bankwest travel insurance platinum card

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Complimentary overseas travel insurance

If you have a Bankwest Platinum or World Mastercard ® , you may get some complimentary benefits – like overseas travel insurance. See what's covered, where to make a claim and how to upgrade.

Are you eligible?

You, your spouse and dependent children may get complimentary cover – as long as you’re travelling overseas together and have an open and activated eligible credit card.

The best bit? There's no minimum spend – the cover applies automatically if you're eligible.

You’ll have the basic benefits, with the option to upgrade for extra protection. There are some limitations and exclusions – like if you’re 80 or over, or have pre-existing medical conditions. For more information, refer to the Credit Card Insurance Product Disclosure Statement (PDF) .

Coronavirus (COVID-19)

COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now included for travellers whose journey commenced on or after 24 August 2022. If you have purchased any upgraded cover before 24 August, regardless of the date travel commences, COVID-19 cover is not included under Overseas Emergency Medical and Hospital Expenses benefit. There is no COVID-19 cover for cruise travel or cancellation claims related to COVID-19. Terms and conditions apply.

There is no cover under any other benefit for claims related to COVID-19 for all destinations. For more information please refer to the  Credit Card Insurance PDS (PDF) .

What are you covered for?

Existing medical conditions and age limits.

Some existing medical conditions (like diabetes or asthma) and pregnancies are automatically included in your complimentary insurance - as long as you meet the specified criteria for the conditions. Check the Product Disclosure Statement (PDS) to work out if you're covered.

If your condition isn't automatically included, or you don’t meet the criteria for cover, you can complete a health assessment online through Cover-More. If you're approved, you can then purchase additional cover.

If you’re 80 or over

Your complimentary overseas travel insurance doesn't include medical or health-related cover. If you like, you can call Cover-More directly to enquire about other travel insurance options.

Looking for extra protection?

You can buy comprehensive and extended cover options through the Cover-More upgrade portal. Access it through the Bankwest App, otherwise you can call Cover-More on 1300 468 340 .

Comprehensive cover

Buy cover for cancellation (up to $15,000 if it’s just you or up to $20,000 if it’s your family too – this is already included if you have a World Mastercard), rearrangement and a range of other extras - like rental vehicle insurance excess cover and travel delay expenses. Limits apply.

Extended cover

If you have a Gold or Platinum Mastercard, you can extend your cover by up to two months. If you have a World Mastercard, you can extend it by up to six months.

Before you upgrade, make sure you check our Financial Services Guide (PDF) .

Check your cover

See your complimentary cover and visit Cover-More to make a claim or upgrade – all from the Bankwest App. Go to the ‘ Cards ’ screen from the bottom menu, choose on your eligible credit card then ‘ View insurance details ’.  

Credit card insurance terms & conditions

24/7 emergency assistance, before you call.

It helps to have info about the incident, plus any reports, valuations and photos handy when you call Cover-More.

Phone numbers

• USA - 1833 567 5339
• UK - 0808 234 1925
• Canada - 1833 567 5339
• NZ - 0800 735 915

Charges apply if you’re calling from a mobile or payphone. You can also call direct on +61 2 8907 5615.

Making a claim

Go to cover-more’s online portal.

To make sure you know what you can claim for, see the Credit Card Insurance Product Disclosure Statement and Information Booklet (PDF) . Cover-More can help you with questions about your cover and the claims process.

1. See what you might need to have handy

• The time, date and location of the incident
• A copy of the statement for your eligible card
• Your police report, receipts, valuations and photos relating to your claim
• Your phone number (so they can call you back)
• Details of other parties involved.

Call 1300 468 340

Frequently asked questions

1. which cards are eligible for overseas travel insurance.

Bankwest Gold, Platinum and World Mastercard credit cards are automatically eligible.

2. Who’s covered under my insurance?

If your spouse and dependent children are travelling overseas with you, they’re protected too.

You no longer need to meet the minimum spend ($500 per person on prepaid travel expenses) in order to make them eligible.

3. Do I need a return ticket booked before I leave Australia?

No, you can book it while you’re overseas. Just keep in mind that the insurance is for travelling, not living overseas.

