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COMPLIMENTARY INSURANCE

Complimentary Insurance.

Many of our Citi credit card cardholders are eligible for complimentary insurance cover. Check below to see if your card carries any complimentary insurance policies.

Effective 1 May 2016, Citibank Credit Card Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited (“Allianz”).

If you lodge your claim prior to 1 May 2016, Zurich Australian Insurance Limited (“Zurich”) will be responsible for the claim.

If you lodge your claim on or after 1 May 2016, Allianz will be responsible for the claim.

Please refer to the links below for the relevant terms and conditions. Also below is a link to a document which sets out the changes made to the terms and conditions that applied prior to 1 May 2016.

For each complimentary insurance policy you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.

Complimentary Insurance Cover per Credit Card

PRESTIGE, SIGNATURE & EMIRATES WORLD

International Travel

Citi Prestige, Citibank Rewards Credit Card - Signature and Emirates Citibank World® Cardholders are eligible for International Travel Insurance, if their travel is for no more than six (6) consecutive months or less and when prior to leaving Australia their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

  • charging the cost of the overseas travel ticket to the cardholder's card; or
  • obtaining the overseas travel ticket under the Citibank Travel Program; or
  • obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
  • the person is a cardholder at the time they obtain their overseas travel ticket.

What is covered?

The table below shows the limits that apply and an outline of the cover available. Please read the entire policy to make sure that you understand the details of the cover provided and to ensure it meets your requirements.

Medical & hospital expenses Extensive cover for unexpected medical and hospital expenses, except bed care patient allowance (i.e. miscellaneous expenses such as phone calls & TV rental) of A$110 per day is limited to A$13,000 per person to maximum of A$16,500 in total. No cover for pre-existing medical conditions, unless prior approval given and the administrative fee paid.
Personal belongings and business items

Limit of A$16,000 per person up to a maximum A$32,000 for a family subject to the following limits. (However, property left unattended in a motor vehicle is only insured up to a value of A$250 per item to a maximum of A$2,500 in total and business effects are only insured for A$3,000 in total):

  • clothing and personal valuables A$5,000/item
  • portable electrical equipment and binoculars A$5,000/item
  • cameras and associated equipment/accessories A$5,000/camera
  • laptop computers and associated equipment/accessories A$5,000 in total
  • travel documents, travellers cheques, credit cards and cash etc, A$600/person, cash to a maximum of A$1,100 for a family
  • emergency replacement of your clothes and toiletries A$500/person to a maximum of A$1,000 for a family.
Unexpected cancellation of travel arrangements and other unexpected expenses Extensive cover for event, travel and unexpected expenses, except for travel agents cancellation fee, which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent. Also, cover for the financial insolvency or financial collapse of a licensed service provider is limited to A$5,000 per person up to a maximum of A$12,000 for a family.
Resumption of Journey Limit of A$6,000 per person up to a maximum A$12,000 for a family.
Special event Limit of A$2,500 for the reasonable cost of arranging alternative public transport in order to attend a special event.
Rental vehicle excess Limit of A$2,750.
Travel delay For reasonable additional meal & accommodation costs after 6-hour delay, limit to A$475 per person up to a maximum of A$1,100 for a family.
Funeral expenses Limit of A$20,000 for overseas funeral/cremation or return of remains to Australia.
Accidental death In the event of accidental death, we will pay A$50,000 per cardholder, A$25,000 per spouse and A$5,000 per dependant child.
Loss of income Up to three consecutive months or A$12,000, whichever comes first. Where a cardholder and spouse both claim, up to a maximum of A$1,250 per person per week.
Legal liability Limit of A$2,250,000.
Interstate Flight Inconvenience
  • Loss or theft of personal belongings
  • Emergency replacement of luggage when a flight is delayed
  • Cancellation of travel arrangements due to unexpected circumstances
  • Reimbursement of any rental vehicle excess or deductible
  • Reimbursement of additional meal and refreshment expenses due to flight delay, and
  • Funeral expenses.

Citi Prestige, Citibank Rewards Credit Card - Signature and Emirates Citibank World® cardholders are eligible for Interstate Flight Inconvenience Insurance on interstate flights if,

  • The entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the cardholder's card prior to commencing the journey, and
  • Where the travel is for 14 consecutive days or less.

