How do I activate the Woolworths Money Credit Card complimentary travel insurance?

You cannot, because there is no travel insurance to activate. The Woolworths Money Credit Card, marketed as the Everyday Platinum, never carried complimentary overseas travel insurance, so holding the card or spending on it switches nothing on. Woolworths also withdrew the card in 2023 and moved existing accounts to Macquarie, so the product itself is no longer issued. If you are travelling and want overseas medical, cancellation, or baggage protection, the only route is a standalone travel insurance policy bought before you leave Australia. Buy it early and check the pre-existing condition terms if they apply to you.

Who is covered under the Woolworths Money Credit Card complimentary insurance?

No one. The Woolworths Money Credit Card has no complimentary travel, rental, or in-force purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. This card never included complimentary travel insurance, and it was withdrawn when Woolworths exited credit cards in 2023. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller. A standalone policy also lets you set the medical, cancellation, and baggage limits to suit the trip, which no card benefit here can do.

How does the Woolworths Money Credit Card rental vehicle excess cover work?

It does not, because the card carries no rental vehicle excess cover at all. Rental excess cover reimburses the excess you owe the hire company after a hire car is damaged or stolen, up to a cap, but the Woolworths Money Credit Card never included this benefit. So if a hire car is damaged or stolen, the excess is entirely on you, commonly $2,000 to $5,500 on an Australian hire. A standalone rental vehicle excess policy covers both Australian and overseas hires and is the only way to shift that cost off this card. Charge nothing to the card expecting cover, because none applies.

How do I make a claim on my Woolworths Money Credit Card insurance?

There is nothing to claim, because this card has no complimentary insurance. The Woolworths Money Credit Card never carried travel or rental cover, and it was withdrawn in 2023, so neither Woolworths nor any insurer will accept a claim tied to it. If you bought a standalone travel policy for your trip, claim through that insurer using the contact details in its own policy document. For a lost or stolen card, fraud, or a disputed transaction, use the servicing number on your statement, as existing accounts are now handled by Macquarie. That line does not handle insurance claims.

What does the Woolworths Money Credit Card not cover?

The short answer is everything on the insurance side. The Woolworths Money Credit Card has no overseas emergency medical cover, no evacuation, no trip cancellation, no baggage or delay cover, no personal liability, and no domestic interstate cover. It also has no rental vehicle excess cover, no extended warranty, no price guarantee, and no mobile phone insurance. While it was active it did carry a Chubb-backed purchase security benefit, but that ended when Woolworths withdrew the card in 2023. Treat the card as an insurance blank and cover any trip, hire car, or big purchase through a separate policy.

Do I still need separate travel insurance if I have the Woolworths Money Credit Card?

Yes, and it is not optional if you want to be covered. Because the Woolworths Money Credit Card has no complimentary travel insurance, a standalone policy is your only source of overseas emergency medical cover, which matters because Medicare pays nothing outside Australia and a serious hospital admission overseas can run $50,000 to $200,000. A separate policy also covers cancellation, baggage, and rental excess, none of which this card provides. Buy the policy before you leave, name every traveller, and check its pre-existing condition terms. If you now hold the Macquarie card your account was moved to, check its own Product Disclosure Statement separately.

Does the Woolworths Money Credit Card include mobile phone insurance?

No. The Woolworths Money Credit Card does not include mobile phone or screen insurance, and it never carried a dedicated phone cover. If your phone is lost, stolen, or the screen cracks, the repair or replacement is your cost, and a flagship screen repair alone runs about $200 to $600. Some cards and standalone gadget policies do cover phones, usually on the condition that the monthly phone bill is charged to the card, but that was never part of this product. Treat your phone as uninsured under this card and budget for repairs yourself, or look at a dedicated device policy.

Does the Woolworths Money Credit Card cover skiing or snowboarding?

No. There is no travel policy attached to the Woolworths Money Credit Card, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. This card never offered complimentary travel insurance, so there is no snow cover to lose in the first place. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which typically covers on-piste activity and can add off-piste cover for an extra premium. Read its activities list carefully, since off-piste, racing, and backcountry are often excluded unless you pay to add them.

What happened to Woolworths credit card travel insurance?

There was never any travel insurance on this card to lose. The Woolworths Money Credit Card, the Everyday Platinum, was a straightforward Visa that did not include complimentary overseas travel cover, unlike some pricier platinum cards. Woolworths then exited the credit-card market in 2023: the rewards program ended from June 2023, the cards stopped working from October 2023, and existing accounts were migrated to a Macquarie-branded Platinum Visa. If you relied on this card for anything, including a trip, that reliance ended with the card. Cover any future trip with a standalone travel insurance policy bought before departure.

Does the Woolworths Money Credit Card come with any travel insurance?

