Does the CIMB AWSM come with travel insurance?

No. The CIMB AWSM card does not come with any complimentary travel insurance. It is a youth and entry-level cashback card, built to earn 1% rebates on everyday spending, and no overseas medical, trip cancellation or baggage cover is attached to it. Charging your flights or hotels to the card does not switch on a policy, because there is no policy to activate. Some cardholders assume any credit card includes travel cover, but that is not the case here. If you are travelling, the practical step is to buy a standalone Singapore travel policy, which starts at around S$20 for a single trip and pays the hospital bills, cancellations and lost bags the card does not cover.

What travel protection does the CIMB AWSM offer?

None. As of 2026 the CIMB AWSM card offers no travel insurance protection at all. There is no overseas emergency medical benefit, no trip cancellation, no baggage cover and no personal accident sum tied to the card. It remains a straightforward cashback card for everyday spending, and it still works as a Mastercard payment method wherever you travel, but the insurance layer simply is not there. Airline or merchant promotions are sometimes confused with insurance; those are discounts, not medical or cancellation cover. For real protection on a trip you need a separate travel policy, since the card contributes nothing towards a claim if something goes wrong abroad.

Do I need separate travel insurance with the CIMB AWSM?

Yes. Because the card carries no cover of its own, paying for a trip with the CIMB AWSM gives you no insurance protection. A single unexpected hospital admission overseas, which MediShield Life does not cover outside Singapore, can run past S$100,000, and none of that falls on the card. MediShield Life is Singapore's national health insurance scheme, and it is designed for treatment at home, not abroad. A standalone Singapore travel policy fills the whole gap from around S$20 for a single trip, and it typically covers overseas medical, trip cancellation, baggage and personal liability. Buy the policy before you depart, keep the confirmation, and use the card purely to pay and earn cashback.

Does the CIMB AWSM cover COVID-19 medical costs overseas?

No. The CIMB AWSM card does not cover COVID-19 medical costs overseas, because it carries no travel insurance of any kind. If you catch COVID-19 abroad and need treatment or a hospital stay, the bill is entirely your own, and MediShield Life does not pay for care outside Singapore. This is a common point of confusion, since several Singapore travel policies do include COVID-19 cover. The card is not one of them. If COVID-19 protection matters for your trip, buy a standalone travel policy that lists COVID-19 medical and, ideally, trip cancellation among its benefits, and check the certificate wording before you rely on it.

Does the CIMB AWSM include mobile phone insurance?

No. The CIMB AWSM card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is your own cost, and a flagship screen repair alone runs about S$200 to S$600. The card's value sits in its 1% cashback, not in device or shopping protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically lists phone protection. Do not assume an entry-level cashback card includes device cover, because in Singapore that benefit is uncommon and is not attached to this card.

Is the CIMB AWSM enough for an overseas trip?

For paying merchants and earning cashback abroad, the CIMB AWSM is a fine card, and its Mastercard network is widely accepted. For protection, it is not enough on its own. The card provides no overseas medical, cancellation or baggage cover, so a trip paid entirely on it is still an uninsured trip. The realistic setup is to use the card for spending and rewards, and pair it with a standalone travel policy that covers the medical and disruption risks. That policy starts at around S$20 for a single trip. With both in place, you keep the cashback and gain the protection the card does not provide.

Does the CIMB AWSM card come with travel insurance in 2026?

CIMB·$0/year·Mastercard

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated 28 September 20268 min read

0,0/5Independent review · verified October 2026

Travel Insurance

0,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the CIMB AWSM

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

You book a short holiday to Bangkok, charge the flights to your CIMB AWSM card, and assume some travel cover comes with it. It does not. The CIMB AWSM is a youth and entry-level cashback card built around 1% rebates, and it carries no complimentary travel insurance at all. Charging your air fare to it switches nothing on, because there is no policy attached to activate. If a serious accident puts you in a hospital overseas, the bill can pass S$100,000, and none of it falls on the card. MediShield Life, Singapore's national health insurance scheme, does not pay for treatment outside Singapore, so that gap is entirely yours. A standalone Singapore travel policy closes it from about S$20 for a single trip and covers overseas medical, trip cancellation and lost baggage.

Where travel breaks down

No complimentary travel insurance: overseas medical, cancellation and baggage are all uninsured on this card
No overseas hospital cover: a major admission abroad can pass S$100,000, none of it paid by MediShield Life
Charging your air fare to the card activates nothing, because there is no travel policy attached

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 · 14 guarantees

What does CIMB AWSM Travel Insurance actually cover?

No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.

What's not covered

Personal accident is not a benefit of this card

No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.

What's not covered

Overseas medical treatment is not a benefit of this card
Pre-existing conditions and pregnancy excluded

No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.

What's not covered

Emergency medical evacuation is not a benefit of this card

No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.

What's not covered

Overseas emergency dental is not a benefit of this card

No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.

What's not covered

Overseas hospital daily cash is not a benefit of this card

No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.

What's not covered

Trip cancellation is not a benefit of this card

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

What's not covered

Trip curtailment is not a benefit of this card

No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.

What's not covered

Travel disruption is not a benefit of this card

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

What's not covered

Travel delay is not a benefit of this card

No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.

What's not covered

Missed connection is not a benefit of this card

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

What's not covered

Baggage loss is not a benefit of this card

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

What's not covered

Baggage delay is not a benefit of this card

No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.

