travel card st george

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

• fees to load the card – either a percentage of the total or a flat fee
• ATM withdrawal fees
• a cross currency fee or margin when you use the card in a currency you haven't preloaded
• further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

• No loading, reloading, closing or inactivity fees.
• Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
• A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
• Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
• The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

• Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
• Closure fee.
• Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

• Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

• Fee if you make a purchase with currencies not preloaded.
• Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

• Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

• Load fee instore, but free via Travelex website or app.
• Reload fee instore or via BPay, but free via Travelex website or app.
• Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

• Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
• Cash out (closure) fee. 

Travel money card tips

• Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
• Try to load your card with the right currencies and amounts on days with good exchange rates. 
• Make sure you know how to reload your card if you run out of funds while overseas.
• It may be more convenient to choose a card that has an app that can be linked to your bank account.
• Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
• Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
• Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

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St.George Worldwide Wallet

AUD, USD, EUR, GBP, NZD, CAD, JPY, THB, ZAR, SGD, HKD

Atm withdrawal fee

Minimum load, upper limit, monthly inactivity fee, customer reviews.

This product does not currently have any community reviews. Be the first to write one.

About Mozo’s Editorial Star Ratings

Mozo’s Editorial Star Ratings are a score out of 5 stars arrived at by the author of the review after careful consideration of a product’s rates, fees and features when compared with other products that offer similar features.

As a guide, this is how the Editorial Star Ratings should be interpreted:

• 5 stars - a best in class blend of great value and features
• 4 stars - excellent value and features overall
• 3 stars - good value and features overall
• 2 stars - below average, but may be worth considering for some people
• 1 star - well below average

Ratings are just one factor you may want to consider when choosing a financial product. Our ratings have been determined without considering your personal objectives, and a product with a high rating may not be the best one for you.

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• waste time waiting
• or spend time relaxing

Relax and enjoy complimentary access to select airport lounges worldwide if your flight is delayed.

Mastercard® Flight Delay Pass

In partnership with Worldwide Wallet issued with Westpac, BankSA, St.George, and Bank of Melbourne.

The number of people flying for leisure along with it, flight delays has increased over the years. Rather than let one upset your travel plans, safeguard your time with Mastercard Flight Delay Pass.

Should you encounter a delay for 120 minutes or more, you could be eligible for complimentary access to over 1,000 airport lounges in more than 100 countries with Mastercard Flight Delay Pass. Alternatively, if a lounge is unavailable, you could benefit from special dining offers at selected cafes and restaurants*. You are required to register for your flight prior to the flight's actual departure. Each leg of a multi-leg journey requires its own, separate, flight registration.

*The lounge access pass gives free access to select airport lounges, alternatively cardholders can use their lounge access pass to offset a dollar amount off the total bill at select dining options. This will vary based on location and affiliated LoungeKey Partners at the time. Click here for the list of LoungeKey airport lounge and/or dining options based on your departure airport, and the applicable terms and conditions. Once your flight has been registered, your LoungeKey pass will be sent to you via email and SMS in the event of a qualifying delay and can be used at any of the LoungeKey establishments at your departure airport.

Who does this service cover?

This exclusive service is complimentary for Worldwide Wallet cardholders. You can enjoy unlimited flight registrations on the Mastercard Flight Delay Pass program. In addition, you may invite one companion who is also travelling on the same flight — to join you in the lounge. If you are under 18 years old, you must be accompanied by an adult (over 18 years of age) to enter participating lounges.

AIRPORT LOUNGE ACCESS

Airport lounge access.

Besides providing you with a quiet and comfortable space to relax in, airport lounges offer a wide array of amenities*:

• Complimentary snacks and refreshments
• Free newspapers and magazines
• Free Wi-Fi and device charging stations
• Conference and business facilities

HOW IT WORKS

How does it work.

