Credit Cards with Extended Warranty Insurance

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. The American Express Platinum Card Referral Offer

American Express points

$1,450 annual fee

Referral offerHow referrals work

Offer

225,000 American Express points

Buyer's Advantage Cover extends cover beyond the original Australian manufacturer's warranty (up to an extra 1 year), covering breakdown or defect of eligible items, up to $20,000 per item and per 365-day period.

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Estimated value after fees $1,408

Velocity flights

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2. Qantas Premier Titanium

Qantas points

$1,200 annual fee

Offer

150,000 Qantas points

Buyer's Advantage Cover extending the manufacturer's Australian warranty on eligible purchases bought on the card.

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Estimated value after fees $1,300

Qantas flights

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3. Virgin Australia Velocity High Flyer Card

Velocity points

$349 annual fee

Offer

80,000 Velocity points

Extended warranty insurance of up to 12 months in addition to the covered product's Australian warranty period when purchases are made with the Velocity High Flyer Card.

Spend $7,000 in 60 days (~$3,500/mo)

Craig's Take

Tough spend — $117/day for 60 days. Good ongoing earn rate. $129 cashback offsets the $349 fee.

Estimated value after fees $1,229

Velocity flights

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4. Westpac Altitude Velocity Black (Existing customers)

Velocity points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Velocity points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on covered products charged to the card (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product and $20,000 per card account per 12 months; $300 excess per claim

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,216

Velocity flights

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5. Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Qantas points

Up to 24 months extended warranty cover (in addition to the manufacturer's Australian warranty) on eligible items charged to the card, up to $20,000 per covered product; $300 excess per claim

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Offer Expires in 17 days (2026-10-28)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,123

Qantas flights

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6. Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on covered products charged to the card (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product and $20,000 per card account per 12 months; $300 excess per claim

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,121

Velocity flights

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7. Westpac Altitude Qantas Black

Qantas points

$295 annual fee

Offer

90,000 Qantas points

Up to 24 months extended warranty cover (in addition to the manufacturer's Australian warranty) on eligible items charged to the card, up to $20,000 per covered product; $300 excess per claim

Spend $6,000 in 90 days (~$2,000/mo)

Offer Expires in 17 days (2026-10-28)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,028

Qantas flights

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8. Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on eligible products charged to the card (no cover if warranty exceeds 5 years); $20,000 per product limit, $300 excess

Spend $4,000 in 90 days (~$1,333/mo)

$99 first year annual fee, $175 thereafter

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $988

Velocity flights

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9. Westpac Altitude Velocity Platinum

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on eligible products charged to the card (no cover if warranty exceeds 5 years); $20,000 per product limit, $300 excess

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $912

Velocity flights

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10.

10. MyCard Premier

MyCard points

$300 annual fee

Offer

120,000 MyCard points

Extends the manufacturer's Australian warranty on eligible items charged to the card by up to one additional year (no cover if manufacturer's warranty exceeds 5 years); up to $10,000 per item and $40,000 per card account in any 12-month period; no excess

Spend $7,000 in 90 days (~$2,333/mo)

Craig's Take

Moderate spend — $78/day for 90 days. Good ongoing earn rate. $72 cashback offsets the $300 fee.

Estimated value after fees $881

Velocity flights

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11.

11. MyCard Premier Velocity

Velocity points

$300 annual fee

Offer

60,000 Velocity points

Extends the manufacturer's Australian warranty on eligible items charged to the card by up to one additional year (no cover if manufacturer's warranty exceeds 5 years); up to $10,000 per item and $40,000 per card account in any 12-month period; no excess

Spend $7,000 in 90 days (~$2,333/mo)

Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Estimated value after fees $852

Velocity flights

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12.

12. Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

Extends the manufacturer's Australian warranty by up to 2 years on eligible products (no cover where warranty exceeds 5 years); up to $20,000 per product and per card account in any 12-month period; $300 excess

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $841

Qantas flights

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13.

13. Virgin Australia Velocity Flyer Card

Velocity points

$169 annual fee

Offer

50,000 Velocity points

Extended warranty insurance for up to 12 months in addition to the covered product's Australian warranty period on eligible purchases made with the Flyer Credit Card.

Spend $3,000 in 60 days (~$1,500/mo)

Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $169 fee.

Estimated value after fees $836

Velocity flights

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14.

14. MyCard Rewards Velocity

Velocity points

$249 annual fee

Offer

60,000 Velocity points

Extends the manufacturer's Australian warranty by up to one year on eligible items charged in full to the card account (no cover where the manufacturer's warranty exceeds five years); up to $10,000 per item, max $40,000 per card account per 12 months

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $805

Velocity flights

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15.

15. CommBank Ultimate Awards Credit Card (with $4000 per month spend)

Commbank points

$420 annual fee

Offer

50,000 Commbank points

Extends the manufacturer's Australian warranty on eligible items charged to the card by a period equal to the original warranty, up to a maximum of one extra year (no cover where the Australian warranty exceeds 5 years); $100 excess; up to $20,000 per 12-month period for personal Ultimate Awards cardholders

Spend $9,000 in 90 days (~$3,000/mo)

Craig's Take

Moderate spend — $100/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $675

Coles gift cards

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16.