What's not covered

Loss of travel documents is not a benefit of this card

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.

What's not covered

Personal liability overseas is not a benefit of this card

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 CIMB AWSM wins, where it loses

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

Accidental death: not covered by this card

Medical fees abroad: not covered by this card

Medical repatriation: not covered by this card

Compare

AWSMThis card0.0/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$210 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the CIMB AWSM stacks up against the alternatives

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

Card	This card AWSM CIMB · $0/yr 0.0/5?	Visa Infinite CIMB · $0/yr 2.0/5?	Premium Revolut · $132/yr 1.6/5?	Centurion American Express · $7,500/yr 4.2/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	S$1,000 Trip cancellation	Not covered	S$20,000 S$20,000 prepaid costs
Emergency medical Hospital bills abroad	Not covered Cover this gap →	S$25,000 Overseas medical	S$200,000 S$200,000 medical	Chubb arranges and pays No stated medical sub-limit
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	S$100,000 Evacuation & repatriation	Actual cost Up to actual cost	Arranged and paid by Chubb Evacuation + repatriation
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	6h / S$500 Flight delay 6h	Not covered	4h / up to S$900 Trigger: 4 hours
Trip interruption Covered amount	Not covered Cover this gap →	Not covered	Not covered	S$300/person S$300 per person

StrongLimited / misleadingNot covered

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

Cardholder reviews

What cardholders say about the CIMB AWSM

Cardholder experience with the card 3 reviews

Riyan Rohman (Seedly)

Great card to build your credit score

A great card to build your credit score for those who just started working but aren't eligible for those mainstream cards. Comes with 1% cashback on what youngsters would normally spend on anyway (telco, online shopping, dining) and there's no annual fees whatsoever, so that's a bonus!

WenBin Leong (Seedly)

Good entry-level card, fast application

A good entry level credit card for students and NSFs, speed of application was very fast and easy Credit : $500 Benefits : 1% Cashback on dining, online shopping, telco and entertainment Annual Fee : None

Puay Choo Ng (Seedly)

Above-average rebates, no minimum spend

Really one of the best cards in the market with above average rebates and no min spend criteria.

What to do if you need travel cover with the CIMB AWSM

Step 1: Buy a standalone travel policy before you fly

Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.

Step 2: Keep your policy and emergency number with you

Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.

Step 3: Escalate to FIDReC for a card-issuer dispute

For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.

No. The CIMB AWSM card does not come with any complimentary travel insurance. It is a youth and entry-level cashback card, built to earn 1% rebates on everyday spending, and no overseas medical, trip cancellation or baggage cover is attached to it. Charging your flights or hotels to the card does not switch on a policy, because there is no policy to activate. Some cardholders assume any credit card includes travel cover, but that is not the case here. If you are travelling, the practical step is to buy a standalone Singapore travel policy, which starts at around S$20 for a single trip and pays the hospital bills, cancellations and lost bags the card does not cover.
None. As of 2026 the CIMB AWSM card offers no travel insurance protection at all. There is no overseas emergency medical benefit, no trip cancellation, no baggage cover and no personal accident sum tied to the card. It remains a straightforward cashback card for everyday spending, and it still works as a Mastercard payment method wherever you travel, but the insurance layer simply is not there. Airline or merchant promotions are sometimes confused with insurance; those are discounts, not medical or cancellation cover. For real protection on a trip you need a separate travel policy, since the card contributes nothing towards a claim if something goes wrong abroad.
Yes. Because the card carries no cover of its own, paying for a trip with the CIMB AWSM gives you no insurance protection. A single unexpected hospital admission overseas, which MediShield Life does not cover outside Singapore, can run past S$100,000, and none of that falls on the card. MediShield Life is Singapore's national health insurance scheme, and it is designed for treatment at home, not abroad. A standalone Singapore travel policy fills the whole gap from around S$20 for a single trip, and it typically covers overseas medical, trip cancellation, baggage and personal liability. Buy the policy before you depart, keep the confirmation, and use the card purely to pay and earn cashback.
No. The CIMB AWSM card does not cover COVID-19 medical costs overseas, because it carries no travel insurance of any kind. If you catch COVID-19 abroad and need treatment or a hospital stay, the bill is entirely your own, and MediShield Life does not pay for care outside Singapore. This is a common point of confusion, since several Singapore travel policies do include COVID-19 cover. The card is not one of them. If COVID-19 protection matters for your trip, buy a standalone travel policy that lists COVID-19 medical and, ideally, trip cancellation among its benefits, and check the certificate wording before you rely on it.
No. The CIMB AWSM card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is your own cost, and a flagship screen repair alone runs about S$200 to S$600. The card's value sits in its 1% cashback, not in device or shopping protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically lists phone protection. Do not assume an entry-level cashback card includes device cover, because in Singapore that benefit is uncommon and is not attached to this card.
For paying merchants and earning cashback abroad, the CIMB AWSM is a fine card, and its Mastercard network is widely accepted. For protection, it is not enough on its own. The card provides no overseas medical, cancellation or baggage cover, so a trip paid entirely on it is still an uninsured trip. The realistic setup is to use the card for spending and rewards, and pair it with a standalone travel policy that covers the medical and disruption risks. That policy starts at around S$20 for a single trip. With both in place, you keep the cashback and gain the protection the card does not provide.