Does the NAB Rewards Platinum still include complimentary travel insurance?

No. NAB removed complimentary travel insurance from the NAB Rewards Platinum on 15 May 2026, when the card was reclassified to Level 4. International travel insurance, domestic interstate travel insurance and rental vehicle excess cover in Australia all came off the card. If you charge a flight to it now, there is no overseas medical cover, no trip cancellation cover and no lost-luggage cover. The card still carries purchase protection, extended warranty and a newer mobile phone insurance benefit, but nothing that covers you while you travel. For any trip, you now need a standalone travel insurance policy for medical, cancellation and luggage cover.

What insurance does the NAB Rewards Platinum still include?

Three benefits remain. Purchase Protection covers theft, accidental damage or loss of items bought on the card for 90 days, up to $200,000 across the account each year with no excess. Extended Warranty adds up to one extra year on top of the manufacturer's Australian warranty, capped at $10,000 an item. Mobile Phone Insurance, added in May 2026, covers accidental damage and theft of your phone up to $1,000 a claim and $1,650 a year, with a $50 excess, as long as your monthly phone bill is charged to the card. Purchase protection and extended warranty are underwritten by Allianz; the phone cover is underwritten by AIG.

Does the NAB Rewards Platinum cover rental car excess?

No, not any more. The Rental Vehicle Excess Insurance in Australia benefit, and the overseas rental excess that sat inside the travel policy, were both removed from the NAB Rewards Platinum on 15 May 2026. If you damage a hire car now, the excess (the amount the hire company makes you pay towards the damage) is entirely yours, commonly $2,000 to $5,500 in Australia and up to $8,000 overseas. The card will not reimburse any of it. If you hire cars, a standalone rental excess policy covers both Australian and overseas hires from a few dollars a day, and is worth arranging before you get to the counter.

How do I make a claim on my NAB Rewards Platinum insurance?

It depends on the benefit, because two different insurers are involved. For purchase protection or extended warranty, contact Allianz Global Assistance on 1800 187 025 or lodge online at claimmanager.com.au/nab, and get approval before starting any warranty repair. For a mobile phone claim, lodge with AIG at mycardbenefits.com instead. For any claim, you need the receipt showing the item was charged to the card, proof of ownership, and a police report where theft is involved. Purchase protection runs only 90 days from purchase, so lodge early rather than waiting. Keep every document dated.

Does the NAB Rewards Platinum include mobile phone insurance?

Yes. NAB added complimentary mobile phone insurance to the Rewards Platinum in May 2026, underwritten by AIG. It covers accidental damage and theft of your phone up to $1,000 per claim, with an annual limit of $1,650 and a $50 excess per claim. To be eligible, you must pay your monthly mobile phone plan with an eligible NAB card each month, and cover starts from the first day of the month after your first qualifying payment. Loss is not covered, only accidental damage and theft. It is a useful extra, but it protects your handset, not your trip, so it does not replace travel insurance.

What does the NAB Rewards Platinum purchase protection cover?

Purchase Protection covers items you buy and charge in full to the card against theft, accidental damage or permanent loss for 90 consecutive days from the date of purchase. It pays the lesser of the purchase price or the benefit limit, with no excess, up to a maximum of $200,000 across the card account in any 12 months. Jewellery, watches and new works of art are capped at $5,000 per claim, which is well below the account limit. It also covers items bought as gifts for Australian residents. You need proof of purchase and ownership, and for theft you should report it to police or the carrier as soon as practical.

Does the NAB Rewards Platinum extend the manufacturer's warranty?

Yes. Extended Warranty Insurance adds a period equal to the manufacturer's Australian warranty once that warranty expires, up to a maximum of one extra year. It is capped at $10,000 per item and $40,000 across the card account each year, with no excess, and pays the lesser of the repair, replacement or original purchase price. There is no cover if the original manufacturer's warranty runs longer than five years, and the item must have a serial number and be charged in full to the card. Contact Allianz Global Assistance for approval before you start any repair, or your claim may be reduced.

What does the NAB Rewards Platinum not cover?

It no longer covers travel. Since 15 May 2026 there is no overseas emergency medical cover, no trip cancellation, no interstate domestic travel cover, and no rental vehicle excess cover, at home or overseas. There is also no refund cover and no price guarantee. The mobile phone insurance excludes loss (only accidental damage and theft are covered) and lapses in any month you do not pay the phone bill with the card. What remains is purchase protection and extended warranty on things you buy, plus the phone cover. Treat this as a rewards and shopping-protection card, not a travel card, and insure trips separately.

