MONEYME Cashback Rewards

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# Source: https://www.moneyme.com.au/credit-card/cashback-credit-card

#### Loan types

* [Personal loans](https://www.moneyme.com.au/personal-loan)
* [Debt consolidation](https://www.moneyme.com.au/debt-consolidation)
* [Refinance loans](https://www.moneyme.com.au/personal-loan/refinance)
* [Medical loans](https://www.moneyme.com.au/medical-loan)
* [Renovation loans](https://www.moneyme.com.au/renovation-loan)
* [Wedding loans](https://www.moneyme.com.au/personal-loan/wedding-loan)
* [Travel loans](https://www.moneyme.com.au/personal-loan/travel-loan)
* [Car loans](https://www.moneyme.com.au/car-loan)

#### Rates & calculator

* [Debt consolidation calculator](https://www.moneyme.com.au/debt-consolidation/calculator)

Cashback Rewards Credit Card

# Earn cashback.
Every day.

A better way to get rewarded ^

Get started
* Check your credit limit without impacting your credit score before you apply
* Approvals in as little as 60 minutes

4.7Google · 5,000+ reviews110,000+ Aussies fundedBCorp Certified

Showing results for Credit Card

### 1% cashback on everyday purchases

No complicated points systems. Earn 1% cashback on everyday purchases like groceries, transport, and your daily coffee – up to a maximum of 1% of your credit limit per month.

[Keep reading ](#spyRatesAndFees)

### Cashback on autopilot

Monthly cashback credited straight to your credit card account balance, when you make your minimum repayment on time. No hoops or expiry dates – your cashback takes care of itself.

### Built-in perks you’ll actually use

Mobile phone insurance, purchase protection, and ticket cover built in when you pay in full using your MONEYME Cashback Rewards Card. [1](#scrollDisclaimer)

[Keep reading ](#perks-use)

### 1% cashback on everyday purchases

No complicated points systems. Earn 1% cashback on everyday purchases like groceries, transport, and your daily coffee – up to a maximum of 1% of your credit limit per month.

[Keep reading ](#spyRatesAndFees)

### Cashback on autopilot

Monthly cashback credited straight to your credit card account balance, when you make your minimum repayment on time. No hoops or expiry dates – your cashback takes care of itself.

### Built-in perks you’ll actually use

Mobile phone insurance, purchase protection, and ticket cover built in when you pay in full using your MONEYME Cashback Rewards Card. [1](#scrollDisclaimer)

[Keep reading ](#perks-use)

## Rates, fees and conditions

Enjoy cashback on everyday purchases with up to 44 days interest free

Cashback

1%On purchases^

Interest-free

Up to 44 days

Annual fee

$149

Interest rate

19.99% to 26.99% p.a.

Other rates and fees

^Cashback eligibility

## Perks you can
actually use

### Pay your phone bill, get phone protection.

Use your card to pay your phone bill and get phone protection, including damage and theft, up to a limit of $1,500 per year (maximum $900 each occurrence).[1](#scrollDisclaimer)

[Tap to read T&Cs.](https://www.moneyme.com.au/mastercard-mobile-cover-terms)

### Get covered for your purchases.

Get extra peace of mind with online shopping protection in case your order doesn’t arrive, is damaged, or is missing items. Plus, enjoy cover for accidental damage or theft on purchases made with your card (up to a limit of $750 per year). [1](#scrollDisclaimer)

[Tap to read T&Cs.](https://www.moneyme.com.au/mastercard-ecommerce-purchase-protection)

### Your ticket to peace of mind.

Pay with your card and get reimbursed for tickets if life throws a curveball that makes you miss the event (like sickness, accidents and more) up to a limit of $1,200 per year.[1](#scrollDisclaimer)

[Tap to read T&Cs.](https://www.moneyme.com.au/mastercard-event-cover-terms)

## Ready to earn rewards that actually count?

You can check your credit limit and rate before you apply

Get started

Check your eligibility in minutes with no impact to your credit score

## A digital card, ready
when you are

Your card is ready to use the moment you’re approved. Just add it to your mobile wallet.

Access your digital card with a credit limit up to $20,000 in as little as 60 minutes.4

Award-winning lender

## We're trusted by over half a million Australians

MONEYME Reviews Average rating: 4.7, based on 5000 reviews

### Really Quick!

Application process was very simple and then funds transferred almost instantly. Emails communicated instructions very clearly. Constant communication all the way along and app and website worked really well.

**Min**Jul 17, 2026

### Definitely a 5 star rating

I think moneyme is very easy to work with, very helpful and went out of their way to make my loan go thru faster as I needed it to happen quickly, and a very fair rate, definitely a 5 star rating, Thank you MONEYME

**Frank**Jul 16, 2026

### Very easy and fast to use

Had funds within 2hrs of application. Fantastic experience!

**Jo**Jul 10, 2026

### MONEYME were absolutely amazing.

The entire process was incredibly fast, easy and stress-free from start to finish. I signed the contract and literally within seconds the funds were in my account. MONEYME exceeded my expectations. Without a doubt one of the best lending experiences I've ever had. I'll definitely be back and would highly recommend them to anyone looking for quick, hassle-free finance.

**Mark**Jul 9, 2026

### Fantastic

I cannot believe how easy the process was. I had the money in my account in under 3 hours from the time I applied! I had argued with my bank for a week before I found MONEYME I would recommend this company to everyone.

**Cheryl**Jul 7, 2026

### I had a great experience with this car finance company.

The entire process was smooth, quick, and stress-free. The team was professional, friendly, and explained everything clearly, making it easy to understand my finance options. They kept me updated throughout the process and worked hard to get my loan approved as quickly as possible. I would definitely recommend them to anyone looking for reliable and efficient car finance services. Thank you for making my car purchase so easy!

**Jastinder**July 6, 2026

### MONEYME has been extremely helpful

In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.

**Karen-Leigh**Jun 20, 2026

### I'd definitely recommend MoneyMe.

If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!

**Mohammad**Jun 19, 2026

### I'm very happy to recommend MONEYME.

Their rates were the best I could find, and they suited my needs perfectly for a business car loan. The process was straightforward, communication was excellent, and everything was handled efficiently. I'm very satisfied with the service and would happily recommend MONEYME to anyone looking for a competitive and reliable lender.

**Camila**Jun 17, 2026

### Thanks to MONEYME I was able to get my first brand new car!

The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!

**Katrina**Jun 16, 2026

### Fast and simple

Loan application that was approved quickly and competitive interest rate that has no penalties for extra or early payments. Also with the use of an app for easy repayments and to keep track of the loan.

**Jestr72**Jun 1, 2026

### Highly recommend

Very informative, and very helpful and very fast with approval, i think it took about 2 days in total from applying to funds in my account and paying for the car, the loan term was also better than i expected and the repayments less than i thought, would highly recommend

**Brian**Jun 2, 2026

### MONEYME has always been amazing.

I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend

**Mick**Apr 22, 2026

### Reliable and trusted with good interest rates

Hey everyone just sharing my experience through money me finances which I applied for loan it was smooth reliable and trusted with good interest rates and also easy to get loan in couple of minutes highly appreciated definitely would recommend anyone going for loan.

**Kartik**Apr 10, 2026

### Helpful and easy

Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride

**James**Mar 24, 2026

### Really Quick!

**Min**Jul 17, 2026

### Definitely a 5 star rating

**Frank**Jul 16, 2026

### Very easy and fast to use

Had funds within 2hrs of application. Fantastic experience!

**Jo**Jul 10, 2026

### MONEYME were absolutely amazing.

**Mark**Jul 9, 2026

### Fantastic

**Cheryl**Jul 7, 2026

### I had a great experience with this car finance company.

**Jastinder**July 6, 2026

### MONEYME has been extremely helpful

In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.

**Karen-Leigh**Jun 20, 2026

### I'd definitely recommend MoneyMe.

If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!

**Mohammad**Jun 19, 2026

### I'm very happy to recommend MONEYME.

**Camila**Jun 17, 2026

### Thanks to MONEYME I was able to get my first brand new car!

The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!

**Katrina**Jun 16, 2026

### Fast and simple

**Jestr72**Jun 1, 2026

### Highly recommend

**Brian**Jun 2, 2026

### MONEYME has always been amazing.

I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend

**Mick**Apr 22, 2026

### Reliable and trusted with good interest rates

**Kartik**Apr 10, 2026

### Helpful and easy

**James**Mar 24, 2026

### Better rates and convenient!

Process was easy and quick- very convenient. Rates were also much better than what the banks offer.

**JMij**Mar 21, 2026

### A seamless, efficient and professional experience.

Excellent communication culminating in a very quick transaction. Would use them again without hesitation.

**Nick**Mar 19, 2026

### Easy to deal with.

I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.

**Emilio**Mar 17, 2026

### I would do it all again with MONEYME

Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you

**Trish**Mar 17, 2026

### Got a better interest rate!

I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.

**Johnny**Mar 12, 2026

### We've used MONEYME for 5 years

We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.

**Sam**Mar 11, 2026

### The interest rates were reasonable

My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.

**Lee**Mar 10, 2026

### I would give these guys an 11 out of 10

I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic

**Gav**Mar 2, 2026

### So impressively easy and fast.

Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.

**Bridgette**Feb 26, 2026

### I was recommended MONEYME

I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!

**Sam**Feb 20, 2026

### What a pleasure working with MONEYME.

What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.

**Jacques S**Feb 20, 2026

### Fast and simple

The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.

**James**Feb 16, 2026

### They definitely went above and beyond

From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times

**Shane**January 30, 2026

### Funds where in my account with 24hours

Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating

**Jason**Jan 23, 2026

### Better rates and convenient!

Process was easy and quick- very convenient. Rates were also much better than what the banks offer.

**JMij**Mar 21, 2026

### A seamless, efficient and professional experience.

Excellent communication culminating in a very quick transaction. Would use them again without hesitation.

**Nick**Mar 19, 2026

### Easy to deal with.

I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.

**Emilio**Mar 17, 2026

### I would do it all again with MONEYME

Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you

**Trish**Mar 17, 2026

### Got a better interest rate!

I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.

**Johnny**Mar 12, 2026

### We've used MONEYME for 5 years

**Sam**Mar 11, 2026

### The interest rates were reasonable

**Lee**Mar 10, 2026

### I would give these guys an 11 out of 10

I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic

**Gav**Mar 2, 2026

### So impressively easy and fast.

**Bridgette**Feb 26, 2026

### I was recommended MONEYME

**Sam**Feb 20, 2026

### What a pleasure working with MONEYME.

What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.

**Jacques S**Feb 20, 2026

### Fast and simple

The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.

**James**Feb 16, 2026

### They definitely went above and beyond

**Shane**January 30, 2026

### Funds where in my account with 24hours

Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating

**Jason**Jan 23, 2026

Get started

Check your eligibility in minutes with no impact to your credit score

## A clearer guide to credit cards

− Removed

 Credit card Credit score+1

### [How cashback credit cards impact your credit score](https://www.moneyme.com.au/blog/how-cashback-credit-cards-impact-your-credit-score)

Team MONEYME|

September 25, 2026|3 min read

8 unchanged lines

 Credit card Financial health

### [Cashback credit card interest rates explained](https://www.moneyme.com.au/credit-card/cashback-credit-card-interest-rates-explained)

Team MONEYME|

June 18, 2026|2 min read

+ Added

 Credit card

### [MONEYME x Apple Pay](https://www.moneyme.com.au/blog/moneyme-x-apple-pay)

February 25, 2026|1 min read

1458 unchanged lines

Credit card Financial health

### [Are credit card points about to be worth less?](https://www.moneyme.com.au/blog/are-credit-card-points-about-to-be-worth-less)

Team MONEYME|

September 25, 2026|2 min read

## Frequently asked questions

* [What is a cashback rewards credit card?](javascript:;)
* [How do you earn cashback on a credit card?](javascript:;)
* [How can I maximise my cashback rewards?](javascript:;)
* [When is cashback credited to your account?](javascript:;)

Read more FAQs

## Ready to earn rewards that actually count?

You can check your credit limit and rate before you apply

Get started

Check your eligibility in minutes with no impact to your credit score

1 Mobile phone, purchase and ticket protection insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686 (AIG) under a group policy of insurance issued to Mastercard. In arranging the insurance, Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751\. Eligible persons who can access these insurances are the current holders of a MONEYME Cashback Rewards Credit Card which entitles them to these insurance benefits. You should read the Mastercard Plus Products Insurance Terms and Conditions for [mobile phone protection](https://www.moneyme.com.au/mastercard-mobile-cover-terms), [purchase protection](https://www.moneyme.com.au/mastercard-ecommerce-purchase-protection) and [ticket protection](https://www.moneyme.com.au/mastercard-event-cover-terms). Eligible persons can claim as third-party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984\. Conditions, exclusions and limits apply to this insurance coverage as set out in the Terms and Conditions and any insurance document provided to the eligible persons, which both may be amended from time to time. MONEYME Financial Group Pty Ltd does not guarantee this insurance. It does not hold an Australian Financial Services Licence and is not authorised to provide financial advice in relation to the insurance. You should consider obtaining your own advice as to the suitability of the insurance coverage for you.

2Conditions apply to the interest free period. Refer to the Terms and Conditions for the Account for further information. After the interest free period, an interest rate of 19.99% p.a. to 26.99% p.a. will apply.

3The actual rate that you receive will depend on a range of factors, including your credit score.

4Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment [here](https://www.moneyme.com.au/images/MME%5FInnovate%5FRAP%5F2024%5FFinal.pdf).

