Best travel insurance credit cards in 2025

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Travel insurance is a saviour when your holiday doesn't work out as you had hoped. Flight cancellations, illness, or missing bags can turn your dream holiday into a logistical nightmare. Thankfully, most credit cards come with built-in travel insurance benefits that can protect you against financial loss when you are away. Here's a look at five credit cards in 2025 that stand out for their comprehensive travel insurance features.

HDFC Infinia Credit Card

HDFC Infinia is one of India's highest-end credit cards, and the travel insurance cover is on par with that. Card members enjoy free overseas medical cover of $50,000 for foreign travel. It offers protection against lost baggage, flight delays, and missed flights. The card's high annual fee is compensated for by lounge facilities, hotel membership, and wide-ranging insurance coverage.

Why it stands out: Ideal for international frequent travellers who want luxury along with security.

Axis Bank Magnus Credit Card

The Axis Magnus card offers international travel insurance benefits such as individual air accident insurance of up to ₹1 crore and medical emergency help. It also offers lost baggage and passport protection. For domestic travel, it offers protection against flight delay and missed flight.

Why it stands out: Ideal for business travellers, with concierge amenities and global travel insurance.

SBI Card ELITE

SBI ELITE provides a complimentary air accident insurance cover of ₹1 crore and travel insurance benefits that include loss of checked-in baggage, loss of passport, and delay in baggage. It also provides fraud liability cover and international airport lounge access via the Priority Pass program.

Why it stands out: Strong domestic and international coverage at a reasonable annual fee.

ICICI Bank Emeralde Credit Card

ICICI Emeralde offers international travel insurance with medical coverage up to ₹15 lakh, air accident cover, and travel inconvenience protection. The card also gives unlimited domestic airport lounge access and emergency travel assistance through ICICI’s global concierge.

Why it stands out: Equilibrium card for medical care and in-trip interruptions, with no predetermined spending limit.

American Express Platinum Travel Credit Card

It lacks full medical insurance but includes travel accident coverage, lost luggage assistance, and an international assistance hot line. It's more suited for domestic travel or for those in search of carefully selected travel deals and hotel incentives rather than complete protection.

Why it stands out: Ideal for vacation travellers in need of concierge service, deals, and low but frequent insurance benefits.

If you're a travel enthusiast, paying for a card with built-in travel insurance might be a cost-effective option as opposed to getting individual protection every time you plan a trip. Before you resort to your card alone, check that you know the policy exceptions and limitations. For 2025, HDFC Infinia and Axis Magnus are most preferred, but the best card will ultimately come down to how often you go on trips and how much coverage you need.