Compare credit card rewards programs
Learn how to find the best credit card rewards option for your needs. Compare Australian credit cards and points bonuses up to 200,000+. There is no single best credit card as everyone’s needs are different.
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What are credit card rewards?
Some credit card providers allow cardholders to earn ‘points’ on eligible purchases that can be spent through ‘rewards programs’. These rewards can range from electronics, gift cards and home appliances to frequent flyer rewards, such as flight upgrades and complimentary insurances. A provider may also offer credit card rewards in the form of cash back offers.
Credit card rewards are both a means to entice new customers to join with a credit card provider and a way to ‘give back’ to customers for making purchases with said provider’s credit card.
What is a credit card rewards program?
As the name suggests, a credit card rewards program is a type of customer-beneficial system in which the money you spend on eligible purchases earns points that can be spent in said program.
The points you earn can be exchanged in the rewards program for perks, rewards and gifts. These can include flight upgrades, hotel accommodation, complimentary insurances, electronics, appliances, white goods, gift cards and even cashback. Typically, a credit card rewards program platform can be accessed online or via phone with your card provider.
How do rewards credit card programs work?
Rewards credit cards let you earn rewards points for every dollar (or more) you spend. When you rack up enough points, you can exchange these points for rewards.
The rewards you can redeem will depend on your credit card provider, but may include:
- Flight rewards where you can build up frequent flyer points with an airline or group of airlines frequent flyer programs, and may even have your travel insurance and concierge services covered.
- Retail rewards allow you to build up points that you can redeem at particular stores in the form of discounts or gift cards. You might even get bonus points for shopping at particular retailers or buying specific products.
- Cash back rewards which refund you a small part of what you've spent.
- Supermarket rewards where using your credit card for everyday spending at a particular supermarket can earn you free extras.
Some other perks and rewards that still offer major bang for your buck to consider are:
- Card type rewards that involve rewards points and perks tied to a specific credit card type, such as Visa, Mastercard or American Express (AMEX).
- Introductory rewards such as waived fees and zero per cent interest rates in the first year of your credit card.
How to earn points in a rewards program
There are three main ways to earn rewards credit card points, regardless of the rewards program type:
- Sign up bonus points. These can range from a few thousand to hundreds of thousands of points on application approval. Keep in mind that earning these rewards points may require meeting conditions such as spending a minimum amount each month.
- Earn rates. Each rewards credit card will have its own set earn rate. This is the amount of dollars spent per point earned, such as 1 dollar per point. This can be as low as 50c per point or as high as $2-3 per point.
- Transferral. Some credit cards, such as Qantas frequent flyer cards, may allow you to transfer your existing points balance onto a new card with a similar rewards program.
When it comes to earning points it’s important to remember that some credit cards may cap the amount you can earn each statement period, and some may even set points expiry dates. Check a credit card’s terms and conditions for more information on these points regulations before applying.
Amy the frequent flyer
Amy loves to travel and has family all across Australia. She’s in the market for a new credit card but knows that Qantas travel perks, such as flight rewards and complimentary insurances are valuable to her. But she doesn’t have years to spent saving up her rewards points so is looking for a card with a healthy sign-up bonus.
She hops on the RateCity rewards credit card comparison page to find her best option. Using the filters on the comparison table and enters the Qantas frequent flyer program under ‘partner program’. She then selects yes on ‘include all products’ to get a bigger comparison of the market.
Amy then uses the table to view which cards offer high bonus points on sign up, as well as which ones charge a moderate purchase rate and annual fee. She is able to apply for ideal travel credit card that day.
Which credit cards offer the best rewards?
Finding right card for you will depend on exactly what type of rewards you want, your spending habits and your specific financial situation.
Here are some of the most popular credit cards that offer different types of rewards and perks:
- Platinum credit cards - a more premium card type that typically comes with higher annual fees and ongoing costs, as well as harder eligibility criteria to meet. This is typically suited for high income earners. Platinum cards may be connected to standard rewards programs or frequent flyer programs, but may offer the greatest number of extras, such as complimentary insurances, high earn rates on reward points, and higher credit limits.