[](https://www.moneyme.com.au/)

Our business hours

Sydney/Melbourne time

Customers

Monday - Friday
8AM-7PM

Saturday
9AM-6PM

Sunday
Closed

Partners

Monday - Friday
8AM-5PM

Saturday & Sunday
9AM-3PM

About MONEYME

* [About us](https://www.moneyme.com.au/about-us)
* [Sustainability](https://www.moneyme.com.au/sustainability)
* [Careers](https://jobs.moneyme.com.au/)
* [Investors](https://investors.moneyme.com.au/investor-centre/)
* [Blog](https://www.moneyme.com.au/blog)
* [Sitemap](https://www.moneyme.com.au/site-map)

Customer support

* [FAQs](https://www.moneyme.com.au/faq)
* [Financial Hardship](https://www.moneyme.com.au/financial-hardship)
* [Contact us](https://www.moneyme.com.au/contact-us)
* [Live chat](https://www.moneyme.com.au/live-chat)

Personal loans

* [Personal loan](https://www.moneyme.com.au/personal-loan)
* [Refinance personal loan](https://www.moneyme.com.au/personal-loan/refinance)
* [Medical loan](https://www.moneyme.com.au/medical-loan)
* [Wedding loan](https://www.moneyme.com.au/personal-loan/wedding-loan)
* [Travel loan](https://www.moneyme.com.au/personal-loan/travel-loan)

Credit cards

* [Credit card](https://www.moneyme.com.au/credit-card)
* [Cashback Credit Card](https://www.moneyme.com.au/credit-card/cashback-credit-card)
* [Credit card calculator](https://www.moneyme.com.au/credit-card/calculator)

Car loans

* [Car loan](https://www.moneyme.com.au/car-loan)
* [Car finance](https://www.moneyme.com.au/car-loan/car-finance)
* [Chattel mortgage car loan](https://www.moneyme.com.au/car-loan/chattel-mortgage-car-loan)
* [Refinancing a car](https://www.moneyme.com.au/car-loan/refinancing-a-car)

Debt consolidation

* [Debt consolidation](https://www.moneyme.com.au/debt-consolidation)
* [Debt consolidation calculator](https://www.moneyme.com.au/debt-consolidation/calculator)

Renovation loans

* [Renovation loan](https://www.moneyme.com.au/renovation-loan)
* [Landscaping loan](https://www.moneyme.com.au/renovation-loan/landscaping)
* [Bathroom renovation loan](https://www.moneyme.com.au/renovation-loan/bathroom-renovation)
* [Kitchen renovation loan](https://www.moneyme.com.au/renovation-loan/kitchen-renovation)

Legal

* [Privacy Policy](https://www.moneyme.com.au/privacy-policy)
* [Credit Guide](https://mmestoragecdn.blob.core.windows.net/web2/v3/images/legal/credit-guide.pdf)
* [Terms of Use](https://www.moneyme.com.au/terms-of-use)
* [Responsible Lending](https://www.moneyme.com.au/responsible-lending)
* [Complaints](https://www.moneyme.com.au/complaints)
* [Security Policy](https://www.moneyme.com.au/security-policy)
* [Design and Distribution Obligations](https://www.moneyme.com.au/ddo)
* [Consumer Data Right Policy](https://mmestoragecdn.blob.core.windows.net/web2/v3/images/legal/MME%5FConsumer%5FData%5FRights%5FPolicy.pdf)

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---

# Source: https://www.moneyme.com.au/mastercard-ecommerce-purchase-protection

### Mastercard Plus Products Insurance

### MoneyMe Cashback Rewards Card

**Complimentary E-Commerce Purchase Assurance Insurance Terms and Conditions**
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

## I. PREAMBLE AND DISCLOSURES

This document contains important information about the Cardholders (“You/Your”) rights and obligations under the Group Policy and sets out the terms, conditions and exclusions relevant to the cover provided.

The Policyholder is a group purchasing body under the ASIC Corporations (Group Purchasing Body) instrument 2018/751 (“the Instrument”) and has arranged the coverage under the Group Policy issued to the Policyholder by the Insurer.

This document also constitutes the necessary disclosure required by the Policyholder as a Group Purchasing Body under the Instrument issued by the Australian Securities and Investments Commission.

The Policyholder is not an Authorised Financial Services Licensee as provided for under the Corporations Act 2001.

The Policyholder is not the issuer of the insurance coverage and neither the Policyholder nor any of its related corporations guarantee any of the benefits under the Group Policy nor are they under any financial or monetary obligation under the Instrument. You however are a beneficiary under the Group Policy. This means that subject to the terms of the Group Policy, Your right to claim under the Group Policy will be covered and paid by the Insurer.

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

Neither the Policyholder nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001) of the Insurer. The Policyholder is not authorised to provide any financial advice in respect of the coverage under the Group Policy. You should consider obtaining Your own financial product advice about the coverage under the Group Policy from a person who is able to give such advice under an Australian Financial Services Licence.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

The Policyholder will give You prior written notice if the Group Policy ends but does not need to notify You if substantially similar cover applies or will apply. If You are not provided with such notice, the Policyholder is liable to compensate You for any loss or damage You may suffer as a result of the Policyholders failure to notify You.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
[APAC.Mastercard@aig.com](mailto:APAC.Mastercard@aig.com)

**General Insurance Code of Practice**

The Insurer is a signatory to the General Insurance Code of Practice (“Code”). The Code sets out the minimum standards of service that can be expected from the insurance industry and requires insurers to be open, fair, and honest in their dealings with customers.

The Insurer is committed to adhering to the objectives of the Code and to uphold these minimum standards when providing services covered by this Code. The Code objectives will be followed having regards to the law and acknowledging that a contract of insurance is a contract based on the utmost good faith.

The Code Governance Committee is the independent body that monitors and enforces insurers’ compliance with the Code. Their purpose is to drive better Code compliance and helping the insurance industry to improve its service to consumers. For more information on the Code please visit **[www.codeofpractice.com.au](https://www.codeofpractice.com.au/)**.

**Complaints and Feedback**

Learning about Your experiences with Us and Our service partners helps to improve the way We do business with You. If You have feedback, or an issue You would like resolved We encourage You to make contact. Below is information on how to contact Us and how We will work together to resolve any concerns You have.

**How to provide feedback**

**1\. Speak to Our Complaints team**
Our complaints team can be contacted on 1800 339 669\. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

**2\. Provide Your feedback in writing**
If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

**The Complaints Team**
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: [aucomplaints@aig.com](mailto:aucomplaints@aig.com)

**What happens if You make a complaint?**

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1\. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2\. We will tell You who will handle Your complaint and their contact details.

3\. We will, where applicable, keep You informed via Your preferred method of communication of the progress of Your complaint every ten (10) business days, more frequently or necessary or as agreed by both of Us.

4\. We will treat Your complaint respectfully and handle all personal information in accordance with Our **[Privacy Policy](https://www.aig.com.au/privacy-policy)**.

5\. Within 30 calendar days from the date We receive Your complaint, We will provide a response to Your complaint.

If We cannot meet any of the stated time frames, We will communicate to You the reasons why this has not been possible. We will also advise You when You should expect to receive a response or decision, Your right to complain to the Australian Financial Complaints Authority (AFCA) if You are dissatisfied with such reasons and provide You with the contact details for AFCA.

**What You can do if You are not happy with Our response or handling of Your complaint**

What You can do if You are not happy with Our response or handling of Your complaint

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

If You wish to have Your complaint reviewed by the Committee, please telephone or write to the complaints team as per the details above. As part of Your request, please include detailed reasons for requesting the review and the outcome You are seeking. This information will assist the Committee in carrying out its assessment and review of Your complaint. A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You.

If We are unable to provide a response within 30 calendar days of receipt of the initial complaint, We will inform You of (i) the time frame for when Your complaint will be heard by the Committee, (ii) when You should expect to receive a response from the Committee; (iii) the reasons for such delay; (iv) Your right to complain to AFCA if You are dissatisfied with such reasons; and (v) the contact details for AFCA.

You can take Your complaint to AFCA at any time, including:

1\. if We have been unable to resolve Your complaint within 30 calendar days;

2\. You are dissatisfied with the outcome of Your complaint; or

3\. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process. AFCA’s contact details are:

**Australian Financial Complaints Authority (AFCA)**
GPO Box 3
Melbourne VIC 3001
Website: **[www.afca.org.au](https://www.afca.org.au/)**
Email: **[info@afca.org.au](mailto:info@afca.org.au)**
Phone: **[1800 931 678](tel:1800931678)** (free call)

The use of AFCA does not preclude You from subsequently exercising any legal rights which You may have if You are still unhappy with the outcome. Before doing so however, We strongly recommend that You obtain independent legal advice.

If Your complaint does not fall within AFCA's Rules, We will advise You to seek independent legal advice or give You information about any other external dispute resolution options where available to You.

**PRIVACY NOTICE**

**This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:**

**1\. You, if an individual; and**

**2\. other individuals You provide information about.**

**Further information about Our Privacy Policy is available at [www.aig.com.au](https://www.aig.com.au/home) or by contacting Us on 1300 030 886 or at [australia.privacy.manager@aig.com](mailto:australia.privacy.manager@aig.com).**

**How We Collect Your Personal Information**

AIG usually collects personal information from You or Your agents. AIG may also collect personal information from:

1\. Our agents and service providers;

2\. other insurers;

3\. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4\. third parties who may be arranging insurance cover for a group that You are a part of;

5\. providers of marketing lists and industry databases; and

6\. publicly available sources.

**Why We Collect Your Personal Information**

AIG collects information necessary to:

1\. underwrite and administer Your insurance cover;

2\. improve customer service and products and carry out research and analysis, including data analytics; and

3\. advise You of Our and other products and services that may interest You.

You have a legal obligation under the Insurance Contracts Act 1984 to disclose certain information. Failure to disclose information required may result in AIG declining cover, cancelling Your insurance cover or reducing the level of cover, or declining claims.

**To Whom We Disclose Your Personal Information**

In the course of underwriting and administering Your policy We may disclose Your information to:

1\. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;.

2\. banks and financial institutions for policy payments;

3\. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4\. entities to which AIG is related and third-party providers for data analytics functions;

5\. other entities to enable them to offer their products or services to You; and

6\. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

AIG is likely to disclose information to some of these entities located overseas, including in the following countries: United States of America, Canada, Bermuda, United Kingdom, Ireland, Belgium, The Netherlands, Germany, France, Singapore, Malaysia, the Philippines, India, Hong Kong, New Zealand as well as any country in which You have a claim and such other countries as may be notified in Our Privacy Policy from time to time.

You may request not to receive direct marketing communications from AIG.

**Access to Your Personal Information**

Our Privacy Policy contains information about how You may access and seek correction of personal information We hold about You. In summary, You may gain access to Your personal information by submitting a written request to AIG.

In some circumstances permitted under the Privacy Act 1988, AIG may not permit access to Your personal information. Circumstances where access may be denied include where it would have an unreasonable impact on the privacy of other individuals, or where it would be unlawful.

**Complaints**

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

**Consent**

If applicable, Your application includes a consent that You and any other individuals You provide information about consent to the collection, use and disclosure of personal information as set out in this notice.

## II. SUMMARY OF COVER

Subject to the terms contained in this document and the Group Policy, the Insurer agrees to provide the following coverage to the Eligible Cardholders:

| Insurance Cover | Claim Amount and Excess (AUD) |
| ----------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **E-Commerce Purchase Protection**\-------------**Purchase Protection** | Combined Per Occurrence Limit for Ecommerce Purchase Protection and Purchase Protection: Up to $750\* Combined Annual Aggregate Limit for Ecommerce Purchase Protection and Purchase Protection: $750\* |

Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).

**Claim Amount and Excess**

We will pay (if applicable) up to the Per Occurrence Limit per Eligible Cardholder for each claim as stated in the Summary of Cover table above. For any consecutive twelve-month period within the Group Policy Period, the maximum amount We will pay per Eligible Cardholder for all claims during such consecutive twelve-month period is the Annual Aggregate Limit set out in the table above.

There is no Excess applicable for these coverages.

Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and this document and based on information offered by the Policyholder.

\*The Combined Limits for E-Commerce Purchase Protection and Purchase Protection applies to claims for both E-Commerce Purchase Protection and Purchase Protection.

## III. GENERAL DEFINITIONS

Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter:

**Accidental Damage** means items that can no longer perform the function they were intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event.

**Annual Aggregate Limit** means the maximum amount of benefit per Eligible Cardholder under the E-Commerce Purchase Assurance Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

**Cardholder(s)** means all individuals who have been issued an Eligible Card, including secondary or additional Cardholders on the same account, in Australia where such Eligible Card is issued by a participating Issuer.

**Collectable Item** means an object suitable for a collection, originally a work of fine art or an antique, also including any of a wide variety of items collected as a hobby, that may include but not limited to antiques, toys, coins, comic books and stamps and which items or objects are used for display, or as an investment and whose value may appreciate.

**Courier** means a transportation company duly licensed to engage in the business of transportation of Goods.

**Eligible Card** means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

**Eligible Cardholder/You/Your** means those Cardholders with Eligible Cards who shall be entitled to receive payment or such other benefit as is provided for in the Summary of Cover and the Group Policy.

**Excess** means a monetary contribution You are required, if any, to pay towards a claim You make. Goods means new items, other than those listed in Coverage Exclusions below, purchased entirely with the Eligible Card and/or have been acquired with points earned by a rewards program associated with the Eligible Card.

**Group Policy** means the contract of insurance between the Insurer and the Policyholder. Group Policy Period means the period beginning from 1st March 2026 and until the Group Policy is terminated.

**Insurer/We/Us/Our** means AIG Australia Limited.

**Issuer** means a bank or financial institution or like entity that is authorized by Mastercard to operate a Mastercard card program in the Territory and is participating in the insurance offering to Eligible Cardholders.

**Natural Catastrophe** means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami.

**Per Occurrence Limit** means the maximum amount of benefit available under the Summary of Cover for any single incident during the Group Policy Period.

**Policyholder** means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

**Seller** means an online juridical entity duly organized, licensed and registered in accordance with the country of its principal place of business engaged in selling Goods via the internet.