If you make a claim that includes a ticket to get you home, and you didn’t book one before you left, the cost of the fare will be deducted from the claim.

4. Where can I find my policy number?

You can find your complimentary policy number, upgraded policy numbers and claim info by calling or emailing Cover-More. Otherwise, you can do it from the Cover-More self-service portal through the Bankwest App.

5. Are my children eligible for overseas travel insurance?

Eligible dependent children are only covered if they travel with you for the entire trip.

Here’s Cover-More’s definition of an eligible dependent child:

• All unmarried children, up to and including 18 years of age, who the cardholder has sole custody of and who live with the cardholder
• All unmarried children, up to and including 18 years of age, of whom the cardholder has shared custody
• All unmarried children, from 19 years of age up to and including 21 years of age, who are full-time students attending an accredited institution of higher learning in Australia and who the cardholder has/had sole or shared custody, and who are dependent upon the cardholder for their maintenance and financial support
• All unmarried persons who are physically or mentally incapable of self-support who the cardholder has custody of and who live with the cardholder.

However, accompanied child/children never means an infant born on the journey.

For more info, call Cover-More on 1300 468 340 .

Need more help?

For questions about your cover and the claims process, call Cover-More. For help with your card, we're here 24/7.

Things you should know

Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Bankwest, a division of Commonwealth Bank of Australia (Bankwest).

Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You need to upgrade your overseas travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Credit Card Insurances Product Disclosure Statement and Information booklet (PDF) and Financial Services Guide (PDF) for details.

Bankwest and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Bankwest or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Bankwest) receive a commission which is a percentage of your premium.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Bankwest: travel insurance for a credit card

Discover the mastercard travel insurance program from bankwest.

Bankwest provides the automatic travel insurance cover for the cardholders of the following cards:

• Bankwest Platinum Mastercard – to 6 months trips
• Gold credit card – to 31 days
• World Mastercard – to 31 days

The travel insurance covers the cardholder and his children during a trip, and not living abroad.

The insurance cover includes:

• Abroad emergency medical assistance
• Abroad emergency hospital expenditures
• Baggage and personal goods
• Personal liability
• Accidental death
• Cancellation and additional expenditures for World Mastercard

If you have additional questions, you can dial 13-17-19.

You can also make Bankwest travel insurance claims on 1300-468-340.

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• Rewards for the Bankwest Qantas transaction account

All Bankwest FAQ

Author: Prostobank Consulting

Updated: 01.04.2024

• United States
• United Kingdom

In this guide

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Product details

Eligibility, how to apply, card benefits.

• Rates & fees

Your reviews

Ask a question, bankwest qantas platinum mastercard.

Earn up to 50,000 bonus Qantas Points with a new Bankwest Qantas Platinum Mastercard.

• Up to 50,000 bonus Qantas Points offer
• 0% foreign transaction fees
• Complimentary overseas credit card travel insurance
• Relatively high ongoing annual fee of $160 p.a. and purchase rate of 19.99% p.a.
• Earn rate per $1 spent is low compared to other Qantas cards

The Bankwest Qantas Platinum Mastercard gives you a way to earn Qantas Points on your everyday credit card spending. It also offers up to 50,000 bonus Qantas Points when you spend $3,000 in the first 90 days from card approval (40,000 points when you keep your account open in 3 months and 10,000 points in the 15th month). While Bankwest has not listed an end date, this promotion is only available for a limited time.

Eligibility criteria

• Eligible balance transfer. If you plan to take advantage of the balance transfer offer, you can transfer from $500 up to 95% of your credit limit from cards not issued by Bankwest.
• Residency. You must be a permanent Australian resident or citizen in order to apply online.
• Age. You must be at least 18 years old.