If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

  • The entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the cardholder's card prior to commencing the journey
  • Where the travel is for 14 consecutive days or less, and
  • They are travelling with the cardholder for the entire journey.

Please note that you will not be eligible for cover under Interstate Flight Inconvenience Insurance if your travel is greater than 14 consecutive days.

What is covered?

The table below shows the limits that apply and an outline of the cover available for Citi Select, Citibank Rewards Credit Card - Signature and Emirates Citibank World®, their spouses and dependent child/children. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Personal belongings and business items A$750 for each item up to A$1,500
Luggage delay A$150 per person up to A$450
Flight delay
  • 4 hours or more, A$80 per person up to A$300
  • 10 hours or more, another A$80 per person up to A$300
Missed connection 4 hours or more, A$80 per person up to A$300
Funeral expenses A$2,500 per person up to A$7,000
Transit Accident

Citi Prestige, Citibank Rewards Credit Card - Signature and Emirates Citibank World® Cardholders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

  • They are travelling with the cardholder on the entire trip; and
  • The entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.

What is covered?

This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Citi Prestige, Citibank Rewards Credit Card - Signature and Emirates Citibank World®

Cardholder Spouse Dependent
Loss of Life A$500,000 A$250,000 A$125,000
Loss of both hands and/or both feet A$500,000 A$250,000 A$125,000
Loss of one hand in conjunction with one foot A$500,000 A$250,000 A$125,000
Loss of the entire sight of both eyes A$500,000 A$250,000 A$125,000
Loss of the entire sight of one eye in conjunction with and one hand and/or one foot A$500,000 A$250,000 A$125,000
Loss of one hand or one foot A$250,000 A$125,000 A$62,500
Loss of the entire sight of one eye A$250,000 A$125,000 A$62,500
Purchase Cover

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

  • Purchased anywhere in the world; or
  • Given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

  • The actual amount charged to the cardholder's eligible credit card account to purchase the personal goods; or
  • A$10,000 per claim in respect of jewellery, watches and fine arts; or
  • A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing

All Citibank Credit Card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

  • The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
  • The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
  • You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Extended Warranty

Extended Warranty Insurance is a benefit available to Citi Prestige, Citibank Rewards Credit Card - Signature and Emirates Citibank World Cardholders.

The cover extends the manufacturer's expressed Australian warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citibank credit card account.

The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the Australian warranty period that applies to the personal goods.

For Example:

7 days 7 days
14 days 14 days
1 month 1 month
6 months 6 months
1 to 5 years 1 years
Over 5 years No cover

This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the Australian warranty. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Extended Warranty Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Frequently Asked Questions Make a claim

If you want to make a claim, please contact Allianz Global Assistance directly.

If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

Platinum

International Travel

Citibank Rewards Credit Card - Platinum and Emirates Citibank Platinum Cardholders are eligible for International Travel Insurance, if their travel is less than six (6) consecutive months and, when prior to leaving Australia, their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

  • charging the cost of the overseas travel ticket to the cardholder's card; or
  • obtaining the overseas travel ticket under the Citibank Travel Program; or
  • obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
  • the person is a cardholder at the time they obtain their overseas travel ticket.

What is covered?

The table below shows the limits that apply and an outline of the cover available. Please read the entire policy to make sure that you understand the details of the cover provided and to ensure it meets your requirements.

Medical & hospital expenses Extensive cover for unexpected medical and hospital expenses, except bed care patient allowance (i.e. miscellaneous expenses such as phone calls & TV rental) of A$110 per day is limited to A$13,000 per person to maximum of A$16,500 in total. No cover for pre-existing medical conditions, unless prior approval given and the administrative fee paid.
Personal belongings and business items

Limit of A$16,000 per person up to a maximum A$32,000 for a family subject to the following limits. (However, property left unattended in a motor vehicle is only insured up to a value of A$250 per item to a maximum of A$2,500 in total and business effects are only insured for A$3,000 in total):

