Important notice about our personal credit cards
We’re making the following changes to some of our Westpac Credit Cards.
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At a glance:

Complimentary Insurance Changes - Effective 1 October 2026

New complimentary credit card features - Effective 1 October 2026

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Westpac Credit Cards Complimentary Insurance changes - Effective 1 October 2026

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance. The following Westpac Credit Cards are impacted:

Eligible Cards

  • Altitude Black Mastercard®
  • Altitude Qantas Black Mastercard
  • Altitude Velocity Black Mastercard
  • Low Fee Platinum Mastercard
  • Altitude Platinum Mastercard
  • Altitude Qantas Platinum Mastercard
  • Altitude Velocity Platinum Mastercard

Policy Information Booklets

The existing and updated booklets are available below:

Current policy:

New policies:

What’s changing?

The Complimentary Insurance included with your card will now only comprise the following cover:

  • Complimentary International Medical Travel Insurance;[#] and
  • Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]

What’s different in this new policy?

  • The Complimentary International Medical Travel Insurance will be limited to (as set out in the policy):

    • Overseas Emergency Assistance (including Medical Evacuation and Repatriation)
    • Overseas Medical & Hospital Expenses (including Dental)
    • Funeral Expenses
    • Personal Liability

  • Benefits such as Trip Cancellation, Travel Delay and Luggage will no longer be included. Should you require these benefits you will need to consider purchasing Comprehensive International Travel Insurance to upgrade your cover.

  • To be eligible for the Complimentary International Medical Travel Insurance you must now activate the policy before you leave Australia.

  • You don’t need to activate to be eligible for Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia cover.

  • The policy excesses (where applicable) are changing:

    • Complimentary International Medical Travel Insurance is increasing to $500 (from $300)
    • Complimentary Domestic Travel Insurance is decreasing to $100 (from $300)

  • The maximum trip duration of cover for Complimentary International Medical Travel Insurance is decreasing to:

    • 1 month for Altitude Platinum Mastercard, Altitude Qantas Platinum Mastercard, Altitude Velocity Platinum Mastercard
    • 3 months for Altitude Black Mastercard, Altitude Qantas Black Mastercard, Altitude Velocity Black Mastercard and Low Fee Platinum Mastercard

  • Extended Warranty, Purchase Protection and Overseas Transit Accident Insurance will no longer be included.

  • At activation, you can choose to upgrade your cover by purchasing Comprehensive International Travel Insurance or add optional extras for an additional cost if it suits your travel needs. Before purchasing any Comprehensive International Travel Insurance, please review the Product Disclosure Statements and the Financial Services Guide.

All complimentary cover will continue to be provided by Allianz Global Assistance on behalf of the insurer, Allianz Australia Insurance Limited.

Westpac Credit Card Travel Insurance Comparison

The below tables provide a summary of the changes.

For full details, please refer to the:

