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Military Rewards

Military Rewards Account


The perfect everyday spending companion, the Military Rewards Account features 1% cash back (with a $25 monthly cap) on Visa payWave purchases under $100 and our cents gifting program.

1% cash back on

Visa payWave purchases ($25 cap per month)

$0

transaction fees (within Australia)

Support for the

Defence community

Overview


The Military Rewards Account is designed to reward you and the Defence community as you spend. It features:
 

  • 1% cash back on Visa payWave purchases under $100 when you deposit at least $2,000 each month^ (capped at $25 per month)
  • Cents gifting program to your choice of Defence charity
  • No annual fee on the Visa Debit Card
  • No monthly service fee
  • Add your Visa card to your preferred digital wallet from Apple Pay, Google Pay, Samsung Pay, and Garmin Pay^^
  • Access to fast and simple payments with PayID
  • Visa Debit Card access including your choice of card design

RSL Defence Care Legacy Mates 4 MatesSoldierOn

Apply for a Military Rewards Account online, over the phone on 
1300 13 23 28 or by visiting your nearest branch.
Apply Online
Calculate

Rates & Fees


Here’s a summary of the rates and fees for the Military Rewards Account:


Interest Rates:

  • Interest rate: 0.01% p.a.
  • Interest is calculated daily and paid monthly

Additional fees may be payable. For more information please see our Fees and Charges Schedule.

Download our Fees and Charges Schedule

Apply Online
Calculate

Questions


Here are the top 6 questions we get asked about our Military Rewards Account. Can’t see your question? Read the full set of FAQs here. 

When does the cash back amount appear in my account?
Cash back on Visa payWave transactions will be credited on a monthly basis and are paid in arrears. This means, you'll receive cash back at the beginning of the month (eg February) for any eligible transactions incurred during the previous calendar month (eg January).

What kinds of transactions are eligible for the 1% cash back*?  
You will receive 1% cash back* on all Visa payWave purchases under $100 (such as groceries, petrol, clothing, entertainment and transport) when you deposit $2,000* or more per month from an external source, into your Military Rewards Account.

How does the cents gifting program work? 
Each month, Australian Military Bank will transfer your ‘spare change’ (i.e. the cents on your account balance up to 0.99c) to a Defence related charity selected by you. Australian Military Bank will then match, dollar-for-dollar, the money donated each month and contribute this directly to the specified charities. 

What charities can a member choose from?  
You can choose to donate their ‘spare change’ to one of the following organisations: 

  • Mates for Mates 
  • Legacy 
  • Soldier On 
  • RSL LifeCare 

Alternatively, you can donate your ‘spare change’ equally across all four worthy organisations 

 

*(effective 1 May 2017)

Apply Online
Calculate

Features
Monthly Service Fees
Visa Debit Card Access
Direct Debit and Credit Facility
Choose your debit card design
Cheque Facility
Interest Rate
Internet and Mobile Banking
ATM and EFTPOS
Bank @ Post
Branch Banking
Interest Calculated
Interest Paid

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Travel Insurance

Travel Insurance


Need travel insurance for your next trip? Cover-More Travel Insurance offers a range of insurance options. In partnering with CGU Insurance, we can help you access Cover-More Travel Insurance.

Range of

options

24/7 worldwide

emergency hotline

Claim

online

Choose Your Cover

 

International Cover 

 

Going overseas?  

Travel more and worry less, knowing your travel insurance is sorted if things go wrong while you're away. 

Cover-More’s International Travel Insurance plans give you a choice of cover options which can provide cover for overseas emergency medical expenses, personal liability, luggage and travel documents, cancellation costs and more. 

 

Domestic Cover 

 

Need a little extra protection for your Australian holiday?  

Cover-More offer Domestic Comprehensive and Domestic Cancellation plans, if you’re an Australian resident travelling within Australia. Domestic travel insurance can help if something unexpected happens and you need to rearrange or cancel your trip (like if you get sick while you're away). 

When you choose Domestic Comprehensive cover, your policy will include cover for: 

  • Luggage and travel documents 
  • Rental car insurance excess 
  • Travel delays 
  • Additional travel and accommodation expenses. 

This cover has limits, sub-limits and exclusions, so read the Product Disclosure Statement (PDS) for full details of what’s covered.  

 

Single or multi-trip options 

 

Annual multi-trip 

Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip. 