• To activate Mastercard® Flight Delay Pass, simply register your flight online for yourself and your travel companion(s).
• Flight registration must take place no later than the flight's actual departure time. You will need to register any additional or return flights separately. You will receive a confirmation email to acknowledge your registration.
• Should you change your mind, you may de-register your flight at any point before your actual departure.
• In the event of a flight delay** announcement of 120 minutes or more, we will immediately send you an email and SMS with your Mastercard Flight Delay Pass which will entitle you to complimentary airport lounge access. This service is also available in the case of rolling delays, eventually adding up to 120 minutes or more.
• Simply present your lounge access email or SMS at any eligible lounge to redeem your complimentary admission.

* Amenities may vary depending on the lounge.

** Delay must be officially announced by the airline as outlined and reported to our flight status data service provider

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St. George Global Currency Card Review

Learn about the St. George Global Currency Card in this review to help you decide whether this is the card for you.

• Reloadable Prepaid Visa Money Card
• Load up to 5 of 11 available currencies
• Lock in exchange rates
• Use easy St. George Global Currency card app
• No ATM withdrawal fee at over 50,000 ATMs globally

Pros and cons of using St. George Global Currency Card

• Change your PIN online
• App available to Apple and Android
• Up to $3000 emergency cash transfer
• Only open to existing customers
• Can only load AUD and convert
• Only 5 wallets can be active

Benefits of the St. George Global Currency Card

• Chip and PIN protected
• Visa Zero Liability Policy
• Back-up card issued with separate PIN

Convenience

• Have up to 5 out of 11 currencies available at any one time
• All your currencies on one simple prepaid card

• Free card and free replacement
• No initial fund reload
• No ATM withdrawal or balance enquiry fee at over 3,000 Westpac Group ATMs in Australia and over 50,000 ATMs globally via Global ATM Alliance partners
• Avoid the 3% St. George foreign transaction fee when shopping or getting cash in a currency loaded on the card

Manage Your Money

•  Load funds instantly online or through the mobile banking app or BPAY
• Organise all your required currencies into a ‘wallet’ system
• Check balance online, via the app, phone or ATM
• Influence and determine the priority of your wallets

All prices are in AUD

* No fee is applicable. The rate applicable to the conversion is the retail foreign exchange rate at the time of the conversion.

Currencies and Countries

Currencies supported.

• Australian dollars (AUD)
• US dollars (USD)
• Great British pounds (GBP)
• New Zealand dollars (NZD)
• Hong Kong dollars (HKD
• Canadian dollars (CAD)
• Singapore dollars (SGD)
• Thai baht (THB)
• Japanese yen (JPY)
• South Africa (ZAR)

Load Amounts

• Minimum Load: $50
• Maximum Load: $50,000

Transaction Limits

• ATM Withdrawal Limit (24 hours) : AUD 2,000 (or currency equivalent)
• POS Transaction Limit (24 hours): AUD 10,000 (or currency equivalent)
• St. George Bank International Transfer Fees

Harry is Australian and banks with St. George. He has booked a trip to the USA with his friends and noticed that St. George has a Travel Card exclusively open to existing customers. When Harry goes abroad, he usually converts his AUD into cash, but there has been occasions where he has lost money from his wallet and had to consequently draw out more, and incurring those pesky charges. When he researched about the St. George Global Currency card, he found out that he could easily apply online with no purchase or loading fee. He could simply convert his AUD into USD for his trip, and avoid ATM withdrawal charges abroad. He could also have top security with the automatic back-up card provided with a separate PIN. That way, if he ever lost his card he was still secure and safe.

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Travel card from St. George Bank

See the st george bank travel cards.

St. George Bank offers a travel money card on the following terms:

• is based on a prepaid Mastercard
• no account-keeping fees
• no foreign transaction charges
• no ATM fees at Global ATM Alliance partners
• convert currencies with no unloading commissions
• over 1,000 lounges around the world if your flight is delayed for 2 hours or more
• Mastercard Zero Liability protection
• participation in the Mastercard Travel Rewards program

You can order the travel money card at the nearest branch or in online banking. 

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Author: Prostobank Consulting

Updated: 01.09.2024

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St. George Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for st george eligible cardholders regarding covid-19.