- Rewards credit cards - your standard rewards credit card will be linked to the credit providers rewards program. There you can exchange rewards points for goods and merchandise, as well as gift cards and event tickets. It will generally incur an annual fee, which may be anywhere between $35 and $1,200.
- Frequent flyer credit cards - these are rewards credit cards geared towards regular flyers. They are most commonly linked to Qantas Rewards or Velocity Frequent Flyer Rewards in Australia, but may also be linked to Emirates, British Airways and more. For example, Qantas frequent flyers may link their credit card spending to their account, and earn bonus qantas points on eligible purchases.
- Travel credit cards - similar to frequent flyer cards, travel cards are made with adventurers in mind. This means anything from earning points towards frequent flyer programs, to waived foreign transaction fees and other overseas costs. Travel cards may also come with complimentary insurances, such travel insurance and rental car insurance.
- Store credit cards - these are rewards cards specifically linked to your favourite supermarkets and retailers, such as Coles, Woolworths, David Jones, Myer and more. As mentioned above, these rewards can involve discounts and gift cards with said retailers. Your spending may also earn you additional rewards, such as flybuys rewards.
- Balance transfer credit cards - Some balance transfer cards are also linked to rewards programs. Ideally, this would be used after you pay off your outstanding balance or any new purchases will immediately be charged a purchase rate. Always keep an eye out for any potential balance transfer fees when choosing this type of card.
How do I get the best rewards card for my needs?
There is no one best rewards credit card. If there were, the job of a comparison website would be a lot easier! To find your best rewards card you'll need to take a look at a few key factors, including:
- The type of credit card rewards you want
- Your income
- Your spending habits
- Your ability to budget for credit card repayments
- Your preferred credit card issuer, if you have one.
It's also worth remembering that any other existing debts you may have could hinder your ability to get your best rewards card. Firstly, this is relevant if you're looking for a balance transfer option instead of a standard rewards card. Also, card issuers take into consideration your outstanding debts and its relationship to your credit score. A poor credit score may hinder your ability to get your best rewards card.
Supermarket credit card rewards explained
The major supermarkets in Australia have stepped into the ring when it comes to the battle of the rewards credit cards.
Both Woolworths and Coles offer rewards credit cards, in which the points you earn can be exchanged within their own customer rewards program, for frequent flyer points or even for discounted groceries and gift cards.
- Coles rewards
Coles Mastercard rewards credit cards are linked to their flybuys program. Coles shoppers can earn flybuys points on eligible spending in stores like Coles, Target, Kmart and more.
|Coles Mastercard & Coles Platinum Mastercard||2 flybuys points for each whole Australian dollar spent on flybuys participating retailers spend, rounded down per transaction.|
|Coles Rewards Mastercard & Coles Rewards Platinum Mastercard||2 flybuys points for each whole Australian dollar spent on each eligible transaction, rounded down per transaction.|
|Coles No Annual Fee Mastercard & Coles No Annual Fee Platinum Mastercard||1 flybuys point for every 2 whole Australian dollars spent on each eligible transaction, rounded down per transaction.|
|Coles Low Rate Mastercard & Coles Low Rate Platinum Mastercard||1 flybuys point for every 2 whole Australian dollars spent on each Coles spend, rounded down per transaction.|
Source: Coles Mastercard terms and conditions.
- Woolworths rewards
Woolworths rewards credit cards may be linked to either the Qantas frequent flyer program or the Everyday Rewards loyalty program. Shoppers can earn points on eligible spending in stores like Woolworths, BWS, Big W, Caltex and more.
