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Complimentary insurances with your ANZ credit card

We often don't think about insurance until we actually need it. Whether you need it now or not, you may be eligible for some complimentary travel or shopping insurance with your ANZ credit card.

 From 9 December 2026 and 24 March 2027, changes will be made to complimentary insurance benefits. Find out more.

Changes to complimentary insurance benefits on ANZ credit cards

We're updating the complimentary insurance benefits available with eligible ANZ Platinum and Black credit cards.

These changes will be introduced in two phases:

  • On and from 9 December 2026, we’re introducing three levels of insurance benefits across eligible ANZ credit cards. Some cards will have reduced cover and removal of benefits, and others will no longer include complimentary travel insurance.
  • On and from 24 March 2027, additional changes will apply to certain cards. Some cards will have reduced cover and removal of benefits, and others will no longer include complimentary travel insurance.

For more information on these changes including how different cards will be affected, please see below.

You should review the updated Policy Information Booklet for your card to understand the changes to your cover and consider whether alternative travel insurance arrangements may be appropriate for your circumstances.

See what complimentary insurances are available

Select your card category below to see what complimentary insurances you may be eligible for on your existing ANZ credit card.

For ANZ Platinum and Black credit cards:

The eligible ANZ Platinum and Black credit cards are as follows:

  • ANZ Frequent Flyer Platinum
  • ANZ Frequent Flyer Black
  • ANZ Rewards Platinum
  • ANZ Rewards Black
  • ANZ Rewards Travel Adventures (no longer for sale)
  • ANZ Platinum

Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable sub-limits and eligibility criteria that apply.disclaimer

ANZ Platinum and Black Policy Information Booklet*

Outline of changes to the Policy Information Booklets

*For insurable events that occur before 9 December 2026 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet dated 7 June 2024. For insurable events that occur on or after 9 December 2026 but before 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet dated 9 December 2026. For insurable events that occur on or after 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet dated 24 March 2027.

For ANZ First credit cards:

The eligible ANZ First credit cards are as follows:

  • ANZ First
  • ANZ First Low Interest Visa (no longer for sale)

Refer to the policy information booklet for terms, conditions, exclusion, limits, applicable sub-limits and eligibility criteria that apply.disclaimer

You could be eligible for these complimentary insurancesdisclaimerwhen you make eligible purchases using your eligible ANZ First credit card (see list below):

See your insurance booklet

International Travel Insurance

From 9 December 2026 and 24 March 2027, there will be changes to complimentary international travel insurance on ANZ credit cards. Some cards will have reduced cover and removal of benefits, and others will no longer include complimentary international travel insurance.

To understand what this means for you, refer to the section below 'Changes to complimentary insurances'.

Before you travel overseas, read your Policy Information Booklet for full eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.

You can also check your eligibility by calling 1300 135 271 (within Australia), Monday to Friday, 8am to 5pm (Sydney/Melbourne time) excluding public holidays.

Emergency and medical assistance

If your condition is life threatening, please call local emergency services.

Allianz Global Assistance are on call 24 hours a day, 7 days a week. Please contact us using the following contact details:

Call us

 1800 010 075 within Australia

+61 7 3305 7465 from overseas

Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.

Email or fax

Email medical@allianz-assistance.com.au

Fax +61 7 3305 7005

Other overseas numbers

Find the number you need from our list below

 

Emergency contact numbers table 1

Country

Telephone

Australia

1800 010 075

Canada

1800 214 5514

China North

10800 610 0434

China South

10800 261 1323

France

0800 905 823

Germany

0800 182 7635

Greece

0800 611 4107

Hong Kong

800 900 389

India

00080 0610 1108

Indonesia

0018 036 1098

Italy

800 787 451

Japan

0066 3386 1052

Malaysia

1800 815 102

Netherlands

08000 0232 683

New Zealand

0800 778 103

Singapore

800 61602187

Spain

900 996 115

Switzerland

0800 561 361

Thailand

001 800 612 1082

United Kingdom

0800 289 270

United States

1866 844 4085

How to make a claim

Please pick any of the following options to make a claim to the Allianz Global Assistance/ANZ Travel team:

Online

Lodge your travel claim online or obtain a claim form for other complimentary covers.

 Claim online

24 hours a day, 7 days a week

Call us

1300 135 271

8am to 5pm AEST, Monday to Friday (except public holidays)

Please note that calls from mobiles, public telephones or hotel rooms may attract additional charges.