Information on this page is correct as of  30 June 2022 .

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller  website and  World Health Organisation  (WHO) and  Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel. In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1800 091 710.

Information for Westpac Eligible Cardholders regarding COVID-19

From 30 June 2022, if during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under the following sections:

• 1.1 Overseas Emergency Assistance
• 1.2 Overseas Emergency Medical
• 1.4 Medical Evacuation & Repatriation
• 2.1 Cancellation
• 3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

Note, you won’t be covered while travelling against advice or warnings issued by the Australian government and you did not take reasonable care to avoid contracting the sickness, for example by delaying travel to the country listed in a warning.

The above is a summary only, please refer to  St. George Credit Card Complimentary Insurance Policy Information Booklet  for eligibility criteria, full terms, conditions, limits and exclusions.

A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet  St. George Credit Card Complimentary Insurance Policy Information Booklet  Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible St George Cardholders must submit a claim.

Eligible St George travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained. Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the St George Complimentary Insurance covers, please refer to Part D – Excesses & General Exclusions section and the section specific exclusions of the relevant St George Policy Information Booklet for which your eligible St George card is applicable under:   St. George Credit Card Complimentary Insurance Policy Information Booklet .

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on   www.smartraveller.gov.au ; or
• which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority. For example, if  Smartraveller   has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded. Or if a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if a St George Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant St George Policy Information Booklet for which your eligible St George card is applicable under:   St. George Credit Card Complimentary Insurance Policy Information Booklet .

If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, St George Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can St George Eligible Cardholders make a claim for consideration?

Every St George Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  St. George Credit Card Complimentary Insurance Policy Information Booklet .

If you would like to claim, we encourage you to claim online via  insurance.agaassistance.com.au/stgeorge .

Call the Allianz Global Assistance Claims team

St.George credit card complimentary travel insurance

Got a st.george credit card with travel insurance here’s what you need to know about cover and how to make a claim..

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In this guide

Which St.George credit cards have complimentary travel insurance?

• What’s covered by St.George complimentary international travel insurance?
• What do I need to do to use St.George’s credit card international travel insurance?

Pre-existing medical conditions

How to make a claim through your st.george credit card complimentary international travel insurance policy, other types of st.george complimentary credit card travel insurance, st.george credit card complimentary insurance for shopping, st.george business credit card complimentary insurance options, frequently asked questions.

St.George offers complimentary insurance on its platinum and signature credit cards, with policies that cover domestic and international trips, as well as cover for some of the things you buy with your card. The actual policies are underwritten by Allianz Australia Insurance Limited (Allianz).

Just like any insurance policy, there are conditions you need to meet to get cover and successfully make a claim. That's why it's always best to read the policy document. But we know reading terms and conditions can be hard, so we have pulled out the key details to give you a better picture of St.George’s complimentary credit card insurance.

Have a question or need to make a claim right now? Call Allianz Global Assistance on 1800 091 710 (Australia) or +61 7 3305 7468 (overseas).

As you can see, St.George offers complimentary international travel insurance for 4 cards but it separates them into Level 1 and Level 2 categories. The key difference between these levels is the length of cover you get for international travel insurance, as we’ve shown in the table.

Have a St.George credit card that’s not on this list? Check the terms and conditions available on the St.George website to see if your card is eligible.

What’s covered by St.George complimentary international travel insurance?

The cover you get is broken down into “benefits” based on what you can and can’t claim. It includes cover for medical and dental emergencies, cancellation and luggage, with selected COVID-19 cover from 30 June 2022. Some claims also have an excess you need to pay before you’ll get any money back (if your claim is approved).

To help you understand the cover available, we’ve put the key options for different types of claims and situations into a table. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with a St.George credit card

St.george complimentary international travel insurance for cancellation, delays and transport, luggage and personal items cover offered with st.george credit card complimentary insurance, hijacking, kidnap and personal liability cover offered with st.george complimentary credit card travel insurance, st.george credit card complimentary international travel insurance for death and funerals, st.george complimentary international travel insurance and covid-19.