  • clothing and personal valuables A$5,000/item
  • portable electrical equipment and binoculars A$5,000/item
  • cameras and associated equipment/accessories A$5,000/camera
  • laptop computers and associated equipment/accessories A$5,000 in total
  • travel documents, travellers cheques, credit cards and cash etc, A$600/person, cash to a maximum of A$1,100 for a family
  • emergency replacement of your clothes and toiletries A$500/person to a maximum of A$1,000 for a family.
Unexpected cancellation of travel arrangements and other unexpected expenses Extensive cover for event, travel and unexpected expenses, except for travel agents cancellation fee, which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent. Also, cover for the financial insolvency or financial collapse of a licensed service provider is limited to A$5,000 per person up to a maximum of A$12,000 for a family.
Resumption of Journey Limit of A$6,000 per person up to a maximum A$12,000 for a family.
Special event Limit of A$2,500 for the reasonable cost of arranging alternative public transport in order to attend a special event.
Rental vehicle excess Limit of A$2,750.
Travel delay For reasonable additional meal & accommodation costs after 6-hour delay, limit to A$475 per person up to a maximum of A$1,100 for a family.
Funeral expenses Limit of A$20,000 for overseas funeral/cremation or return of remains to Australia.
Accidental death In the event of accidental death, we will pay A$50,000 per cardholder, A$25,000 per spouse and A$5,000 per dependant child.
Loss of income Up to three consecutive months or A$12,000, whichever comes first. Where a cardholder and spouse both claim, up to a maximum of A$1,250 per person per week.
Legal liability Limit of A$2,250,000.
Transit Accident

Citibank Rewards Credit Card -Platinum, and Emirates Citibank Platinum cardholders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

  • They are travelling with the cardholder on the entire trip; and
  • The entire payment for their

    trip was charged to the cardholder's card prior to the commencement of the trip.

What is covered?

This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Citibank Rewards Credit Card - To Emirates Citibank World MasterCard Platinum,and Emirates Citibank Platinum cardholders

Cardholder Spouse Dependent
Loss of Life A$500,000 A$250,000 A$125,000
Loss of both hands and/or both feet A$500,000 A$250,000 A$125,000
Loss of one hand in conjunction with one foot A$500,000 A$250,000 A$125,000
Loss of the entire sight of both eyes A$500,000 A$250,000 A$125,000
Loss of the entire sight of one eye in conjunction with and one hand and/or one foot A$500,000 A$250,000 A$125,000
Loss of one hand or one foot A$250,000 A$125,000 A$62,500
Loss of the entire sight of one eye A$250,000 A$125,000 A$62,500
Purchase Cover

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

  • Purchased anywhere in the world
  • Given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

  • The actual amount charged to the cardholder's eligible credit card account to purchase the personal goods; or
  • A$10,000 per claim in respect of jewellery, watches and fine arts; or
  • A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing

All Citibank Credit Card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

  • The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
  • The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
  • You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Extended Warranty

Extended Warranty Insurance is a benefit available to Citibank Rewards Credit Card - Platinum, and Emirates Citibank Platinum cardholders.

The cover extends the manufacturer's expressed Australian warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citibank credit card account.

The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the Australian warranty period that applies to the personal goods.

For Example:

7 days 7 days
14 days 14 days
1 month 1 month
6 months 6 months
1 to 5 years 1 years
over 5 years No cover

This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the Australian warranty. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Extended Warranty Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Frequently Asked Questions Make a Claim

If you want to make a claim, please contact Allianz Global Assistance directly.

If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

Gold

International Travel

Citibank Rewards Credit Card - CitiBusiness Gold Credit Card cardholders are eligible for this International Travel Insurance, if their travel is less than three (3) consecutive months and, when prior to leaving Australia, their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

  • charging the cost of the overseas travel ticket to the cardholder's card; or
  • obtaining the overseas travel ticket under the Citibank Travel Program; or
  • obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
  • the person is a cardholder at the time they obtain their overseas travel ticket.

What is covered?