Does the NAB Rewards Platinum cover skiing or snowboarding?

No. Because the NAB Rewards Platinum no longer has any travel insurance, there is no cover for skiing, snowboarding or any other activity while you travel, on-piste or off-piste. Before 15 May 2026 the card's travel policy would have covered on-piste skiing and excluded off-piste, but that policy has been withdrawn entirely for this card. A ski injury overseas now sits with you, and an air ambulance off the mountain and back to Australia can run $60,000 to $100,000. If you are planning a snow trip, a dedicated snow travel insurance policy is essential, since this card will not respond to any travel or medical claim.

Is the NAB Rewards Platinum worth the $195 fee without travel insurance?

That depends on how much you value the rewards and the remaining shopping cover. The $195 annual fee no longer buys any travel insurance, so if you took the card mainly for complimentary trip cover, the main reason to hold it has gone. What you still get is NAB Rewards points on eligible spend, purchase protection up to $200,000 a year, extended warranty, and mobile phone insurance to $1,000 a claim. For a frequent traveller, factor in the cost of a separate travel policy on top of the fee. For someone who mostly wants points and shopping protection, the card can still earn its keep, but compare it against no-fee rewards cards before you renew.

NAB Rewards Platinum card travel insurance: does any cover remain?

NAB·A$195/year·Visa Platinum

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated August 25, 20268 min read

0,4/5Independent review · verified August 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

3,6

Our Verdict · Travel Insurance

Our take on travel insurance for the NAB Rewards Platinum

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

No travel insurance. NAB pulled it. On 15 May 2026 the Rewards Platinum was reclassified to NAB's Level 4, and the international travel, domestic travel and rental excess cover all came off the card. Charge a flight to it today and nothing insures the trip: no overseas medical, no cancellation, no lost-luggage cover. Most people searching for NAB Rewards Platinum card travel insurance are chasing a benefit that no longer exists here. The $195 annual fee now buys a rewards-earning Visa with shopping cover, not a travel policy. If you want medical or cancellation cover for a trip, a standalone travel insurance policy is the only route, from around $40 for a short overseas stay.

What works on travel

Nothing to activate or forget, because there is no travel cover left to switch on
You are free to pair any standalone travel policy that actually fits the trip

Where travel breaks down

No overseas emergency medical cover: a serious hospital admission abroad can run $50,000 to $200,000, all on you
No trip cancellation cover: prepaid flights and hotels are not reimbursable if you cancel
No domestic interstate flight cover, and no lost or delayed luggage cover
Travel insurance was withdrawn on 15 May 2026, but the $195 annual fee did not fall

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 20 guarantees

What does NAB Rewards Platinum Travel Insurance actually cover?

No trip cancellation. The card's travel cover was withdrawn on 15 May 2026. Prepaid flights, hotels, and tours are not reimbursable if you cancel, and a standalone travel insurance policy is required for this coverage.

No overseas emergency medical cover. International travel insurance was removed from the card on 15 May 2026. All medical costs overseas are the cardholder's responsibility: Medicare does not cover you outside Australia, and a serious hospital admission overseas can run $50,000 to $200,000.

No emergency evacuation cover. The overseas assistance benefit was withdrawn on 15 May 2026. Emergency evacuation costs are entirely the cardholder's responsibility, and an air ambulance from Southeast Asia to Australia runs $60,000 to $100,000.

No overseas emergency dental cover. This benefit went with the travel policy on 15 May 2026. Emergency dental treatment overseas is out of pocket.

No hospital cash allowance. This benefit was removed on 15 May 2026. There is no daily cash payment during an overseas hospital stay.

No additional expenses cover. The travel policy was withdrawn on 15 May 2026. Costs from a disrupted trip, extra travel and accommodation, are out of pocket.

No travel delay cover. This benefit ended with the travel policy on 15 May 2026. Meals, accommodation, and transport during a delay are the cardholder's responsibility.

No alternative transport cover. This benefit was removed on 15 May 2026. The cost of rebooking to reach a destination after a delay is out of pocket.

No return home cover. This benefit was withdrawn on 15 May 2026. The cost to fly home and resume a trip after a family emergency is out of pocket.

No luggage delay cover. This benefit ended on 15 May 2026. Purchases of essential items during a bag delay are out of pocket.

No luggage cover. The travel policy was withdrawn on 15 May 2026. Replacement costs for lost or stolen bags are the cardholder's responsibility.

No travel documents cover. This benefit was removed on 15 May 2026. Reissuing a lost passport or replacing stolen travel money is out of pocket.

