Important notice about our personal credit cards
We’re making the following changes to some of our Westpac Credit Cards.
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:
- Westpac Credit Cards Complimentary Insurance Policy Information booklet (PDF 853KB) effective 23 February 2023
New policies:
- Westpac Credit Card International Travel Insurance Product Disclosure Statements (PDF 1MB) effective 1 October 2026.
- Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF 513KB) effective 1 October 2026.
What’s changing?
The Complimentary Insurance included with your card will now only comprise the following cover:
- Complimentary International Medical Travel Insurance1; and
- Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia1
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 (PDF 1MB) 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 Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF 1MB) effective 1 October 2026 and Westpac Credit Card Domestic Complimentary Insurance - Policy Information Booklet (PDF 513KB) effective 1 October 2026.
International Travel Insurance
| Benefit | Current Westpac Credit Cards Complimentary Insurance Policy | 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 PDSs2 |
Optional paid upgrade Limits apply – refer to PDSs2 |
|||
| 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 | $100,00 | No cover | No cover | |||
| Luggage, Personal Effects & Valuables | $30,000 | Optional paid upgrade $10,000 Sub-limits apply – refer to PDSs2 |
Optional paid upgrade $20,000 Sub-limits apply – refer to PDSs2 |
|||
| 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 | ||
|---|---|---|---|---|
| Benefit Limit* | Benefit Limit* | |||
| 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 |
Frequently asked questions
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 (PDF 513KB) and the Westpac Credit Card International Travel Insurance Product Disclosure Statements (PDF 1MB) 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 apply1 & 2.
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 (PDF 853KB) (effective 23 February 2023) as long as your trip finishes on or before 30 September 2027. The maximum period of cover limits still apply.
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 (PDF 513KB) (effective 1 October 2026) and the Westpac Credit Card International Travel Insurance Product Disclosure Statements (PDF 1MB) (effective 1 October 2026), provided you meet the terms and conditions and eligibility criteria1 & 2.
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 (PDF 853KB) (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.
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 (PDF 853KB), dated 23 February 2023. The maximum period of cover limits still apply.
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.
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 | Activation required |
|---|---|
| Eligibility criteria met before 1 October 2026 and travel completed on or before 30 September 2027 | No, you don’t need to activate |
| Eligibility criteria met on or after 1 October 2026 | Yes, you’ll need to activate via Westpac Online Banking or the Westpac App |
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 Insurance1 (effective 1 October 2026) you’ll be asked if you want to upgrade your insurance.
No, you don’t need to activate the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia1. 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.
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
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.
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:
- 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.
- 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
- any dependant(s) are aged under 25 years old at the time the cardholder activates this cover; and
- each spouse and/or dependant has a return overseas travel ticket before leaving Australia;
- 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
- 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.
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.
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 travelers 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.
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 (PDF 853KB) (effective 23 February 2023) for purchases made prior to 1 October 2026.
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 (PDF 1MB) (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 Insurance2 (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 Westpac Complimentary Credit Card Features
We’ll be introducing the following complimentary features to our Low Fee Platinum and Rewards Credit Cards.
Complimentary Global Data Roaming by FlexiRoam3 – Effective 1 October 2026
Cardholders will be eligible to receive a complimentary 3GB Global Data Roaming plan, valid for 15 days across more than 150 destinations worldwide.
As an eligible cardholder, you'll 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/Qantas/Velocity Black Mastercard
Complimentary Flight Delay Access Pass4 – Effective 1 October 2026
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/Qantas/Velocity Black Mastercard
- Altitude Rewards/Qantas/Velocity Platinum Mastercard
- Low Fee Platinum Mastercard
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 (PDF 1MB), effective 1 October 2026, Westpac Domestic Complimentary Travel Insurance - Policy Information Booklet (PDF 513KB) and TMD before deciding.
- Westpac Credit Cards Complimentary Insurance Policy Information booklet (PDF 853KB) effective 23 February 2023.
Read the Westpac Online Banking Terms and Conditions (PDF 713KB) before making a decision if this product is right for you.
View the Westpac Retail and Business Banking Financial Services Guide and Credit Guide (PDF 218KB)
*Sub-limits apply - refer to the Policy Benefits section of the Policy Information Booklet and Product Disclosure Statement for details.
1Complimentary International Medical Travel Insurance (Complimentary Policy), Westpac Credit Cards Complimentary Insurance (effective 23 February 2023) Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Complimentary Policy is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions limits and applicable sub-limits contained in the Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. The Target Market Determination for the Complimentary Policy is available at Westpac Travel Documents. For events occurring or eligibility met prior to 1 October 2026, please read the Westpac Credit Cards Complimentary Insurance Policy Information Booklet (PDF 853KB) (effective 23 February 2023).
2Comprehensive International Travel Insurance (Comprehensive Policy): When you upgrade your cover by purchasing the Comprehensive Policy and purchase any Optional Covers, Westpac arranges this insurance as agent for AGA. AGA issues and manages travel insurance as agent for the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply. Westpac, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is appropriate for you. Before making a decision, please consider the Product Disclosure Statements. The Target Market Determination is available at www.allianzpartners.com.au/policies/. Westpac and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.
3 Eligible Westpac cardholders are entitled to data roaming benefits provided by FlexiRoam. Terms, conditions, and data usage limits apply. For full details, please review the official terms at westpac.com.au/ccglobaldataroamingterms (PDF 302KB)
4 For Flight Delay Access Pass Terms and Conditions (PDF 229KB) apply.
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