires. If you wish to increase your Commonwealth credit card limit using the CommBank, you can usually do so on the app or via NetBank.

In the CommBank app, tap on the ‘Cards’ icon and choose your credit card. Then, click on ‘Credit Limit’ and select the ‘Increasing your limit’ option. If you don’t have the CommBank app, you can also increase your Commonwealth Bank credit card limit through NetBank. Simply log on and go to Settings, then click on ‘Product Requests’ and then choose ‘Credit Card Limit Changes’. 

Once the bank has received your application, they will review your account and payment history. Based on this assessment, your application will either be approved or denied. If approved, your new limit will be applied to your card instantly. 

While increasing your credit card limit may be an easy process, it’s important to remember that you should only request limits that you can manage. A high limit increases the risk of having a larger debt, even with cards that provide low-interest rate options. So, it’s important to think carefully and seek advice from people you trust before increasing your Commonwealth Bank credit card limit.

How can I get a Woolworths store card credit limit increase?

If you are looking to increase the credit limit on your Woolworths card, you can call 1300 101 234 to make an application. You will need to have held your Woolworths credit card account for at least six months before asking to increase your limit. 

As with most credit limit increase applications, your financial situation and spending history will be reviewed in order to assess whether your new requested credit limit is appropriate. After the assessment, Woolworths will let you know whether or not you’ve been approved. 

 

What coverage does Coles credit card insurance offer?

Most customers who own a Coles credit card may be eligible for complimentary purchase protection insurance, but low rate card owners won’t receive this benefit. 

Some premium credit cards issued by Coles include transit accident insurance and extended warranty cover in addition to purchase protection insurance. Covered items paid for at least partially with your Coles credit card usually qualify for purchase protection insurance.

However, you may only be eligible for transit accident and extended warranty coverage if the entire travel cost or purchase price is billed to the eligible card. Additionally, the extended warranty coverage matches the manufacturer’s warranty up to a maximum of five years. If your credit card offers extended warranty, but the covered item comes with a six-year warranty, you're unlikely to receive the benefit.

Does Bendigo Bank offer credit card insurance?

No matter which type of Bendigo Bank credit card you own, you may qualify for complimentary purchase protection insurance, extended warranties, and best price guarantee. 

If you are eligible for one or more of these complimentary insurances, you won’t need to activate them separately. Consider checking the coverage limits as well as the terms of purchase to find out if they apply to your purchases. For instance, the annual coverage limit under Bendigo Bank’s purchase protection insurance for one type of credit card is $25,000. However, the coverage limit per item is $5,000, and you may have to pay an excess of $250 every time you file a claim.

Some Bendigo Bank credit card customers may also qualify for mobile device insurance, which covers the accidental damage to or loss of your phone. Again, the coverage limit varies for repairing or replacing your phone,compared to repairing accidental damage to your phone’s screen. Other complimentary insurance offered by Bendigo Bank on some credit cards includes coverage for overseas travel, domestic flight inconvenience, and transit accidents. If you rent a car using an eligible Bendigo Bank credit card, you may be able to get a waiver on the car rental excess as well. 

Does St. George Bank offer any credit card insurance?

Depending on the type of card they hold St. George Bank credit cardholders can benefit from a host of various credit card insurance offerings including:

Complimentary overseas travel insurance, covering:

  • Medical and hospital expenses incurred while travelling overseas, with the exclusion of pre-existing conditions
  • Loss or damage to personal property
  • Legal liabilities
  • Loss or damage to rental vehicles
  • Unexpected cancellation of travel arrangements or any other unforeseen expenses

Complimentary purchase security insurance may be available to level 1 cardholders for four months and three months of complimentary insurance accessed by level 2 cardholders. This type of insurance covers loss, theft, and damage costs to eligible products purchased anywhere around the world, provided that the product was purchased using the St. George Bank credit card. 

Extended warranty insurance may be available to St. George Bank credit cardholders, which extends the manufacturer’s Australian warranty on certain products purchased. For example, if you purchase a pair of headphones that comes with 11 months of warranty, St. George Bank will provide an extended warranty of 11 months, provided the entire purchase is charged to the St. George Bank credit card. 

Select cardholders may be able to take advantage of St. George Bank’s rental vehicle excess insurance, which covers up to $5,500 for any excess or deductible which the cardholder is legally liable to pay during the rental period. 

What is the CUA credit card increase limit process?

A credit limit is pre-assigned based on factors like your income, expenses, and debt by the card-issuing company. It varies from time to time based on credit utilisation and changes to your circumstances.

If your income has increased or your liabilities have reduced, you can request for an increase of your CUA credit card limit. You can lodge the request via online banking on the website, or by visiting the closest branch, or by downloading the application form and mailing it. While making the application, you may need to provide information about your income, employment status, desired limit, and the reason for the increase. The card-issuing company will assess your request before approval.

