Changes to complimentary card insurances - NAB
What’s changed for my card?
From 15 May 2026:
- some cards no longer include complimentary travel insurance or rental vehicle excess insurance in Australia
- some cards have International Travel Insurance cover reduced to 30 consecutive days
- some cards have changes to Travel Delay Expenses
- some eligible cards have mobile phone insurance added.
Summary of changes
Check for your card in the table below to see what has and hasn’t changed. Then read the FAQs for common questions about Complimentary Travel Insurances cover, mobile phone insurance and your options.
| Travel insurance | Travel delay expenses – International Travel Insurance | Mobile phone insurance | |
|---|---|---|---|
| NAB Rewards Platinum Credit Card | Travel insurance International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance No longer applies | Mobile phone insurance Has been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Flybuys Rewards Credit Card | Travel insurance International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance No longer applies | Mobile phone insurance Has been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Low Rate Platinum Credit Card | Travel insurance International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance No longer applies | Mobile phone insurance Has been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Velocity Rewards Premium Credit Card | Travel insurance International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance No longer applies | Mobile phone insurance Has been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Premium Credit Card | Travel insurance International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance No longer applies | Mobile phone insurance Has been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Low Fee Platinum Credit Card | Travel insurance International Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance No longer applies | Mobile phone insurance Has been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. |
| NAB Qantas Rewards Premium Credit Card | Travel insurance International Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance If your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insurance Not available |
| NAB Qantas Plus Credit Card | Travel insurance International Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance If your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insurance Not available |
| NAB Platinum Visa Debit Card | Travel insurance International Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel Insurance If your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insurance Not available |
| NAB Rewards Signature Credit Card | Travel insurance No change. | Travel delay expenses – International Travel Insurance If your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insurance No change |
| NAB Qantas Rewards Signature Credit Card | Travel insurance No change. | Travel delay expenses – International Travel Insurance If your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insurance Not available |
NAB Card Insurance Policy Information Booklet current and previous
Current booklet effective 15 May 2026
Previous booklets
NAB Card Complimentary Mobile Phone Insurance
Current booklet
Making claims relating to travel
Claims are assessed using the NAB Card Insurance Policy Information Booklet in effect on the date of the claimable event.
If your claimable event happened before 15 May 2026, a previous policy information booklet will apply. If your claimable event happens on or after 15 May 2026, the current policy information booklet (effective 15 May 2026) will apply.
Complimentary travel insurances claim
Contact Allianz Global Assistance (AGA).
- Call 1800 187 025 Monday to Friday, 8:00am to 7:00pm (AEST/ADST)
- Lodge a claim online
Making claims relating to mobile insurance protection
Claims are assessed using the NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024.
Mobile insurance claims
Contact AIG Australia Limited.
- Call +61395224111 Monday to Friday, 8:30am to 5:30pm (AEST/ADST)
- Lodge a claim online
Frequently asked questions
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For cards that continue to have access to Complimentary International Travel Insurances on 15 May 2026, the Policy Information Booklet used to assess a claimable event will depend on when the event occurred. If a claimable event occurred before 15 May 2026, a previous Policy Information Booklet applicable at that time, would be used to assess that part of the claim. If a claimable event occurred on or after 15 May 2026, the current Policy Information Booklet would be used to assess that claimable event.
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You can make a claim for claimable events that occurred prior to 15 May 2026 under the relevant Policy Information Booklet applicable at that time.
If your card no longer has access to Complimentary International Travel Insurance, Domestic Travel Insurance or Rental Vehicle Excess Insurance in Australia for claimable events on or after 15 May 2026, and you are planning to travel, you may want to consider other insurance options before your departure. This could include purchasing a separate travel insurance policy that suits your trip and personal circumstances.
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For full policy details, read the:
- NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 713KB), cover provided by Allianz Australia Insurance Limited
- Mobile phone protection insurance: NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024 (PDF, 145KB), cover provided by AIG Australia Limited
They include the eligibility criteria, Benefit limits and sub-limits, exclusions and the full terms and conditions that apply.
Terms and Conditions
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International travel insurance, Domestic travel insurance, Rental vehicle excess insurance in Australia, Extended warranty insurance, and Purchase protection insurance.
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third-party beneficiaries.
Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 713KB), which may be amended from time to time. For insurable events that occurred prior to 15 May 2026 please refer to the NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB).
For more information about the changes visit Information about changes to complimentary insurances.
Mobile phone insurance
Complimentary Mobile Phone insurance (covering Accidental Damage and Theft to Your Eligible Mobile Telephone) is provided under a group policy issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB). Cover is available to all NAB Rewards Signature, NAB Rewards Platinum, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries in accordance with section 48 of the Insurance Contracts Act 1984 (Cth).
If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the terms and conditions (PDF, 145KB) for such coverage which is available at nab.com.au/personal/insurance/complimentary-card-insurances.
To be eligible for coverage Eligible Persons must have a contract with a mobile phone provider and a monthly billing arrangement using their eligible NAB card. Any advice provided by NAB about this insurance is general advice only and is not based on any consideration of an Eligible Person’s objectives, financial situation, or needs. Eligible Persons must determine whether or not it is appropriate, in light of their own circumstances, to act on this advice.
AIG as product issuer is not providing any financial advice about this insurance. NAB is not the product issuer, and neither NAB or its related bodies corporate guarantee any of the benefits under this insurance cover.