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All of us must have experienced a car failure in the middle of our drive at least once in our lives. It is normal to panic if your car gets a punctured tyre, its fuel runs out, or stops because of any other issue. Most of the time, people need help to take the right steps and turn it into a bigger problem. Your credit card could come to your help in these situations if it offers you complimentary roadside assistance.

You might have a credit card for its offers and other privileges, but many credit cards offer roadside assistance that will help you a lot during impromptu car failures. The card issuers provide this facility as part of the credit card benefits, and it is certainly a great feature.

Complimentary Roadside Assistance

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Best Credit Cards for Complimentary Roadside Assistance

In this article, we will discuss some of the best credit cards available in the Indian market that provide complimentary roadside assistance to cardholders. IDFC First Bank has multiple credit cards with roadside assistance similar to IndusInd credit cards. You will even find some options by ICICI Bank, American Express, IndusInd Bank, and more.

Let’s take a look at some of the best credit cards offering roadside assistance in case a cardholder’s car breaks down in the middle of driving and requires assistance to repair it and drive it safely.

IDFC FIRST Millennia Credit Card

(4.7/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation

The Millennia is an entry-level offering by IDFC Bank with a nice reward program that gives you up to 10x reward points on both offline as well as online spends. Other than its various privileges and benefits, you even get complimentary roadside assistance worth Rs. 1399, 4 times per year, for help if your vehicle breaks down.

  • No annual fee and never-expiring reward points.
  • Up to 10x reward points on payments above Rs. 20,000 and all birthday spends.
  • Up to 3x reward points on offline and 6x reward points on online spends.
  • Low interest rates and 1% fuel surcharge waiver.
  • Complimentary railway lounge access.
  • Complimentary roadside assistance 4 times per year, worth Rs. 1399
First-power

(4.6/5)

Fees

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

NA

The first co-branded card by IDFC Bank in partnership with HPCL, the First Power credit card is the lower version of the First Power Plus credit card. The cardholder can save around Rs. 7000 per annum with the card and purchase around 65 litres of fuel with it. Also, the card comes with Rs. 1400 worth welcome benefits and is lifetime free up to 30th April 2023.

  • No joining charges as an introductory offer.
  • Save almost 2.5% on fuel expenses, 2.5% on groceries and utilities, and 2.5% on FASTag recharge.
  • Get cashback up to Rs. 250 on the 1st HPCL transaction made with your card.
  • Get almost 50% off on rental cars with Eco Rent A Car and EuroCar.
  • Complimentary roadside assistance 4 times per year, worth Rs. 1399.
First-power-plus

(4.7/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.

The second co-branded card by IDFC Bank and HPCL, the First Power Plus is the superior variant of the Power credit card, with which you can purchase up to 175 litres of fuel by saving almost Rs. 18,500 per year. There are great welcome benefits of this card and it is without a joining fee as an introductory offer along with roadside assistance for your car breakdowns.

  • Save almost 6.5% on your fuel spends, up to 5% on groceries and utility bills, and up to 5% on FASTag recharge.
  • Get cashback up to maximum Rs. 500 on your 1st HPCL transactions with this card.
  • Get exclusive discount up to Rs. 150 on your Swiggy orders above Rs. 1500
  • Up to Rs. 500 discount on Zoomcar rentals and up to 50% off on rentals through EuroCard and Eco Rent A Car.
  • Complimentary roadside assistance 4 times per year, worth Rs. 1399
IDFC FIRST Wealth Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

This is an exclusive offering by IDFC Bank and even though it is a premium card, it comes at a zero annual fees. You get complimentary domestic and international lounge access, complimentary golf rounds, and travel-related insurance covers with the card. Also, in addition to 2 movie tickets free every month, you can avail the benefits of the roadside assistance service offered by the card.

  • Premium credit card at a zero joining fee.
  • Gift voucher worth Rs. 500 and 5% cashback on your first EMI transaction with the card.
  • Up to 3x reward on offline and 6x rewards on online spends.
  • Up to 10x reward points on spends above Rs. 30,000 and on your birthday.
  • Complimentary airport lounge access along with spa visits quarterly.
  • Complimentary golf rounds and 1% fuel surcharge waiver.
  • Complimentary roadside assistance 4 times per year, worth Rs. 1399.
Accelero ICICI Bank Credit Card

(4.2/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Complimentary roadside repair services, car wash, general checkup, etc for the first year.