 

 

Mail

Email ANZTravelTeam@allianz-assistance.com.au

Or

Post your completed claim form to Allianz Global Assistance, Locked Bag 3014, Toowong DC, QLD 4066

Changes to complimentary insurances

We're updating the complimentary insurance benefits available with eligible ANZ Platinum and Black credit cards.

These changes will be introduced in two phases:

  • Phase 1 - on and from 9 December 2026, we’re introducing three levels of complimentary insurance across eligible ANZ credit cards. Some cards will have reduced cover and removal of benefits, and others will no longer include complimentary international travel insurance.
  • Phase 2 - on and from 24 March 2027, additional changes will apply to certain cards, including further reductions to travel insurance benefits and the removal of complimentary travel insurance from some cards.

What's changing?

ANZ is introducing three levels of complimentary insurance. The level assigned to your card determines the complimentary insurance benefits available to you.

Depending on your card, the changes may include:

  • reductions in the maximum period of complimentary international travel insurance cover;
  • reductions to trip cancellation and personal liability cover limits;
  • the removal of certain international travel insurance benefits;
  • the introduction of a narrower international travel insurance product focused on overseas medical, cancellation and personal liability cover; and/or
  • the removal of complimentary travel insurance benefits altogether.

Card Levels

ANZ credit cards will be grouped into three insurance levels. The level assigned to your card determines the cover available.

Card Level effective 9 December 2026

Level 1 Card means any of the following cards issued by ANZ:

  • ANZ Frequent Flyer Black; or
  • ANZ Rewards Black. 

 

Level 2 Card means any of the following cards issued by ANZ:

  • ANZ Frequent Flyer Platinum;
  • ANZ Platinum; or
  • ANZ Rewards Travel Adventures.

 

Level 3 Card means any of the following cards issued by ANZ:

  • ANZ Rewards Platinum.

Card Level effective 24 March 2027

Level 1 Card means any of the following cards issued by ANZ:

  • ANZ Frequent Flyer Black.

 

 

Level 2 Card means any of the following cards issued by ANZ:

  • ANZ Frequent Flyer Platinum;
  • ANZ Platinum; or
  • ANZ Rewards Travel Adventures.

 

Level 3 Card means any of the following cards issued by ANZ:

  • ANZ Rewards Black; or
  • ANZ Rewards Platinum.

Summary of insurance cover by card level

Summary of cover effective 9 December 2026

Please refer to the summary table below to determine the complimentary insurance benefits that may be available to you depending on your card level, effective on and from 9 December 2026.

The complimentary insurance benefits and period of cover available to your card are outlined in detail in the Policy Information Booklets depending on your card level. The summary table is provided for convenience only and should be read together with the full terms, conditions, limits and exclusions contained in this booklet, including the applicable eligibility requirements.

 

summary

Benefits and Card Levels

 Level 1 Level 2 Level 3

International Travel Insurance (for people aged under 81 years)

*The cover available for Level 2 Cards is limited to Overseas Emergency Assistance (including medical evacuation and repatriation), Overseas Emergency Medical, Overseas Emergency Dental (spontaneous toothache), Cancellation and Personal Liability benefits only. Refer to the International Travel Insurance section for full eligibility requirements, conditions, limits and exclusions including the benefit limits that apply to Level 2 Cards.

  
Domestic Travel Insurance  

Rental Vehicle Excess Insurance in Australia

  

Purchase Protection Insurance

Extended Warranty Insurance

Summary of Cover effective 24 March 2027

Please refer to the summary table below to determine the complimentary insurance benefits that may be available to you depending on your card level, effective on and from 24 March 2027.

The complimentary insurance benefits and period of cover available to your card are outlined in detail in the Policy Information Booklets depending on your card level. The summary table is provided for convenience only and should be read together with the full terms, conditions, limits and exclusions contained in this booklet, including the applicable eligibility requirements.

 

summary

Benefits and Card Levels

 Level 1 Level 2 Level 3

International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)

      
Domestic Travel Insurance      

Rental Vehicle Excess Insurance in Australia

      

Purchase Protection Insurance

      

Extended Warranty Insurance

      

How different ANZ Platinum and Black credit cards will be affected

Frequently asked questions

On and from 9 December 2026, the ANZ Rewards Platinum credit card will be assigned as a Level 3 Card and complimentary travel insurance benefits will no longer be included with the card. This means the card will no longer include:

  • International Travel Insurance;
  • Domestic Travel Insurance; and
  • Rental Vehicle Excess Insurance in Australia.

