Travel & rewards credit cards
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Help with loansComplimentary Insurance
Many of our Citi credit card cardholders are eligible for complimentary insurance cover. Check below to see if your
credit card provides any complimentary insurance covers.
Important changes to Complimentary Insurances
Effective 1 July 2025 - For some Citi Credit Cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 - International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance will be removed from the Citi Rewards Card.
Read summary of changes for further details and how it will affect your insurance cover.>>
If you need to make a travel claim, we encourage you to do so online. If you are looking for information about the impact of COVID-19 on travel insurance, please refer to our FAQs.
Our complimentary credit card insurance cover is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited.
For each complimentary insurance cover you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.
- For insurable events that occurred prior to 1 July 2025, please refer to: Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023
- From 1 July 2025: Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025
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Level 1 Cards |
Level 2 Cards |
Level 3 Cards |
|---|---|---|---|
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International Travel |
✓ |
✓ |
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Domestic Travel Insurance |
✓ |
✓ |
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Rental Vehicle Excess |
✓ |
✓ |
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Purchase Protection |
✓ |
✓ |
✓ |
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Extended Warranty |
✓ |
✓ |
✓ |
Additional Information
Effective 1 July 2025 there will be reduction of certain benefit limits for International Travel Insurance. Find out more here
International Travel Insurance
Eligibility
Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023.
- spending at least $500 of prepaid travel costs on an eligible card or through a frequent flyer or travel program as outlined in the Policy Information Booklet
- holding a return overseas travel ticket before departing Australia
- you are aged under 81 years at the time you become eligible.
Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.
You can check your eligibility for International Travel Insurance and obtain a Letter of Eligibility by using the Allianz Global Assistance eligibility portal.
What is covered
The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.
Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023.
- overseas emergency assistance
- overseas medical and dental expenses
- accidental death, permanent disability and loss of income
- cancellation
- travel delay and alternative transport expenses
- luggage and luggage delay
- rental vehicle excess cover for damage or theft of rental vehicle
- personal liability
Excess
A maximum $400 excess may apply for each claim made. (Effective 1 July 2025 excess will be $600). No excess may apply to some claims, please refer to the Policy Information Booklet.
Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023..
Domestic Travel Insurance
Eligibility
Citi Prestige and Premier cardholders can access to up to 28 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023:
- the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
- before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.
Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.
What is covered
The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
- cancellation
- flight delay
- additional expenses
- luggage
- luggage delay
Excess
A maximum $75 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Rental Vehicle Excess Insurance in Australia
Eligibility
Citi Prestige and Premier cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder's card account.
The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or at the expiry of the rental vehicle agreement, whichever occurs earlier.
What is covered
The amount specified in your rental vehicle agreement up to the maximum total limit of $10,000 for all claims combined during the rental period.
Excess
An excess of $100 applies to each claim payable under Rental Vehicle Excess Insurance in Australia.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Purchase Protection Insurance
Eligibility
Citi Prestige and Premier cardholders are eligible for Purchase Protection Insurance for covered items or valuables:
- purchased anywhere in the world; or
- purchased and given as a gift to any permanent Australian resident,
provided the whole purchase price of the covered item is charged to the accountholder's card account.
Please note you are covered for 90 consecutive days after the date you take possession of the covered item or valuable.
What is covered
You are covered for the purchase price charged to the card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.
Excess
No excess applies to any claim under Purchase Protection Insurance.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Extended Warranty Insurance
Eligibility
Citi Prestige and Premier cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.
Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.
The table below sets out examples of how extended warranty periods apply.
Manufacturer's Warranty Period Extended Warranty Period 6 months 6 months 1 year 1 year 1 to 5 years 1 years Over 5 years No cover What is covered
You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.
Excess
No excess applies to any claim payable under Extended Warranty Insurance.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Frequently Asked Questions
If I need further clarification of the Complimentary Insurance Policy who should I call?
For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.
If you have a travel emergency, please contact +61 7 3305 7499.
What documents should I take with me when I am travelling overseas?
In the event that you need to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. Without this information it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance.
With this in mind you should make sure you can access the following documents when you travel.
- The Citi Credit Cards Complimentary Insurance Policy Information Booklet
- Copies of your overseas travel ticket; and either:
- your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
- evidence confirming that your overseas travel ticket was arranged under the required travel program or the required number of reward or Qantas Frequent Flyer points were transferred or redeemed in exchange for your overseas travel ticket.
Make a Claim
Call emergency services immediately if your condition is life threatening.
Call us as soon as you can on:
+61 7 3305 7499 (overseas)
1800 010 075 (within Australia)Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
Claims:
Lodge your International Travel Insurance claim online at travelclaims.com.au
Access claim forms 24 hours a day, 7 days a week at claims.agaassistance.com.au
Phone: 1800 072 791 (within Australia)
Monday to Friday 8.30am to 5.00pm AESTEmail: cardclaims@allianz-assistance.com.au
Customer Support:
Phone: 1800 072 791 (within Australia)
Monday to Friday 8.00am to 7.00pm AEST
Important changes to Complimentary Insurances
Effective 1 July 2025 - For some Citi Credit Cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 - International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance will be removed from the Citi Rewards Card.
Read summary of changes for further details and how it will affect your insurance cover.>>
International Travel Insurance
Eligibility
Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023.
