Synopsis: Sometimes during our travels, we may face unforeseen problems. This article lists the best credit cards with travel insurance that cover most of the unexpected losses that can occur while traveling.
Travel mishaps are more common than we’d like to admit. While many travelers purchase separate insurance, you might already have a safety net in your wallet. Some premium travel credit cards offer a layer of protections that sometimes exceed when compared to standalone insurance benefits. Here are five credit cards that provide the best protection for your health and your gear while you’re abroad.
HDFC Regalia Gold Credit Card
- Joining Fees: ₹2,500 + taxes
- Annual Fees: ₹2,500 + taxes (Waived on spending ₹4 Lakhs in a year).
What is covered?
- Air accident death cover up to ₹1 Crore.
- Emergency overseas hospitalization up to ₹15 Lakhs.
- Credit liability cover up to ₹9 Lakhs.
RBL Bank World Safari Credit Card
- Joining Fees: ₹3,000 + taxes
- Annual Fees: ₹3,000 + taxes
What is covered?
- Overseas emergency medical expenses (In-patient only) up to ₹44 Lakhs.
- Loss of checked-in baggage up to ₹18,000.
- Trip delay over 12 hours up to approx. ₹22,000
- Lost Passport coverage up to ₹27,000 for replacement expenses.
Axis Bank Privilege Credit Card
- Joining Fees: ₹1,500 + taxes
- Annual Fees: ₹1,500 + taxes (Waived on spending ₹2.5 Lakhs annually).
What is covered?
- Air accident death cover up to ₹1 Crore.
- Up to ₹2 Lakhs for trip cancellations.
- Loss of baggage up to ₹44,000 approx.; and delay up to ₹25,000.
- Purchase protection up to ₹1 Lakh.
IndusInd Bank Platinum Aura Edge Visa/Master Credit Card
- Joining Fees: NIL
- Annual Fees: NIL
What is covered?
- Missed connection up to ₹25,000
- Loss of passport up to ₹50,000
- Loss of baggage up to ₹1 Lakh
- Loss of Ticket up to ₹25,000
- Delay of baggage up to ₹25,000.
HSBC TravelOne Credit Card
- Joining Fees: ₹4,999 + taxes
- Annual Fees: ₹4,999 + taxes (waived on a spend of ₹8 Lakhs per annum).
What is covered?
- Loss of Baggage International up to ₹50,000
- Delay of checked in Baggage International up to ₹30,000
- Missed international connecting flight up to ₹50,000
- Loss of Passport or travel documents (International) ₹10,000
- Delay in International flight up to ₹50,000
The above mentioned credit cards are best suited for those who want travel coverage but are strictly under budget of ₹5,000 and below. The annual fees and joining fees on these are manageable and provide a sufficient amount of travel insurance.
Also Read: 6 Best Credit Cards That Offer Zero Forex Markup Fees for Foreign Travels (2026)
However, if you want to really invest in your travel and don ‘t want to risk any of your trip be it domestic or international then these cards below are for you. They come with a little higher fees than usual but provide exceptional coverage.
ICICI Bank Emerald Credit Card
- Joining Fees: ₹12,000 + taxes
- Annual Fees: ₹12,000 + taxes (Waived on spending ₹10 Lakhs annually)
What is covered?
- Air accident cover up to ₹1.4 lakhs
- Lost checked-in baggage up to ₹84,000
- Baggage insurance up to ₹1 lakh.
- Delay in checked in baggage ₹50,000
- Missed connecting international flight ₹35,000
- Loss of passport up to ₹50,000.
- Delay in Flight up to ₹21,000
- Medical Expenses for Bodily injury caused by Rail/Road accident ₹21,000
IDFC Mayura Metal Credit Card
- Joining Fees: ₹5,999 + taxes
- Annual Fees: ₹5,999 + taxes
What is covered?
- Air accident cover up to ₹1 Crore
- Personal accident up to ₹10 Lakhs.
- Lost checked-in baggage up to USD 500 ($500 approx.)
- Delay up to USD 100.
- Flight delay up to USD 300
- Lost passport/documents up to USD 300
- Trip cancellation up to ₹50,000 (2 claims/year).
Final Words
While the travel accident and airport loss and delay are inevitable, these cards provide the cardholder some respite with the insurance coverage. These cards also provide additional benefits like free airport lounge access and trip cancellations. It is best for you to rule out your absolute need and apply for the one which best suits your spending habits as well as benefits requirements.
Written by Kenbi Riba