No personal liability cover. This benefit went with the travel policy on 15 May 2026. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.

No accidental death cover. This travel benefit was withdrawn on 15 May 2026. There is no lump-sum payment for accidental death or disability while travelling.

No loss of income cover. This benefit was removed on 15 May 2026. Lost earnings after a travel injury are not replaced by the card.

No domestic cancellation cover. Domestic travel insurance was removed on 15 May 2026. Cancelled interstate flights and prepaid domestic bookings are not reimbursable.

No domestic flight delay cover. This benefit ended on 15 May 2026. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.

No domestic additional expenses cover. Domestic travel insurance was withdrawn on 15 May 2026. Extra costs from a disrupted interstate trip are out of pocket.

No domestic luggage cover. This benefit was removed on 15 May 2026. Lost or damaged bags on an interstate trip are not reimbursable.

No domestic luggage delay cover. This benefit ended on 15 May 2026. Essential purchases during a domestic bag delay are out of pocket.

Policy document

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the NAB Rewards Platinum wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Trip cancellation: not covered by this card

Medical fees abroad: not covered by this card

Medical repatriation: not covered by this card

Compare

Rewards PlatinumThis card0.4/5?

A$195/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

A$237 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the NAB Rewards Platinum stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Rewards Platinum shoppers also consider.

Card	This card Rewards Platinum NAB · A$195/yr 0.4/5?	Amplify Signature Bank of Melbourne · A$295/yr 4.3/5?	Low Fee Platinum Westpac · A$90/yr 4.3/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	Unlimited Unlimited	Unlimited Unlimited
Emergency medical Hospital bills abroad	Not covered Cover this gap →	Unlimited Unlimited	Unlimited Unlimited
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Unlimited Unlimited evacuation	Unlimited Unlimited evacuation
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	6h / $1,100 Trigger: 6 hours	6h / $1,100 Trigger: 6 hours
Trip interruption Covered amount	Not covered Cover this gap →	Unlimited Extra travel & accommodation	Unlimited Unlimited

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the NAB Rewards Platinum

Real experiences on the card, its fee and the insurance changes 30 reviews

Owen P (ProductReview)

2019

Points add up and it works overseas

Rewards points add up quickly and are easy to spend and use. Have used it overseas and its fine.

Disgruntled 1 (Australian Frequent Flyer)

2025

Big benefit gone, fee unchanged

They are removing a huge benefit especially for the mature traveller, but we will not see a reduction in Annual fee???

catcc (ProductReview)

2025

Painful application

The NAB Rewards card application process was an absolute nightmare. I had to call their representatives at every single step.

Purchase & Warranty Claims (Allianz)

1800 187 025

Mon to Fri, 8:30am to 5pm AEST

Mobile Phone Claims (AIG)

mycardbenefits.com

Online, underwritten by AIG Australia · 24/7 online

Benefit administrator: Allianz Global Assistance (AWP Australia) for purchase and warranty; AIG for mobile phone insurance

Claims & pre-authorizations

How to make a NAB Rewards Platinum claim

Step 1: Purchase or warranty claims go through Allianz Global Assistance

For a stolen, damaged or faulty item bought on the card, call Allianz Global Assistance on 1800 187 025 or lodge online at claimmanager.com.au/nab. Report theft to police as soon as practical, and get approval before starting any warranty repair. Purchase protection runs 90 days from purchase, so lodge early.

Step 2: Mobile phone claims go through AIG online

Mobile phone insurance is underwritten by AIG, not Allianz, and is claimed at mycardbenefits.com. You will need proof the monthly phone bill was paid with your NAB card, and for theft a police report. Loss is not covered, only accidental damage and theft.

Step 3: Gather your proof and keep it dated

For any claim, include the receipt showing the purchase was charged to the card, proof of ownership, and a police or carrier report where theft is involved. Some claims are approved in a few weeks, others draw follow-up document requests, so send complete paperwork the first time.