Eligible claims relating to events occurring before 9 December 2026 may continue to be covered, subject to the policy terms and eligibility criteria. Purchase Protection Insurance and Extended Warranty Insurance will remain available.

On and from 9 December 2026, the ANZ Rewards Black credit card will be assigned as a Level 1 Card and existing insurance coverage will continue unaffected at that time.

On and from 24 March 2027, the ANZ Rewards Black will be assigned as a Level 3 Card and complimentary travel insurance benefits will no longer be included with the card. This means the card will no longer include:

  • International Travel Insurance;
  • Domestic Travel Insurance; and
  • Rental Vehicle Excess Insurance in Australia.

Eligible claims relating to events occurring before 24 March 2027 may continue to be covered, subject to the policy terms and eligibility criteria. Purchase Protection Insurance and Extended Warranty Insurance will remain available.

On and from 9 December 2026, the ANZ Platinum, ANZ Frequent Flyer Platinum and ANZ Rewards Travel Adventures credit cards will be assigned as Level 2 Cards.

Changes to complimentary International Travel Insurance will include:

  • maximum cover period reducing from up to three (3) months to up to one (1) month;
  • trip cancellation cover reducing from $20,000 to $10,000 per cardholder or spouse;
  • personal liability cover reducing from $3 million to $1 million per event; and
  • the removal of certain International Travel Insurance benefits, with cover limited to:
    • Overseas Emergency Assistance (including medical evacuation and repatriation);
    • Overseas Emergency Medical;
    • Overseas Emergency Dental (spontaneous toothache);
    • Cancellation; and
    • Personal Liability.

The International Travel Insurance benefit will be renamed “International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)” from 24 March 2027.

On and from 9 December 2026, the ANZ Frequent Flyer Black will be assigned as a Level 1 Card. Existing insurance coverage will continue unaffected at this time.

From 24 March 2027, changes to complimentary International Travel Insurance will include:

  • maximum cover period reducing from up to six (6) months to up to two (2) months;
  • trip cancellation cover reducing from $20,000 to $10,000 per cardholder or spouse;
  • personal liability cover reducing from $3 million to $1 million per event; and
  • the removal of a range of International Travel Insurance benefits, with cover limited to:
    • Overseas Emergency Assistance (including medical evacuation and repatriation);
    • Overseas Emergency Medical;
    • Overseas Emergency Dental (spontaneous toothache);
    • Cancellation; and
    • Personal Liability.

The International Travel Insurance benefit will be renamed “International Travel Insurance (Overseas Medical, Cancellation and Personal Liability for people aged under 81 years)” from 24 March 2027.

Your cover depends on when the insurable event occurs, not when you booked your travel.

  • If the insurable event happens before 9 December 2026 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 7 June 2024.
  • If the insurable event happens on or after 9 December 2026 but before 24 March 2027 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 9 December 2026.
  • If the insurable event happens on or after 24 March 2027 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 24 March 2027.

Your cover depends on when the insurable event occurs, not when you booked your travel.

  • If the insurable event happens before 9 December 2026 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 7 June 2024.
  • If the insurable event happens on or after 9 December 2026 but before 24 March 2027 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 9 December 2026.
  • If the insurable event happens on or after 24 March 2027 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 24 March 2027.

Your cover depends on when the insurable event occurs, not when you booked your travel.

If the insurable event happens on or after 24 March 2027 and the eligibility criteria have been met, access to cover will be determined under the terms of the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 24 March 2027.

Cancellation Cover is assessed based on when the insured event giving rise to the claim occurs (for example, illness, injury, death, natural disaster or another covered event), not when travel is booked, paid for or commenced.

If the insured event occurs:

  • Before 9 December 2026, the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 7 June 2024 will apply.
  • On and from 9 December 2026, but before 24 March 2027, the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 9 December 2026 will apply.
  • On and from 24 March 2027, the ANZ Platinum and Black Personal Credit Cards Insurance Policy Information Booklet dated 24 March 2027 will apply.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. For insurable events that occur before 9 December 2026 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 7 June 2024. For insurable events that occur on or after 9 December 2026 but before 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 9 December 2026. For insurable events that occur on or after 24 March 2027 please refer to the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) dated 24 March 2027. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ First Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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