- spending at least $500 of prepaid travel costs on an eligible card or through a frequent flyer or travel program as outlined in the Policy Information Booklet
- holding a return overseas travel ticket before departing Australia
- you are aged under 81 years at the time you become eligible.
Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.
You can check your eligibility for International Travel Insurance and obtain a Letter of Eligibility by using the Allianz Global Assistance eligibility portal.
What is covered
The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.
Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023.
- overseas emergency assistance
- overseas medical and dental expenses
- accidental death, permanent disability and loss of income
- cancellation
- travel delay and alternative transport expenses
- luggage and luggage delay
- rental vehicle excess cover for damage or theft of rental vehicle
- personal liability
Excess
A maximum $400 excess may apply for each claim made. (Effective 1 July 2025 excess will be $600). No excess may apply to some claims, please refer to the Policy Information Booklet.
Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023..
Domestic Travel Insurance
Eligibility
Citi Rewards cardholders can access to up to 14 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023:
- the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
- before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.
Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.
What is covered
The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
- cancellation
- flight delay
- additional expenses
- luggage
- luggage delay
Excess
A maximum $75 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Rental Vehicle Excess Insurance in Australia
Eligibility
Citi Rewards cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder’s card account.
The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or at the expiry of the rental vehicle agreement, whichever occurs earlier.
What is covered
The amount specified in your rental vehicle agreement up to the maximum total limit of $5,000 for all claims combined during the rental period.
Excess
An excess of $100 applies to each claim payable under Rental Vehicle Excess Insurance in Australia.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Purchase Protection Insurance
Eligibility
Citi Rewards cardholders are eligible for Purchase Protection Insurance for covered items and valuables:
- purchased anywhere in the world; or
- purchased and given as a gift to any permanent Australian resident,
provided the whole purchase price of the covered item is charged to the accountholder’s card account.
Please note you are covered for 90 consecutive days after the date you take possession of the covered item or valuable.
What is covered
You are covered for the purchase price charged to card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.
Excess
No excess applies to any claim under Purchase Protection Insurance.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Extended Warranty Insurance
Eligibility
Citi Rewards cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.
Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.
The table below sets out examples of how extended warranty periods apply.
Manufacturer's Warranty Period Extended Warranty Period 6 months 6 months 1 year 1 year 1 to 5 years 1 years Over 5 years No cover What is covered
You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.
Excess
No excess applies to any claim payable under Extended Warranty Insurance.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Frequently Asked Questions
If I need further clarification of the Complimentary Insurance Policy who should I call?
For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.
If you have a travel emergency, please contact +61 7 3305 7499.
What documents should I take with me when I am travelling overseas?
In the event that you need to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. Without this information it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance.
With this in mind you should make sure you can access the following documents when you travel.
- The Citi Credit Cards Complimentary Insurance Policy Information Booklet
- Copies of your overseas travel ticket; and either:
- your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
- evidence confirming that your overseas travel ticket was arranged under the required travel program or the required number of reward or Qantas Frequent Flyer points were transferred or redeemed in exchange for your overseas travel ticket.
Make a Claim
Call emergency services immediately if your condition is life threatening.
Call us as soon as you can on:
+61 7 3305 7499 (overseas)
1800 010 075 (within Australia)Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
Claims:
Lodge your International Travel Insurance claim online at travelclaims.com.au
Access claim forms 24 hours a day, 7 days a week at claims.agaassistance.com.au
Phone: 1800 072 791 (within Australia)
Monday to Friday 8.30am to 5.00pm AESTEmail: cardclaims@allianz-assistance.com.au
Customer Support:
Phone: 1800 072 791 (within Australia)
Monday to Friday 8.00am to 7.00pm AEST
Purchase Protection Insurance
Eligibility
Citi Simplicity and Clear cardholders are eligible for Purchase Protection Insurance for covered items and valuables:
- purchased anywhere in the world; or
- purchased and given as a gift to any permanent Australian resident,
provided the whole purchase price of the covered item is charged to the accountholder’s card account.
Please note you are covered for 90 consecutive days after the date you take possession of the covered item or valuable.
What is covered
You are covered for the purchase price charged to card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.
Excess
No excess applies to any claim under Purchase Protection Insurance.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Extended Warranty Insurance
Eligibility
Citi Simplicity and Clear cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.
Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.
The table below sets out examples of how extended warranty periods apply.
Manufacturer's Warranty
PeriodExtended Warranty
Period6 months 6 months 1 year 1 year 1 to 5 years 1 years Over 5 years No cover What is covered
You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.
Excess
No excess applies to any claim payable under Extended Warranty Insurance.
For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.
Frequently Asked Questions
If I need further clarification of the Complimentary Insurance Policy who should I call?
For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.
Make a claim
Call emergency services immediately if your condition is life threatening.
Call us as soon as you can on:
+61 7 3305 7499 (overseas)
1800 010 075 (within Australia)Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
Claims:
Access claim forms 24 hours a day, 7 days a week at claims.agaassistance.com.au
Phone: 1800 072 791 (within Australia)
Monday to Friday 8.30am to 5.00pm AESTEmail: cardclaims@allianz-assistance.com.au
Customer Support:
Phone: 1800 072 791 (within Australia)
Monday to Friday 8.00am to 7.00pm AEST
Important Information
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