**Territory** means the country or region in which Eligible Cards are issued, in this case, Australia.

**Theft** means the unlawful, intentional and dishonest taking of a Goods belonging to the Eligible Cardholder without their consent, with intent to deprive him/her of such Goods.

## IV. COVERAGE

**A. E-COMMERCE PURCHASE PROTECTION**

Subject to the Annual Aggregate Limit and Excess per Eligible Cardholder, as set out in the Summary of Cover section above, We will cover You under E-Commerce Purchase Protection up to the Per Occurrence Limit for the following:

1\. Non-delivery/and or incomplete delivery of Goods, that are purchased on the internet: Goods are insured against non-delivery if (i) unless so otherwise advised by the Seller/Courier that the Goods will be delivered at a date beyond 30 days of the scheduled delivery date, the Goods have not been delivered within 30 days of the scheduled delivery date; and (ii) the Seller/Courier has failed to refund You/send replacement Goods within 60 days of non-delivery. We will only provide coverage under this part 1\. for any amounts You have not been able to or could reasonably recover under other applicable insurance or source. Under this part 1., Our indemnity is limited to a cash refund up to the purchase price and shipment costs of the non-delivered Goods. The total refund paid to You will not exceed the limits stated under the Summary of Cover above.

A delivery will be considered incomplete if the Goods delivered are missing component from a single online transaction. If the missing component is delivered at a later date, it shall not be construed as an incomplete delivery per the terms of this Group Policy.

2\. Improper functioning due to physical damage of delivered Goods that are purchased on the internet. The delivered Goods are insured against improper functioning, provided (i) such improper functioning is solely as a result of physical damage which was apparent or manifest at time of delivery of the Goods to You; and (ii) the Seller/Courier has failed to refund You/send replacement Goods within 60 days of delivery. We will only provide coverage under this part 2\. for any amounts You have not been able to or could reasonably recover under other applicable insurance or source. Under this part 2, Our indemnity is limited to a cash refund up to the purchase price and shipment costs of the Goods. The total refund paid to You will not exceed the limits stated under the Summary of Cover above.

Coverage under this section will only be provided if the date of purchase referenced above occurs during the Group Policy Period.

**Exclusions specific to E-Commerce Purchase Protection**

We shall not be liable to pay under this section for any claim, expenses or loss in connection with:

1\. animals or plant life;

2\. cash, bullion, negotiable instruments, shares, travelers cheques, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

3\. consumable or perishable items (including but not limited to food, flowers, drink, medicines, nutrition supplements, cosmetics);

4\. motorised vehicles including but not limited to motorcycles or motor scooters, drones, watercraft/boat, aircraft, automobiles and any equipment and/or parts necessary for its operation and/or maintenance;

5\. access to internet websites, mobile applications, software or data files downloaded off the internet including but not limited to music files, photos, reading material, books and movies; or reinstatement or recovery thereof;

6\. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental or financial advice;

7\. Goods purchased from a natural person either through a private transaction or an online auction website;

8\. Counterfeit or fake goods;

9\. loss or damage due to a Natural Catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs;

10\. losses due to mechanical failure, electrical failure; software or data failure;

11\. loss of data;

12\. Goods purchased were damaged goods at the time of purchase;

13\. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

14\. Goods used for, or intended to be used for, commercial use including items purchased for re-sale or tools of trade or profession, retail and/or property rental, or other business purposes;

15\. items that You have rent out, rented or leased;

16\. items that were, at the time of purchase, used or second-hand, rebuilt, refurbished, or remanufactured;

17\. hazardous materials;

18\. art, antiques, firearms and Collectable Items;

19\. furs, watches, jewelry, gems, fragile items, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);

20\. the costs or charges which do not relate to any e-commerce purchase, which You paid for using Your Eligible Card;

21\. any fraudulent or willful act by You;

22\. cosmetic damages which do not affect Goods’ intended functions;

23\. Goods deemed to be illegal by local government authorities, and/or lawful confiscation of Goods by police, government agencies, courts or other empowered authorities;

24\. losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind; or

25\. losses due to, or related to, a nuclear, biological radiation or chemical event.

**Conditions specific to E-Commerce Purchase Protection**

The following conditions of coverage are applicable to this section:

1\. the delivery address for the Goods must be Your address in the Territory as registered with the Issuer.

2\. a shipment tracking number must have been assigned and provided by the Seller of the Goods or a designated Courier.

3\. You must have informed the Seller in writing where applicable of the non-delivery of Goods or the fact that the Goods were damaged on delivery and demanded in writing replacement Goods or alternatively in a case where the Goods have not been delivered, a full refund.

4\. in the event that a claim is submitted for improper functioning due to damage of delivered Goods- You shall, as soon as reasonably practicable, notify the Seller/Courier of the Goods and Us.

5\. You will reasonably cooperate with Us and help Us to enforce any legal rights You or We may have in relation to Your claim.

6\. in the event that a claim for non-delivery is paid to You, and the original Goods eventually arrive, You should pay back to Us any indemnity received by You from Us.

7\. no Excess is payable by You.

**B. PURCHASE PROTECTION**

The Insurer will pay for loss of Goods due to Accidental Damage or Theft, occurring within one hundred eighty (180) days from the date of Your physical possession of the Goods up to the Per Occurrence Limit, and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder as set out in the Summary of Cover section above. Goods including but not limited to:

1\. Goods given as gifts;

2\. Goods that are purchased on the internet;

3\. Goods do not have to be registered with Us.

Coverage under this section will only be provided if the date of purchase referenced above occurs during the Group Policy Period.

Exclusions specific to Purchase Protection We shall not be liable to pay under this section for any claim, expenses or loss in connection with:

1\. motorised vehicles including but not limited to motorcycles or motor scooters, drones, airplanes, watercraft/boats, automobiles and any equipment and/or parts necessary for its operation and/or maintenance;

2\. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

3\. travelers cheque(s), shares, cash, negotiable instruments, bullion, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

4\. art, antiques, firearms and Collectable Items;

5\. furs, watches, jewelry, gems, fragile items, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);

6\. consumable or perishable items (including but not limited to food, flowers, drink, medicines, nutrition supplements, cosmetics);

7\. plant life or animals;

8\. any fraudulent or willful act by You or Your relative;

9\. access to internet websites, mobile applications, software or data files downloaded from the internet including but not limited to music files, photos, reading materials, books and movies; or reinstatement or recovery thereof;

10\. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental or financial advice;

11\. counterfeit or fake goods;

12\. items that were, at the time of purchase, used or second-hand, rebuilt, refurbished, or remanufactured;

13\. losses occurring to item(s) You purchased online prior to Your taking possession of such item(s);

14\. items rented out, rented or leased;

15\. items used for, or intended to be used for, commercial use including items purchased for re-sale or tools of trade or profession, retail and/or property rental, or other business purposes;

16\. services, shipping, handling, installation or assembly costs;

17\. items left unattended in a place to which the general public has access;

18\. items deemed to be illegal by local government authorities, and/or lawful confiscation of Goods by police, government agencies, courts or other empowered authorities;

19\. cosmetic damages which do not affect Goods’ intended functions;

20\. losses caused by abuse, misuse, alteration or willful damage;

21\. losses due to mechanical failure, electrical failure; software or data failure;

22\. loss or damage due to wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, vermin, insects, termites, mold, wet or dry rot, bacteria, rust;

23\. Loss or damage due to manufacturing defects or inherent vice such as any defect in materials and/or workmanship and/ or design;

24\. Loss or damage due to cleaning, servicing, maintenance, adjustment or repairs;

25\. losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind; or

26\. losses due to, or related to, a nuclear, biological radiation or chemical event.

**Conditions specific to Purchase Protection**

The following conditions of coverages are applicable to this section:

1\. The Insurer will make a reasonable determination whether to have the item repaired or replaced, or to reimburse the original purchase price considering any rebates, discounts or rewards points in relation to the purchase of such item.

2\. Goods that are a pair or a set will be limited to the cost of replacement of the specific item if replaceable; otherwise, the value of the pair or set will be covered but will not exceed the Per Occurrence Limit specified above.

3\. Upon recovery of items that were lost as the result of Theft or replaced as the result of Accidental Damage, You should pay back to Us any indemnity received by You from Us.

4\. No excess is payable by You.

## V. DUTIES AFTER A LOSS

You may log on to [https://au.mycardbenefits.com](https://au.mycardbenefits.com/) or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM, Monday to Friday
Email: [APAC.Mastercard@aig.com](mailto:APAC.Mastercard@aig.com)

**Duties after a Loss for each applicable Insurance Coverage:**

**E-Commerce Purchase Protection**

The Cardholder must as soon as reasonably practicable:

1\. complete, sign and return the claim form to Us\* together with the Cardholder’s statement of account or copy of purchase receipt showing payment of the Goods which was made entirely with the Eligible Card; and

2\. any other relevant document We may reasonably ask You to provide.

**Purchase Protection**

The Cardholder must as soon as reasonably practicable:

1\. complete, sign and return the claim form to Us\* together with:

a. the Cardholder's statement of account or copy of purchase receipt showing payment of the item was made entirely with the Eligible Card;

b. for Theft claims, official copies of the police report;

c. for Accidental Damage claims, official copies of the repair estimate; and

d. any other relevant document We may reasonably ask You to provide.

\*Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim.We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery.

## VI. LIMITS OF LIABILITY

**Per Occurrence:** Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

**Annual Aggregate:** The total of all benefits paid or payable while the Group Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

## VII. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

1\. take all reasonably practicable measures to prevent and avoid further loss or damage;

2\. complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of Your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;

3\. disclose to Us details of any other insurance cover under which You are entitled to claim;

4\. upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;

5\. where reasonably necessary, grant authorization for Us to obtain Your records and other information, such as credit reports (if applicable);

6\. provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;

7\. reasonably co-operate with Us in investigating, evaluating and settling a claim; and

8\. if the loss involved Theft, report of the theft to the police as soon as reasonably practicable.

## VIII. GENERAL CONDITION

**A. Disputes**
Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under the Group Policy, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales.

**B. Governing Law**
The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales.

**C. Loss Prevention**
You must use all reasonable means to avoid future loss at and after the time of loss.

**D. Sanctions**
We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America or the Commonwealth of Australia.

**E. Transfer**
The Policyholder or You may not transfer its interest in this insurance to anyone.

**F. Cancellation**
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

**G. Changes**
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy or these coverage terms following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy or such terms shall be effective except when made by written endorsement signed by Our authorized representative.

**H. Subrogation**
If We settle any claim or payment or otherwise cover any loss applying under the Group Policy or these coverage terms, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

**I. Compliance**
The benefits of the Group Policy or these coverage terms are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms.

**J. Financial Claims Scheme**
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy and these coverage terms. In the unlikely event that We are unable to meet Our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at [https://www.fcs.gov.au](https://www.fcs.gov.au/).

---

# Source: https://www.moneyme.com.au/mastercard-event-cover-terms

### Mastercard Plus Products Insurance

### MoneyMe Cashback Rewards Card

**Complimentary Event Ticket Protection Insurance Terms and Conditions**
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

## I. PREAMBLE AND DISCLOSURES

This document also constitutes the necessary disclosure required by the Policyholder as a Group Purchasing Body under the Instrument issued by the Australian Securities and Investments Commission. The Policyholder is not an Authorised Financial Services Licensee as provided for under the Corporations Act 2001.

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
**[APAC.Mastercard@aig.com](mailto:APAC.Mastercard@aig.com)**

**General Insurance Code of Practice**

For more information on the Code please visit **[www.codeofpractice.com.au](https://www.codeofpractice.com.au/)**.

For more information on the Code Governance Committee please visit **[www.insurancecode.org.au](https://www.insurancecode.org.au/)**.

**Complaints and Feedback**

**How to provide feedback**

**1\. Speak to Our Complaints team**

Our complaints team can be contacted on **1800 339 669**. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

**2\. Provide Your feedback in writing**

If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

**The Complaints Team**
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: **[aucomplaints@aig.com](mailto:aucomplaints@aig.com)**

**What happens if You make a complaint?**

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1\. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2\. We will tell You who will handle Your complaint and their contact details.

4\. We will treat Your complaint respectfully and handle all personal information in accordance with Our **[Privacy Policy](https://www.aig.com.au/privacy-policy)**.

5\. Within 30 calendar days from the date, We receive Your complaint, We will provide a response to Your complaint.

**What You can do if You are not happy with Our response or handling of Your complaint**

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

If You wish to have Your complaint reviewed by the Committee, please telephone, or write to the complaints team as per the details above. As part of Your request, please include detailed reasons for requesting the review and the outcome You are seeking. This information will assist the Committee in carrying out its assessment and review of Your complaint. A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You.

You can take Your complaint to AFCA at any time, including:

1\. if We have been unable to resolve Your complaint within 30 calendar days;

2\. You are dissatisfied with the outcome of Your complaint; or

3\. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process.

AFCA’s contact details are:

**Australian Financial Complaints Authority (AFCA)**
GPO Box 3
Melbourne VIC 3001
Website: [www.afca.org.au](https://www.afca.org.au/)
Email: [info@afca.org.au](mailto:info@afca.org.au)
Phone: [1800 931 678](tel:1800931678) (free call)

**PRIVACY NOTICE**

**This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:**

**1\. You, if an individual; and**

**2\. other individuals You provide information about.**

Further information about Our Privacy Policy is available at [www.aig.com.au](https://www.aig.com.au/home) or by contacting Us on 1300 030 886 or at [australia.privacy.manager@aig.com](mailto:australia.privacy.manager@aig.com).

**How We Collect Your Personal Information**

AIG usually collects personal information from You or Your agents.

AIG may also collect personal information from:

1\. Our agents and service providers;

2\. other insurers;

3\. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4\. third parties who may be arranging insurance cover for a group that You are a part of;

5\. providers of marketing lists and industry databases; and

6\. publicly available sources.