International Travel Insurance

Benefit Current Westpac Credit Cards Complimentary Insurance Policy New Complimentary International Medical Travel Insurance and optional Comprehensive Travel Insurance New Complimentary International Medical Travel Insurance and optional Comprehensive Travel Insurance
Maximum Total Benefit Limit[#] Cardholder limit[#]
Dependants are included in the limits available
Cardholder & Spouse Limit[#]
Dependants are included in the limits available
Overseas Emergency Assistance (incl. Medical Evacuation & Repatriation)
  • Unlimited
  • $20 million
  • $40 million
Overseas Medical & Hospital Expenses
  • Unlimited
  • $20 million
  • $40 million
Overseas Emergency Dental (spontaneous toothache)
  • $2,000
  • Included in Overseas Medical & Hospital Expenses
  • Included in Overseas Medical & Hospital Expenses
Evacuation and Repatriation
  • Unlimited
  • Included in Overseas Emergency Assistance
  • Included in Overseas Emergency Assistance
Hospital Cash Allowance
  • $15,000
  • Optional paid upgrade $5,000 ($50 per night after an initial 48 hours)
  • Optional paid upgrade $10,000 ($50 per person, up to $100 per night, after an initial 48 hours)
Accidental Death
  • $50,000
  • Optional paid upgrade $50,000
  • Optional paid upgrade $100,000 ($50,000 per person)
Funeral Expenses
  • Unlimited
  • $60,000
  • $120,000
Loss of Income
  • $12,000
  • No cover
  • No cover
Assault requiring Hospital admission
  • $500
  • No cover
  • No cover
Cancellation
  • Unlimited
  • Optional paid upgrade
    Limits apply – refer to PDSs[#]
  • Optional paid upgrade
    Limits apply – refer to PDSs[#]
Accidental Death (specified relative living overseas)
  • $5,000
  • No cover
  • No cover
Additional Expenses
  • Unlimited
  • Optional paid upgrade $50,000 ($2,000 for pre existing medical condition of a relative)
  • Optional paid upgrade $100,000 ($2,000 per person up to $4,000 for pre existing medical condition of a relative)
Travel Delay
  • $1,100
  • Optional paid upgrade $3,000 ($300 after an initial 6-hour delay then again for each consecutive 24 hour period)
  • Optional paid upgrade $6,000 ($300 per person, up to $600, after an initial 6-hour delay then again for each consecutive 24 hour period)
Alternative Transport Expenses
  • $3,750
  • Optional paid upgrade $5,000
  • Optional paid upgrade $10,000
Theft of Cash
  • No cover
  • Optional paid upgrade $250
  • Optional paid upgrade $500
Return home and Resumption of Journey following death of a relative
  • $12,500
  • No cover
  • No cover
Permanent Disability
  • No cover
  • Optional paid upgrade $50,000
  • Optional paid upgrade $100,000 ($50,000 per person)
Pet Accommodation
  • $500
  • No cover
  • No cover
Hijack
  • $20,000
  • No cover
  • No cover
Kidnap & Ransom
  • $100,000
  • No cover
  • No cover
Luggage, Personal Effects & Valuables
  • $30,000
  • Optional paid upgrade $10,000
    Sub-limits apply – refer to PDSs[#]
  • Optional paid upgrade $20,000
    Sub-limits apply – refer to PDSs[#]
Travel Documents, Travel Cards and Travellers Cheques
  • $1,250
  • Optional paid upgrade $5,000
  • Optional paid upgrade $10,000
Luggage & Personal Effects Delay Expenses
  • $1,600
  • Optional paid upgrade $1,000 (Minimum delay 10 hours)
  • Optional paid upgrade $2,000 (Minimum delay 10 hours)
Rental Vehicle Excess
  • $5,500
  • Optional paid upgrade $6,000
  • Optional paid upgrade $6,000
Personal Liability
  • $2.5 Million
  • $5 Million
  • $5 Million

Domestic Travel Insurance

Benefit Current Westpac Credit Cards Complimentary Insurance Policy – Interstate Flight Inconvenience New Westpac Domestic Complimentary Travel Insurance
Cancellation
  • $3,000
  • $3,000
Flight Delay
  • $500
  • $500
Luggage – lost
  • $1,500
  • $1,500
Luggage Delay
  • $500
  • $500
Funeral Expenses
  • $5,000
  • No cover
Additional Expenses
  • No cover
  • $1,000

Other Complimentary Insurances

Policy Area / Feature Current Westpac Credit Cards Complimentary Insurance Policy New policy
Purchase Protection Insurance
Extended Warranty Insurance
Overseas Transit Accident Insurance

Excess

The following excess amounts apply for each claim made under the following covers.

Current Westpac Credit Cards Complimentary Insurance Policy New Westpac Credit Cards Complimentary Insurance Policy
Westpac Credit Card International Travel Insurance $300 $500
Domestic Travel Insurance $300 $100
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Westpac Credit Cards Complimentary Insurance - Frequently asked questions

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When do these changes come into effect?

These changes come into effect from 1 October 2026.

This means from 1 October 2026 the new Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet and the Westpac Credit Card International Travel Insurance Product Disclosure Statements will apply and you need to activate your insurance via Westpac Online Banking or the Westpac App to be eligible for Complimentary International Medical Travel Insurance. Terms and conditions and eligibility apply.[#][#]

What happens to existing travel bookings, or travel bookings made between now and 1 October 2026?
If you’ve met the terms and conditions and eligibility criteria including meeting minimum spend on prepaid travel before 1 October 2026 (even if you’re travelling later), you’ll continue to be covered under the current Westpac Credit Cards Complimentary Insurance Policy Information booklet (effective 23 February 2023) as long as your trip finishes on or before 30 September 2027. The maximum period of cover limits still apply.
What about travel booked on or after 1 October 2026?
For new travel where eligibility is met on or after 1 October 2026, you’ll be covered under the new Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (effective 1 October 2026) and the Westpac Credit Card International Travel Insurance Product Disclosure Statements (effective 1 October 2026), provided you meet the terms and conditions and eligibility criteria.[#][#]
I’ve already applied and received a letter of eligibility from Allianz Global Assist for my future travel, do I still need to activate my Complimentary International Medical Travel Insurance after 1 October 2026?