16. ANZ Rewards Platinum

ANZ points

$149 annual fee

Offer

85,000 ANZ points

Extends an eligible item's manufacturer's Australian warranty by the same period for up to one year (no cover if the manufacturer's warranty exceeds five years); up to $10,000 per item and per card account in any 12 months

Spend $3,500 in 90 days (~$1,167/mo)

Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Estimated value after fees $668

Velocity flights

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17.

17. NAB Qantas Rewards Signature Card existing customer offer

Qantas points

$449 annual fee

Existing customers onlyCan I become an existing customer?

Offer

50,000 Qantas points

Complimentary extended warranty insurance

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Estimated value after fees $611

Qantas flights

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18.

18. NAB Rewards Platinum Card

NAB points

$195 annual fee

Offer

80,000 NAB points

Complimentary extended warranty insurance

Spend $3,000 in 90 days (~$1,000/mo)

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $517

Velocity flights

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19.

19. MyCard Rewards

MyCard points

$249 annual fee

Offer

100,000 MyCard points

Extends the manufacturer's Australian warranty by up to one year on eligible items charged in full to the card account (no cover where the manufacturer's warranty exceeds five years); up to $10,000 per item, max $40,000 per card account per 12 months

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate.

Estimated value after fees $482

Velocity flights

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20.

20. ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

50,000 Qantas points

Extends the Australian manufacturer's warranty on eligible card purchases for the same period as the warranty, up to a maximum of one extra year (no cover where the warranty exceeds five years); up to $10,000 per item and $10,000 per card account per 12-month period; no excess.

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Estimated value after fees $471

Qantas flights

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21.

21. NAB Qantas Rewards Signature Card

Qantas points

$449 annual fee

Offer

40,000 Qantas points

Complimentary extended warranty insurance

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Estimated value after fees $451

Qantas flights

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22.

22. MyCard Premier Qantas

Qantas points

$350 annual fee

Offer

40,000 Qantas points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 1 year on eligible purchases charged to the card; up to $10,000 per item, $40,000 per card account per 12 months. No cover if manufacturer's warranty exceeds 5 years.

Spend $7,000 in 90 days (~$2,333/mo)

Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Estimated value after fees $346

Qantas flights

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23.

23. NAB Qantas Rewards Premium Card

Qantas points

$295 annual fee

Offer

25,000 Qantas points

Complimentary extended warranty insurance

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Estimated value after fees $287

Qantas flights

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24.

24. Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years (no cover where the manufacturer's warranty exceeds 5 years) on covered products charged to the card; up to $20,000 per product and per card account per 12 months, $300 excess

Spend $12,000 in 365 days (~$986/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $285

Krisflyer flights

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25.

25. Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Existing customers onlyCan I become an existing customer?

Offer

75,000 Westpac points

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 additional years on eligible products charged to the card account (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product; $300 excess per claim

Spend $3,000 in 90 days (~$1,000/mo)

$49 first year annual fee, $175 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $281

Krisflyer flights

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26.

26. BOQ Platinum Visa Credit Card

BOQ points

$149 annual fee

Offer

100,000 BOQ points

Includes complimentary extended warranties on eligible purchases (terms, conditions, limits and exclusions apply)

Spend $4,500 in 90 days (~$1,500/mo)

$75 first year annual fee, $149 thereafter

Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $215

Woolworths gift cards

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27.

27. Bankwest Qantas Platinum Mastercard

Qantas points

$199 annual fee

Offer

20,000 Qantas points

Extended Warranty cover on eligible goods charged to the card (or acquired using points), up to $30,000 total in a 12-month period; $250 excess applies.

Spend $4,000 in 120 days (~$1,000/mo)

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $159

Qantas flights

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28.

28. ANZ Frequent Flyer Platinum

Qantas points

$295 annual fee

Offer

25,000 Qantas points

Extends an eligible manufacturer's Australian warranty by the same period for up to one additional year on items charged to the card, up to $10,000 per item and $10,000 per card account in any 12 months; no cover where the manufacturer's warranty exceeds five years

Spend $3,500 in 120 days (~$875/mo)

Craig's Take

Easy $29/day spend to hit the bonus. Good ongoing earn rate.

Estimated value after fees $147

Qantas flights

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29.

29. Bankwest Qantas World Mastercard

Qantas points

$320 annual fee

Offer

20,000 Qantas points

Extended Warranty cover on eligible purchases charged to the card: pays the actual amount charged to card (or market value if purchased through points), up to a $30,000 overall limit in a 12-month period; $250 excess applies.

Spend $4,000 in 120 days (~$1,000/mo)

Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $64

Qantas flights

Read my analysis

30.

30. The American Express Platinum Edge Credit Card

American Express points

$195 annual fee

Offer

0 American Express points

Buyer's Advantage Cover extends the original Australian manufacturer's warranty by up to 1 year on eligible items, up to $10,000 per item and $10,000 in any 365-day period

Spend $0 in 0 days

$0 first year annual fee, $195 thereafter

Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Value estimate unavailable

Read my analysis