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Popular Credit Cards in India with Trip Cancellation & Trip Interruption Cover

13 June, 2025

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In today's world, travel has become an integral part of our lives, whether for business or leisure. With the increased frequency of travel, having a safety net in the form of insurance is the wise choice. While traditional travel insurance can provide comprehensive coverage, many individuals overlook credit card benefits. Certain credit cards in India come with built-in trip cancellation and trip interruption cover, which can offer significant peace of mind during your travels.

Here are some of the most popular credit cards that offer these benefits:

1. HDFC Bank Regalia Credit Card

The HDFC Bank Regalia Credit Card is renowned for its travel benefits, including trip cancellation and interruption cover. Cardholders can enjoy up to ₹10 lakh coverage for trip cancellations due to unforeseen circumstances like illness, natural disasters, or personal emergencies. Additionally, this card offers complimentary travel insurance, making it a preferred choice for frequent travellers.

2. ICICI Bank Sapphiro Credit Card

The ICICI Bank Sapphiro Credit Card's extensive travel insurance features stand out. It provides trip cancellation cover of up to ₹1 crore and trip interruption cover of ₹1 lakh. This credit card is particularly advantageous for those who travel abroad frequently, as it includes coverage for emergency medical expenses and baggage loss. With its exclusive privileges, it’s a top choice among discerning travellers.

3. Axis Bank Privilege Credit Card

Axis Bank’s Privilege Credit Card offers a robust suite of travel benefits, including trip cancellation and interruption cover. Cardholders are entitled to a coverage of up to ₹2 lakh for trip cancellations. Furthermore, the card provides travel assistance services, ensuring that help is just a call away if things don’t go as planned. The combination of features and coverage makes this card a valuable asset for avid travellers.

4. SBI Card Elite

The SBI Card Elite is another excellent option for those seeking credit cards with insurance benefits. This card offers trip cancellation and interruption cover, providing financial protection against unexpected events that may disrupt travel plans. With a substantial credit limit and various lifestyle benefits, it caters to its users' travel and lifestyle needs.

5. Citi PremierMiles Credit Card

For those who enjoy frequent travel, the Citi PremierMiles Credit Card is a great pick. This card not only earns miles on every purchase but also offers trip cancellation and interruption coverage. With a focus on travel benefits, this card allows users to redeem miles for flights, hotel bookings, and much more while ensuring they are covered in unforeseen travel interruptions.

6. IndusInd Bank Platinum Credit Card

The IndusInd Bank Platinum Credit Card provides extensive travel insurance features, including trip cancellation and interruption coverage. This card is designed for frequent travellers and offers significant coverage for cancellations due to emergencies or unforeseen circumstances. Additionally, it provides access to travel lounges and other premium services that enhance the travel experience.

While credit cards with insurance benefits provide valuable protection, it’s essential to understand the broader importance of travel insurance. Travel insurance is a financial safety net, covering unexpected events before or during a trip. Whether it’s a sudden illness, trip cancellations due to natural disasters, or lost luggage, having travel insurance ensures you won’t be burdened with exorbitant costs.

Moreover, travel insurance typically covers a range of scenarios that credit card insurance for travel may not fully encompass. For instance, standalone travel insurance policies often include personal liability, legal fees, and specific medical emergencies. Thus, even with credit cards with travel insurance features, it's important to consider supplemental travel insurance for comprehensive coverage.

Wrapping Up

Credit cards with trip cancellation and interruption cover are an excellent choice for frequent travellers, providing a convenient and often cost-effective way to secure travel insurance. However, assessing individual needs and considering dedicated travel insurance policies should still be one of your options for optimal protection. By being well-informed and prepared, you can ensure that your journeys are enjoyable and secure against unforeseen challenges. Niva Bupa’s travel insurance plans provide peace of mind wherever your journey takes you. From lost baggage to medical emergencies, our comprehensive coverage ensures that you are protected against a wide range of risks. The convenience of cashless claims and tailored plans for different destinations makes Niva Bupa a trusted partner for stress-free travel. So, before your next trip, consider the extensive protection offered by travel insurance for a worry-free travel experience.

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