Before you apply for an increase to the credit limit, ensure your bills are paid in full and you aren’t asking for a very steep enhancement.

How does the ANZ credit card instalment plan work?

While you usually need to settle all or part of your credit card dues at the end of your statement period, some credit cards afford you the option of setting up instalment plans. This allows you to settle your credit card debt at a pace that's more convenient for you, paying a fixed amount over a fixed period, thus making it easier to budget your repayments every month.

With the ANZ credit card instalment plan, you can set up a structured repayment schedule for part or all of your balance, or even for specific purchases over a certain value.

Some of the benefits of instalment repayment include: 

  • Structured repayments: You’ll have a fixed sum to pay each month.
  • Easier to budget: A fixed repayment sum makes it easier to make your monthly budget.
  • Account benefits: You might also get benefits such as discounted interest rates or debt-tracking tools.

There are disadvantages of opting for instalment repayment, however, and they include:

  • Less flexibility: You will not be able to pay a smaller amount once you set an instalment plan.
  • Different interest charges: In case the instalment plan only covers part of the balance, different interest charges could apply, making it challenging to budget.
  • Additional fees: You might have to pay fees or penalty charges in case of missed payments.

Does Woolworths Qantas offer any credit card insurance?

Credit cards can be useful for managing your expenses, but they also come with other advantages like credit card insurance. Your Woolworths Qantas Platinum Credit Card may offer a host of complimentary insurance options, which include: 

  • Travel insurance: Cover for your whole family when they travel with you, with unlimited overseas medical emergency cover and $500,000 accident insurance for accidental loss of life.  
  • Purchase security insurance: If you purchase an eligible product with your Woolworths Qantas Platinum Credit Card, the cost of theft or damage that occurred within 90 days of the purchase will be covered, provided the amount doesn’t exceed the purchase price of the item or up to $2500 per event. 
  • Extended warranty insurance: If you purchase eligible goods with your Woolworths Qantas Platinum Credit Card, this complimentary insurance will extend the manufacturer’s Australian warranty by up to 12 months. 
  • Global hire car excess waiver: If you’re legally liable to pay an excess or deductible in the event of loss or damage to a rental vehicle that was booked using your Woolworths Qantas Platinum Credit Card, the costs will be covered. 

To find out more about Woolworths Qantas credit card insurance, you can call them on 1300 10 1234. 

How to apply for an HSBC credit card instalment plan?

HSBC provides a host of different features and benefits to its customers, including interest-free finance options for purchases made at select retailers.

Using this feature, you can make a purchase in-store or online through your credit card, and spread your repayments for up to 60 months. Opting for a credit card instalment plan may be an ideal option as you can make big purchases without worrying about making immediate payments. 

The interest-free instalment plan is valid for all HSBC credit cards, so you shouldn't need to fill out separate forms or apply for a particular plan. Rather, all you should need to do is use your HSBC credit card at any of the participating retailers and inform the vendor that you want to pay using HSBC interest-free. 

As HSBC has partnered with over 1,000 retailers for its interest-free credit card instalment plan, you get the flexibility to purchase a host of different products. Some of the popular retailers that HSBC allows instalments for are: 

  • Webjet 
  • King Furniture 
  • Betta Home Living
  • Stratco 
  • Video Pro 
  • Bing Lee

Once you have provided approval to the vendor, HSBC will send you an SMS asking you to confirm the purchase, following which the payment will go through, and you can select your preferred instalment plan. 

While you may be inclined to choose the most prolonged duration for repayment considering there are no interest charges, it’s important to know that minimum monthly repayments will still apply (3%, or $30, whichever is higher), making it important to choose the right HSBC credit card instalment plan that suits your requirements. 

What does Westpac credit card insurance cover?

If you own a Westpac credit card, one of the perks may be  free travel insurance. If you’re eligible, you may be covered if you get sick while travelling, have lost your luggage, have to cancel a trip or have an accident while you’re on the move.

Besides these standard inclusions, the Westpac credit card insurance policy may also cover you for hospital essentials, emergency dental treatment and alternative transport if your original plans go awry. It may also cover loss of income when you get back home after being sick  overseas and your pets’ boarding costs too.

If you have any queries, the Westpac credit card insurance contact number is 1800 091 710. You can submit a claim online.

 

How do I file a Virgin Money credit card insurance claim?

To make a claim, you can either call Allianz Global Assist at 1800 072 791 or visit their claims page. If you’re making a claim related to any travel-related complimentary insurance, such as international travel or transit accident insurance, you may need to visit their travel claims website. Again, for filing a claim while travelling overseas, you can call Allianz at +61 7 3305 7499.

