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Credit Card Insurance

Protect yourself against financial stress no matter what life deals you with Credit Card Insurance

what is credit card insurance

Credit cards can be a convenient way to pay for the things you want and need. But if you’re unable to work due to illness or injury, have you thought about how you’ll cover your repayments?

What is Credit Card Insurance?

Credit Card Insurance can help you cover your credit card repayments when injury, illness or involuntary unemployment means you can’t. And if the worst should happen and you pass away, Credit Card Insurance can pay off the balance of your credit card – so your loved ones won’t be left with your debt.

Who should consider it?

If you have a credit card, Credit Card Insurance is something to consider. Generally, this type of insurance is useful if you have a credit card and are concerned about paying the outstanding amount if you are unable to work and do not have the financial means or another form of insurance protection to cover your credit card repayments.

How it works

While Credit Card Insurance products may differ, most will ensure your credit card outstanding balance will be paid off if you are unable to work due to an illness or injury, diagnosed with cancer, have a stroke/heart attack or you become involuntarily unemployed through no fault of your own - up to the maximum limits of the policy.

How much cover can I get?

Credit Card Insurance will cover your outstanding balance on your credit card up to a maximum limit of usually $50,000. Therefore you don’t choose your amount of cover as it can vary from month to month based on your outstanding balance.

How do I pay for Credit Card Insurance?

Credit Card Insurance is usually paid monthly. The cost of your Credit Card Insurance will depend on the outstanding balance on your monthly statement. If you have no balance outstanding on your credit card then there will be no insurance premium for that month.

Using CardAssure (which is offered via our partner Citibank), the premium for this product is 69c per $100 of your outstanding balance on your monthly statement.

About MetLife Credit Card Insurance
Credit Card Partners

MetLife Credit Card Insurance is available through our partners:

If you are an existing policy holder and have a question about your cover or require a PDS please contact your respective credit card provider directly.

Partner Benefits
  • Enjoy generous cover: Get covered for up to $50,000 worth of credit card repayments.
  • Reduce your financial worries during stressful times: We’ll cover 100% of your insured card’s outstanding balance if injury or illness means you can’t work, or you lose your job and can’t find work for more than 30 days - up to the maximum benefit limit.
  • Cooling off period: If you cancel within the 30-day cooling off period, we’ll refund you any premiums you have paid , as long as you haven’t made a claim.
  • Get cover quickly and easily: If you meet the eligibility criteria your application will be automatically accepted – there are no medical or blood tests. Please review the Product Disclosure Statement (PDS) to find out if you’re eligible. 
Credit Card Insurance Contact Us

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This website contains general information only, which does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement, available upon request by calling 1300 555 625, before making any decision. Life insurance products are issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096.

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