No. Providing you have met the terms and conditions and eligibility criteria for travel booked before 1 October 2026, you’ll continue to be covered under the Westpac Credit Cards Complimentary Insurance Policy Information booklet (effective date 23 February 2023), for travel that completes on or before 30 September 2027. You’re also not required to activate prior to travel.

For new travel where eligibility is met on or after 1 October 2026, you’ll be required to activate your insurance via Westpac Online Banking or the Westpac App and will be covered under the new policy provided you meet the terms and conditions and eligibility criteria.

I’ll be overseas on the 1 October 2026 when the new policy takes effect, which policy am I covered on?
Providing you’ve met the terms and conditions and eligibility criteria, you’ll be covered under the existing Westpac Credit Cards Complimentary Insurance Policy Information booklet, dated 23 February 2023. The maximum period of cover limits still apply.
How do I activate the new Complimentary International Medical Travel Insurance?
Providing you’ve met the terms and conditions and eligibility criteria, you can activate your policy from 1 October 2026 on Westpac Online Banking or the Westpac App. Activation details will be provided on 1 October 2026 when the activation process becomes available.
Do I need to activate my Complimentary International Medical Travel Insurance before I travel?

Yes, if you meet the terms and conditions and eligibility criteria on or after 1 October 2026 you’ll need to activate the Complimentary International Medical Travel Insurance. Please refer to the table below on activating your International Medical Travel Insurance.

Eligibility and Travel dates

  • Eligibility criteria met before 1 October 2026 and travel completed on or before 30 September 2027
    Activation required: No, you don’t need to activate
  • Eligibility criteria met on or after 1 October 2026
    Activation required: Yes, you’ll need to activate via Westpac Online Banking or the Westpac App
Can I upgrade the Complimentary International Medical Travel Insurance to Comprehensive International Insurance?
Yes, from 1 October 2026, providing you have met the terms and conditions and eligibility criteria, you have the option to purchase an upgrade and pay a premium to access Comprehensive International Travel Insurance, which is issued and managed by Allianz Global Assistance on behalf of the insurer, Allianz. When you activate your Complimentary International Medical Travel Insurance[#] (effective 1 October 2026) you’ll be asked if you want to upgrade your insurance.
Do I need to activate the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia covers?
No, you don’t need to activate the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia.[#] Eligibility requirements apply for both products including for Domestic Travel Insurance the entire cost of your return domestic flight ticket being charged to the accountholder’s card account prior to commencing the journey. Terms and conditions and eligibility requirements apply for cover.
Which Westpac Credit Cards include complimentary insurance?

From 1 October 2026, the following credit cards include Westpac Credit Cards Complimentary Insurance (effective 1 October 2026). Terms and conditions and eligibility criteria apply.

  • Westpac Low Fee Platinum
  • Westpac Altitude Platinum Mastercard
  • Westpac Altitude Qantas Platinum Mastercard
  • Westpac Altitude Velocity Platinum Mastercard
  • Westpac Altitude Black Mastercard
  • Westpac Altitude Qantas Black Mastercard
  • Westpac Altitude Velocity Black Mastercard
I’ve already notified Allianz Global Assistance that I have a pre-existing medical condition and received my Letter of Eligibility including the Medical Terms of Cover document. Will I still be covered?
Yes, if Allianz Global Assistance has agreed in writing to cover you for any pre-existing medical conditions, this will be honoured for travel where you’ve met the eligibility criteria before 1 October 2026 and completed travel on or before 30 September 2027 under the existing Complimentary International Travel Insurance cover.
Is my spouse/dependant eligible for Complimentary International Medical Travel Insurance (effective 1 October 2026)?