Required documents

• Personal information. You'll need to list your full name and will be asked to provide your contact details including your residential address, email address and a phone number.
• Proof of identification. You'll need to provide two forms of identification. This could include your Australian driver's licence, Medicare card or passport.
• Employment. This includes your length of employment and your employer's contact details.
• Finances. You'll be asked to include details regarding your income, expenses and assets.
• Frequent flyer number. If you're already a Qantas Frequent Flyer, you'll need to include your frequent flyer number so your points can be credited to your account.
• Balance transfer details. If you're conducting a balance transfer, you'll need to provide information about the debt(s) including how much you're transferring and where from.
• Up to 50,000 bonus Qantas Points. Earn up to 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases within the first 90 days (if you keep your account open for 3 months, you will receive 40,000 points and another 10,000 points in the 15th month). To give you an idea of the potential value of these bonus points, you could use them to redeem a return economy flight for two between Sydney and Adelaide (48,000 Qantas Points) or $225 worth of Woolworths digital gift cards (46,680 points for two $100 gift cards and one $25 gift card). Note that this offer is only available to new Bankwest Qantas Platinum Mastercard customers. To be eligible, you need to apply during the promotional period.
• Qantas Points per $1 spent. You'll earn 0.6 Qantas Points per $1 spent on eligible purchases, up to $2,500 per month and 0.3 points per $1 spent thereafter. Please note that you won't earn points on balance transfers. If you're not already a Qantas Frequent Flyer, the $99.50 membership fee is waived if you join while applying for this card.
• 0% foreign transaction fee. You can shop online or overseas and save with no foreign transaction fees. Cash advance fees will still apply if you use the card for overseas ATM withdrawals or cash-equivalent transactions.
• Complimentary overseas travel insurance. As of 9 December 2019, the Bankwest Qantas Platinum card offers complimentary overseas travel insurance for up to 31 consecutive days through Cover-More. All you have to do to get the insurance is have the card open while you're travelling. If you meet the eligibility requirements, you'll be covered for overseas emergency medical & hospital expenses, baggage & personal goods, personal liability and accidental death with the option to upgrade for additional protection.
• Purchase covers. Complimentary purchase security cover provides protection from loss, theft or accidental damage of your purchases made anywhere in the world for 3 months from the date of purchase, for up to $125,000 a year. The extended warranty cover adds 12 months to any Australian manufacturer's warranty that comes with your goods. The purchase price guarantee scheme allows you to claim the difference on a purchased item if you find it available at a lower price (at least $75) within three weeks of the transaction.
• Mobile wallet and contactless payments. You can link this card to Google Pay , Samsung Pay and Apple Pay , available on compatible Android, Samsung and Apple devices.
• Balance transfer offer. This card offers 2.99% p.a. on balance transfers for the first 9 months. Any unpaid balance left at the end of the introductory period will revert to the standard rate of 19.99% p.a.

Rates & fees

• Annual fee. This card attracts an annual fee of $160 p.a.
• Purchase rate. This card has a standard purchase interest rate of 19.99% p.a.
• Cash advance fee and rates. If you use the Bankwest Qantas Platinum Mastercard to withdraw cash or for any other cash advance transactions, you will have to pay a fee of 3% of the transaction amount or $4 (whichever is greater). These transactions will immediately attract interest at the cash advance rate of 21.99% p.a.
• Interest-free days. If you pay your closing balance, excluding any balance transfers, in full by the statement due date, you can take advantage of up to 44 interest-free days on purchases.
• Minimum credit limit. The credit limit on this card starts at $3,000.
• Additional cards. You are allowed up to 3 additional cardholders under one account. There is a $0 annual fee for supplementary cards.
• Bankwest Qantas Platinum Mastercard information PDF
• Bankwest Qantas Platinum Mastercard TMD

To ask a question simply log in via your email or create an account .

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March 10, 2024

Hi, I’m trying to find the details on eligible purchases. I want to take my card to California. The 0% foreign transaction fee is a key feature but possibly not worth it if what I in supermarkets, restaurants and fuel etc is not considered eligible. Can you direct me please? Thank you

Elizabeth Barry Finder

March 26, 2024

Eligible purchases are all purchases made on the card except for the following: – Cash advances – Balance Transfers – Interest charges – Credit fees and charges – Bank fees and charges – Transactions Bankwest decide are disputed due to being fraudulent or which involve an abuse of your card – Foreign exchange purchases – Travellers cheques – All purchases for gaming or gambling transactions including gambling chip purchases and online gambling purchases – BPAY payments ie. bill payments and other payments made through the BPAY Electronic Payments Scheme – Government charges (other than GST payable in connection with the purchase of goods and services on which you earn Qantas Points) – Credit card protection insurance – Business Related Expenses – Any other transactions the bank “reasonably determine from time to time should be excluded”

This list comes from the terms and conditions PDF for the credit card which you can find here .