**Why We Collect Your Personal Information**
AIG collects information necessary to:

1\. underwrite and administer Your insurance cover;

2\. improve customer service and products and carry out research and analysis, including data analytics; and

3\. advise You of Our and other products and services that may interest You.

**To Whom We Disclose Your Personal Information**

In the course of underwriting and administering Your policy We may disclose Your information to:

1\. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;

2\. banks and financial institutions for policy payments;

3\. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4\. entities to which AIG is related and third-party providers for data analytics functions;

5\. other entities to enable them to offer their products or services to You; and

6\. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

You may request not to receive direct marketing communications from AIG.

**Access to Your Personal Information**

**Complaints**

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

**Consent**

## II. SUMMARY OF COVER

| Insurance Cover | Claim Amount and Excess (AUD) |
| --------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Event Ticket Protection** | Per Occurrence Limit: $1,200 Annual Aggregate Limit: $1,200 Per Ticket Limit: $150 Excess: NIL Annual Maximum of Covered Events: 2 Annual Maximum of Tickets Covered: 8 |

**Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).**

**Claim Amount and Excess**

The applicable Excess (if any) is also set out in the table above.

Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and based on information offered by the Policyholder.

## III. GENERAL DEFINITIONS

Terms with a specific meaning are defined below and have this meaning wherever they appear with an initial capital letter.

**Annual Aggregate Limit** means the maximum amount of benefit per Eligible Cardholder under the Event Ticket Protection insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

**Burglary** means the taking of Your property by a person or persons who illegally entered Your Residence using force or violence.

**Business** means (i) a trade, profession or occupation including those conducted on a full-time, part-time or occasional basis, or (ii) any other legal activity in which one is engaged for money or other compensation.

**Companion** means any person who will attend the Covered Event with You.

**Covered Event** means the legally organized, planned function with a specific time, date and place that You attend as a spectator or participant and requires a Ticket which is purchased using Your Eligible Card.

**Eligible Card** means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

**Eligible Cardholders** means all individuals who have been issued an Eligible Card, including secondary or additional cardholders on the same account, in the Territory and where such Eligible Card is issued by a participating Issuer who shall be entitled to receive payment or such other benefit as is provided for in these terms and conditions.

**Event Cost** means the total amount You paid for the Ticket including any service, handling fees and taxes prior to the start of the Covered Event as stated in the Ticket or purchase receipt.

**Group Policy** means a contract of insurance between the Insurer and the Policyholder under which insurance coverage is extended to You in accordance with these terms and conditions.

**Group Policy Period** means the period beginning from 2nd February 2025 until the Group Policy is terminated.

**Incident (Incidences)** means an unforeseen and involuntary event.

**Injury or Sickness** means one which requires treatment by a legally Qualified Medical Practitioner and which results in You being certified by the practitioner as unfit to attend any Covered Event.

**Natural Catastrophe(s)** means fire, named hurricane, typhoon or cyclone; flood; earthquake; tsunami; volcanic action or eruption; and / or any other natural disaster officially declared by a government agency. Policyholder means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

**Pre-Existing Medical Condition** means any ongoing medical condition or conditions which required medical treatment (including consultations or advice) within the 12 months preceding the date of Ticket being purchased.

**Qualified Medical Practitioner** means a licensed medical practitioner acting within the scope of his / her license who holds a degree of a recognized institution and is registered by the medical council of the respective country to render medical or surgical service. The term Qualified Medical Practitioner includes medical specialists and surgeons. This does not include You, Your Relative, Companion, business associate, employee or employer.

**Relative** means Your legally married spouse/partner, parent, step-parent, parent in-law, grandparent, child, child in-law, step-child, legally adopted child, grandchild, sibling, sibling in-law, uncle, aunt, niece, nephew and cousin.

**Residence** means the place in which You principally reside, the majority of the time.

**Serious Injury or Serious Sickness** means a sickness or injury which requires hospitalization at the direction of a legally Qualified Medical Practitioner and such practitioner certifies that such injury or sickness puts one’s life in imminent danger necessitating Your immediate attendance such that an ordinarily prudent person must choose not to attend the Covered Event.

**Territory** means the country or region where the Eligible Card was issued, in this case, Australia.

**Ticket** means documentation reflecting a non-refundable, authorized entry admission for a Covered Event that was purchased from the Covered Event organiser, or from a recognized and reputable ticket agent or box office.

**Vehicle** means Your car, truck or motorcycle properly licensed under Your name for which You have permission to drive and registered to be used on public roads for private use.

**We/Us/Our/Insurer** means AIG Asia Pacific Insurance Pte. Ltd.

**You/Your** mean the recipient of a Ticket that is insured under these terms and conditions.

## IV. COVERAGE

We will reimburse the non-refundable Event Cost of the Ticket or the actual amount You paid using Your Eligible Card to acquire the Ticket as shown on the receipt, whichever is lower, if You are unable to attend the Covered Event due to the following Incidences which happen on or continues through the date of the Covered Event:

1\. Direct damage to Your Residence from a house fire, Burglary or any Natural Catastrophe that requires You to be present at the Residence on the date of the Covered Event;

2\. You are prevented from attending the Covered Event due to a Natural Catastrophe;

3\. Your Vehicle becomes inoperable while in route to the Covered Event, provided it is thereafter reported to a roadside recovery service, Your primary automobile insurer, or brought to a Vehicle service/repair centre;

4\. A sudden and unexpected Business trip that is required by Your employer, which results in You not being able to attend the Covered Event;

5\. You are served with a court order or a subpoena, which requires Your appearance in court on the day of the Covered Event;

6\. Your death or unforeseen Injury or Sickness or compulsory quarantine which results in You not being able to attend the Covered Event; or

7\. Your Relative’s death, Serious Injury or Serious Sickness, which results in You not being able to attend the Covered Event.

## V. COVERAGE CONDITIONS

1\. Our maximum liability under the Event Ticket Protection insurance shall not exceed

a. two (2) Covered Events: or

b. eight (8) Tickets in total per Eligible Card within a period of twelve (12) consecutive months prior to the date of loss.

2\. The Ticket must be paid in advance by the Eligible Cardholder using the Eligible Card.

3\. Reimbursement of the Ticket cannot reasonably be recoverable from any other source.

4\. You must make all reasonably necessary arrangements to arrive at the Covered Event on time.

5\. You must take all reasonable precautions to prevent any claim.

6\. Coverage is effective only if the Ticket is purchased before You become reasonably aware of any circumstances that could lead to the inability to attend the Covered Event.

7\. We will only reimburse the Ticket cost if You are unable to attend the entire Covered Event.

For the avoidance of doubt, if Your Ticket is for a multi-day Covered Event, We will only reimburse the non-refundable Event Cost if You were unable to attend the entire Covered Event and Your Ticket remains completely unused. However if the event is a multi-day Covered Event and separate Tickets are issued for each day with the face value of the Ticket indicating the day and the daily value, then We will reimburse You the cost of the Ticket for the day You are unable to attend.

8\. If You used rewards or loyalty points associated with Your Eligible Card to cover the cost of Ticket, the amount We will pay in respect of those costs will be the quoted retail price for the same Ticket at the time You made the purchase, less Your monetary contribution towards the Ticket and divided by the number of points redeemed, and multiplied by the number of points redeemed less any points that were returned back to You, ie.

(Quoted retail price of Ticket– Your cash contribution)/ Number of points redeemed for purchase of Ticket \* (Number of points redeemed for purchase – number of points returned to You)

For example, if You redeemed 10,000 points and contributed $50 towards a Covered Event Ticket that retailed for $100, and You were refunded 5,000 points by the provider, then the amount We will pay You will be $25 calculated as follows:

($100-$50)/10,000 points redeemed\*(10,000 points redeemed-5,000 points returned) Claimable value = $25

## VI. GENERAL EXCLUSIONS

No cover will be provided under this insurance for any claim:

1\. that is in respect of Covered Events which do not occur within the Group Policy Period;

2\. caused directly or indirectly from the cancellation or postponement of the Covered Event by the organizer for any reason;

3\. due to a cancelled or rescheduled airplane flight, unless due to a Natural Catastrophe, as stated in Section IV;

4\. caused directly or indirectly from the re-selling of the Tickets;

5\. arising from any Pre-Existing Medical Conditions;

6\. arising from Your or Your Relative’s intentionally self-inflicted harm or attempted suicide;

7\. related to You, or Your Relative’s pregnancy, fertility treatments or childbirth;

8\. due to You, or Your Relative’s intoxication or impairment from use of alcohol, illegal drugs, narcotics, or medicines which have not been prescribed by a Qualified Medical Practitioner;

9\. caused by You or Your Relative’s illegal acts;

10\. resulting from the intentional actions of You or a Relative, or actions that You or a Relative knew of or planned;

11\. due to, or related to, a nuclear, biological or chemical event;

12\. due to War, invasion, act of foreign enemy, hostilities or warlike operations (whether War has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind;

13\. due to the order of any government, public authority, or customs official; or

14\. related to any package deal involving the bundles purchase of flights, accommodation and the Ticket of Covered Event unless the cost of the Ticket can reasonably be determined or assessed. For the avoidance of doubt, in such incidence, We will only reimburse the cost of the Ticket as reflected on the invoice / receipt.

## VII. GENERAL PROVISIONS

You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under this coverage, You must contact Us as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to [https://au.mycardbenefits.com](https://au.mycardbenefits.com/) or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

You must as soon as reasonably practicable: 1\. complete, sign and return the claim form to Us together with:

a. Original unused Ticket of the Covered Event, Ticket terms and conditions, as well as refund confirmation from the organizer or Ticket seller (if available);

b. Confirmation from Your insurance company, fire department or government authority for claims coverage under Section IV peril 1 or 2; or

c. Documentation from a qualified roadside service company, motor Vehicle service / repair centre and Your primary automobile insurer on the date of the Covered Event for claims coverage under Section IV peril 3; or

d. Employer confirmation letter for claims coverage under Section IV peril 4; or

e. Court notice for claims coverage under Section IV peril 5; or

f. Qualified Medical Practitioner or hospital official statements, and/or death certificate for claims coverage under Section IV peril 6 or 7; or

g. A copy of any official police report filed, if applicable.

## VIII. LIMITS OF LIABILITY

**Per Occurrence:** Our liability shall not exceed the limits stated in the section headed “Claim Amount and Excess” under section II-Summary of Cover.

**Annual Aggregate**: The total of all benefits paid or payable while the Group Policy and these terms and conditions are in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under section II-Summary of Cover.

## IX. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

1\. take all reasonably practicable measures to prevent and avoid further loss or damage;

3\. disclose to Us details of any other insurance cover under which You are entitled to claim;

4\. where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);

5\. provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;

6\. reasonably co-operate with Us in investigating, evaluating and settling a claim.

## X. GENERAL CONDITIONS

**A. Disputes**
Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under these terms and conditions, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales.

**B. Governing Law**
These terms and conditions and this coverage terms shall be governed by the laws of the state of New South Wales.

**C. Loss Prevention**
You must use all reasonable means to avoid future loss at and after the time of loss.

**E. Transfer**
The Policyholder or You may not transfer its interest in this insurance to anyone.

**F. Cancellation**
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

**G. Changes**
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy and these terms and conditions following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy or these terms and conditions shall be effective except when made by written endorsement signed by Our authorised representative.

**H. Subrogation**
If We settle any claim or payment or otherwise cover any loss applying under these terms and conditions, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

**I. Compliance**
The benefits of these insurance coverages are subject always to Your compliance with these terms and conditions.

**J. Financial Claims Scheme**
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy and these terms and conditions. In the unlikely event that We are unable to meet Our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy or these terms and conditions may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at [https://www.fcs.gov.au](https://www.fcs.gov.au/).

---

# Source: https://www.moneyme.com.au/mastercard-mobile-cover-terms

### Mastercard Plus Products Insurance

### MoneyMe Cashback Rewards Card

**Complimentary Mobile Phone Protection Insurance Terms and Conditions**
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

## I. PREAMBLE AND DISCLOSURES

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
[APAC.Mastercard@aig.com](mailto:APAC.Mastercard@aig.com)

**General Insurance Code of Practice**

For more information on the Code please visit [www.codeofpractice.com.au](http://www.codeofpractice.com.au/).

For more information on the Code Governance Committee please visit [www.insurancecode.org.au](http://www.insurancecode.org.au/).

**Complaints and Feedback**

**How to provide feedback**

**1\. Speak to Our Complaints team**

Our complaints team can be contacted on **1800 339 669**. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

**2\. Provide Your feedback in writing**

If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

**The Complaints Team**
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: [aucomplaints@aig.com](mailto:aucomplaints@aig.com)

**What happens if You make a complaint?**

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1\. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2\. We will tell You who will handle Your complaint and their contact details.

4\. We will treat Your complaint respectfully and handle all personal information in accordance with Our [Privacy Policy](https://www.aig.com.au/privacy-policy).

5\. Within 30 calendar days from the date, We receive Your complaint, We will provide a response to Your complaint.

**What You can do if You are not happy with Our response or handling of Your complaint**

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You.

You can take Your complaint to AFCA at any time, including:

1\. if We have been unable to resolve Your complaint within 30 calendar days;

2\. ou are dissatisfied with the outcome of Your complaint; or

3\. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process.

AFCA’s contact details are:

**Australian Financial Complaints Authority (AFCA)**

GPO Box 3
Melbourne VIC 3001
Website: [www.afca.org.au](http://www.afca.org.au/)
Email: [info@afca.org.au](mailto:info@afca.org.au)
Phone: **1800 931 678** (free call)

**PRIVACY NOTICE**

**This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:**

**1\. You, if an individual; and**

**2\. other individuals You provide information about.**

**How We Collect Your Personal Information**

AIG usually collects personal information from You or Your agents.

AIG may also collect personal information from:

1\. Our agents and service providers;

2\. other insurers;

3\. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4\. third parties who may be arranging insurance cover for a group that You are a part of;

5\. providers of marketing lists and industry databases; and

6\. publicly available sources.