From 30 June 2022, St.George complimentary international travel insurance has select cover for COVID-19 and other known pandemics and epidemics. This includes for:

• Overseas emergency assistance
• Overseas emergency medical
• Medical evacuation and repatriation
• Cancellation
• Additional expenses

To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. It also applies if a travel companion is positively diagnosed. But it won’t apply if you’re travelling against government advice or if the mass media have published details of advice or warnings against travel.

As there are specific conditions to meet for this type of cover, make sure you read the amended policy booklet or call Allianz on 1800 091 790 before you travel.

What’s not covered?

Every insurance policy has details of when you will and won’t get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.

To give you an idea, here are some of the key things you won’t be covered for with St.George credit card complimentary international travel insurance:

• Issues that come up because of alcohol or non-prescription drugs
• Travel that’s for the purpose of medical treatment
• If you’re a crew member or pilot of any of the transport
• If you’re over 81 or anyone relating to a claim is over 81
• Changes to your plans due to government restrictions
• If you or your partner gives birth during the trip, or there are complications arising after week 26 of the pregnancy
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing, and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more

Want cover for a skiing trip, bungy jumping or other overseas adventures? Check out adventure sport travel insurance costs and conditions.

What do I need to do to use St.George’s credit card international travel insurance?

At the moment, countries and regions around the world all have their own restrictions and guidelines around the coronavirus pandemic. These can change, so it’s worth checking where you can travel before booking anything.

Then, to get international travel insurance cover through your St.George credit card, you’ll need to meet the following requirements:

• Travel bookings. You need to use your St.George credit card to pay for at least $500 of your travel expenses before the start of the trip. An easy way to do this is to use your card to pay for your overseas flights or accommodation.
• Australian residency. You must live in Australia, and start and end your trip in Australia.
• Age. You’ll be covered if you’re under 81 years of age. If you’re over 81 and want overseas travel insurance, there are some policies you can buy that give you cover up to the age of 100 .

Does St.George credit card travel insurance cover family members?

Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (i.e. your children) can get cover under this policy when they’re travelling with you for at least half of your trip and meet the following requirements:

• They need to live in Australia, and start and end their journey in Australia
• They need to have a return travel booking before they leave
• At least $500 of their travel costs need to be paid for with your St.George credit card before the start of the trip
• They need to be under 81 years of age at the time they become eligible for the insurance

They also need to meet the same age requirements and other conditions of the insurance policy.

This complimentary international travel insurance only covers a few pre-existing medical conditions, with very specific circumstances.

Here, we’ve summarised the key details for conditions that are covered. If you have any pre-existing conditions, you should also look at the insurance document for full details or call Allianz on 1800 091 710.

🔥 Hot tip: The easiest way to find details in the insurance policy booklet is to open your digital copy and use the find tool (Ctrl+F or Cmd+F) to search for the terms (for example, “Pre-existing medical conditions”).

What if I don’t meet the requirements or have a different pre-existing condition?

In simple terms, you won’t get cover if you don’t meet the requirements for a pre-existing medical condition or if you have another pre-existing medical condition.

This means you won’t be able to make a related claim if you've previously seen a doctor or other qualified professional about a condition that ends up causing issues overseas. It's the same for any physical, medical, mental or dental condition that you’re aware of before you travel.

If you’re not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 091 710 to check if you can get cover. You can also apply to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.

Need cover for a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including high blood pressure, high cholesterol and physical disabilities.

Pre-existing medical condition definition for St.George credit card insurance

Travel insurance policies all have specific ways of looking at pre-existing medical conditions, so it’s really important you’re aware of the actual definition they use.

