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 closing balance of your credit card statement, 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 the total amount outstanding6 on your credit card (up to a maximum of $50,000) and pay an extra benefit equal to this amount to your estate.

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

Online

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 unemployment claims, you will need to fill out one of these forms:

In addition to the claim form please also complete the:

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 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).

Updates to your policy terms and conditions

Please read A reminder about your credit card insurance for some important updates to your policy terms and conditions.

Not sure? Learn more about insurance Show more

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 first 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 Total amount outstanding means the outstanding balance of your nominated credit card account, including any purchase or cash advance made by you before the claim event that has not yet appeared on your monthly statement for your nominated credit card account.

*  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.