Protection for your ANZ credit card.

Additional features

Easy application, convenient payments

Man on bike

Get cover fast with no health questions.

Apply for ANZ Credit Card Insurance when you take out a new ANZ credit card - or any time after. We’ll automatically calculate your monthly premiums to match your card balance5.

The lower your outstanding balance, the less you’ll pay

5 View conditions

Accidental death benefit

Credit card insurance - couple piggy-backing

An extra payment to your loved ones.

If you die in an accident, we’ll pay off your credit card in full, and pay an extra benefit to your estate equal to the outstanding balance of your ANZ credit card.

Up to $50,000 extra for accidental death

How to apply or find out more

Call 13 16 14

Talk to a specialist in our call centre: Call 13 16 14 8am–8pm (Sydney time), Monday to Friday.

Call 13 16 14 Call 13 16 14


Apply as part of your new ANZ credit card application.

At a branch

Drop in to an ANZ branch.

Making a claim Show more

We understand if you need to make a claim, it may come at a difficult time. So we try to make the process as straightforward as we can.

Here’s how to claim:

To get started call 13 16 14 to tell us about your claim. 

Depending on the type of claim, we’ll need you to provide some extra information. We’ll let you know what you need to send us when you advise us of your claim.

For disability or involuntary employment claims, you’ll need to fill out one of these forms:

Send the completed forms plus any other information we ask for to us:

Waiting and qualifying periods

There are waiting and qualifying periods before you can claim. Please see the see the ANZ Credit Card Insurance Product Disclosure Statement and Policy Document for details.

ANZ CreditCover and ANZ CreditCover Plus customers

If you are an existing customer with an ANZ CreditCover policy, please read the Product Disclosure Statement for ANZ CreditCover - no longer for sale (PDF 796kB) or 

If you are an existing customer with an ANZ CreditCover Plus policy, please read the Product Disclosure Statement for ANZ CreditCover Plus - no longer for sale (PDF 456kB).


Not sure? Learn more about insurance Show more

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Important information Show more

1 If you receive a medical consultation for any illness or injury in the six months before you purchase the policy, and that illness or injury leads to a claim after the firth six months after the policy commences, you will not be covered. Please see the ANZ Credit Card Insurance Product Disclosure Statement and Policy Document (PDS) for details.

2 There is no cover available for the Involuntary Unemployment Benefit or Disability Benefit if you are:

  • Working in a permanent part time capacity less than 10 hours a week, or
  • Self-employed or working in a casual, contract, seasonal or temporary capacity for less than 10 hours a week, or if you have not been in that same occupation on a continuous basis for 90 days.
  • Please see the PDS for details.

3 A qualifying period is applicable to the payment of the Total and Permanent Disability Benefit, Disability Benefit and Involuntary Unemployment Benefit. Please see the PDS for details.

4 There is no cover if within 90 days of the policy commencing you are diagnosed with a critical illness or the symptoms leading to the critical illness become apparent.

5 We calculate your premium based on your closing balance on the date your statement cycle ends — not the due date for payment.

6 Outstanding balance as at the claim event date.

*  The monthly amount payable for a valid claim may be less than the Income Benefit selected at the time of application, depending on your ‘pre-claim earnings’ and ‘other payments’. The maximum monthly benefit available depends on your occupation category at time of application, and is up to $10,000 for a standard risk occupation, and up to $3,000 for a special risk occupation. When you apply, we will class your occupation as standard risk or special risk. If you are classed by us as having a special risk occupation, your Income Benefit is not payable for a disability caused by the occupational duties you perform.

ANZ Credit Card Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) (OnePath Life) and OnePath General Insurance Pty Limited (ABN 56 072 892 365). ANZ Income Protection is issued by OnePath Life. ANZ Loan Protection is jointly issued by OnePath Life and QBE Insurance (Australia) Limited (ABN 78 003 191 035). 

This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

ANZ recommends that you read the ANZ Financial Services Guide and the ANZ Credit Card Insurance, ANZ Income Protection or ANZ Loan Protection Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, these products.

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