As well as the summary above, we have included the definition that’s in the current St.George card insurance policy document, effective from 1 March 2023 (page 18):

“A condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including:

• Any dental condition; or
• Any physical condition; or
• Pregnancy; or
• Any lifelong illness; or
• Any chronic illness; or
• Any mental illness; or
• Was treated by surgery (including day surgery); or
• Required regular medication; or
• Required on-going treatment; or
• Was referred to a specialist medical adviser; or
• Had regular reviews or check-ups; or
• Caused admission to hospital; or
• Was treated at a hospital emergency department or out-patient clinic”

Your first step should be to contact Allianz Global Assistance as soon as you think you might need to make a claim so that they can give you specific information.

You can do this by calling 1800 091 710 in Australia, or from overseas by calling the emergency assistance number: +61 7 3305 7468. You can also email [email protected] but may have to wait longer for a response. `

There are 2 main ways you can submit your claim:

You will hear back about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, it’s always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

So when you're travelling overseas with this cover, try to get as much written or photo evidence as you can for any claim you need to make. This could include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Official medical reports
• Police reports
• Photos of damaged items
• Emails or letters from airlines that relate to a claim
• Receipts or other proof of purchase

When you fill in the online claim form, you’ll also be asked for some key personal details, including part of your St.George credit card number (to confirm you’re eligible for cover).

Overseas transit accident insurance

• What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
• When can I use it? If you have paid for the entire trip with your eligible St.George credit card before you leave. If your partner or dependants are travelling with you, they'll also get cover.
• Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of 1 hand or foot has a maximum benefit of $250,000.

Interstate flight inconvenience insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and funeral expenses.
• When can I use it? You’ll get cover for up to 14 days in a row if you have paid for the entire trip with your eligible St.George credit card. Your spouse and any dependants can also get cover when you have used your St.George card to pay for their travel and they will be with you for at least half the trip.
• Is there an excess cost? There is a $300 excess for claims that relate to cancellation or luggage (except for delayed luggage). There are no excess costs for other claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,500 (or less if the amount specified in your rental vehicle agreement is lower).
• When can I use it? If you have paid for the vehicle hire with your eligible St.George credit card and the vehicle hire agreement lists an excess cost.
• Is there an excess cost? There is a $300 excess for each claim, including when you submit more than 1 claim at a time.

How to make a claim under one of these policies

Call Allianz on 1800 091 710. You can also get a claim form online at https://travel.agaassistance.com.au/nacb2c/stgeorge/make-a-claim and email it to [email protected] .

St.George credit cards give you access to other types of insurance, which are also provided by Allianz. Below is a snapshot of the different types.

Purchase protection insurance

• What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you’ve accidentally left in a hotel after checking out.
• When can I use it? If you use your eligible St.George credit card to pay for covered items, this insurance will apply for the first 4 months from when you get them. This cover is available for personal items bought anywhere in the world. If the item was a gift for someone else, that person needs to be a permanent Australian resident for the cover to apply.
• How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). Ideally, you should get written confirmation of this report. Then, call Allianz on 1800 091 710 or submit your claim through the Allianz online claim portal.
• Is there an excess cost? An excess of $300 per claim applies. There are also maximum claim amounts, which vary depending on the item, with a yearly maximum of $135,000 for all claims.

Extended warranty insurance

• What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
• When can I use it? If you used your eligible St.George credit card to pay for an item worth up to $20,000 and it came with an Australian manufacturer’s warranty of between 6 months and 5 years. You can make a claim if something happens after the original warranty period has ended.
• How can I make a claim? Call Allianz on 1800 091 710 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/ .
• Is there an excess cost? An excess of $300 per claim applies. There are also maximum claim amounts, which vary depending on the item.

Don’t have complimentary insurance on your credit card yet? Compare St.George credit cards or check out other cards that offer insurance .

St.George business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.

The St.George Amplify Business Card also offers complimentary overseas transit accident insurance if you have used it to pay for the entire overseas trip.

Want a credit card for your business? Compare a wide range of cards that offer insurance, rewards and other perks.

Does St.George credit card international travel insurance cover coronavirus?

Yes, some cover is available for COVID-19 and other pandemics or epidemics, including for overseas emergency medical and cancellation claims. There are very specific conditions you need to meet to make a claim, so it’s important to read the complimentary insurance policy document or call Allianz on 1800 091 710.

