Your credit card is quietly insuring the things you buy.
Most premium Indian cards include purchase protection, lounge access and more - benefits almost nobody claims because nobody knows they exist. Compare 24 cards below, with real claim processes and documents.
Best cards for purchase protection
Ranked by maximum claim amount, then by how long you're covered after purchase - against theft, accidental damage and more.
American Express Platinum Charge Card
American Express · fee ₹66,000
90 days purchase cover
Claims up to ₹10,00,000
Axis Bank Reserve
Axis Bank · fee ₹50,000
90 days purchase cover
Claims up to ₹10,00,000
Yes Bank Marquee
Yes Bank · fee ₹9,999
90 days purchase cover
Claims up to ₹5,00,000
Axis Bank Magnus
Axis Bank · fee ₹12,500
90 days purchase cover
Claims up to ₹2,00,000
ICICI Bank Sapphiro
ICICI Bank · fee ₹6,500
90 days purchase cover
Claims up to ₹2,00,000
ICICI Bank Emeralde Private Metal
ICICI Bank · fee ₹12,499
90 days purchase cover
Claims up to ₹1,40,000
| Card | Annual fee | Purchase protection | Lounge access |
|---|---|---|---|
| HDFC Bank Infinia Metal Edition HDFC Bank | ₹12,500 | No | Yes |
| American Express Platinum Charge Card American Express | ₹66,000 | 90 days | Yes |
| ICICI Bank Emeralde Private Metal ICICI Bank | ₹12,499 | 90 days | Yes |
| SBI Card ELITE SBI Card | ₹4,999 | No | Yes |
| Axis Bank Magnus Axis Bank | ₹12,500 | 90 days | Yes |
| Axis Bank Reserve Axis Bank | ₹50,000 | 90 days | Yes |
| Yes Bank Marquee Yes Bank | ₹9,999 | 90 days | Yes |
| IndusInd Bank Pinnacle IndusInd Bank | ₹0 | No | Yes |
| Card | Annual fee | Purchase protection | Lounge access |
|---|---|---|---|
| HDFC Bank Regalia Gold HDFC Bank | ₹2,500 | No | Yes |
| ICICI Bank Sapphiro ICICI Bank | ₹6,500 | 90 days | Yes |
| SBI Card PRIME SBI Card | ₹2,999 | No | Yes |
| HSBC Premier World Elite HSBC | ₹20,000 | No | Yes |
| RBL Bank Icon RBL Bank | ₹3,000 | No | Yes |
| IDFC FIRST Wealth IDFC First Bank | ₹0 | No | Yes |
| Card | Annual fee | Purchase protection | Lounge access |
|---|---|---|---|
| HDFC Bank Millennia HDFC Bank | ₹1,000 | No | Yes |
| ICICI Bank Amazon Pay ICICI Bank | ₹0 | No | Yes |
| SBI Card SimplyCLICK SBI Card | ₹999 | No | No |
| Axis Bank Flipkart Axis Bank | ₹500 | No | No |
| AU Bank LIT AU Bank | ₹0 | No | Yes |
| Federal Bank Signet Federal Bank | ₹0 | No | Yes |
| Bank of Baroda Premier Bank of Baroda | ₹999 | No | Yes |
| Canara Bank Exclusive Canara Bank | ₹500 | No | No |
| PNB Rupaya Platinum Punjab National Bank | ₹500 | No | No |
| OneCard Metal OneCard (IDFC First Bank) | ₹0 | No | No |
Turn card benefits into real claims
Your credit card's extended warranty and purchase protection only pay out if you can prove the purchase. Scan the receipt once, and Keevora's AI warranty tracker keeps every card benefit, invoice, and manufacturer warranty in one place.
- Scan a receipt with the AI receipt & invoice scanner
Extract product, price, serial, and warranty period from any photo or PDF in seconds.
- Credit card purchase protection in India - full guide
How theft & damage cover works on Indian credit cards, per-item caps, and claim timelines.
- India extended warranty market 2026 - buyer guide
When a paid extended warranty actually beats free credit-card cover, category by category.
- Is an extended warranty worth it in India?
The 6-question test before you pay for extra coverage on phones, laptops, TVs and appliances.
Stop leaving these benefits unclaimed.
Add your cards once and Keevora automatically matches every product you buy against the coverage you already pay for - then walks you through the claim when something breaks.
Benefit details are compiled from public terms & conditions and network benefit guides and refreshed by a daily verification job. Benefits change - always confirm with the issuing bank before relying on a specific cover. This page is informational, not financial advice.