Woolworths·A$49/year·Visa Platinum

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated August 5, 20268 min read

0,0/5Independent review · verified August 2026

Travel Insurance

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Car Rental

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Protection

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Our Verdict · Travel Insurance

Our take on travel insurance for the Woolworths Money Credit Card

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

No travel insurance. There never was any. Here is the honest answer to the search for Woolworths credit card travel insurance: this card, the Everyday Platinum, never carried complimentary overseas cover, and Woolworths has since pulled out of credit cards altogether. So, you dig the old card out before a trip and assume the platinum badge insures you. It doesn't, and the account itself was closed and moved to Macquarie back in 2023. A serious hospital admission overseas can run $50,000 to $200,000, and Medicare pays none of it once you leave Australia. If you still hold a Woolworths-branded card or its Macquarie replacement, a standalone travel insurance policy, from a few dollars a day, is now the only route to overseas medical, cancellation, or evacuation cover.

What works on travel

No false sense of cover: the card never included travel insurance, so there is nothing to wrongly rely on overseas

Where travel breaks down

No overseas emergency medical cover: a serious hospital admission abroad, commonly $50,000 to $200,000, is entirely on you
No travel insurance at any tier: cancellation, baggage, delay, evacuation, and liability all read not available
Card withdrawn in 2023: Woolworths exited credit cards and existing accounts moved to Macquarie

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 Woolworths Money Credit Card Travel Insurance actually cover?

No trip cancellation cover. This benefit is not included with the Woolworths Money Credit Card, which never carried complimentary travel insurance. 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. There is no 24/7 assistance line attached to this card, as it never offered travel insurance. 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. This benefit is not included with the Woolworths Money Credit Card. 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 dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.

No hospital cash allowance. This benefit is not included with this card. A daily cash payment during an overseas hospital stay is not provided.

No additional expenses cover. This benefit is not included with this card. Costs from a trip cut short, such as return flights and unused hotels, are out of pocket.

No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.

No alternative transport cover. This benefit is not included with this card. Rebooking to reach a destination after a missed connection is paid out of pocket.

No resumption of journey cover. This benefit is not included with this card. The cost to fly home and resume a trip after a family emergency is out of pocket.

No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.

No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.

No travel documents cover. This benefit is not included with this card. Reissuing a stolen passport and covering fraudulent card transactions are paid out of pocket.

No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.

No accidental death benefit. This benefit is not included with this card. No lump sum is paid to your family for an accidental death during a journey.

No loss of income benefit. This benefit is not included with this card. Lost earnings after an overseas injury that stops you working are not replaced.

No domestic cancellation cover. The Interstate Flight Inconvenience benefit does not apply to this card. Cancelled prepaid interstate flights and travel are not reimbursable.

No domestic flight delay cover. This benefit is not included with this card. Meals and accommodation during an interstate flight delay are the cardholder's responsibility.

No domestic additional expenses cover. This benefit is not included with this card. Extra interstate travel and accommodation after a disruption are out of pocket.

No domestic luggage cover. This benefit is not included with this card. Loss, theft, or damage to bags on an interstate trip is not reimbursable.

No domestic luggage delay cover. This benefit is not included with this card. Essential purchases during an interstate baggage delay are out of pocket.

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 Woolworths Money Credit Card 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

Money Credit CardThis card0.0/5?

A$49/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

A$240 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Woolworths Money Credit Card stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Money Credit Card shoppers also consider.

Card	This card Money Credit Card Woolworths · A$49/yr 0.0/5?	Amplify Platinum Bank of Melbourne · A$175/yr 4.3/5?	Amplify Signature Bank of Melbourne · A$295/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 / $500 Trigger: 6 hours	6h / $1,100 Trigger: 6 hours
Trip interruption Covered amount	Not covered Cover this gap →	Unlimited Extra travel & accommodation	Unlimited Extra travel & accommodation

StrongLimited / misleadingNot covered

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

Cardholder reviews

What cardholders say about the Woolworths Money Credit Card

Real experiences from Woolworths Money cardholders 40 reviews

happytraveller (ProductReview)

2020

Easy to use, good rewards

Great rewards offered on card. Easy to use and company good to deal with if any problems arise.

Stuart (ProductReview)

2021

Fraud left me out of pocket

My credit card was used in Hong Kong and it wasn't used by me. $2,100 was spent and I haven't been able to get any of the fraudulent expenditure back.

Very disappointed (ProductReview)

2022

No protection when fraud hit

Does not protect you against frauds, and when this happens they will be the one who turn against you.

Benefit administrator: Not applicable. The Woolworths Money Credit Card has no complimentary travel insurance, so there is no insurer or claims administrator to contact.

Claims & pre-authorizations

What to do if you need cover with the Woolworths Money Credit Card

Step 1: Do not rely on the card for travel cover

The Woolworths Money Credit Card never carried complimentary travel or rental insurance, and Woolworths withdrew the card in 2023. There is nothing to claim through Woolworths for a trip, a hire car, or a stolen purchase, so do not assume the platinum badge insures you.