Hope this helps,

September 19, 2023

is the annual fee including the annual qantas rewards program fee?

Amy Bradney-George Finder

September 21, 2023

Hi Angela, This card doesn’t have an annual Qantas Rewards Program Fee. So the annual fee listed is what you’d pay for the account each year. I hope this helps.

Irene Burgess

August 04, 2023

Hi How is the maximum credit limit determined? and what is the maximum credit limit if there is one? thanks Irene

Hi Irene, The credit limit is determined based on details provided when you apply for a credit card, including your income, expenses and credit report/score. All lenders in Australia have to assess the applicant’s ability to repay the total credit limit, with interest, over a 3-year period as part of Australia’s responsible lending requirements. Bankwest doesn’t list a specific maximum limit available for this card but Finder does have a guide about how to estimate or calculate a credit limit that may be suitable for you. I hope this helps.

September 27, 2019

Will I receive Qantas FF points when paying utilities such as electricity, water, gas, council rates and Foxtel with my Qantas platinum credit card?

Cheers, John

Jeni Finder

September 28, 2019

Thank you for getting in touch with Finder.

You may earn QFF points on paying utilities with your Bankwest Qantas Platinum Mastercard so long that you’re not processing the payment via BPay. BPAY payments like bill payments and other payments made through the BPAY are exmpeted to earn Qantas Frequent Flyer points.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

james Cairns

March 15, 2018

When buying a return overs airline tick, can the costs of the required minimum of $500 using the bankwest qantas platinum card be shared using another non bank west card?

Nikki Angco

March 22, 2018

Thanks for your message.

Since the minimum cost is under the terms and conditions of Bankwest Qantas Platinum card, the cost cannot be shared by a non-Bankwest card.

Hope this helps!

Best regards,

Sally McMullen

Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full profile

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Bankwest Credit Cards

Bankwest qantas platinum credit card.

Updated 25 January 2024

Earn up to 50,000 Bonus Qantas Points when you spend $3000 on eligible purchases in the first 90 days and keep your card open for over 15 months. The Bankwest Qantas Platinum card lets you earn 0.6 Qantas Points for every $1 spent on eligible purchases on the first $2,500 spent per month, and 0.3 points thereafter. This card has further platinum features, including a minimum credit limit of $3,000, no foreign transaction fees on online or overseas purchases, a platinum concierge, complimentary overseas travel insurance and extended warranty on purchases. T&Cs apply.

Points Earn Rate (per $1 spent)

Capped at $2500, then 0.3 pts per $1 spent

Rewards Program

Qantas Frequent Flyer

Bonus Points

Up to 50k pts

Spend $3,000 in the first 90 days and keep your card open for over 15 months

Annual Fee (p.a.)

• 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend, my monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Pros and cons

• Earn up to 50,000 Bonus Qantas Points when you spend $3,000 on eligible purchases in the first 90 days and keep your card open for over 15 months
• Earn 0.6 Qantas Points per $1 on the first $2500 spent per month, and 0.3 points thereafter
• Add up to 3 additional card holders at no extra cost
• Complimentary overseas travel insurance for you and your family
• No foreign transaction fees on online and overseas purchases
• Waived Frequent Flyer membership joining fee ($99.50 in value)
• 2.99% p.a. on balance transfers for first 9 months for new customers
• Up to 12 months extra warranty on new purchases
• Pay with your compatible device using Apple Pay, Google Pay and Samsung Pay
• $160 p.a. annual fee

Creditcard.com.au review

Editor review, the bankwest qantas platinum credit card.