The Accelero is basic credit card by ICICI Bank, exclusively meant for people who drive their own vehicles. You get 2 reward points per Rs. 100 spent and can redeem them against a host of options. You even get 2.5% on HPCL outlets’ fuel transactions along with travel, movie, and dining benefits. It is a great card if you own a vehicle as you get roadside assistance, general checkup, car wash, service, etc.

  • 2 RPs per Rs. 100 spent and additional 2.5% cashback at HPCL pumps
  • Spend-based renewal fee waiver.
  • 15% discount on dining and 25% discount on BookMyShow tickets.
  • Complimentary domestic lounge access per quarter
  • Complimentary privileges like car wash, general check-up, service, etc.
  • Complimentary roadside assistance 24*7
ICICI Bank HPCL Super Saver Credit Card

(5/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least Rs. 5,000 within the first 45 days of card issuance; Rs. 100 cashback on HP Pay app on the first fuel purchase of Rs. 1,000 or more.

This co-branded credit card by HPCL and ICICI Bank comes at a decent Rs. 500 joining fee and offers you reward points/cashback on almost every spend category. Some privileges you get with this card include airport lounge access, movie and dining discounts, renewal fee waiver, complimentary roadside assistance, and more.

  • 2000 Reward points as welcome benefit.
  • Rs. 100 cashback on first transaction made with the HPPay Wallet.
  • Up to 5% savings on fuel purchases at HPCL outlets.
  • Complimentary domestic lounge access.
  • Up to 25% discount on BookMyShow and on dining through Culinary Treats Program.
  • 24*7 complimentary roadside assistance
American Express Platinum Card

(4.8/5)

Fees

Joining Fee

Rs. 60,000 + GST

Renewal Fee

Rs. 60,000 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

SeleQtions, Taj, and Vivanta Hotels Vouchers Worth Rs. 45,000. 10,000 Referral Bonus Membership Rewards Points

The flagship offering by American Express, the Platinum card has firs-class travel benefits and offers exclusive discounts at airlines, hotels, and more. The card does not have a fixed credit limit and offers both domestic as well international airport lounge access. You can also upgrade to higher tiers in airline frequent flyer and hotel loyalty programs with the card.

  • Rs. 45,000 worth welcome gift vouchers.
  • 1 Membership Reward per Rs. 40 and up to 5x reward points on the Reward Multiplier portal.
  • No preset credit limit on the charge card.
  • Get 24*7 global concierge service to assist you with anything you want.
  • Complimentary EazyDiner membership and around 50% off at top restaurants in India.
  • Get roadside assistance service for your vehicle
IndusInd-Legend-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

N/A

A premium credit card for high net-worth individuals, the Legend credit card charges a joining fee of Rs. 9999, welcoming you with exclusive vouchers from top brands. You get 2 RPs per Rs. 100 spent and you also get bonus RPs upon reaching spend milestone. You get Priority Pass membership and can access more than 1000 premium lounges worldwide. Another great thing about the card is the Auto Assist or roadside assistance for your vehicle.

  • Welcome gift vouchers from Oberoi Hotels and other top brands
  • Up to 2x reward points per Rs. 100 spent
  • Complimentary Priority Pass membership and access to more than 1000 premium lounges around the world.
  • BOGO offer on BookMyShow movie tickets along with dining benefits.
  • Low forex markup fee of 1.8% of the transaction value.
  • Auto Assist or complimentary roadside assistance
Indusind Bank Intermiles Voyage Visa Credit Card

(4.2/5)

Fees

Joining Fee

Rs. 2,000 + GST

Renewal Fee

Rs. 2,000 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

2,000 bonus InterMiles, flight discount voucher worth Rs. 750 & hotel discount voucher worth Rs. 1,500.

A premier travel credit card by IndusInd, you get 2000 bonus Intermiles and discounts worth Rs. 750 on flights, and Rs. 1500 on hotels as welcome benefit. You can earn 3 Intermiles on regular spends and up to 2x Intermiles on hotel and flight bookings on intermiles.com. The card is packed with great privileges across all top categories and its Auto Assist roadside assistance service stands out.

  • Bonus 2000 InterMiles as welcome benefit along with a Rs. 750 flight voucher and a Rs. 1500 hotel voucher.
  • 2 InterMiles per Rs. 100 spent on weekdays and 3 InterMiles on weekends.
  • 2x bonus InterMiles on hotel/flight bookings and 2.5x bonus InterMiles on Etihad Airways spends.
  • BOGO offer on BookMyShow movie tickets.
  • Complimentary golf lessons and games at select courses
  • 24*7 concierge service and Rs. 25 Lakhs worth air accident insurance cover
  • Auto Assist, Roadside assistance service
IndusInd Bank Platinum Aura Edge Credit Card

(4.1/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Discount gift vouchers from Pantaloons, Bata, Raymond, Hush Puppies, and more.