**Why We Collect Your Personal Information**
AIG collects information necessary to:

1\. underwrite and administer Your insurance cover;

2\. improve customer service and products and carry out research and analysis, including data analytics; and

1. advise You of Our and other products and services that may interest You.

**To Whom We Disclose Your Personal Information**

In the course of underwriting and administering Your policy We may disclose Your information to:

1\. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;

2\. banks and financial institutions for policy payments;

3\. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4\. entities to which AIG is related and third-party providers for data analytics functions;

5\. other entities to enable them to offer their products or services to You; and

6\. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

You may request not to receive direct marketing communications from AIG.

**Access to Your Personal Information**

**Complaints**

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

**Consent**

## II. SUMMARY OF COVER

**Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).**

**Claim Amount and Excess**

The applicable Excess (if any) is also set out in the table above.

## III. DEFINITIONS

Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter:

**Accidental Damage** means the Mobile Phone no longer performing the function it was intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event.

**Annual Aggregate Limit** means the maximum amount of benefit per Eligible Cardholder under the Mobile Phone Protection Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

**Eligible Card** means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

**Excess** means a monetary contribution You are required to pay towards a claim You make.

**Group Policy** means the contract of insurance between the Insurer and the Policyholder.

**Group Policy Period** means the period beginning from 2nd February 2026 and until the Group Policy is terminated.

**Insurer/We/Us/Our** means AIG Australia Limited.

**Issuer** means a bank or financial institution or like entity that is authorised by Mastercard to operate a Mastercard card program in the Territory and is participating in the insurance offering to Eligible Cardholders.

**Lost** means You have accidentally misplaced Your Mobile Phone and it is unrecoverable.

**Mobile Phone** means a telephone device associated with the Eligible Cardholder’s Postpaid or Prepaid plan, that use radio waves over a networked area (cells) and is served through cell sites or base stations at a fixed location, enabling calls to transmit wirelessly over a given range. For the avoidance of doubt, smart watch or tablet is not considered as a Mobile Phone.

**Natural Catastrophe** means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami.

**Per Occurrence Limit** means the maximum amount of benefit available under the Summary of Cover for any single incident during the Group Policy Period.

**Policyholder** means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

**Postpaid** means a mobile telephone subscription where the Eligible Cardholder enters into a contract with a mobile provider with a monthly billing arrangement.

**Prepaid** means a mobile telephone subscription for which credit is purchased in advance of using the mobile provider’s services.

**Territory** means the country or region in which Eligible Cards are issued, in this case, Australia.

**Theft** means the unlawful intentional and dishonest taking of the Mobile Phone belonging to the Eligible Cardholder without their consent, with intent to permanently deprive him/her of such Mobile Phone.

## IV. COVERAGE

**MOBILE PHONE PROTECTION**
The Insurer will pay for loss due to Accidental Damage or Theft up to the Per Occurrence Limit and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder, as set out in the Summary of Cover above if:

1. For Postpaid, the mobile provider’s monthly billing statement for the billing cycle preceding the month in which the Accidental Damage or Theft occurred is paid using the Eligible Card.
2. For Prepaid, the Issuer’s monthly billing statement shows a top-up value related to the mobile provider’s services preceding the month in which the Accidental Damage or Theft occurred.

**Effective Period of Coverage**
Coverage begins on the first day of the calendar month following the payment of your Postpaid monthly mobile telephone bill or Prepaid top-up. Coverage will be valid until the last day of the calendar month following the payment of your Postpaid monthly mobile telephone bill or Prepaid top-up.

**Valuation**
Acting reasonably, We will decide whether to have the Mobile Phone repaired or replaced. We will be liable only for the lesser of the following amounts:

1. the cost to repair or replace the Mobile Phone after the Excess has first been applied to the cost to repair or replace the Mobile Phone;
2. the Per Occurrence Limit; or
3. the remaining amount of the Annual Aggregate Limit.

Eligible Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. The Insurer will notify the Eligible cardholder if they need to send in the Mobile Phone for such evaluation.

**Scope of Insurance Coverage**
Our maximum liability for this coverage will not exceed the Annual Aggregate Limit per Eligible Card per twelve-month period, subject to the terms, conditions, exclusions, and limits of liability of the Group Policy and this document as well as the Excess stated in the Summary of Cover above. Coverage is excess of any other applicable insurance or indemnity the Eligible Cardholder may have.

**Individual Termination Date**
An Eligible Cardholder’s coverage under this agreement shall terminate on the earliest of:

1. the date the Eligible Cardholder no longer qualifies as an Eligible Cardholder;
2. the date the Eligible Card is determined to be ineligible by the Issuer;
3. the date the Issuer ceases to participate in the Group Policy; or
4. the date the Group Policy is terminated.

Coverage shall be provided under this section for the Mobile Phone Theft or Accidental Damage during the Effective Period of Coverage as determined above. Coverage will terminate on the applicable individual termination date specified in the paragraph above.

If the coverage is terminated, any claim arising prior to such date of termination will, subject to the terms of the Group Policy and these terms and conditions, be eligible for coverage by the Insurer.

Coverage shall not be provided for any Theft or Accidental Damage after the individual termination date as determined above.

**Suspension of Coverage**
Coverage will be suspended on the first day of the following calendar month following the month during which an Eligible Cardholder fails to make a mobile telephone Postpaid bill payment or Prepaid Top-up using the Eligible Card while coverage is in effect in the previous month.

**Resumption of Coverage**
If coverage is suspended in accordance with the above, coverage will resume after a 15-day waiting period following the date of any future mobile telephone Postpaid bill payment or Prepaid Top-up payment using an Eligible Card.

## V. EXCLUSIONS

No coverage will be provided for any of the following:

1. Mobile Phone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
2. Mobile Phones that are Lost.
3. Any loss that does not occur within the Group Policy Period.
4. Losses caused by the process of cleaning, servicing, maintaining, adjusting, or You repairing the Mobile Phone.
5. Mobile Phone purchased for resale or for professional or commercial use.
6. Mobile Phones under the care and control of a common carrier, including, but not limited to, the postal service, airplanes or delivery service.
7. Mobile Phones stolen from baggage unless hand-carried and under the Eligible Cardholder’s supervision or under the supervision of the Eligible Cardholder’s traveling companion who is previously known to the Eligible Cardholder.
8. Accidental Damage or Theft resulting from Your abuse, omission or negligence or the abuse, omission or negligence of anyone acting on Your behalf, including but not limited to leaving Your Mobile Phone unattended in any place or motor vehicle where it is, or was, plainly visible.
9. Cosmetic damage such as a dent or scratch to the Mobile Phone or Accidental Damage that does not impact the Mobile Phone’s ability to make or receive phone calls.
10. Accidental Damage or Mobile Phone Theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, Natural Catastrophe, radioactive contamination, or damage from inherent product defects or vermin.
11. Losses resulting from a failure of Mobile Phone due to a defect in materials and/or workmanship and/ or design, including but not limited to inherent product defects, software, or data failure.
12. Accidental Damage or Theft resulting from mis-delivery or theft by fraud or deceit.
13. Replacement Mobile Phone purchased from other than a mobile provider’s authorised retail or internet store.
14. Taxes, delivery or transportation charges or any fees associated with the service provided.
15. Losses resulting from information or data loss, sent from, or received, on a Mobile Phone following Accidental Damage or Theft.
16. Loss resulting from war, civil war, invasion, insurrection, revolution, use of or threatened use of military power or usurpation of government or military power.
17. Loss resulting from any terrorist act, or the intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act.
18. Losses due to, or related to, a nuclear, biological or chemical event(s).
19. Losses due to the order of any government, public authority, or customs official.

## VI. DUTIES AFTER A LOSS

You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under these coverages, You must contact Us within as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to [https://au.mycardbenefits.com](https://au.mycardbenefits.com/) or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

**AIG Australia Limited**
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM,
Monday to Friday
Email: [APAC.Mastercard@aig.com](mailto:APAC.Mastercard@aig.com)

The Eligible Cardholder must as soon as reasonably practicable:

1. complete, sign and return the claim form to Us\* together with:
a. the Eligible Cardholder’s card statement reflecting the monthly mobile telephone payment of the Prepaid amount for the month preceding the date the Mobile Phone was subject to Theft or Accidental Damage;
b. if Postpaid, a copy of the Eligible Cardholder’s current mobile provider’s billing statement;
c. if available, a copy of the original Mobile Phone purchase receipt or other sufficient proof of the Mobile Phone model currently linked to the Eligible Cardholder’s mobile telephone account;
d. if there is existing insurance from the mobile operator, a copy of the insurance claim to the Eligible Cardholder’s mobile telephone insurance, or in the event that the claim amount is less than the Eligible Cardholder’s deductible, a copy of the policy’s declarations page;
e. for Accidental Damage claims, a copy of the repair memo, repair estimate and/or service report from an authorised repairer and photographs of the Accidental Damage may be requested;
f. for Theft claims, an official copies of the police report as soon as reasonably practicable; and
g. Any other relevant documents We may reasonably ask You to provide.

\*_Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery._

## VII. LIMITS OF LIABILITY

**Per Occurrence:** Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

## VIII. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

1. take all reasonably practicable measures to prevent and avoid further loss or damage;
2. complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;
3. disclose to Us details of any other insurance cover under which You are entitled to claim;
4. upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;
5. where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);
6. provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess your claim;
7. reasonably co-operate with Us in investigating, evaluating and settling a claim; and
8. if the loss involved theft report of the theft to the police as soon as reasonably practicable.

## IX. GENERAL CONDITIONS

**B. Governing Law**
The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales.

**C. Loss Prevention**
You must use all reasonable means to avoid future loss at and after the time of loss.

**E. Transfer**
The Policyholder or You may not transfer its interest in this insurance to anyone.

**F. Cancellation**
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

**G. Changes**
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy shall be effective except when made by written endorsement signed by Our authorised representative.

**H. Subrogation**
If We settle any claim or payment or otherwise cover any loss applying under the Group Policy, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

**I. Compliance**
The benefits of the Group Policy are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms.

**J. Financial Claims Scheme**
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy. In the unlikely event that we are unable to meet our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at [https://www.fcs.gov.au](https://www.fcs.gov.au/).

Start: 2026-10-07 02:27:42.982 UTC
Superseded: 2026-10-08 09:48:38.234 UTC
Last successful capture for offer: 2026-10-10 03:37:19.000 UTC

Source recorded by a live capture.

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Enjoy cashback on everyday purchases with up to 44 days interest free

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1 Mobile phone, purchase and ticket protection insurance is underwritten and issued by AIG Australia Limited ABN 93 004 727 753, AFSL 381 686 (AIG) under a group policy of insurance issued to Mastercard. In arranging the insurance, Mastercard acts a group purchasing body under ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751. Eligible persons who can access these insurances are the current holders of a MONEYME Cashback Rewards Credit Card which entitles them to these insurance benefits. You should read the Mastercard Plus Products Insurance Terms and Conditions for mobile phone protection, purchase protection and ticket protection. Eligible persons can claim as third-party beneficiaries by virtue of the operation of s48 of the Insurance Contracts Act 1984. Conditions, exclusions and limits apply to this insurance coverage as set out in the Terms and Conditions and any insurance document provided to the eligible persons, which both may be amended from time to time. MONEYME Financial Group Pty Ltd does not guarantee this insurance. It does not hold an Australian Financial Services Licence and is not authorised to provide financial advice in relation to the insurance. You should consider obtaining your own advice as to the suitability of the insurance coverage for you.

3The actual rate that you receive will depend on a range of factors, including your credit score.

4Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

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Mastercard Plus Products Insurance

MoneyMe Cashback Rewards Card

Complimentary E-Commerce Purchase Assurance Insurance Terms and Conditions
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

I. PREAMBLE AND DISCLOSURES

This document also constitutes the necessary disclosure required by the Policyholder as a Group Purchasing Body under the Instrument issued by the Australian Securities and Investments Commission.

The Policyholder is not an Authorised Financial Services Licensee as provided for under the Corporations Act 2001.

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
APAC.Mastercard@aig.com

General Insurance Code of Practice

Complaints and Feedback

How to provide feedback

1. Speak to Our Complaints team
Our complaints team can be contacted on 1800 339 669. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

2. Provide Your feedback in writing
If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

The Complaints Team
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: aucomplaints@aig.com

What happens if You make a complaint?

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2. We will tell You who will handle Your complaint and their contact details.

3. We will, where applicable, keep You informed via Your preferred method of communication of the progress of Your complaint every ten (10) business days, more frequently or necessary or as agreed by both of Us.

4. We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy.

5. Within 30 calendar days from the date We receive Your complaint, We will provide a response to Your complaint.

What You can do if You are not happy with Our response or handling of Your complaint

What You can do if You are not happy with Our response or handling of Your complaint

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

You can take Your complaint to AFCA at any time, including:

1. if We have been unable to resolve Your complaint within 30 calendar days;

2. You are dissatisfied with the outcome of Your complaint; or

3. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process. AFCA’s contact details are:

Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)

PRIVACY NOTICE

This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:

1. You, if an individual; and

2. other individuals You provide information about.

Further information about Our Privacy Policy is available at www.aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy.manager@aig.com.

How We Collect Your Personal Information

AIG usually collects personal information from You or Your agents. AIG may also collect personal information from:

1. Our agents and service providers;

2. other insurers;

3. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4. third parties who may be arranging insurance cover for a group that You are a part of;

5. providers of marketing lists and industry databases; and

6. publicly available sources.

Why We Collect Your Personal Information

AIG collects information necessary to:

1. underwrite and administer Your insurance cover;

2. improve customer service and products and carry out research and analysis, including data analytics; and

3. advise You of Our and other products and services that may interest You.

To Whom We Disclose Your Personal Information

In the course of underwriting and administering Your policy We may disclose Your information to:

1. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;.