Allowing cardholders to earn rewards on the Qantas Frequent Flyer program, the Bankwest Qantas Platinum Credit Card offers an earn rate of 0.6 Qantas Points per $1 on the first $2500 spent per month, and 0.3 points thereafter. Platinum perks on offer include complimentary Qantas Frequent Flyer membership, travel and retail insurance cover, and no foreign transaction fee.

What we love...

With Bankwest Qantas Platinum Credit Card, you can get up to 50,000 Bonus Qantas Points with a minimum spend requirement of $3,000 on eligible purchases in the first 90 days and keeping your card open for over 15 months.

You can earn 0.6 Qantas Points per $1 on the first $2500 spent per month, and 0.3 points thereafter.

Another point of difference on the Bankwest Qantas Platinum Credit Card is its range of platinum perks. With no foreign transaction fees, cardholders could save on purchases made overseas, either made in person while travelling, or while shopping online at international retailers. Considering some cards charge 4% on these transactions, this card could offer big savings indeed.

In addition, the Bankwest Qantas Platinum Credit Card offers included insurances covering travel and retail purchases. These include overseas travel insurance, interstate flight inconvenience insurance and transit accident insurance, as well as price guarantee, extended warranty and purchase security insurance.

What’s not so great...

While many providers have wound back their offerings on rewards cards and frequent flyer cards, cardholders may still expect a higher earn rate on a platinum Qantas credit card than this card offers. To work out whether it offers value to you, look at your annual spend to calculate how many points you’ll earn, then consider the value of those points compared to the annual fee.

Why should you choose this card?

If you want a Qantas credit card with a few nice platinum extras on the side, the Bankwest Qantas Platinum Credit Card could be the card for you. With its range of travel insurance and absence of foreign transaction fees, it could also work well for keen travellers, or anyone who enjoys shopping online at overseas merchants.

For its annual fee, you can enjoy the platinum perks mentioned above, plus a complimentary Qantas Frequent Flyer membership, saving you $99.50. Other features on offer include free worldwide emergency card replacement, up to 44 days interest-free on purchases, and 2.99% p.a. on balance transfers for nine months.

Overall Rating

A worthy option for cardholders who want platinum perks and everyday points earning on the Qantas Frequent Flyer program, the Bankwest Qantas Platinum Credit Card provides a selection of excellent extras, including no foreign transaction fees and included insurances.

User reviews

Bankwest qantas platinum credit card ( based on 8 creditcard.com.au user reviews ), 73% rating based on 8 reviews, customer service, 75% of users who have rated this card would recommend it, review the bankwest qantas platinum credit card.

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Personal Finance Expert - Creditcard.com.au

Creditcard.com.au Visitor

All the plantium benefits and reasonable annual fee. No charges for using the card overseas, easy to earn points and get rewards. Bonus points when account first opened. Free insurance and warrnaty.

Good card if you travel a lot - you don't have to pay foreign transaction fees (good for online shopping I've found), you get travel insurance and you get some good purchase insurance too. Good points earning plus sign up bonus. Get it for the 0% purchase offer if nothing else! Recommended long term card though.

Rates and fees

Interest rates.

Purchase rate 19.99 % p.a.

Cash advance rate 21.99 % p.a.

Interest free period on purchases up to 44 days

Balance transfer

Balance transfer rate 2.99 % p.a. for 9 months

Balance transfer revert rate 19.99 % p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 95% of approved credit limit

Brands you can't balance transfer from Bankwest

Credit limits

Minimum credit limit $3,000

Maximum credit limit N/A

Fees & repayments

Annual fee $160 p.a.

Additional cardholder fee Up to 3 at no extra cost

Foreign transaction fee 0%

Minimum repayment 2% or $20 (whichever is greater; closing balance applies if less than $20)

Cash advance fee 3% or $4 (whichever is greater)

Late payment fee $25

Rewards and points

Rewards program

Bonus points Up to 50k points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in the first 90 days and keep your card open for over 15 months

Earning points with this card

Qantas Rewards points 0.6 points per $1 spent

Points cap per month Capped at $2500, then 0.3 pts per $1 spent

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Pay with your compatible device using Apple Pay, Google Pay™ and Samsung Pay

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Complimentary Qantas Frequent Flyer membership is available from Bankwest if you join at qantas.com/joinffbankwest.

