Credit Cards with Purchase Protection Insurance
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
Complimentary Purchase Protection Insurance on purchases made with the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.
Est. profit $1,215
Read my analysis
NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
Complimentary purchase protection insurance covering eligible purchases.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Card Purchase Cover protects eligible items purchased with the card against theft, loss, or accidental damage.
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig's Take
Average ongoing earn rate. $200 cashback covers the $195 fee.
Read my analysis
American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Covers replacement of eligible items purchased on the Card.
Spend $4,000 in 90 days
Offer Expires 3 months ago (2025-12-02)
Craig's Take
Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.
Read my analysis
ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
Complimentary Purchase Protection Insurance available when purchases are made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
Read my analysis
ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
Complimentary Purchase Protection Insurance available when purchases are made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $3,500 in 90 days
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Read my analysis
NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
60,000 Qantas points
Complimentary purchase protection insurance covering eligible purchases.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $665
Read my analysis
The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Card Purchase Cover protects eligible items purchased with the Card against theft or damage.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
Complimentary Purchase Protection Insurance when purchases are made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $2,500 in 90 days
Craig's Take
Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.
Est. profit $1,005
Read my analysis
St.George Amplify Platinum - Qantas
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Purchase protection for up to 4 months against theft, loss, or accidental damage on eligible purchases.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis
St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Purchase protection coverage for up to 4 months on eligible purchases.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis St.George Amplify Qantas Signature (Existing customers, through log in)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Purchase protection coverage for up to 4 months on eligible purchases.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
St.George Amplify Rewards Signature
St.George Amplify points
$295 annual fee
Offer
100,000 St.George Amplify points
Purchase protection insurance for up to 4 months on eligible purchases.
Spend $12,000 in 365 days
$199 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Up to 4 months purchase protection insurance on eligible purchases.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Up to 4 months purchase protection insurance on eligible purchases.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Up to 4 months purchase protection insurance on eligible purchases made with the card.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
Read my analysis
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases made with the credit card.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,016
Read my analysis Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases made with the credit card.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $940
Read my analysis St.George Amplify Rewards Platinum (Existing customers, through log in)
St.George Amplify points
$175 annual fee
OfferExisting Customers
75,000 St.George Amplify points
Purchase protection for up to 4 months on eligible purchases against theft, loss, or accidental damage.
Spend $3,000 in 90 days
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
Offer
100,000 Qantas points
Complimentary purchase protection insurance covering eligible purchases.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,430
Read my analysis NAB Qantas Rewards Signature Card
Qantas points
$420 annual fee
OfferExisting Customers
100,000 Qantas points
Complimentary purchase protection insurance covering eligible purchases.
Spend $5,000 in 90 days
$320 first year annual fee, $420 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.
Est. profit $1,530
Read my analysis
Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $946
Read my analysis
Westpac Altitude Rewards Platinum
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Up to 4 months Purchase Protection Insurance on eligible purchases made with the card.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Up to 4 months Purchase Protection Insurance on eligible purchases made with the card.
Spend $3,000 in 90 days
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Bank of Melbourne Amplify Rewards Platinum
Bank of Melbourne points
$175 annual fee
Offer
75,000 Bank of Melbourne points
Purchase protection insurance for up to 4 months on eligible purchases.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
OfferExisting Customers
100,000 St.George Amplify points
Purchase protection insurance for up to 4 months on eligible purchases.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis St.George Amplify Platinum - Qantas (Existing customers, through log in)
Qantas points
$175 annual fee
OfferExisting Customers
70,000 Qantas points
Purchase protection for up to 4 months against theft, loss, or accidental damage on eligible purchases.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $946
Read my analysis St.George Amplify Rewards Platinum
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Purchase protection for up to 4 months on eligible purchases against theft, loss, or accidental damage.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Card Purchase Cover for eligible stolen or damaged items purchased with the Card; Card Refund Cover for recent and unused purchases when a store refuses a return.
Spend $5,000 in 90 days
Offer Expires in 2 months (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,135
Read my analysis
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
OfferReferral
70,000 Qantas points
Card Refund Cover credits account if refused refund on unused eligible item within 90 days of purchase; Purchase Protection Cover repairs or refunds eligible items if accidentally broken or stolen within 90 days of purchase
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Card Refund Cover credits account if refused refund on unused eligible item within 90 days of purchase; Purchase Protection Cover repairs or refunds eligible items if accidentally broken or stolen within 90 days of purchase
Spend $5,000 in 90 days
Offer Expires in 3 months (2026-05-05)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.
Est. profit $1,120
Read my analysis
The American Express Platinum Card
American Express points
$1,450 annual fee
Offer
200,000 American Express points
Card Purchase Cover protects eligible items purchased with the Card against theft or damage.
Spend $5,000 in 90 days
Offer Expires in 6 months (2026-08-25)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.
Read my analysis Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Spend $6,000 in 120 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis
The American Express Velocity Platinum Card (Velocity Bonus Offer)
Velocity points
$440 annual fee
Offer
100,000 Velocity points
Card Purchase Cover for eligible stolen or damaged items purchased with the Card; Card Refund Cover for recent and unused purchases when a store refuses a return.
Spend $5,000 in 90 days
Offer Expires in 2 months (2026-04-30)
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.
Est. profit $1,645
Read my analysis Westpac Altitude Velocity Platinum (Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases made with the credit card.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,280
Read my analysis Westpac Altitude Velocity Platinum (Reduced first year, Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Up to 4 months purchase protection insurance on eligible purchases made with the credit card.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,356
Read my analysis ANZ Rewards Platinum (Velocity Bonus Offer)
Velocity points
$149 annual fee
Offer
70,000 Velocity points
Complimentary Purchase Protection Insurance available when purchases are made using the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Spend $3,500 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Est. profit $1,091
Read my analysis