If you want more details about COVID-19 travel insurance, Finder also has a whole guide covering questions about this pandemic and travel insurance .

Can I get proof of my cover?

Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at http://www.checkyourcover.com.au/stgeorge .

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

More guides on Finder

This card offers a low ongoing purchase interest rate and up to $500 cashback offer.

New St.George Amplify Qantas Platinum cardholders can earn 50,000 bonus Qantas Points plus save with a first-year annual fee discount and complimentary insurance cover.

The St.George Amplify Qantas Signature Credit Card offers 80,000 bonus Qantas Points plus complimentary insurance covers.

The St.George Amplify Business is suited to smaller businesses, offering expense tracking tools and a $0 first-year annual fee.

Designed especially for larger businesses, the St.George Corporate Mastercard offers unlimited cards for employees and a suite of finance management tools.

The St.George Amplify Signature offers huge value to point-seekers, with a first-year annual fee discount and 150,000 points.

This platinum card offers bonus Amplify points, a discounted first-year annual fee and complimentary travel and purchase insurance.

As well as a $0 annual fee, the St.George No Annual Fee credit card offers a 24/7 security and the convenience of contactless payments.

Get up to 99 additional cards for employees, detailed monthly statements and a competitive purchase rate with the St.George BusinessVantage Visa.

Offers a 0.99% introductory rate on balance transfers for 28 months (with no BT fee) and a competitive purchase rate.

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18 Responses

Does my Vertigo Platinum complimentary travel insurance cover my husband and I if we have a 21-day mediterranean cruise included in our Europe trip, also we are taking our 19-year-old granddaughter with us can we include her in our policy as a dependent?

Usually an insurance policy through your credit card covers you and your travelling spouse, but may not cover any dependants. It would be worth contacting them to see if there is an option to add your granddaughter.

Their terms and conditions don’t specify whether their cover provides coverage for a cruise. You can contact them for clarification on 1800 091 710.

Does visa platinum complimentary travel insurance cover south pacific cruise?

Hi Daniela, If you’re going on a cruise or tour that requires proof of insurance, you can check your eligibility and cover online at http://www.checkyourcover.com.au/stgeorge . I hope this helps.

I have Advantage Platinum Visa card from St George, amI intitled to complementary travel insurance to travel to USA

Hi Nada, Yes, the St.George Platinum Advantage Credit Card offers complimentary international travel insurance for up to 3 months as it’s listed as a Level 2 card on the St.George website . To get cover, you’ll need to use your St.George credit card to pay for at least $500 of travel before you leave, have a return booking Australia and live in Australia, and be under 81 years of age. This guide has an overview of the cover but it’s important to read the insurance policy document for full details. Or call the insurance provider, Allianz Global Assistance, on 1800 091 710. I hope that helps.

Because I am stay overseas 7 months and I have with my amplify card 3 months can I pay for the 4 months..

Hi Georgia,

According to the current St.George Credit Cards Complimentary Insurance policy information booklet ( pdf ), you can’t extend this cover period. If you have questions about it, you can call Allianz on 1800 091 710.

Alternatively, you can compare other travel insurance policies on Finder to see if one fits with your travel plans. I hope that helps.

The current terms and conditions of the St George travel insurance dated Oct 2018 notes that not all cards have all the insurance cover and that each must be checked for each benefit. Overseas travel for instance does NOT include the Amplify Platinum. It was in the previous version dated 2015. The insurer says it does cover as a Level 2 card. St George says it is a Level 2 card in its card ads. But its policy doc does not include it. How to fix? I have contacted St George and Alliance to no effect.

Thanks for your message. Sorry to hear there is confusion on which terms and conditions to follow for the St. George complimentary insurance. I wish I could help you out however, while we review St. George in our pages, it’s helpful to know that we neither work with them or answer for their company. It would be best to contact the customer service support of Allianz directly for further assistance.

Hope this clarifies and we hope they find a quick resolution for you!

With care, Nikki

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