There are two Woolworths credit cards, with different earn rates depending on what you purchase. For example, the same card may earn 1 point at one store, and 3 at another.
|Woolworths Everyday Platinum Credit Card||3||Woolworths Select and Woolworths brand products.|
|2||Woolworths Supermarkets, Dan Murphy's, Cellarmasters, BWS, BIG W, Caltex Woolworths.|
|1||All other eligible purchases.|
|Woolworths Qantas Platinum Credit Card||1||Woolworths, BIG W, Caltex Woolworths, BSW, Dan Murphy's and Cellarmasters.|
|0.5||All other eligible purchases.|
Source: Woolworths credit card terms and conditions.
What are the benefits and drawbacks of reward credit cards?
Reward programs are meant to encourage bigger spending. Simply spending for the sake of earning points can be risky. But if cardholders use their rewards credit card responsibly, you could enjoy significant benefits.
Big spenders who like to flash their plastic could also benefit from a rewards credit card. In this case, you're not altering your behaviour in any way. Instead, you're simply capitalising on your regular spending by earning rewards.
If you regularly shop at certain outlets or supermarkets, you may want to consider a store credit card. If you were going to spend the same amount of money there anyway, then a rewards credit card could also earn you free extras, provided you pay the balance off in full and on time. You may also enjoy membership rewards, such as flybuys rewards in Coles Group retailers.
Finally, overseas adventurers can benefit from frequent flyer credit cards or travel credit cards. Maybe you frequently hop on planes for business trips, or just have the travel itch. These cards may let you use points for plane tickets, airport lounge access/lounge passes, and offer overseas travel insurance.
Rewards credit cards may not be suitable for everyone. Maybe you’re on a budget and don’t always pay off your credit card in full or on time. Maybe you aren't a big traveller. Maybe you prefer to pay for your shopping through other means. In cases like these, a reward credit card may not be ideal for you.
Rewards credit cards typically don't come with low fees or low rates, as these costs help to pay for these programs. You may end up paying fees, getting hit with high interest charges and getting into debt for a rewards program you don't really need.
Ben the online shopper
It’s almost the holidays and Ben has left all his gift shopping to the last minute again. Thankfully, Ben remembers last year he joined up with a rewards credit card program that does not have an expiry on points.
He logs onto his credit card providers rewards program platform and notices he’s earned a significant amount of points thanks to the regular eligible purchases he makes, such as his weekly grocery bill.
He is able to easily exchange his rewards points for a great new appliance to gift his partner with. He also nabs a couple gift cards for his family members from some of their favourite retailers. Ben does all of this without ever leaving his living room thanks to his rewards credit card.
Fees and costs of a rewards credit card
There are a range of common fees, costs and factors to consider when comparing rewards credit cards. These are typically outlined in the card's Product Disclosure Statement, which can be viewed on the card provider's website.
|Purchase rate||The interest rate at which any purchases are charged if not paid in full during a statement period.|
|Cash advance rate||The interest rate charged on any money withdrawn from outlets like an ATM.|
|Annual fees||An ongoing cost that can range from $35-$1,200 a year.|
|Balance transfer fee||Also called a balance transfer rate, a fee charged by the new card provider for you to transfer your balance to them. Typically, around 3-5% of the balance.|
|Minimum repayment amount||The minimum amount you need to pay on your outstanding balance each statement period. Typically, around 2% or $20, whichever is higher.|
|Earn rate||The rate at which you can earn points on eligible purchases. Usually 1 point per dollar spent.|
You can view the terms and conditions on a card provider's website to see any eligibility criteria and spend criteria before you apply.
How do I carry out a rewards credit card comparison?
To start a rewards credit card comparison, look at the freebies it offers. Are you interested in these products and services? There may not be much point spending big with a rewards credit card if you're not going to make use of its bonuses.
Also, check the card’s fine print:
- How easy are the points to redeem?
- Is there a limit on how many you can earn?
- Will you be able to earn the points required through everyday purchases?
- Do the points expire at any point?
- What is the dollar-to-point ratio?