Step 2: Buy a standalone policy before you travel

A dedicated travel insurance policy is the only source of overseas medical, cancellation, and rental excess cover for this card. Buy it before you leave Australia, and read the pre-existing condition terms if any apply to you.

Step 3: For a lost card or a disputed charge, contact your account servicer

Existing Woolworths accounts were moved to Macquarie in 2023. For a lost or stolen card, fraud, or a disputed transaction, use the servicing number printed on your statement or card. That line does not handle travel or insurance claims.

You cannot, because there is no travel insurance to activate. The Woolworths Money Credit Card, marketed as the Everyday Platinum, never carried complimentary overseas travel insurance, so holding the card or spending on it switches nothing on. Woolworths also withdrew the card in 2023 and moved existing accounts to Macquarie, so the product itself is no longer issued. If you are travelling and want overseas medical, cancellation, or baggage protection, the only route is a standalone travel insurance policy bought before you leave Australia. Buy it early and check the pre-existing condition terms if they apply to you.
No one. The Woolworths Money Credit Card has no complimentary travel, rental, or in-force purchase insurance, so there is no cover for the cardholder, a spouse or partner, or dependent children. This card never included complimentary travel insurance, and it was withdrawn when Woolworths exited credit cards in 2023. To protect anyone on a trip, take out a separate travel insurance policy that names each traveller. A standalone policy also lets you set the medical, cancellation, and baggage limits to suit the trip, which no card benefit here can do.
It does not, because the card carries no rental vehicle excess cover at all. Rental excess cover reimburses the excess you owe the hire company after a hire car is damaged or stolen, up to a cap, but the Woolworths Money Credit Card never included this benefit. So if a hire car is damaged or stolen, the excess is entirely on you, commonly $2,000 to $5,500 on an Australian hire. A standalone rental vehicle excess policy covers both Australian and overseas hires and is the only way to shift that cost off this card. Charge nothing to the card expecting cover, because none applies.
There is nothing to claim, because this card has no complimentary insurance. The Woolworths Money Credit Card never carried travel or rental cover, and it was withdrawn in 2023, so neither Woolworths nor any insurer will accept a claim tied to it. If you bought a standalone travel policy for your trip, claim through that insurer using the contact details in its own policy document. For a lost or stolen card, fraud, or a disputed transaction, use the servicing number on your statement, as existing accounts are now handled by Macquarie. That line does not handle insurance claims.
The short answer is everything on the insurance side. The Woolworths Money Credit Card has no overseas emergency medical cover, no evacuation, no trip cancellation, no baggage or delay cover, no personal liability, and no domestic interstate cover. It also has no rental vehicle excess cover, no extended warranty, no price guarantee, and no mobile phone insurance. While it was active it did carry a Chubb-backed purchase security benefit, but that ended when Woolworths withdrew the card in 2023. Treat the card as an insurance blank and cover any trip, hire car, or big purchase through a separate policy.
Yes, and it is not optional if you want to be covered. Because the Woolworths Money Credit Card has no complimentary travel insurance, a standalone policy is your only source of overseas emergency medical cover, which matters because Medicare pays nothing outside Australia and a serious hospital admission overseas can run $50,000 to $200,000. A separate policy also covers cancellation, baggage, and rental excess, none of which this card provides. Buy the policy before you leave, name every traveller, and check its pre-existing condition terms. If you now hold the Macquarie card your account was moved to, check its own Product Disclosure Statement separately.
No. The Woolworths Money Credit Card does not include mobile phone or screen insurance, and it never carried a dedicated phone cover. If your phone is lost, stolen, or the screen cracks, the repair or replacement is your cost, and a flagship screen repair alone runs about $200 to $600. Some cards and standalone gadget policies do cover phones, usually on the condition that the monthly phone bill is charged to the card, but that was never part of this product. Treat your phone as uninsured under this card and budget for repairs yourself, or look at a dedicated device policy.
No. There is no travel policy attached to the Woolworths Money Credit Card, so skiing, snowboarding, and any snow-sports injury or equipment loss are not covered, on-piste or off-piste. This card never offered complimentary travel insurance, so there is no snow cover to lose in the first place. For a ski or snowboard trip, take out a dedicated snow travel insurance policy, which typically covers on-piste activity and can add off-piste cover for an extra premium. Read its activities list carefully, since off-piste, racing, and backcountry are often excluded unless you pay to add them.
There was never any travel insurance on this card to lose. The Woolworths Money Credit Card, the Everyday Platinum, was a straightforward Visa that did not include complimentary overseas travel cover, unlike some pricier platinum cards. Woolworths then exited the credit-card market in 2023: the rewards program ended from June 2023, the cards stopped working from October 2023, and existing accounts were migrated to a Macquarie-branded Platinum Visa. If you relied on this card for anything, including a trip, that reliance ended with the card. Cover any future trip with a standalone travel insurance policy bought before departure.