Key features

Minimum criteria to apply for this card.

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Permanent resident or citizen of Australia

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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Akiko danker, grahame booth, sharon stewart, featured credit cards.

$1 earn rate  

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

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

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

Up to 80,000 bonus Qantas Points

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

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Qantas American Express Ultimate Credit Card

100,000 bonus qantas points.

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

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

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Bankwest Plantinum card - free travel insurance experience - Australia Forum

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Has anyone had to make a claim using Bankwest's "free" travel insurance that comes with their Platinum Zero Mastercard.

I have read through the PDS and to be honest it seems pretty comparable to many other travel insurance companies (with similar inclusions/limits etc), however I am kind of wondering what the "catch" is.

My partner and I are looking at a 6 month trip to US and South America, so insurance would be around $1200. This is a big amount that we can potentially save, however I don't want to be caught short with a shoddy/difficult insurance company, if something were to go wrong.

If anyone has actually had to make a claim through Bankwest (Zurich) via this policy I would love to know what your experience was. Thank you in advance!

I think this card is fairly new, so you may not get any first-hand experience.

For what it is worth, in 2008 I had to spend 2 days in intensive car in a French hospital. The insurance company providing the cover with my ANZ Platinum Visa paid up promptly and without quibble.

you will probably find that the terms and conditions of the Insurance cover being provided will require part of the trip to be paid for on the card. The amount varies from card to card.

I have had claims on my AMEX Platinum Card Insurance without any difficulty.

I was more just curious if anyone had any experience when in comes to actually making a claim. like any insurance, the cover is only good if the claims process is quick and easy, and i know from research online that some companies are far better for the claims process than others.

if anyone has had to claim via Zurich insurance and has had good/bad experience please let me know! thanks!

I have similar insurance through my ANZ platinum visa. The banks change their contracts with the insurers from time to time. Mine was originally with GRE but is now with QBE. I have made several small claims all with no problems. Just be sure to check that it does cover you for the number of days you are going to be away though. As they do usually have a limit of between 60 and 90 days.

This topic has been closed to new posts due to inactivity.

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Why the Amex Platinum Is the Only Card I’ll Use To Book Flights

Carissa Rawson

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The Amex Platinum Card Earns Me the Most Points

The amex platinum card has excellent travel insurance, amex’s global lounge collection is industry-leading, amex points are my favorite flexible currency, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Although I’m not technically a digital nomad, I fly enough to qualify as one.

With trips taking me on roughly 100 flights per year, I’ve done a lot of research when it comes to booking airfare.

Though I have plenty of credit cards to spare, The Platinum Card ® from American Express always finds its way to the front when it comes time to pay — here’s why.

There are plenty of credit cards that earn bonus points on travel , and especially airfare. However, the Amex Platinum card personally beats out others, despite its $695 annual fee ( rates & fees ).

This is because it earns 5x American Express Membership Rewards points per $1 spent (up to $500,000 per year) on flights booked directly with the airline or via AmexTravel.com .

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

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If you travel often, you know that booking with a third party , such as Expedia, Priceline, Orbitz, or even an issuer’s travel portal, can save you some money. But it can also lead to huge amounts of headache s if your flight needs to be changed or canceled or if there are crazy delays and you need to be rerouted.

This is because booking through a third-party agency makes them responsible for your ticket rather than the airline, so they need to be the middleman.

Compare the Amex Platinum card’s earning rates to other premium travel rewards cards :

• Chase Sapphire Reserve ® : 5x points per $1 spent on Chase Travel; 3x points on all other travel purchases
• Capital One Venture X Rewards Credit Card : 5x miles per $1 spent on airfare booked with Capital One Travel,

In order to earn these elevated rewards, you’ll need to book your flights with either issuer’s travel portal, which means you’ll be using a third party. That opens you up to issues in the event your travel plans change, which mine often do.

While the Amex Platinum card does have a limit on your 5x earnings up to $500,000 annually, I’ve never even come close to hitting the cap. This means that I’m always able to book directly with the airline while still earning the most rewards.