To get a better idea of the value of credit card rewards, don't just look at how many points you earn per dollar on each card. To find the best rewards credit card for you, look at how many points you’d need to earn to redeem a particular reward on one card, then compare this to other rewards cards. The easier it is to earn the rewards you want, the more value a card may offer you.
Also, keep the fees and charges in mind. Some rewards credit cards charge high fees, which can offset the free extras in some cases. If you’d pay more in fees for a credit card than you’d earn in rewards, it may not provide enough value to be worthwhile for you.
Hopefully, once you've looked at all these factors, you’ll feel more secure finding a rewards card that suits your spending and lifestyle.
How to find rewards cards for my airline?
One of the easiest ways to find a competitive credit card for the airline you are a member of is to use comparison tables, such as the one on this page. This allows you to compare apples with apples by entering your details and filtering down your options to a shortlist of competitive card options to choose from.
Simply use the search features to enter in your details, such as how much you spend each month, or your current interest rate to view. Then, click on the ‘Filters’ button and choose the credit card rewards partner program you prefer, such as Qantas frequent flyer or Amplify rewards.
You’ll then be able to easily compare card options side by side, and even sort your results by purchase rate or annual fee, to help try and keep costs down. Once you’ve made a short list, you can click on the ‘Go to site’ button to be redirected to that credit card providers’ page.
How do credit card rewards points work?
Credit card points are earned typically on a point-per-dollar spent basis (but sometimes more or less) only on eligible purchases. For example, spending $500 in an affiliated retailer to your credit card provider may earn you 500 rewards points.
These points can then be exchanged through the providers rewards program (typically online) for a range of goods and services, such as appliances and electronics. Credit card rewards points may also be capped at a certain limit each month, and can expire if not spent, depending on the card issuer.
How do I apply for a rewards credit card?
You can apply for a rewards credit card online, over the phone or in branch, as you would any other standard credit card.
- Eligibility: Ensure you meet the credit card’s eligibility criteria, such as being an Australian citizen over the age of 18, or meeting the minimum income requirements. These requirements should be listed on the provider’s website.
- Paperwork: Gather your personal documents, such as proof of ID, payslips, bank statements, proof of employment, details of assets or liabilities.
- Credit history: Triple check that you have a healthy credit score, as a poor credit history may lead to a higher chance of credit card rejection, which will further hurt your credit score. If you struggle with bad credit, consider looking at card providers who work with applicants with lower credit scores.
- Application: Fill out the application online, over the phone or in branch and, if your application is approved, you may receive your new credit card within 10-15 days.
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Personal Finance Editor
Alex is a personal finance writer and editor at RateCity, and has been writing about finance for over five years. She is passionate about closing the gender pay and superannuation gap, and aims to help young Aussies to overcome their financial apathy and better manage their finances. Alex has been published in numerous print and online outlets, including Money Magazine, Lifehacker Australia, and Business Insider.
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 easy is it to get a credit card?
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
What should I do if my ANZ credit card has expired?
Your ANZ credit card is considered expired only after the last day of the month and year marked on your card. For instance, if your card’s expiry date reads 03/22, it is valid until 31 March 2022 and expires on 1 April 2022. Typically, you should have received a new credit card by that date, and you won’t have to request a new card.
Once you get the new card, you should remember to switch any automatic payments you have - such as a utility or mobile phone bill - from your expired credit card to your new credit card. Equally, if you are using CardPay Direct to repay your ANZ credit card debt, you may need to update the credit card account details for that service as well.
In case the new card doesn’t arrive by the expiry date of your current credit card, you can call ANZ on 13 22 73 to find out the reason and if you need to request an expedited card. Please note that if you were planning to close your credit card account or request a credit card upgrade, you may need to call ANZ at least before the 25th of the month your current credit card expires in, as that’s when they may send you the new credit card.
Can a pensioner get a credit card?
It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:
- Annual income. Look for credit cards with minimum annual income requirements you can meet.
- Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee.
- Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.