If the cardholder is eligible for the cover under the Westpac Credit Cards Complimentary Insurance (effective 1 October 2026), the cardholder’s spouse and up to 10 dependants also become eligible when each of them individually meets all of the following eligibility criteria:

  1. you activate cover for your spouse and/or dependant(s) journey before leaving Australia. You can activate the cover on Westpac Online Banking or the Westpac App from 1 October 2026

  2. your spouse and/or dependant(s) have a permanent home in Australia and:

    • are a permanent resident of Australia; or
    • hold a current Australian visa - but not a tourist or working holiday visa - that will remain valid after your journey ends and allows you unrestricted right of entry into Australia; or
    • hold a valid Australian Medicare card; and

  3. any dependant(s) are aged under 25 years old at the time the cardholder activates this cover; and

  4. each spouse and/or dependant has a return overseas travel ticket before leaving Australia;

  5. each spouse and/or dependant is travelling with the cardholder for at least 50% of the period of cover made available to the cardholder for the cardholder’s journey; and

  6. before leaving Australia at least $500 of each of the spouse and/or dependant(s) prepaid travel costs are charged to the accountholder’s card account or you upgrade your cover by purchasing Comprehensive International Travel Insurance (effective 1 October 2026). Prepaid travel costs include your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour.

Do I need to activate the Complimentary International Medical Travel Insurance policy for my spouse/dependant?
Yes, from 1 October 2026, you’ll need to activate cover for a spouse and/or dependant(s) journey before leaving Australia on Westpac Online Banking or the Westpac App. Eligibility criteria and terms and conditions apply.
Do any age limits apply?

Yes. Complimentary International Medical Travel Insurance (effective 1 October 2026) is only available to eligible cardholders and spouses under the age of 81 years. Cover for any cardholder or spouse aged 81 years or over is available to both the cardholder and spouse should they choose to upgrade their cover by purchasing Comprehensive International Travel Insurance with Allianz.

Comprehensive International Travel Insurance (effective 1 October 2026) is available to eligible travellers of all ages.

Adventure Pack and Snow Pack are only available for eligible travelers under the age of 81 years.

Terms and conditions and eligibility criteria apply.

Is my Purchase Protection/Extended Warranty Insurance still valid?
We’ll continue to honour the Extended Warranty Insurance and Purchase Protection Insurance under the current policy, Westpac Credit Cards Complimentary Insurance Policy Information booklet (effective 23 February 2023) for purchases made prior to 1 October 2026.
If I have purchased an upgraded comprehensive policy with Allianz, but cancel my Westpac Card, am I still covered?

Yes, if you’ve purchased an upgrade to a Comprehensive International Travel Insurance Policy (which includes Complimentary International Medical Travel Insurance), cover will continue under the Westpac Credit Card International Travel Insurance Product Disclosure Statement (effective 1 October 2026). For any claims you’ll need to contact Allianz Global Assistance on 1800 091 710 or via the Online Claims Portal.

If you haven’t purchased an upgrade to a Comprehensive International Travel Insurance[#] (effective 1 October 2026) policy, you will not be covered under the Complimentary International Medical Travel Insurance (effective 1 October 2026) if you cancel your Westpac credit card.

New complimentary credit card features – Effective 1 October 2026

We’ll be introducing the following complimentary features to our Low Fee Platinum and Rewards Credit Cards.

roaming

Complimentary Global Data Roaming by FlexiRoam[#]

Each eligible Card Account will be eligible to receive a complimentary 3GB Global Data Roaming plan, valid for 15 consecutive days across more than 150 destinations worldwide.

The eligible Card Account holder will also receive a 20% discount on additional FlexiRoam data plans. Simply register via the FlexiRoam app to redeem, select SIM options and activate your benefit. Limited to one complimentary plan per calendar year. Terms and conditions apply.

Eligible cards

  • Altitude Rewards Black Mastercard
  • Altitude Qantas Black Mastercard
  • Altitude Velocity Black Mastercard
flightdelay

Complimentary Flight Delay Access Pass[#]

You and up to four travelling companions may be eligible for complimentary access to more than 1,800 airport lounges worldwide if your registered flight is delayed by 120 minutes or more. There is no limit to the number of flights you can register. To be eligible, you need to register prior to departure. Terms and conditions apply.

Eligible cards

  • Altitude Rewards Black Mastercard
  • Altitude Qantas Black Mastercard
  • Altitude Velocity Black Mastercard
  • Altitude Rewards Platinum Mastercard
  • Altitude Qantas Platinum Mastercard
  • Altitude Velocity Platinum Mastercard
  • Low Fee Platinum Mastercard
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Things you should know

This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the Westpac Credit Card International Travel Insurance Product Disclosure Statements, effective 1 October 2026, Westpac Domestic Complimentary Travel Insurance - Policy Information Booklet and TMD before deciding.

Read the Westpac Online Banking Terms and Conditions before making a decision if this product is right for you.

View the Westpac Retail and Business Banking Financial Services Guide and Credit Guide.

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