Available at a nominal joining fee of Rs. 500, you get many exclusive benefits and privileges with this credit card. You get gift vouchers from EazyDiner, Vero Moda, Bata, etc. and can choose your reward plans on the basis of your spends. The best part is a complimentary Priority Pass membership, travel insurance, 24*7 concierge support, and Auto Assist roadside assistance.

  • Choose your own rewards plan on the basis of your spends
  • Earn 4 Saving Points per Rs. 100 spent
  • EazyDiner, Bata, and Vero Moda vouchers as welcome benefit.
  • Complimentary Priority Pass membership and travel insurance
  • 24*7 Concierge service and Auto Assist roadside assistance service

Other Credit Cards Offering Roadside Assistance

IDFC Bank is leading the way because its cards are lifetime, and they are offering roadside assistance across a larger area as compared to IndusInd Bank, which covers just metropolitan cities. Another thing with IndusInd Bank cards is that the cardholder has to bear labour and repair charges.

Some other credit cards offering roadside assistance in India –

  • IDFC First Select Credit Card
  • IDFC First Classic Credit Card
  • IDFC First WoW Credit Card
  • IDFC First Private Credit Card
  • IndusInd Bank Celesta Credit Card
  • IndusInd Bank Crest Credit Card
  • IndusInd Bank Pinnacle Credit Card
  • IndusInd Bank Club Vistara Explorer Credit Card
  • IndusInd Bank Pioneer Legacy Credit Card

Why Do We Need Roadside Assistance?

Imagine yourself running late for your work meeting, and your car suddenly makes a weird nose and comes to a halt. You are unable to turn the car on again and are getting very late for your meeting. This is a perfect example of where roadside assistance comes to help. The team of experts will reach your location as soon as they can and repair your car or tow it to a local repair station.

You just have to call your credit card helpline, inform them of your situation, and use your roadside assistance service. It is a really valuable and helpful feature because of which many premium credit cards are offering this privilege. Most people tend to ignore the insurance and RSA service for their vehicle and think that they won’t come across such a situation.

However, when they face a car breakdown, local operators take a lot of money to tow their vehicles, whereas the roadside assistance team would have helped you at a low cost. An RSA plan costs somewhere around Rs. 2500 for a year and reduces your repair costs as well. If you do not get this service with your credit card, you can contact your insurance provider for the facility.

Roadside Assistance – What Does it Cover

Your car can break down and stop working due to a variety of reasons like a dead battery, burst tyre, lack of fuel, or an accident. When you call the roadside assistance service of your credit card for help, they will come to your location and try to fix your problem as soon as possible and safely.

They will try to repair any minor faults, and if the car needs to be towed to a repair center, they will arrange conveyance for you. With roadside assistance, you get peace of mind while driving because you know that you can call prompt service in case of need. The following issues are fixed with the assistance –

Vehicle Towaway Service in Case of Breakdown/Accident – The assistance team will try to fix faults and perform minor repairs. If the problem persists, the car will be towed to a nearby repair station for further repairs.

Jump Start or Alternate Battery – You may leave your car headlights on and return to a dead battery where your car does not start. The roadside assistance team will come to your location to jumpstart your car with an alternate battery.

Tire Replacement – If your tire is punctured or it bursts while driving, the roadside assistance team will come to your location and help change your tyre as soon as possible. You may need to pay for new tyres if you don’t have spare ones already.

Unlocking Service – You may lose your attention for a second and lock your keys inside the car. A kid or a pet may lock the car and leave you outside. The roadside assistance team will reach your location and speedily unlock your car doors.

Emergency Fuel and Other Fluids – Sometimes, in your busy professional life, you may forget about refuelling your car or checking its fluid levels. Your car may stop because of low fluid, and in this situation, roadside assistance will reach your location with the fuel as required.

Breakdown Support – If your car breaks down due to an accident, electrical, or mechanical fault, the roadside assistance team will either bring experts on the spot to repair your car or tow it to a good repair station nearby.

Spare Key Arrangement – In case you lose, misplace, or break your car keys, then you will need a new set. Roadside assistance will help arrange a spare key for your car so you can continue your journey.