2. banks and financial institutions for policy payments;

3. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4. entities to which AIG is related and third-party providers for data analytics functions;

5. other entities to enable them to offer their products or services to You; and

6. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

You may request not to receive direct marketing communications from AIG.

Access to Your Personal Information

Complaints

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

Consent

II. SUMMARY OF COVER

Subject to the terms contained in this document and the Group Policy, the Insurer agrees to provide the following coverage to the Eligible Cardholders:

Insurance Cover	Claim Amount and Excess (AUD)
E-Commerce Purchase Protection-------------Purchase Protection	Combined Per Occurrence Limit for Ecommerce Purchase Protection and Purchase Protection: Up to $750* Combined Annual Aggregate Limit for Ecommerce Purchase Protection and Purchase Protection: $750*

Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).

Claim Amount and Excess

There is no Excess applicable for these coverages.

*The Combined Limits for E-Commerce Purchase Protection and Purchase Protection applies to claims for both E-Commerce Purchase Protection and Purchase Protection.

III. GENERAL DEFINITIONS

Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter:

Accidental Damage means items that can no longer perform the function they were intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event.

Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the E-Commerce Purchase Assurance Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

Cardholder(s) means all individuals who have been issued an Eligible Card, including secondary or additional Cardholders on the same account, in Australia where such Eligible Card is issued by a participating Issuer.

Collectable Item means an object suitable for a collection, originally a work of fine art or an antique, also including any of a wide variety of items collected as a hobby, that may include but not limited to antiques, toys, coins, comic books and stamps and which items or objects are used for display, or as an investment and whose value may appreciate.

Courier means a transportation company duly licensed to engage in the business of transportation of Goods.

Eligible Card means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

Eligible Cardholder/You/Your means those Cardholders with Eligible Cards who shall be entitled to receive payment or such other benefit as is provided for in the Summary of Cover and the Group Policy.

Excess means a monetary contribution You are required, if any, to pay towards a claim You make. Goods means new items, other than those listed in Coverage Exclusions below, purchased entirely with the Eligible Card and/or have been acquired with points earned by a rewards program associated with the Eligible Card.

Group Policy means the contract of insurance between the Insurer and the Policyholder. Group Policy Period means the period beginning from 1st March 2026 and until the Group Policy is terminated.

Insurer/We/Us/Our means AIG Australia Limited.

Issuer means a bank or financial institution or like entity that is authorized by Mastercard to operate a Mastercard card program in the Territory and is participating in the insurance offering to Eligible Cardholders.

Natural Catastrophe means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami.

Per Occurrence Limit means the maximum amount of benefit available under the Summary of Cover for any single incident during the Group Policy Period.

Policyholder means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

Seller means an online juridical entity duly organized, licensed and registered in accordance with the country of its principal place of business engaged in selling Goods via the internet.

Territory means the country or region in which Eligible Cards are issued, in this case, Australia.

Theft means the unlawful, intentional and dishonest taking of a Goods belonging to the Eligible Cardholder without their consent, with intent to deprive him/her of such Goods.

IV. COVERAGE

A. E-COMMERCE PURCHASE PROTECTION

1. Non-delivery/and or incomplete delivery of Goods, that are purchased on the internet: Goods are insured against non-delivery if (i) unless so otherwise advised by the Seller/Courier that the Goods will be delivered at a date beyond 30 days of the scheduled delivery date, the Goods have not been delivered within 30 days of the scheduled delivery date; and (ii) the Seller/Courier has failed to refund You/send replacement Goods within 60 days of non-delivery. We will only provide coverage under this part 1. for any amounts You have not been able to or could reasonably recover under other applicable insurance or source. Under this part 1., Our indemnity is limited to a cash refund up to the purchase price and shipment costs of the non-delivered Goods. The total refund paid to You will not exceed the limits stated under the Summary of Cover above.

2. Improper functioning due to physical damage of delivered Goods that are purchased on the internet. The delivered Goods are insured against improper functioning, provided (i) such improper functioning is solely as a result of physical damage which was apparent or manifest at time of delivery of the Goods to You; and (ii) the Seller/Courier has failed to refund You/send replacement Goods within 60 days of delivery. We will only provide coverage under this part 2. for any amounts You have not been able to or could reasonably recover under other applicable insurance or source. Under this part 2, Our indemnity is limited to a cash refund up to the purchase price and shipment costs of the Goods. The total refund paid to You will not exceed the limits stated under the Summary of Cover above.

Coverage under this section will only be provided if the date of purchase referenced above occurs during the Group Policy Period.

Exclusions specific to E-Commerce Purchase Protection

We shall not be liable to pay under this section for any claim, expenses or loss in connection with:

1. animals or plant life;

2. cash, bullion, negotiable instruments, shares, travelers cheques, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

3. consumable or perishable items (including but not limited to food, flowers, drink, medicines, nutrition supplements, cosmetics);

4. motorised vehicles including but not limited to motorcycles or motor scooters, drones, watercraft/boat, aircraft, automobiles and any equipment and/or parts necessary for its operation and/or maintenance;

5. access to internet websites, mobile applications, software or data files downloaded off the internet including but not limited to music files, photos, reading material, books and movies; or reinstatement or recovery thereof;

6. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental or financial advice;

7. Goods purchased from a natural person either through a private transaction or an online auction website;

8. Counterfeit or fake goods;

9. loss or damage due to a Natural Catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs;

10. losses due to mechanical failure, electrical failure; software or data failure;

11. loss of data;

12. Goods purchased were damaged goods at the time of purchase;

13. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

14. Goods used for, or intended to be used for, commercial use including items purchased for re-sale or tools of trade or profession, retail and/or property rental, or other business purposes;

15. items that You have rent out, rented or leased;

16. items that were, at the time of purchase, used or second-hand, rebuilt, refurbished, or remanufactured;

17. hazardous materials;

18. art, antiques, firearms and Collectable Items;

19. furs, watches, jewelry, gems, fragile items, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);

20. the costs or charges which do not relate to any e-commerce purchase, which You paid for using Your Eligible Card;

21. any fraudulent or willful act by You;

22. cosmetic damages which do not affect Goods’ intended functions;

23. Goods deemed to be illegal by local government authorities, and/or lawful confiscation of Goods by police, government agencies, courts or other empowered authorities;

24. losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind; or

25. losses due to, or related to, a nuclear, biological radiation or chemical event.

Conditions specific to E-Commerce Purchase Protection

The following conditions of coverage are applicable to this section:

1. the delivery address for the Goods must be Your address in the Territory as registered with the Issuer.

2. a shipment tracking number must have been assigned and provided by the Seller of the Goods or a designated Courier.

3. You must have informed the Seller in writing where applicable of the non-delivery of Goods or the fact that the Goods were damaged on delivery and demanded in writing replacement Goods or alternatively in a case where the Goods have not been delivered, a full refund.

4. in the event that a claim is submitted for improper functioning due to damage of delivered Goods- You shall, as soon as reasonably practicable, notify the Seller/Courier of the Goods and Us.

5. You will reasonably cooperate with Us and help Us to enforce any legal rights You or We may have in relation to Your claim.

6. in the event that a claim for non-delivery is paid to You, and the original Goods eventually arrive, You should pay back to Us any indemnity received by You from Us.

7. no Excess is payable by You.

B. PURCHASE PROTECTION

1. Goods given as gifts;

2. Goods that are purchased on the internet;

3. Goods do not have to be registered with Us.

Coverage under this section will only be provided if the date of purchase referenced above occurs during the Group Policy Period.

Exclusions specific to Purchase Protection We shall not be liable to pay under this section for any claim, expenses or loss in connection with:

1. motorised vehicles including but not limited to motorcycles or motor scooters, drones, airplanes, watercraft/boats, automobiles and any equipment and/or parts necessary for its operation and/or maintenance;

2. permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;

3. travelers cheque(s), shares, cash, negotiable instruments, bullion, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);

4. art, antiques, firearms and Collectable Items;

5. furs, watches, jewelry, gems, fragile items, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);

6. consumable or perishable items (including but not limited to food, flowers, drink, medicines, nutrition supplements, cosmetics);

7. plant life or animals;

8. any fraudulent or willful act by You or Your relative;

9. access to internet websites, mobile applications, software or data files downloaded from the internet including but not limited to music files, photos, reading materials, books and movies; or reinstatement or recovery thereof;

10. services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental or financial advice;

11. counterfeit or fake goods;

12. items that were, at the time of purchase, used or second-hand, rebuilt, refurbished, or remanufactured;

13. losses occurring to item(s) You purchased online prior to Your taking possession of such item(s);

14. items rented out, rented or leased;

15. items used for, or intended to be used for, commercial use including items purchased for re-sale or tools of trade or profession, retail and/or property rental, or other business purposes;

16. services, shipping, handling, installation or assembly costs;

17. items left unattended in a place to which the general public has access;

18. items deemed to be illegal by local government authorities, and/or lawful confiscation of Goods by police, government agencies, courts or other empowered authorities;

19. cosmetic damages which do not affect Goods’ intended functions;

20. losses caused by abuse, misuse, alteration or willful damage;

21. losses due to mechanical failure, electrical failure; software or data failure;

22. loss or damage due to wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, vermin, insects, termites, mold, wet or dry rot, bacteria, rust;

23. Loss or damage due to manufacturing defects or inherent vice such as any defect in materials and/or workmanship and/ or design;

24. Loss or damage due to cleaning, servicing, maintenance, adjustment or repairs;

25. losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind; or

26. losses due to, or related to, a nuclear, biological radiation or chemical event.

Conditions specific to Purchase Protection

The following conditions of coverages are applicable to this section:

1. The Insurer will make a reasonable determination whether to have the item repaired or replaced, or to reimburse the original purchase price considering any rebates, discounts or rewards points in relation to the purchase of such item.

2. Goods that are a pair or a set will be limited to the cost of replacement of the specific item if replaceable; otherwise, the value of the pair or set will be covered but will not exceed the Per Occurrence Limit specified above.

3. Upon recovery of items that were lost as the result of Theft or replaced as the result of Accidental Damage, You should pay back to Us any indemnity received by You from Us.

4. No excess is payable by You.

V. DUTIES AFTER A LOSS

You may log on to https://au.mycardbenefits.com or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM, Monday to Friday
Email: APAC.Mastercard@aig.com

Duties after a Loss for each applicable Insurance Coverage:

E-Commerce Purchase Protection

The Cardholder must as soon as reasonably practicable:

1. complete, sign and return the claim form to Us* together with the Cardholder’s statement of account or copy of purchase receipt showing payment of the Goods which was made entirely with the Eligible Card; and

2. any other relevant document We may reasonably ask You to provide.

Purchase Protection

The Cardholder must as soon as reasonably practicable:

1. complete, sign and return the claim form to Us* together with:

a. the Cardholder's statement of account or copy of purchase receipt showing payment of the item was made entirely with the Eligible Card;

b. for Theft claims, official copies of the police report;

c. for Accidental Damage claims, official copies of the repair estimate; and

d. any other relevant document We may reasonably ask You to provide.

*Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim.We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery.

VI. LIMITS OF LIABILITY

Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

Annual Aggregate: The total of all benefits paid or payable while the Group Policy is in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

VII. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

1. take all reasonably practicable measures to prevent and avoid further loss or damage;

2. complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of Your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;

3. disclose to Us details of any other insurance cover under which You are entitled to claim;

4. upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;

5. where reasonably necessary, grant authorization for Us to obtain Your records and other information, such as credit reports (if applicable);

6. provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;

7. reasonably co-operate with Us in investigating, evaluating and settling a claim; and

8. if the loss involved Theft, report of the theft to the police as soon as reasonably practicable.

VIII. GENERAL CONDITION

A. Disputes
Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under the Group Policy, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales.

B. Governing Law
The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales.

C. Loss Prevention
You must use all reasonable means to avoid future loss at and after the time of loss.

D. Sanctions
We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America or the Commonwealth of Australia.

E. Transfer
The Policyholder or You may not transfer its interest in this insurance to anyone.

F. Cancellation
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

G. Changes
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy or these coverage terms following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy or such terms shall be effective except when made by written endorsement signed by Our authorized representative.

H. Subrogation
If We settle any claim or payment or otherwise cover any loss applying under the Group Policy or these coverage terms, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

I. Compliance
The benefits of the Group Policy or these coverage terms are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms.

J. Financial Claims Scheme
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy and these coverage terms. In the unlikely event that We are unable to meet Our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at https://www.fcs.gov.au.

Source: https://www.moneyme.com.au/mastercard-event-cover-terms

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Mastercard Plus Products Insurance

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Complimentary Event Ticket Protection Insurance Terms and Conditions
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

I. PREAMBLE AND DISCLOSURES

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
APAC.Mastercard@aig.com

General Insurance Code of Practice

For more information on the Code please visit www.codeofpractice.com.au.

For more information on the Code Governance Committee please visit www.insurancecode.org.au.

Complaints and Feedback

How to provide feedback

1. Speak to Our Complaints team

Our complaints team can be contacted on 1800 339 669. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

2. Provide Your feedback in writing

If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

The Complaints Team
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: aucomplaints@aig.com

What happens if You make a complaint?

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2. We will tell You who will handle Your complaint and their contact details.

4. We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy.

5. Within 30 calendar days from the date, We receive Your complaint, We will provide a response to Your complaint.

What You can do if You are not happy with Our response or handling of Your complaint

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

You can take Your complaint to AFCA at any time, including:

1. if We have been unable to resolve Your complaint within 30 calendar days;

2. You are dissatisfied with the outcome of Your complaint; or

3. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process.

AFCA’s contact details are:

Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)

PRIVACY NOTICE

This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:

1. You, if an individual; and

2. other individuals You provide information about.

Further information about Our Privacy Policy is available at www.aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy.manager@aig.com.

How We Collect Your Personal Information

AIG usually collects personal information from You or Your agents.

