ANZ Credit Card Insurance

Involuntary unemployment

• 15% of the outstanding balance of your credit card is paid per month, up to $50,000, if you are involuntarily unemployed.
• After receiving benefits for 180 days, the difference between the total benefit payments received by you and your total outstanding balance will be paid if you are still unemployed.
• This means that your total outstanding balance can be paid in full after 6 months.

Disability (through injury or illness)

• 15% of the outstanding balance of your credit card is paid per month, up to $50,000, if you suffer a disability through illness or injury.
• After receiving benefits for 180 days, the difference between the total benefit payments received by you and your total outstanding balance will be paid if you are still disabled.
• This means that your total outstanding balance can be paid in full after 6 months.

Total and permanent disability

The total outstanding balance of your credit card, up to $50,000 is paid, in the event of your total and permanent disability.

Critical illness

The total outstanding balance of your credit card, up to $50,000 is paid, in the event of a covered critical illness.

Life

The total outstanding balance of your credit card, up to $50,000 is paid, in the event of your death.

Accidental death

If your death is accidental, an equal and additional sum to the Life Benefit will be payable to your estate, up to a further $50,000.

Stolen card

A lump sum benefit of $200 is paid if your credit card is reported as stolen to the police.

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• The monthly premium is just 85c per $100 of the closing balance on your credit card statement each month (up to a maximum of $50,000).
• Your premium will be automatically charged to your nominated ANZ credit card account and will appear on your monthly statement.
• The premium will still be payable if you pay your credit card account in full at each statement due date, unless the closing balance on your credit card statement is less than $10 or in credit. The closing balance is the outstanding balance on the date the credit card statement is produced and sent to you, not the outstanding balance on the date your payment is due.

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I don't have an ANZ credit card

• You can apply for a credit card online and receive a response in 60 seconds.
• Select 'Yes' when asked if you wish to apply for ANZ Credit Card Insurance.
• Alternatively, phone 13 33 33 and select 'credit cards' option.

I already have an ANZ credit card

Option 1

• Call 1800 304 605

Option 2

• Go to ANZ Internet Banking.
• Select the credit card that you wish to protect.
• Select "Apply for credit card repayment protection now" in the menu bar at the top of the page.

Option 3

• Go to any ANZ Branch

Before you apply, please read the ANZ Financial Services Guide (PDF 104kB) and the ANZ Credit Card Insurance Product Disclosure Statement (PDF 660kB).

If you have further questions about ANZ Credit Card Insurance, please call us on 13 33 33.

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Making a claim under your ANZ Credit Card Insurance is simple.

1. Contact us on 13 16 14 and advise us of the claim details;
2. Complete the claim application form that we provide, and collect all necessary supporting information as detailed on the claim form and/or as requested by us, and
3. Send all the information to us.

If your claim is for the disability or unemployment benefit you may also complete the,

• ANZ Credit Card Insurance Disability Claim Form (PDF 276kB) or
• ANZ Credit Card Insurance Unemployment Claim Form (PDF 272kB)

and fax it to 02/9234 5015 or email it to diclaims@onepath.com.au.

Please ensure that all sections of the forms are fully completed and that you provide any additional documentation as required in the form.

After receiving the claim, we will advise if any additional information is required before advising the outcome of our assessment.

If you have already lodged a claim for a disability or unemployment benefit which has been accepted by us and you require a form to receive further benefits, you can complete the ANZ Credit Card Insurance Progress Claim form (PDF 156kB) and send it to us.

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• ANZ Financial Services Guide (PDF 104kB)
• ANZ Credit Card Insurance Product Disclosure Statement (PDF 660kB)

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Please note that terms and conditions apply. For full details on benefits and exclusions, please read the ANZ Credit Card Insurance Product Disclosure Statement (PDF 660kB).

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