Does ING increase credit card limits?
You may want to increase your credit card limit for many reasons, such as having access to more spending money. However, if you are using the Orange One credit card issued by ING, you may not be able to do so.
ING customers can choose a credit limit of their preference when applying for the Orange One credit card. Depending on your financial situation, this limit can be anywhere between $1,000 and $30,000. If you qualify for a Rewards Platinum card, the minimum credit card limit will likely be $6,000.
Ideally, you should set your credit card limit knowing how much you can afford to repay each month and keep your expenses lower than this level. With most credit cards, you should have the option of requesting a credit card limit increase at a later time, although you will need to qualify for any increase. With an ING credit card, limit increases are out of the question (at the time this was published), which means you may want to apply for a higher credit card limit from the beginning. Remember that you have the option of decreasing your ING credit card limit at a later time.
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.
What should you do if your credit card is compromised?
Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.
Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.
Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.
Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.
What should you do when you lose your credit card?
Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.
Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.
Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.
Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.
Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.
How do you apply for a credit card?
You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.
How do you use credit cards?
A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.
How do I apply for a BOQ credit card limit increase?
If you’re an existing BOQ customer, you can request a BOQ credit card limit increase over a phone call. However, you should remember that owning and using a credit card is a matter of financial responsibility, so it might be worth thinking this decision through.
When requesting a credit card limit increase, you’ll need to be just as responsible in terms of how much you earn and can set aside to repay the outstanding card balance. A credit card company may approve a credit limit increase only if you can show that you have either the income or the disposable income, which is the amount you have left after all expenses have been paid out.
For this purpose, you may need to submit your latest income documents and bank statements for an increase. You may want to estimate how much you usually have left after deducting your expenses, and then use this amount to try and convince the credit card company. Also, you may prefer to pay off the card balance in full each month and thus avoid paying interest on the card, helping you back up any claims of financial responsibility, as well.
Remember that you may not be able to apply for a credit card limit increase beyond any limitations on the type of card you own. For instance, if you own a card whose ceiling is $10,000, and your current limit is $5,000, you won't likely be able to apply for a $10,000 credit card limit increase.
Should I get a credit card?
Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch.
How do you cancel a credit card?
It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.
What is a balance transfer credit card?
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
How to get a credit card for the first time
A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.
If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.
Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.
When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.
How do you use a credit card?
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
What does ANZ credit card insurance cover?
ANZ offers complimentary insurance on some of its credit cards, which can provide some protection against unforeseeable incidents, like the theft of your card. Depending on the type of credit card you own, you may be eligible for different insurances. For instance, most ANZ credit card customers may qualify for Purchase Protection Insurance and Extended Warranty Insurance. Customers who own premium credit cards may also be eligible for Guaranteed Pricing, Rental Vehicle Excess, International Travel, and so on.
Consider checking your ANZ credit card insurance features listed in the Insurance Policy Information booklet to know which items are covered. Also, while ANZ issued the credit card, they are not the insurer. For this reason, you may need to send your insurance claims - and get your ANZ credit card insurance refund - to the insurance provider.
How to pay a credit card
There are a few ways to pay a credit card bill. These include:
- BPAY - allows you to safely make credit card payments online.
- Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
- In a branch.
- Via your credit card provider's app.
How can I increase my Bankwest credit card limit?
When you apply for a Bankwest credit card, you get assigned a pre-set credit limit, which will end up being the most that you can spend on your credit card before having to pay it off. Your credit limit is chosen for you and your current financial situation, and you should remember not to overspend, irrespective of the limit, in order to avoid racking up a massive bill.
However, banks and lenders understand that your needs will change, and have made it possible for you to increase your credit card limit, allowing you to get extra cash when you need it most. Moreover, with a higher spending limit, you may be able to get access to certain perks and benefits with your Bankwest credit card.
To increase your Bankwest credit card limit, you can visit any of the bank’s branches or call 13 17 19 and follow the steps outlined.
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.