AIG may also collect personal information from:

1. Our agents and service providers;

2. other insurers;

3. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4. third parties who may be arranging insurance cover for a group that You are a part of;

5. providers of marketing lists and industry databases; and

6. publicly available sources.

Why We Collect Your Personal Information
AIG collects information necessary to:

1. underwrite and administer Your insurance cover;

2. improve customer service and products and carry out research and analysis, including data analytics; and

3. advise You of Our and other products and services that may interest You.

To Whom We Disclose Your Personal Information

In the course of underwriting and administering Your policy We may disclose Your information to:

1. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;

2. banks and financial institutions for policy payments;

3. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4. entities to which AIG is related and third-party providers for data analytics functions;

5. other entities to enable them to offer their products or services to You; and

6. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

You may request not to receive direct marketing communications from AIG.

Access to Your Personal Information

Complaints

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

Consent

II. SUMMARY OF COVER

Insurance Cover	Claim Amount and Excess (AUD)
Event Ticket Protection	Per Occurrence Limit: $1,200 Annual Aggregate Limit: $1,200 Per Ticket Limit: $150 Excess: NIL Annual Maximum of Covered Events: 2 Annual Maximum of Tickets Covered: 8

Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).

Claim Amount and Excess

The applicable Excess (if any) is also set out in the table above.

Under the Group Policy, the Insurer agrees to provide coverage to Eligible Cardholders of the Policyholder as set out in the Group Policy and based on information offered by the Policyholder.

III. GENERAL DEFINITIONS

Terms with a specific meaning are defined below and have this meaning wherever they appear with an initial capital letter.

Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the Event Ticket Protection insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

Burglary means the taking of Your property by a person or persons who illegally entered Your Residence using force or violence.

Business means (i) a trade, profession or occupation including those conducted on a full-time, part-time or occasional basis, or (ii) any other legal activity in which one is engaged for money or other compensation.

Companion means any person who will attend the Covered Event with You.

Covered Event means the legally organized, planned function with a specific time, date and place that You attend as a spectator or participant and requires a Ticket which is purchased using Your Eligible Card.

Eligible Card means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

Eligible Cardholders means all individuals who have been issued an Eligible Card, including secondary or additional cardholders on the same account, in the Territory and where such Eligible Card is issued by a participating Issuer who shall be entitled to receive payment or such other benefit as is provided for in these terms and conditions.

Event Cost means the total amount You paid for the Ticket including any service, handling fees and taxes prior to the start of the Covered Event as stated in the Ticket or purchase receipt.

Group Policy means a contract of insurance between the Insurer and the Policyholder under which insurance coverage is extended to You in accordance with these terms and conditions.

Group Policy Period means the period beginning from 2nd February 2025 until the Group Policy is terminated.

Incident (Incidences) means an unforeseen and involuntary event.

Injury or Sickness means one which requires treatment by a legally Qualified Medical Practitioner and which results in You being certified by the practitioner as unfit to attend any Covered Event.

Natural Catastrophe(s) means fire, named hurricane, typhoon or cyclone; flood; earthquake; tsunami; volcanic action or eruption; and / or any other natural disaster officially declared by a government agency. Policyholder means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

Pre-Existing Medical Condition means any ongoing medical condition or conditions which required medical treatment (including consultations or advice) within the 12 months preceding the date of Ticket being purchased.

Qualified Medical Practitioner means a licensed medical practitioner acting within the scope of his / her license who holds a degree of a recognized institution and is registered by the medical council of the respective country to render medical or surgical service. The term Qualified Medical Practitioner includes medical specialists and surgeons. This does not include You, Your Relative, Companion, business associate, employee or employer.

Relative means Your legally married spouse/partner, parent, step-parent, parent in-law, grandparent, child, child in-law, step-child, legally adopted child, grandchild, sibling, sibling in-law, uncle, aunt, niece, nephew and cousin.

Residence means the place in which You principally reside, the majority of the time.

Serious Injury or Serious Sickness means a sickness or injury which requires hospitalization at the direction of a legally Qualified Medical Practitioner and such practitioner certifies that such injury or sickness puts one’s life in imminent danger necessitating Your immediate attendance such that an ordinarily prudent person must choose not to attend the Covered Event.

Territory means the country or region where the Eligible Card was issued, in this case, Australia.

Ticket means documentation reflecting a non-refundable, authorized entry admission for a Covered Event that was purchased from the Covered Event organiser, or from a recognized and reputable ticket agent or box office.

Vehicle means Your car, truck or motorcycle properly licensed under Your name for which You have permission to drive and registered to be used on public roads for private use.

We/Us/Our/Insurer means AIG Asia Pacific Insurance Pte. Ltd.

You/Your mean the recipient of a Ticket that is insured under these terms and conditions.

IV. COVERAGE

1. Direct damage to Your Residence from a house fire, Burglary or any Natural Catastrophe that requires You to be present at the Residence on the date of the Covered Event;

2. You are prevented from attending the Covered Event due to a Natural Catastrophe;

3. Your Vehicle becomes inoperable while in route to the Covered Event, provided it is thereafter reported to a roadside recovery service, Your primary automobile insurer, or brought to a Vehicle service/repair centre;

4. A sudden and unexpected Business trip that is required by Your employer, which results in You not being able to attend the Covered Event;

5. You are served with a court order or a subpoena, which requires Your appearance in court on the day of the Covered Event;

6. Your death or unforeseen Injury or Sickness or compulsory quarantine which results in You not being able to attend the Covered Event; or

7. Your Relative’s death, Serious Injury or Serious Sickness, which results in You not being able to attend the Covered Event.

V. COVERAGE CONDITIONS

1. Our maximum liability under the Event Ticket Protection insurance shall not exceed

a. two (2) Covered Events: or

b. eight (8) Tickets in total per Eligible Card within a period of twelve (12) consecutive months prior to the date of loss.

2. The Ticket must be paid in advance by the Eligible Cardholder using the Eligible Card.

3. Reimbursement of the Ticket cannot reasonably be recoverable from any other source.

4. You must make all reasonably necessary arrangements to arrive at the Covered Event on time.

5. You must take all reasonable precautions to prevent any claim.

6. Coverage is effective only if the Ticket is purchased before You become reasonably aware of any circumstances that could lead to the inability to attend the Covered Event.

7. We will only reimburse the Ticket cost if You are unable to attend the entire Covered Event.

8. If You used rewards or loyalty points associated with Your Eligible Card to cover the cost of Ticket, the amount We will pay in respect of those costs will be the quoted retail price for the same Ticket at the time You made the purchase, less Your monetary contribution towards the Ticket and divided by the number of points redeemed, and multiplied by the number of points redeemed less any points that were returned back to You, ie.

(Quoted retail price of Ticket– Your cash contribution)/ Number of points redeemed for purchase of Ticket * (Number of points redeemed for purchase – number of points returned to You)

($100-$50)/10,000 points redeemed*(10,000 points redeemed-5,000 points returned) Claimable value = $25

VI. GENERAL EXCLUSIONS

No cover will be provided under this insurance for any claim:

1. that is in respect of Covered Events which do not occur within the Group Policy Period;

2. caused directly or indirectly from the cancellation or postponement of the Covered Event by the organizer for any reason;

3. due to a cancelled or rescheduled airplane flight, unless due to a Natural Catastrophe, as stated in Section IV;

4. caused directly or indirectly from the re-selling of the Tickets;

5. arising from any Pre-Existing Medical Conditions;

6. arising from Your or Your Relative’s intentionally self-inflicted harm or attempted suicide;

7. related to You, or Your Relative’s pregnancy, fertility treatments or childbirth;

8. due to You, or Your Relative’s intoxication or impairment from use of alcohol, illegal drugs, narcotics, or medicines which have not been prescribed by a Qualified Medical Practitioner;

9. caused by You or Your Relative’s illegal acts;

10. resulting from the intentional actions of You or a Relative, or actions that You or a Relative knew of or planned;

11. due to, or related to, a nuclear, biological or chemical event;

12. due to War, invasion, act of foreign enemy, hostilities or warlike operations (whether War has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, terrorism, riot or the act of any lawfully constituted authority or vandalism of any kind;

13. due to the order of any government, public authority, or customs official; or

14. related to any package deal involving the bundles purchase of flights, accommodation and the Ticket of Covered Event unless the cost of the Ticket can reasonably be determined or assessed. For the avoidance of doubt, in such incidence, We will only reimburse the cost of the Ticket as reflected on the invoice / receipt.

VII. GENERAL PROVISIONS

You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under this coverage, You must contact Us as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to https://au.mycardbenefits.com or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM, Monday to Friday
Email: APAC.Mastercard@aig.com

You must as soon as reasonably practicable: 1. complete, sign and return the claim form to Us together with:

a. Original unused Ticket of the Covered Event, Ticket terms and conditions, as well as refund confirmation from the organizer or Ticket seller (if available);

b. Confirmation from Your insurance company, fire department or government authority for claims coverage under Section IV peril 1 or 2; or

d. Employer confirmation letter for claims coverage under Section IV peril 4; or

e. Court notice for claims coverage under Section IV peril 5; or

f. Qualified Medical Practitioner or hospital official statements, and/or death certificate for claims coverage under Section IV peril 6 or 7; or

g. A copy of any official police report filed, if applicable.

VIII. LIMITS OF LIABILITY

Per Occurrence: Our liability shall not exceed the limits stated in the section headed “Claim Amount and Excess” under section II-Summary of Cover.

Annual Aggregate: The total of all benefits paid or payable while the Group Policy and these terms and conditions are in force in connection with any particular Coverage shall not exceed the limit stated in the section headed “Claim Amount and Excess” under section II-Summary of Cover.

IX. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

1. take all reasonably practicable measures to prevent and avoid further loss or damage;

3. disclose to Us details of any other insurance cover under which You are entitled to claim;

4. where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);

5. provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess Your claim;

6. reasonably co-operate with Us in investigating, evaluating and settling a claim.

X. GENERAL CONDITIONS

A. Disputes
Subject to the Complaints and Feedback section process outlined above, in the event of a dispute under these terms and conditions, the parties agree to submit to the non-exclusive jurisdiction of the Courts of New South Wales.

B. Governing Law
These terms and conditions and this coverage terms shall be governed by the laws of the state of New South Wales.

C. Loss Prevention
You must use all reasonable means to avoid future loss at and after the time of loss.

E. Transfer
The Policyholder or You may not transfer its interest in this insurance to anyone.

F. Cancellation
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

G. Changes
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy and these terms and conditions following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy or these terms and conditions shall be effective except when made by written endorsement signed by Our authorised representative.

H. Subrogation
If We settle any claim or payment or otherwise cover any loss applying under these terms and conditions, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

I. Compliance
The benefits of these insurance coverages are subject always to Your compliance with these terms and conditions.

J. Financial Claims Scheme
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy and these terms and conditions. In the unlikely event that We are unable to meet Our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy or these terms and conditions may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at https://www.fcs.gov.au.

Source: https://www.moneyme.com.au/mastercard-mobile-cover-terms

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Complimentary Mobile Phone Protection Insurance Terms and Conditions
Under a policy of group insurance (the “Group Policy”) which has been issued to the Policyholder by AIG Australia Limited of Level 19, 2 Park Street Sydney NSW 2000 (“AIG”), You (as defined below) are entitled to the insurance coverage detailed in these terms and conditions. Such coverage is however subject to the terms and conditions contained herein.

I. PREAMBLE AND DISCLOSURES

The cover is provided at no additional cost to You and the Policyholder does not receive any commission or remuneration from the Insurer for arranging this cover.

If the Group Policy is terminated any claim arising prior to such date of termination will, subject to the terms of the Group Policy, be covered by the Insurer.

You are able to verify the current status of Your coverage and whether the Group Policy is still current by contacting the Insurer at:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
APAC.Mastercard@aig.com

General Insurance Code of Practice

For more information on the Code please visit www.codeofpractice.com.au.

For more information on the Code Governance Committee please visit www.insurancecode.org.au.

Complaints and Feedback

How to provide feedback

1. Speak to Our Complaints team

Our complaints team can be contacted on 1800 339 669. To get the best out of Your call with Us, please have Your policy and/or claim number available and any specific information about the issue.

2. Provide Your feedback in writing

If You would prefer to provide Your feedback or complaint in writing You can do so by lodging Your complaint on Our website, or by writing to:

The Complaints Team
AIG Australia Limited
Level 13, 717 Bourke Street
Docklands VIC 3008
Email: aucomplaints@aig.com

What happens if You make a complaint?

If You make a complaint, We will record Your complaint and make sure that Your concerns are addressed as quickly as possible and seek to achieve a fair outcome for both parties.

We will assess Your complaint upon receipt. During the complaints process as set out in this notice, We will meet the following requirements in respect of Your complaint.

1. Acknowledge Your complaint within one (1) business day or as soon as practicable.

2. We will tell You who will handle Your complaint and their contact details.

4. We will treat Your complaint respectfully and handle all personal information in accordance with Our Privacy Policy.

5. Within 30 calendar days from the date, We receive Your complaint, We will provide a response to Your complaint.

What You can do if You are not happy with Our response or handling of Your complaint

If You are not satisfied with Our response or the handling of Your complaint, You may wish to have the matter reviewed by Our Internal Dispute Resolution Committee (“Committee”).

A written response setting out the final decision of the Committee and the reasons for this decision will be provided to You.

You can take Your complaint to AFCA at any time, including:

1. if We have been unable to resolve Your complaint within 30 calendar days;

2. ou are dissatisfied with the outcome of Your complaint; or

3. You are dissatisfied with the findings of the Committee.

AFCA provides a fair and independent financial services complaint resolution service that is free to consumers. AFCA can make decisions with which We are obliged to comply.

Under AFCA Rules, Your complaint may be referred back to Us if it has not gone through Our complaints process.

