A proposed ban on card surcharges could disrupt a widely used travel perk in Australia: free travel insurance bundled with some credit cards. Multiple outlets report that a substantial share of travellers—about two in five—use credit cards that include free travel insurance when they travel. Travel agents warn that the surcharge prohibition could affect how travel businesses accept payment and handle the transactions that fund or enable these insurance benefits. The concern is that if surcharges are no longer allowed, some arrangements linked to card payments may become less viable, potentially reducing travel insurance coverage offered as part of credit card packages. The reports frame the issue as a risk to an established customer benefit rather than a change already implemented. While the sources focus on the travel industry’s objections and the potential impact on insurance perks, they describe the policy as a proposal, with outcomes depending on how rules are finalised and enforced.