Before filing your claim, consider checking which complimentary insurances are available with your Virgin Money credit card. Customers who own a ‘no annual fee’ or ‘low rate’ credit card don’t get these benefits, while some other credit cards only come with guaranteed pricing and transit accident insurance.

Remember that you’ll need to submit proof that your credit card offers the complimentary insurance benefit which you are claiming. You can read the credit card complimentary insurance terms and conditions for details regarding the benefits available on your credit card.

Do I qualify for Bank of Melbourne credit card insurance?

You may be eligible for transit accident insurance, purchase security insurance, and extended warranty no matter which type of Bank of Melbourne credit card you own. 

Some credit card customers may get coverage for international or domestic travel insurance, rental vehicle excess in Australia, and price guarantee as well. 

However, the exact terms of the insurance coverage can differ based on the specific credit card. For instance, if you buy any personal items with a Level 1 credit card, your purchase security insurance may be valid for up to four months from the purchase date. For someone with a Level 2 credit card, such coverage may only be available for three months. 

How to increase your Heritage credit card limit?

Heritage credit card holders can increase their card limits, and typically without any hassles. There are two limits applied to your credit card: your account transfer limit and your credit card limit, each of which has a separate limit.

To increase your Heritage credit card limit, you can contact Heritage on 13 14 22. Unfortunately, you cannot opt to increase your credit card limit online due to security reasons. 

You can, however, request to increase your daily account transfer limit and BPAY® to up to $40,000 per day easily through Heritage Online. To do this,  you'll need to first ensure that your credit card limit is more than $40,000. If it is lower, you’ll need to first ask Heritage for an increase in your credit card limit. 

  • It’s important to note that once you change your credit limit, the daily periodic rate and corresponding annual percentage rate will change as well. This is likely to come into effect on the first day of each billing cycle that begins in March, June, September, and December. The effect of an increase in the annual percentage rate and the daily periodic rate will lead to an increased amount of interest you will have to cover in your monthly payment. 

How do I increase my Suncorp credit card limit?

You can ask Suncorp to increase your credit card limit  by contacting  131 155 or by visiting your nearest branch. You’ll have to meet Suncorp’s credit criteria and general terms. For example, you may not receive an increase in your limit if you have successfully applied for one or in the past nine months. Similarly, the bank will look at whether you’ve applied for other credit products recently. 

When assessing your application for a credit increase, banks look at a range of criteria, such as your income and your spending and repayment history. Usually you’ll hear back within a couple of weeks. 

How to increase your Bendigo Bank credit card limit?

As a Bendigo Bank credit cardholder, you can avail a minimum limit of $500, but if you use your card regularly, you may want to consider increasing it. To increase your Bendigo Bank credit card limit, you can contact the bank’s credit card team on 1300 236 344 and talk to the bank directly.

You can also apply for a credit card limit increase through online banking, by logging into Bendigo Bank web portal or through the app on your phone or tablet. Once you’ve successfully logged in, you'll want  to send a secure message to Bendigo Bank asking them to increase your credit card limit. 

If you cannot access the online portal or the app, you can also apply to increase your credit card limit through the online enquiry form. Simply add relevant information in the required fields and click ‘Submit’. Once you have completed the application, Bendigo Bank should verify your details and analyse your current financial standing. Based on this assessment, the bank will either accept your application to increase your credit card limit or deny it. 

How to increase your HSBC credit card limit

You can opt to increase your HSBC credit card limit in multiple ways. 

The easiest way to change your HSBC credit card limit is through online banking. Log on to your account and click on ‘Manage your account’. Then, click on ‘My Cards’ and choose to change your credit card limit. Simply complete the HSBC credit card limit increase form and click on ‘Submit’. 

You can also request to increase your credit card limit by calling HSBC’s customer service hotline on 1300 303 168. 

Lastly, you can visit any HSBC branch to apply to lift your card limit. 

If you are facing challenges while trying to complete an HSBC credit card credit limit increase online, you can chat with a representative using internet banking. Click on the ‘Need Help’ button on the right of the dashboard and open the chat window to speak with the customer service officer. 

What does BOQ credit card insurance cover?

All BOQ credit cards come with purchase cover insurance and guaranteed pricing, which can be claimed by eligible customers without activation. Some premium cards may additionally cover international travel, transit accidents, and interstate flight inconveniences, as well as offering extended warranties in select circumstances. 

For instance, any “covered item” bought using your BOQ credit card may be eligible for purchase cover insurance if its value doesn’t exceed $10,000. Again, covered items usually include most business and household or personal items but exclude things like computer software, perishable food items, and arts and antiques. You should check your credit card’s product disclosure statement (PDS) to find out which of these complimentary insurances you may qualify for if any.