AFCA’s contact details are:

Australian Financial Complaints Authority (AFCA)

GPO Box 3
Melbourne VIC 3001
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)

PRIVACY NOTICE

This notice sets out how the Insurer (“AIG”) collects, uses and discloses personal information about:

1. You, if an individual; and

2. other individuals You provide information about.

Further information about Our Privacy Policy is available at www.aig.com.au or by contacting Us on 1300 030 886 or at australia.privacy.manager@aig.com.

How We Collect Your Personal Information

AIG usually collects personal information from You or Your agents.

AIG may also collect personal information from:

1. Our agents and service providers;

2. other insurers;

3. people who are involved in a claim or assist Us in investigating or processing claims, including third parties claiming under Your policy, witnesses and medical practitioners;

4. third parties who may be arranging insurance cover for a group that You are a part of;

5. providers of marketing lists and industry databases; and

6. publicly available sources.

Why We Collect Your Personal Information
AIG collects information necessary to:

1. underwrite and administer Your insurance cover;

2. improve customer service and products and carry out research and analysis, including data analytics; and

advise You of Our and other products and services that may interest You.

To Whom We Disclose Your Personal Information

In the course of underwriting and administering Your policy We may disclose Your information to:

1. Your or Our agents, entities to which AIG is related, reinsurers, contractors or third-party providers providing services related to the administration of Your policy;

2. banks and financial institutions for policy payments;

3. Your or Our agents, assessors, third-party administrators, emergency providers, retailers, medical providers, travel carriers, in the event of a claim;

4. entities to which AIG is related and third-party providers for data analytics functions;

5. other entities to enable them to offer their products or services to You; and

6. government, law enforcement, dispute resolution, statutory or regulatory bodies, or as required by law.

You may request not to receive direct marketing communications from AIG.

Access to Your Personal Information

Complaints

Our Privacy Policy also contains information about how You may complain about a breach of the applicable privacy principles and how We will deal with such a complaint.

Consent

II. SUMMARY OF COVER

Insurance Cover	Claim Amount and Excess (AUD)
Mobile Phone Protection	Per Occurrence Limit: Up to $900 Annual Aggregate Limit: Up to $1,500 Excess: $37.5

Each insurance benefit limit described in this document is in Australian Dollars (AUD). Payment of claims will be made in Australian Dollars (AUD).

Claim Amount and Excess

The applicable Excess (if any) is also set out in the table above.

III. DEFINITIONS

Terms with a specific meaning are defined below and shall have the same meaning wherever they appear with an initial capital letter:

Accidental Damage means the Mobile Phone no longer performing the function it was intended for due to broken parts or material or structural failures resulting from an unexpected and unintentional external event.

Annual Aggregate Limit means the maximum amount of benefit per Eligible Cardholder under the Mobile Phone Protection Insurance for which the Insurer is liable within a period of twelve (12) consecutive months prior to the date of loss.

Eligible Card means a participating Issuer’s Mastercard credit cards which have been issued to Eligible Cardholders.

Excess means a monetary contribution You are required to pay towards a claim You make.

Group Policy means the contract of insurance between the Insurer and the Policyholder.

Group Policy Period means the period beginning from 2nd February 2026 and until the Group Policy is terminated.

Insurer/We/Us/Our means AIG Australia Limited.

Issuer means a bank or financial institution or like entity that is authorised by Mastercard to operate a Mastercard card program in the Territory and is participating in the insurance offering to Eligible Cardholders.

Lost means You have accidentally misplaced Your Mobile Phone and it is unrecoverable.

Mobile Phone means a telephone device associated with the Eligible Cardholder’s Postpaid or Prepaid plan, that use radio waves over a networked area (cells) and is served through cell sites or base stations at a fixed location, enabling calls to transmit wirelessly over a given range. For the avoidance of doubt, smart watch or tablet is not considered as a Mobile Phone.

Natural Catastrophe means flood, windstorm, lightning, fire, explosion, landslide, volcanic action, earthquake and/or tsunami.

Per Occurrence Limit means the maximum amount of benefit available under the Summary of Cover for any single incident during the Group Policy Period.

Policyholder means Mastercard Asia/Pacific Pte. Ltd. (“MAPPL”).

Postpaid means a mobile telephone subscription where the Eligible Cardholder enters into a contract with a mobile provider with a monthly billing arrangement.

Prepaid means a mobile telephone subscription for which credit is purchased in advance of using the mobile provider’s services.

Territory means the country or region in which Eligible Cards are issued, in this case, Australia.

Theft means the unlawful intentional and dishonest taking of the Mobile Phone belonging to the Eligible Cardholder without their consent, with intent to permanently deprive him/her of such Mobile Phone.

IV. COVERAGE

MOBILE PHONE PROTECTION
The Insurer will pay for loss due to Accidental Damage or Theft up to the Per Occurrence Limit and subject to the Annual Aggregate Limit and Excess per Eligible Cardholder, as set out in the Summary of Cover above if:

For Postpaid, the mobile provider’s monthly billing statement for the billing cycle preceding the month in which the Accidental Damage or Theft occurred is paid using the Eligible Card.
For Prepaid, the Issuer’s monthly billing statement shows a top-up value related to the mobile provider’s services preceding the month in which the Accidental Damage or Theft occurred.

Effective Period of Coverage
Coverage begins on the first day of the calendar month following the payment of your Postpaid monthly mobile telephone bill or Prepaid top-up. Coverage will be valid until the last day of the calendar month following the payment of your Postpaid monthly mobile telephone bill or Prepaid top-up.

Valuation
Acting reasonably, We will decide whether to have the Mobile Phone repaired or replaced. We will be liable only for the lesser of the following amounts:

the cost to repair or replace the Mobile Phone after the Excess has first been applied to the cost to repair or replace the Mobile Phone;
the Per Occurrence Limit; or
the remaining amount of the Annual Aggregate Limit.

Scope of Insurance Coverage
Our maximum liability for this coverage will not exceed the Annual Aggregate Limit per Eligible Card per twelve-month period, subject to the terms, conditions, exclusions, and limits of liability of the Group Policy and this document as well as the Excess stated in the Summary of Cover above. Coverage is excess of any other applicable insurance or indemnity the Eligible Cardholder may have.

Individual Termination Date
An Eligible Cardholder’s coverage under this agreement shall terminate on the earliest of:

the date the Eligible Cardholder no longer qualifies as an Eligible Cardholder;
the date the Eligible Card is determined to be ineligible by the Issuer;
the date the Issuer ceases to participate in the Group Policy; or
the date the Group Policy is terminated.

Coverage shall not be provided for any Theft or Accidental Damage after the individual termination date as determined above.

Suspension of Coverage
Coverage will be suspended on the first day of the following calendar month following the month during which an Eligible Cardholder fails to make a mobile telephone Postpaid bill payment or Prepaid Top-up using the Eligible Card while coverage is in effect in the previous month.

Resumption of Coverage
If coverage is suspended in accordance with the above, coverage will resume after a 15-day waiting period following the date of any future mobile telephone Postpaid bill payment or Prepaid Top-up payment using an Eligible Card.

V. EXCLUSIONS

No coverage will be provided for any of the following:

Mobile Phone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
Mobile Phones that are Lost.
Any loss that does not occur within the Group Policy Period.
Losses caused by the process of cleaning, servicing, maintaining, adjusting, or You repairing the Mobile Phone.
Mobile Phone purchased for resale or for professional or commercial use.
Mobile Phones under the care and control of a common carrier, including, but not limited to, the postal service, airplanes or delivery service.
Mobile Phones stolen from baggage unless hand-carried and under the Eligible Cardholder’s supervision or under the supervision of the Eligible Cardholder’s traveling companion who is previously known to the Eligible Cardholder.
Accidental Damage or Theft resulting from Your abuse, omission or negligence or the abuse, omission or negligence of anyone acting on Your behalf, including but not limited to leaving Your Mobile Phone unattended in any place or motor vehicle where it is, or was, plainly visible.
Cosmetic damage such as a dent or scratch to the Mobile Phone or Accidental Damage that does not impact the Mobile Phone’s ability to make or receive phone calls.
Accidental Damage or Mobile Phone Theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, Natural Catastrophe, radioactive contamination, or damage from inherent product defects or vermin.
Losses resulting from a failure of Mobile Phone due to a defect in materials and/or workmanship and/ or design, including but not limited to inherent product defects, software, or data failure.
Accidental Damage or Theft resulting from mis-delivery or theft by fraud or deceit.
Replacement Mobile Phone purchased from other than a mobile provider’s authorised retail or internet store.
Taxes, delivery or transportation charges or any fees associated with the service provided.
Losses resulting from information or data loss, sent from, or received, on a Mobile Phone following Accidental Damage or Theft.
Loss resulting from war, civil war, invasion, insurrection, revolution, use of or threatened use of military power or usurpation of government or military power.
Loss resulting from any terrorist act, or the intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act.
Losses due to, or related to, a nuclear, biological or chemical event(s).
Losses due to the order of any government, public authority, or customs official.

VI. DUTIES AFTER A LOSS

You are required to reasonably cooperate with Us in investigating, evaluating and settling a claim. In the event of any loss which may be covered under these coverages, You must contact Us within as soon as reasonably practicable after the discovery of such loss. To file a claim, You may log on to https://au.mycardbenefits.com or send a notification to Us to obtain a claim form and instructions on what to do after a loss.

Our contact details are set out below:

AIG Australia Limited
Level 19, 2 Park Street
Sydney, NSW 2000
Australia
Tel: +61395224111
Customer Service Timing: 8:30AM to 5:30PM,
Monday to Friday
Email: APAC.Mastercard@aig.com

The Eligible Cardholder must as soon as reasonably practicable:

complete, sign and return the claim form to Us* together with:
a. the Eligible Cardholder’s card statement reflecting the monthly mobile telephone payment of the Prepaid amount for the month preceding the date the Mobile Phone was subject to Theft or Accidental Damage;
b. if Postpaid, a copy of the Eligible Cardholder’s current mobile provider’s billing statement;
c. if available, a copy of the original Mobile Phone purchase receipt or other sufficient proof of the Mobile Phone model currently linked to the Eligible Cardholder’s mobile telephone account;
d. if there is existing insurance from the mobile operator, a copy of the insurance claim to the Eligible Cardholder’s mobile telephone insurance, or in the event that the claim amount is less than the Eligible Cardholder’s deductible, a copy of the policy’s declarations page;
e. for Accidental Damage claims, a copy of the repair memo, repair estimate and/or service report from an authorised repairer and photographs of the Accidental Damage may be requested;
f. for Theft claims, an official copies of the police report as soon as reasonably practicable; and
g. Any other relevant documents We may reasonably ask You to provide.

*Cardholders may be required to send in the damaged item(s), at their expense, for further evaluation of the claim. We will advise You as soon as reasonably practicable if this is required and We will also advise You as to the form conditions and requirements of delivery.

VII. LIMITS OF LIABILITY

Per Occurrence: Our liability for any one incident shall not exceed the limit stated in the section headed “Claim Amount and Excess” under Section II-Summary of Cover.

VIII. GENERAL OBLIGATIONS FOLLOWING A LOSS

In the event of an occurrence that may lead to a claim or loss under the coverages set out above, You must:

take all reasonably practicable measures to prevent and avoid further loss or damage;
complete, sign and return the claims form within a reasonable time period together with copies of all reasonable proof of your loss and other relevant documents such as relevant receipts, documents, letters, credit card statements together with accompanying documents and such details and written proof as may reasonably be required by Us;
disclose to Us details of any other insurance cover under which You are entitled to claim;
upon notifying Us of the claim You cannot make any admissions, offers, promises or payment, or conduct any negotiations, without Our prior written consent;
where reasonably necessary, grant authorisation for Us to obtain Your records and other information, such as credit reports (if applicable);
provide Your financial reports, including, but not limited to bank statements, as reasonably necessary to assess your claim;
reasonably co-operate with Us in investigating, evaluating and settling a claim; and
if the loss involved theft report of the theft to the police as soon as reasonably practicable.

IX. GENERAL CONDITIONS

B. Governing Law
The Group Policy and this coverage terms shall be governed by the laws of the state of New South Wales.

C. Loss Prevention
You must use all reasonable means to avoid future loss at and after the time of loss.

E. Transfer
The Policyholder or You may not transfer its interest in this insurance to anyone.

F. Cancellation
Subject to the obligations specified under Section I above, the Policyholder can cancel the Group Policy at any time by providing 15 days written notice to Us.

G. Changes
The Policyholder must notify Us as soon as reasonably practicable of any change in circumstance which will affect the Group Policy. If the Policyholder advises Us of any change in circumstance that will affect the Group Policy, We reserve the right to amend any of the terms and conditions of the Group Policy following at least 15 days’ notice to You or the Policyholder by Us. No change or modification of the Group Policy shall be effective except when made by written endorsement signed by Our authorised representative.

H. Subrogation
If We settle any claim or payment or otherwise cover any loss applying under the Group Policy, We shall be subrogated to all Your rights of recovery against any other person or persons and You shall complete, sign and deliver any documents necessary to secure such rights. You shall not take any action following a loss to prejudice such rights of subrogation.

I. Compliance
The benefits of the Group Policy are subject always to Your compliance with the terms and conditions to each Group Policy section and these coverage terms.

J. Financial Claims Scheme
The protection provided under the Federal Government’s Financial Claims Scheme (“Scheme”) applies to the Group Policy. In the unlikely event that we are unable to meet our obligations under the insurance, persons entitled to make a claim under the insurance cover under the Group Policy may be entitled to payment under the Scheme (access to the Scheme is subject to eligibility criteria). Information about the Scheme can be obtained from the APRA website at https://www.fcs.gov.au.

Snapshot record

Snapshot ID: 1271
Cleaning version: 4
Review completed: Not yet reviewed
SHA-256: 30c795f1ffa8120b74679521d68123efc7493658a1908850f9d0b9d0489300f1