Alternate Accommodation/Transport – Your car may need to be towed, but you want to continue to your destination or maybe stay at a hotel or anything else. The roadside assistance team will arrange hotel reservations, alternate transportation, or car rentals for you.

How to Claim Roadside Assistance Service?

Follow these steps if you want to contact the roadside assistance service of your credit card–

  • You must call the Toll-free number of your credit card’s customer support or roadside assistance support team.
  • You must share your name and the last 4 digits of your credit card to validate your identity and authenticate your credit card.
  • You will need to provide a Govt. ID proof and a car ID copy to the roadside assistance team. Your details must match the details on your credit card.
  • The roadside assistance team will visit your location and provide you with the necessary help and support to start your car as soon as possible.

Some Exclusions from Roadside Assistance

You may not be provided the roadside assistance service in some cases –

  • If your vehicle was not maintained regularly and was not in good driving condition
  • If the breakdown has happened because of deliberate damage, criminal acts, or vandalism
  • If the customer has a prior history of misusing or abusing the services twice
  • If the driver is found in an intoxicated state or does not have the proper license to drive the car.
  • If the car broke down because of illegal racing or criminal activities.

Benefits of Roadside Assistance Service

The best thing is the peace of mind you have while driving your vehicle. Every second is important in today’s busy professional life, and you don’t want to get stuck somewhere because your car broke down. A prompt roadside assistance team will reach your location as soon as possible and work on getting your car good again.

Another benefit is that your car is handled by experts who will effectively tackle every emergency. Experts try their best to avoid expensive repairs for your car and do much better work than a local car repair shop.

Your road trips and daily commutes become confident with the roadside assistance team available for help. More and more credit cards are now offering complimentary roadside assistance to cardholders, and it has become a really useful benefit of owning a credit card.

Conclusion

We hope that every single person has safe journeys in their car and does not require roadside assistance ever. However, you can experience a car breakdown at the most unexpected moments for a variety of reasons, and it is a really frustrating situation for an average person.

Sometimes, people do not make the right decision and make the situation worse than before. A roadside assistance team can reach your location quickly and perform the necessary steps needed to start your vehicle. Many credit cards are now offering complimentary roadside assistance to cardholders, and the majority welcomes the privilege.

Almost all IDFC Bank and IndusInd Bank credit cards offer roadside assistance. The great thing about IDFC Bank is most of their cards are lifetime-free, and they offer assistance almost all over India.

What do you think about the complimentary roadside assistance service? Do you want to get a credit card that offers this privilege, let us know in the comments section.

FAQs:

There are many credit cards offering complimentary roadside assistance in our country. Some of the best credit cards are IDFC First Power and First Power Plus, IDFC Millenia, IDFC Wealth, ICICI Bank HPCL Super Saver, Accelero ICICI Bank, Amex Platinum, IndusInd Legend, IndusInd Iconia, IndusInd Intermiles Voyage Visa, IndusInd Platinum Aura, IndusInd Payback, and more.
Yes, almost all credit cards by IDFC Bank are lifetime free and they offer complimentary roadside assistance all over India, not just to metropolitan cities. You get complimentary roadside assistance 4 times a year, worth Rs. 1399 with IDFC Bank credit cards.
If anytime your car breaks down while driving, you can contact your credit card's roadside assistance service and a team of experts will come to help you out. They will help you with the following issues -
  • Vehicle Towaway service
  • Car Unlocking
  • Alternate Battery or Jumpstart
  • Tyre Replacement
  • Emergency Fuel and other Fluids
  • Arranging Spare Keys
  • Breakdown Support
  • Arranging Alternate Transport
Follow these steps to avail your credit card's roadside assistance service -
  • You must call the Toll-free number of your credit card’s customer support or roadside assistance support team.
  • You must share your name and last 4 digits of your credit card to validate your identity and authenticate your credit card.
  • You will need to provide a Govt. ID proof and a car ID copy to the roadside assistance team. Your details must match the details on your credit card.
  • The roadside assistance team will visit your location and provide you the necessary help and support to start your car as soon as possible.
There are some situations in which roadside assistance is not provided -
  • If the breakdown has happened because of deliberate damage, criminal acts, or vandalism
  • If your vehicle was not maintained regularly and was not in a good driving condition
  • If the customer has a prior history of misusing or abusing the services twice
  • If the car broke down because of illegal racing or criminal activities.
  • If the driver is found in an intoxicated state, or does not have the proper license to drive the car.

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