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ANZ Credit Card Insurance customers

Is ANZ Credit Card Insurance still right for you?

We know that as life changes, so do your insurance needs – which is why it's important to consider whether ANZ Credit Card Insurance is still right for you.

To help you make an informed decision, we have included important information you need to know.

More information can be found in the PDS.

What ANZ Credit Card insurance covers

What is covered

  • If you become involuntarily unemployed, or you're unable to work due to serious illness or injury:
    • The Insurer may pay you a monthly benefit for a maximum of 150 daysdisclaimer
    • The monthly amount will be 20% of the total amount outstanding on your ANZ credit card, as of the date you become involuntarily unemployed, seriously ill or injured
    • The maximum amount the Insurer may pay you will be the total outstanding balance as of the date you become involuntarily unemployed, seriously ill or injured

For example, if you become involuntarily unemployed and, on that date, you have a closing balance of $1,000 on your ANZ credit card, you may be eligible for a monthly payment of $200 for a maximum of 150 days/$1,000disclaimer

  • If you become seriously ill, injured, become permanently disabled, or pass away: the Insurer may pay a lump sum, based on the outstanding balance on your credit card at the time (up to a certain amountdisclaimer)
  • If your credit card is stolen or subject to fraud: the Insurer may pay a one-off payment of $200
  • If you're unable to work due to a spouse or dependent child being diagnosed with a critical illness: the Insurer may make a one-off payment of $500 on your credit card balance

Importantly, what this is not

  • It is not designed to completely cover you for all expenses you may incur if you become seriously ill, injured, involuntarily unemployed, suffer a total and permanent disability or if you pass away – this is simply designed to help you pay off your outstanding credit card balance
  • It is not an ongoing monthly benefit until you are able to return to work – where you become involuntarily unemployed or unable to work due to serious illness or injury, you may you receive a monthly payment (20% of your closing balance as at the date) for a maximum of 150 daysdisclaimer
  • It is not a comprehensive financial back up plan – given this is designed to cover your credit card balance only, it is likely to not be the only financial support you would need in the event of a serious illness, injury, unemployment, or total and permanent disability
  • And therefore, would also likely not be sufficient to maintain your current lifestyle
  • It is not intended to replace other insurance products for example life insurance, total and permanent disability (TPD) insurance, home loan or income protection

For more information about what you are covered for and to how to make sure your policy is right for you check out the Guide to using your ANZ Credit Card Insurance.



How to cancel your cover

If you’ve decided that you no longer want this cover, there are three easy ways you can cancel our cover at any time - over the phone, email or internet banking!

Send us an email

Simply email us at with your:

  1. Full Name
  2. Last four digits of the credit card where premiums are deducted from
  3. Registered email address with ANZ

Cancel via Email

Internet Banking

Log into Internet Banking and send us a message to cancel your policy.

Once logged into ANZ Internet Banking, select:

Contact Card Enquiries > General Card Enquiries > Credit card Insurance.

Cancel via Internet Banking 

Give us a call

Call us to cancel your policy on 13 16 14.

Call 13 16 14  

How to claim

Our claims team are here, ready to help. To start your claim email us with your:

  1. Full name
  2. Phone number
  3. Policy number (which is your credit card number)
  4. Claim type (e.g. involuntary unemployment, disability)
  5. Date of the claim event
  6. If you’re claiming for involuntary unemployment - a separation certificate or letter from your employer confirming you’ve been stood down

Email our claims team

Or call us on 13 16 14 and select Option 2 (Mon-Fri 9am-5pm Sydney/Melbourne time)

Any questions?

We can help you with questions about your policy. And if you are experiencing hardship, call us and we can review your cover with you. 


Call 13 16 14  

(Option 1) Mon-Fri 9am to 5pm (Sydney/Melbourne time)

Complimentary Insurance

If you are looking for information regarding Complimentary Insurance available for ANZ Credit Cardholders (including Travel insurance and Extended Warranty) 

ANZ Credit Card Insurance, ANZ CreditCover and ANZ Credit CoverPlus is issued by Zurich Australia Limited ABN 92 000 010 195, AFSL 232510 for Life Benefit, Accidental Death Benefit, Total and Permanent Disability Benefit and Critical Illness Benefit, and Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 for the Disability Benefit, Involuntary Unemployment Benefit, Family Trauma Benefit and Inconvenience Benefit. We recommend that you read the ANZ Financial Services Guide (PDF) and the relevant Product Disclosure Statement and Policy Documents (available online or by calling 13 16 14) for further information before deciding whether to continue to hold this product. This information is dated 1 December 2023 and may be subject to change.

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527) is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of these products are not Banks. Although ANZ distributed these products and except as described in the relevant PDS, ANZ does not stand behind or guarantee the issuers or the products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

Please refer to the PDS for benefit amounts. The benefit will be paid until: 

  • you are no longer ill or injured,
  • you are no longer unemployed,
  • your total outstanding balance as at the claim event date is paid in full, or
  • after receiving the benefit for 150 days

whichever is the earliest.