I’ll admit that I’m not the biggest proponent of travel insurance . I know that it’ll protect you if you get injured, lose your bags, or have travel delays, but purchasing a policy goes against my “spend as little as possible” ethos when it comes to travel.

That’s another reason why I love the Amex Platinum card and use it for my flights. As a premium travel card, it offers complimentary travel insurance . For it to kick in, I need to pay for my travel with my card and it will apply in eligible scenarios.

What kind of travel insurance is offered? A lot:

• Rental car insurance (secondary)
• Trip cancellation and interruption insurance
• Trip delay insurance
• Baggage insurance plan
• Premium Global Assist Hotline (emergency medical evacuation and emergency medical transport)

There are two things that really stand out when it comes to the Amex Platinum card’s travel insurance: emergency medical evacuation and emergency medical transport as part of the Premium Global Assist Hotline. Neither of these has a cap, which isn’t something you’ll find often, even when purchasing a policy.

There is only one exception where I’ll use a card other than the Amex Platinum card to pay for my flights, and that’s when I’ve booked an award flight.

This is because Amex has limitations on its baggage insurance plan for award flights, whereas competitors, such as the travel insurance on the Chase Sapphire Reserve card , do not. In this case, the Amex Platinum card won’t cover lost luggage unless you’ve paid the ticket in cash or you’ve used Amex Membership points for your flight. Other award flights outside of this don’t count :

“Other loyalty programs (i.e. non-American Express) do not qualify on purchases redeemed in part or full or pre-arranged travel cost,” according to the terms of baggage insurance plan on the Amex Platinum card. “An example would be common carrier frequent flyer miles point redemption.”

I’m not a snob about a lot of things, but airport lounge access is certainly one of them. I know that as more credit cards offer lounge access, they can be crowded.

That’s one reason I value the Global Lounge Collection offered by Amex’s high-end cards.

This collection includes a Priority Pass Select membership (upon enrollment), Centurion Lounges, Escape — The Centurion Studio lounges, Plaza Premium lounges, Lufthansa lounges (when flying Lufthansa), Delta SkyClubs (when flying Delta), and more.

That’s far more than you’ll get with other credit cards and lessens the chance that you’ll find yourself in a standing-room-only situation.

This is probably not the most popular opinion, but I think Amex Membership Rewards beat out Chase Ultimate Rewards , Capital One Miles , Citi ThankYou points , and Bilt Rewards .

While each currency has their own strengths and weaknesses, Amex points fit my travel style better than the others. Sure, I love that Chase has World of Hyatt (and it’s where I use my points most often) and that Citi transfer to Choice at double Amex’s rate, but Amex has more usable transfer partners .

I’ll be even more unpopular and say that I’ll often transfer Amex points over to Hilton Honors at a 1:2 ratio, especially when they’re offering a transfer bonus . This isn’t usually a good idea, but I spend my Hilton points at high-end resorts such as the Conrad Maldives and the Conrad Bora Bora , where I can easily net 5-10 cents in value per point. That makes it worth it for me.

Other transfer partners that I frequently use include:

• ANA MileageClub : For low-cost business class flights to Europe
• Avianca LifeMiles : For Lufthansa first class
• Virgin Atlantic Flying Club : For first and business class redemptions on ANA
• Qantas Frequent Flyer : For cheap Air Tahiti Nui flights to French Polynesia

Beyond transfer partners and the Amex Platinum card, I also find Amex points easier to earn . This is due to a variety of reasons, including their robust lineup of Amex point-earning cards , Amex Offers (upon enrollment), and their Rakuten partnership.

I’m not going to throw out all my other credit cards in favor of the Amex Platinum card — I love points and miles too much ever to let that happen. But there’s certainly a strong case for it sticking around in my wallet.

Sure, it offers lots of statement credits (enrollment required for some benefits) and other perks. But I’ll keep the Amex Platinum card to book my airfare. And it’ll stay that way until someone else can match the high earnings and travel insurance offerings, which I don’t anticipate happening anytime soon.

For the car rental loss and damage insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the premium global assist hotline benefit of the Amex Platinum card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

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About Carissa Rawson

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.

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