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Federal BankAll of us must have experienced a car failure in the middle of our drive atleast 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 times, people cannot take the right step 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 got 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.
- IDFC FIRST Millennia Credit Card
- IDFC HPCL FIRST Power Credit Card
- IDFC HPCL First Power Plus Credit Card
- IDFC FIRST Wealth Credit Card
- Accelero ICICI Bank Credit Card
- ICICI Bank HPCL Super Saver Credit Card
- American Express Platinum Credit Card
- IndusInd Legend Credit Card
- IndusInd Bank Iconia Visa Credit Card
- IndusInd Intermiles Voyage Visa Credit Card
- IndusInd Bank Platinum Aura Credit Card
- IndusInd Bank Payback Credit Card
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 the cardholder. 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 he requires assistance to repair it and drive it safely.
Fee
Joining Fee
Nil
Renewal Fee
3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.
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
Card Details +
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
Fee
Joining Fee
Rs. 199 plus taxes but No Joining Fee as an introductory offer
Renewal Fee
Save up to 5% on your fuel spends. Save 2.5% as rewards on your utility and grocery expenses. 2.5% as rewards on your IDFC FASTag recharge. 2x rewards on all other retail spends.
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
NA
Card Details +
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.
Fee
Joining Fee
Rs. 499 plus applicable taxes
Renewal Fee
Save up to 5% as rewards on grocery and utility expenses of up to worth Rs. 2,000 per month, Save up to 5% as a reward on IDFC FIRST FASTag recharge max Rs. 1,000 per month, and 3X rewards on all other retail transactions.
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.
Card Details +
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
Fee
Joining Fee
Nil
Renewal Fee
3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Gift Vouchers worth Rs. 500 from premium brands on spending over Rs. 30,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.
Card Details +
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.
Fee
Joining Fee
Rs. 499 (plus applicable taxes)
Renewal Fee
2 Reward Points on every Rs. 100 spent
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Complimentary roadside repair services, car wash, general checkup, etc for the first year.
Card Details +
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
Fee
Joining Fee
Rs. 500 (plus GST)
Renewal Fee
4% cashback on fuel spends at HPCL pumps, 5% cashback as RPs on departmental store spends & utility purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
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.
Card Details +
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
Fee
Joining Fee
Rs. 60,000 (plus applicable taxes)
Renewal Fee
1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
SeleQtions, Taj, and Vivanta Hotels’ vouchers worth Rs. 45,000.
Card Details +
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
Fee
Joining Fee
Rs. 9,999 + Applicable Taxes
Renewal Fee
1 Reward Point per Rs. 100 spends on weekdays and 2 Reward Points for every Rs. 100 you spend on weekends.
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Choose one of these: a Luxe gift card, a complimentary stay at Oberoi Chain of Hotels, Montblanc products, Postcard hotel stays, and Vouchagram gift vouchers from popular brands like Charles Keith, Yatra, Louis Philippe, etc.
Card Details +
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
Fee
Joining Fee
Rs. 3,499
Renewal Fee
0.75 Reward Point for every spend of Rs. 100 on weekdays. 1 Reward Point for every spend of Rs. 100 on weekends.
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
The card provides various welcome benefits in the form of gift cards and vouchers that include Montblanc, Luxe Gift card, the Postcard hotel, and vouchers/gift cards for Amazon, Flipkart, Big Bazaar, Zee5, Apollo pharmacy, and many more.
Card Details +
The VISA variant of the IndusInd Bank Iconia card has a joining fee of Rs. 3499 and offers a host of privileges across movies, travel, dining, shopping, and more. You can earn up to 1 RP for every Rs. 100 spent with the card, play 1 golf game and one golf lesson per quarter, and enjoy a complimentary Priority Pass membership. Another useful feature of the card is its Auto Assist or roadside assistance service.
- Welcome gift vouchers from top brands like Titan, Pantaloons, Flipkart, Amazon, etc.
- 0.75 RPs per Rs. 100 spent on weekdays and 1 RPs on weekends.
- Complimentary Priority Pass membership and 1 movie ticket per month
- 1 golf lesson and 1 golf game per quarter
- Auto Assist or roadside assistance service
Fee
Joining Fee
Rs. 2,000 + GST
Renewal Fee
2 InterMiles per Rs. 100 spent on weekdays, 3 Intermiles per Rs. 100 spent on weekends & 2x InterMiles on flight/hotel bookings on intermiles.com.
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.
Card Details +
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
Fee
Joining Fee
Rs. 500
Renewal Fee
0.5 Saving points per Rs. 100 spent on all categories. Up to 4 saving points per Rs. 100 spent on selected categories.
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Welcome gift vouchers from Bata, Vero Moda, and Eazy Diner.
Card Details +
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
Fee
Joining Fee
Rs. 249 + GST
Renewal Fee
20 PAYBACK Points per Rs. 100 spent on movies, 5 PAYBACK Points for groceries, dining, & shopping, and 2 PAYBACK Points on other spends.
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
1,000 PAYBACK points after paying the joining fee
Card Details +
Launched in partnership with PAYBACK, this credit card has a low joining fee of Rs. 249 and gives you payback points on all your spends. It covers various categories including utility bills, dining, movues, shopping, and more. You can redeem your payback points easily against a host of options and you even get Auto Assist roadside assistance service with this card.
- Welcome benefit of 1000 Payback points.
- Complimentary membership for PAYBACK Plus
- 20 Payback points per Rs. 100 spent on movies, 5 points on groceries, shopping, and dining, 2 points on all other spends
- Air accident cover worth Rs. 25 Lakhs
- Complimentary access to Auto Assist, roadside assistance program
IDFC Bank is leading the way because its cards are lifetime free and they are offering roadside assistance across a larger area as compared to IndusInd Bank that covers just metropolitan cities. Another thing with IndusInd Bank cards is that the cardholder has to bear labour and repair charges.
Other Credit Cards Offering Roadside Assistance
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
- IndusInd Bank Signature Visa 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 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 dead battery, burst tyre, out 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 in a safe manner.
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 also may lock the car and leave you outside. The roadside assistance team will reach your location and unlock your car doors in a speedy manner.
Emergency Fuel and Other Fluids – Sometimes in your busy professional life, you may forget about refueling your car or checking its fluid levels. It is possible that your car stops 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.
Contact your Family/Relatives/Colleagues – The roadside assistance team will make sure that any urgent communication is made to your family or relatives. If the situation is bad, you can call upon your family members or friends for helping you too.
Alternate Accomodation/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 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.
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 a 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 tackle every emergency in an effective manner. Experts try their best to avoid expensive repairs for your car and do a 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 do not require roadside assistance ever. However, you can experience a car breakdown at the most unexpected moments because of a variety of reasons and it is a really frustrating situation for a normal person.
Sometimes, people do not take 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 privilege is welcomed by the majority.
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.
Compare India’s most rewarding credit cards under one roof and pick the one that works for you the best.