  • Gives you year round cover to destinations that are over 250 km from your home. 
  • Gives you year round cover to destinations that are less than 250km from home, if your trip includes at least one night of paid accommodation (like in a hotel or Airbnb). 
  • The option to select your preferred trip duration and the flexibility to take an unlimited number of trips within your annual policy period. You can choose 30, 45 or 60 days on the International Comprehensive Plan, or 15 or 30 days on the Domestic Comprehensive Plan. 

Single trip   

A Single Trip policy gives you insurance cover for one journey. If you don’t need cover for multiple trips in a year, consider if a Single Trip policy suits your travel needs.  

 

COVID-19 Cover 

 

If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs.  

Common scenarios for COVID-19 cover will be automatically included when taking out travel insurance with Cover-More. The level of benefits included will depend on the coverage and the type of policy you decide to purchase. COVID-19 benefits may include:  

  • COVID-19 cover for overseas medical costs1  
  • COVID-19 cover for cancellation and amendments2  
  • Cover for additional COVID-19 expenses3 

 

To speak to us about an existing policy 

 

Call 1300 889 137 

Email CGU_travelinsurance@covermore.com 

 

IMPORTANT DOCUMENTS 

 

Product Disclosure Statement (PDS) and Financial Services Guide (FSG) 

Target Market Determination 

CGU Insurance’s FSG 

Australian Military Bank’s FSG 

Limits, sub-limits, conditions and exclusions apply. Any advice provided is general only and does not consider your needs or financial situation. To see if the product is right for you, always consider the Product Disclosure Statement and Target Market Determination. 

Get a Quote
Download a PDS

Need Help?

 

To speak to us about an existing policy 

 

Call 1300 889 137 

Email CGU_travelinsurance@covermore.com 

 

Emergency assistance 

 

If you need urgent help, you can call Cover-More 24/7 

From Australia 

1300 889 137 

Depending on your needs, Cover-More can help if: 

  • You need to find a medical facility and/or a doctor who speaks English 
  • You need to pay medical bills (if your claim is approved) 
  • You’ve lost your passports, travel documents or credit cards 
  • You need legal help or help getting home 

Calling from overseas 

Cover-More also have numbers you can call from outside Australia. If you're in: 

  • New Zealand, call 0800 600 702 
  • The United Kingdom, call 0800 001 5068 
  • USA 833 462 8181 
  • Canada 1833 511 9289 
  • Any other country, call (02) 8907 5221 

When you call, have your Cover-More Travel Insurance policy number handy and a phone number Cover-More can call you back on.

Get a Quote
Download a PDS

Claims

 

It's simple and easy to make a claim. Call Cover-More to get started. 

From Australia: 1300 889 137 

From overseas: (02) 8907 5221 

Or lodge a claim online  

  

Claim Online 

 

Claim online now through Cover-More’s easy, 5-step process: 

  1. Describe the incident 
  2. Enter your expenses or losses 
  3. Upload any supporting documents 
  4. Provide your bank details 
  5. Review and finalise your claim 

You can save and return to an incomplete claim for up to 28 days.    

Once you've lodged your claim, Cover-More will update you on how it's progressing within 10 working days. 

 

Follow up an existing claim. 

 

Log in  

Cover-More understand that as a result of your incident, you might already be out of pocket. That's why Cover-More try to process claims as quickly as possible. 

You'll hear from Cover-More within 10 working days from the time they receive your claim. 

To check your claim's progress, log into Cover-More’s online claims centre or contact them for more details. 

Get a Quote
Download a PDS

Features
24/7 claims
Quote online
Multi policy discount
No claim bonus discount

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Motorcycle Insurance

Motorcycle Insurance

 

Whether you’re a motorcycle enthusiast, commuter or a weekend rider, with Motorcycle Insurance from Australian Military Bank you can relax knowing that your motorcycle is covered should the worst happen. 

Simple

Claims

Affordable

premiums

Range

of options

Overview

Comprehensive

  • Protects your own motorcycle plus for accidents you or others cause
  • Protects any damage you cause to other vehicles and property
  • Cover for theft, storms and other unforeseen events.

Third Party Property Damage

  • Cover for damage you cause to other vehicles or property
  • Not covered for damage to your own motorcycle
  • Cover for your motorcycle up to $5,000 for damage caused by an uninsured motorist.