No. NAB removed complimentary travel insurance from the NAB Rewards Platinum on 15 May 2026, when the card was reclassified to Level 4. International travel insurance, domestic interstate travel insurance and rental vehicle excess cover in Australia all came off the card. If you charge a flight to it now, there is no overseas medical cover, no trip cancellation cover and no lost-luggage cover. The card still carries purchase protection, extended warranty and a newer mobile phone insurance benefit, but nothing that covers you while you travel. For any trip, you now need a standalone travel insurance policy for medical, cancellation and luggage cover.
Three benefits remain. Purchase Protection covers theft, accidental damage or loss of items bought on the card for 90 days, up to $200,000 across the account each year with no excess. Extended Warranty adds up to one extra year on top of the manufacturer's Australian warranty, capped at $10,000 an item. Mobile Phone Insurance, added in May 2026, covers accidental damage and theft of your phone up to $1,000 a claim and $1,650 a year, with a $50 excess, as long as your monthly phone bill is charged to the card. Purchase protection and extended warranty are underwritten by Allianz; the phone cover is underwritten by AIG.
No, not any more. The Rental Vehicle Excess Insurance in Australia benefit, and the overseas rental excess that sat inside the travel policy, were both removed from the NAB Rewards Platinum on 15 May 2026. If you damage a hire car now, the excess (the amount the hire company makes you pay towards the damage) is entirely yours, commonly $2,000 to $5,500 in Australia and up to $8,000 overseas. The card will not reimburse any of it. If you hire cars, a standalone rental excess policy covers both Australian and overseas hires from a few dollars a day, and is worth arranging before you get to the counter.
It depends on the benefit, because two different insurers are involved. For purchase protection or extended warranty, contact Allianz Global Assistance on 1800 187 025 or lodge online at claimmanager.com.au/nab, and get approval before starting any warranty repair. For a mobile phone claim, lodge with AIG at mycardbenefits.com instead. For any claim, you need the receipt showing the item was charged to the card, proof of ownership, and a police report where theft is involved. Purchase protection runs only 90 days from purchase, so lodge early rather than waiting. Keep every document dated.
Yes. NAB added complimentary mobile phone insurance to the Rewards Platinum in May 2026, underwritten by AIG. It covers accidental damage and theft of your phone up to $1,000 per claim, with an annual limit of $1,650 and a $50 excess per claim. To be eligible, you must pay your monthly mobile phone plan with an eligible NAB card each month, and cover starts from the first day of the month after your first qualifying payment. Loss is not covered, only accidental damage and theft. It is a useful extra, but it protects your handset, not your trip, so it does not replace travel insurance.
Purchase Protection covers items you buy and charge in full to the card against theft, accidental damage or permanent loss for 90 consecutive days from the date of purchase. It pays the lesser of the purchase price or the benefit limit, with no excess, up to a maximum of $200,000 across the card account in any 12 months. Jewellery, watches and new works of art are capped at $5,000 per claim, which is well below the account limit. It also covers items bought as gifts for Australian residents. You need proof of purchase and ownership, and for theft you should report it to police or the carrier as soon as practical.
Yes. Extended Warranty Insurance adds a period equal to the manufacturer's Australian warranty once that warranty expires, up to a maximum of one extra year. It is capped at $10,000 per item and $40,000 across the card account each year, with no excess, and pays the lesser of the repair, replacement or original purchase price. There is no cover if the original manufacturer's warranty runs longer than five years, and the item must have a serial number and be charged in full to the card. Contact Allianz Global Assistance for approval before you start any repair, or your claim may be reduced.
It no longer covers travel. Since 15 May 2026 there is no overseas emergency medical cover, no trip cancellation, no interstate domestic travel cover, and no rental vehicle excess cover, at home or overseas. There is also no refund cover and no price guarantee. The mobile phone insurance excludes loss (only accidental damage and theft are covered) and lapses in any month you do not pay the phone bill with the card. What remains is purchase protection and extended warranty on things you buy, plus the phone cover. Treat this as a rewards and shopping-protection card, not a travel card, and insure trips separately.
No. Because the NAB Rewards Platinum no longer has any travel insurance, there is no cover for skiing, snowboarding or any other activity while you travel, on-piste or off-piste. Before 15 May 2026 the card's travel policy would have covered on-piste skiing and excluded off-piste, but that policy has been withdrawn entirely for this card. A ski injury overseas now sits with you, and an air ambulance off the mountain and back to Australia can run $60,000 to $100,000. If you are planning a snow trip, a dedicated snow travel insurance policy is essential, since this card will not respond to any travel or medical claim.
That depends on how much you value the rewards and the remaining shopping cover. The $195 annual fee no longer buys any travel insurance, so if you took the card mainly for complimentary trip cover, the main reason to hold it has gone. What you still get is NAB Rewards points on eligible spend, purchase protection up to $200,000 a year, extended warranty, and mobile phone insurance to $1,000 a claim. For a frequent traveller, factor in the cost of a separate travel policy on top of the fee. For someone who mostly wants points and shopping protection, the card can still earn its keep, but compare it against no-fee rewards cards before you renew.