The table below shows the limits that apply and an outline of the cover available for CitiBusiness Gold Credit Card Cardholders, their spouses and dependent child/children. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Medical & hospital expenses Extensive cover for unexpected medical and hospital expenses, except bed care patient allowance (i.e. miscellaneous expenses such as phone calls & TV rental) of A$110 per day is limited to A$5,000 per person to maximum of A$7,500 in total. No cover for pre-existing medical conditions, unless prior approval given and the administrative fee paid.
Personal belongings and business items

Limit of A$11,000 per person up to a maximum A$16,000 for a family subject to the following limits. (However, property left unattended in a motor vehicle is only insured up to a value of A$250 per item to a maximum of A$2,500 in total and business effects are only insured for A$3,000 in total):

  • clothing and personal valuables A$3,000/item
  • portable electrical equipment and binoculars A$3,000/item
  • cameras and associated equipment/accessories A$3,000/camera
  • laptop computers and associated equipment/accessories A$3,000 in total
  • travel documents, travellers cheques, credit cards and cash etc, A$500/person, cash to a maximum of A$1,000 for a family
  • emergency replacement of your clothes and toiletries A$500/person to a maximum of A$1,000 for a family.
Unexpected cancellation of travel arrangements and other unexpected expenses Extensive cover for event, travel and unexpected expenses, except for travel agents cancellation fee, which is limited to an amount equal to the lesser of A$500 or 15% of the value of the travel arranged by the agent. Also, cover for the financial insolvency or financial collapse of a licensed service provider is limited to A$5,000 per person up to a maximum of A$12,000 for a family.
Resumption of Journey Limit of A$5,000 per person up to a maximum A$10,000 for a family.
Special event Limit of A$2,250 for the reasonable cost of arranging alternative public transport in order to attend a special event.
Rental vehicle excess Limit of A$2,750.
Travel delay For reasonable additional meal & accommodation costs after 6-hour delay, limit to A$275 per person up to a maximum of A$700 for a family.
Funeral expenses Limit of A$15,000 for overseas funeral/cremation or return of remains to Australia.
Accidental death In the event of accidental death, we will pay A$25,000 per cardholder, A$20,000 per spouse and A$5,000 per dependant child.
Loss of income Up to three Consecutive months or A$8,000, whichever comes first. Where a cardholder and spouse both claim, up to a maximum of A$750 per person per week
Legal liability Limit of A$2,250,000.
Purchase Cover

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

  • Purchased anywhere in the world
  • Given as a gift to any permanent Australian resident

Provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

  • The actual amount charged to the cardholder's eligible credit card account to purchase the personal goods; or
  • A$3,000 per claim in respect of jewellery, watches and fine arts; or
  • A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing

All Citibank cardholders are eligible for Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

  • The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased
  • The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product, and
  • You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store catalogue advertising the cheaper covered product

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Frequently Asked Questions Make a Claim

If you want to make a claim, please contact Allianz Global Assistance directly.

If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

Classic

Purchase Cover

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

  • Purchased anywhere in the world; or
  • Given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

  • The actual amount charged to the cardholder's eligible credit card account to purchase the personal goods; or
  • A$1,000 per claim in respect of jewellery, watches and fine arts; or
  • A$50,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing

All Citibank cardholders are eligible for Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

  • The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
  • The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and

you make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Frequently Asked Questions Make a Claim

If you want to make a claim, please contact Allianz Global Assistance directly.

If you have a travel emergency overseas, please call Allianz Global Assistance (reverse charge/collect) any time from any place in the world. You can usually do this by phoning the operator where you are and booking a reverse charge call to Australia +61 7 3305 7499.

Allianz Global Assistance has a team of medical professionals who are only a phone call away and are available 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems for travellers outside Australia.

If you are in Australia (or when you return to Australia) and you wish to make a claim, you must lodge a claim with us within 30 days of, or as soon as possible of, learning of any loss, damage, injury or breakdown that may result in a claim. Or if you are overseas, you can lodge a claim within 30 days or as soon as possible after returning to Australia. You can lodge a claim by calling Allianz Global Assistance on 1800 072 791.

SIMPLICITY & CLEAR PLATINUM

If you find that the Complimentary Insurance provided by your Credit Card does not satisfy all of your Personal needs or circumstances Citibank also has a range of other travel Insurance options.

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Category: Auto Insurance

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