Third Party Fire and Theft

  • Cover for damage you cause to other vehicles or property
  • Protection against theft or the burning of your vehicle
  • Not covered for damage to your own motorcycle
  • Cover for your motorcycle up to $5,000 for damage caused by an uninsured motorist.
Download a PDS
Get a quote

Compare

 

Features Comprehensive Third Party Fire & Theft Third Party Property Damage
Australia-wide Cover yes yes yes
Cover for fire, explosion and theft yes yes N/A
Accidental damage including collision yes N/A N/A
Cover for flood and storm damage yes N/A N/A
No Claim Bonus protection (automatic after 2 claim free years on a Rating 1 with us) yes N/A N/A
Replacing your Motorcycle after a total loss Up to 1 year old N/A N/A
Helmets and protective clothing Up to $250 N/A N/A
Emergency repairs after an incident Up to $500 N/A N/A
Recoding of locks and barrels after theft of keys Up to $1000 Up to $1000 N/A
Choice of repairer yes yes yes
Uninsured motorist damage (not at-fault collision with an uninsured motorist) No limit Up to $5000 Up to $5000
Hire vehicle after theft or attempted theft Up to 14 days Up to 14 days N/A
$30 million liability cover yes yes yes


This table is a summary of highlighted features and benefits only.
Please refer to the CGU Motorcycle Insurance Product Disclosure Statement (PDS) and Policy for full terms and conditions.

Download a PDS
Get a quote

Questions

Here are our most common questions about our Motorcycle Insurance policies. Have a different question? Call us on 1300 13 23 28 to speak to a consultant.


Will I have to pay an excess if the accident was not my fault?
If it’s agreed that the accident was not your fault and we are provided with all the relevant documentation, you won’t be liable to pay an excess. Refer to the PDS for more information.


How can I make a claim?
Making a claim is simple and easy. Call us on call 132294.


Is my motorcycle covered everywhere in Australia?
Yes, with Motorcycle Insurance you’ll be covered regardless of your location, wherever you are in Australia.


How do I update the details on my policy?
To update the details on your policy, simply call us on 132294.

Download a PDS
Get a quote

Features
24/7 claims
Quote online
Multi policy discount
No claim bonus discount

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Mobile Banking App

Contact Us
FAQs

DIY Super Saver Account

DIY Super Saver Account

 

Our DIY Super Saver Account is a cash account specifically designed for self-managed super funds. Offering you greater control over how you invest your superannuation funds, the DIY Super Saver Account is simple to open and easy to operate. You can leave your funds in the account to earn a high interest rate, or move money between your choice of investments.

Earn high

interest

Self-managed

superannuation

Optional extras

available

Overview

 

Main features of the DIY Super Saver Account are:
 

  • Earn high interest specifically designed for self-managed superannuation funds
  • Interest that’s calculated daily and paid monthly
  • Optional extras – Term Deposits
  • Access to your money via online banking or in branch
To open a DIY Super Saver Account, enquire securely online, call us on
1300 13 23 28, or visit us in person at your nearest branch.
Make an appointment with our Specialist
Enquire Online

Rates & Fees

 

Here are the rates and fees for the DIY Super Saver Account:
 

  • Variable interest rate: 3.75% p.a.
  • Interest calculated daily and paid monthly
  • No monthly account keeping fees


Download our Fees and Charges Schedule
 

Make an appointment with our Specialist
Enquire Online

Questions

 

Take a look at our most frequently asked questions about our DIY Super Saver Account. Or, call us on 1300 13 23 28 to speak to a consultant if you have a different question.


Is there a minimum balance needed to open a DIY Super Saver Account and keep it active?
No, there’s no minimum deposit required to open your DIY Super Saver Account and keep it active.


Can anybody open a DIY Super Saver Account?
Only self-managed super funds can open a DIY Super Saver Account. To find out more about self-managed super funds visit the ATO.


How do I open a DIY Super Saver Account?
You can open a DIY Super Saver Account online, in branch or over the phone.

Make an appointment with our Specialist
Enquire Online

Features
Maximum interest rate1
Online Access
Covered by the Financial Claims Scheme
Investment options

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"Thank you for your amazing support and for helping to make a difference to our student's education. I'm really pleased that Jason and I got our home loan from Australian Military Bank all those years ago!"
Melanie, SA
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