Free guide · Loans and debt
Your debit card has free insurance. Only if you use it.
Which Indian debit and credit cards carry free accident insurance, how much, and the one rule that decides whether your family actually gets paid.
10 pages · Verified Oct 2026 · Free to share
The numbers at a glance
- You pay
- ₹0
- RuPay Select
- ₹10 lakh
- RuPay rule
- 30 days
- Claim within
- 90 days
For RuPay cards, the 30 days means one swipe, tap or online payment with the card itself before the accident. ATM withdrawals and UPI from the same account do not count.
The one thing to notice
A card left unused for three months may carry zero cover on the day it matters. And a cover your family doesn't know about pays nothing.
What's inside the PDF
- 1Which cards carry free insurance. Every bank's debit card cover on one page.
- 2SBI, HDFC and Kotak debit cards. Card-by-card amounts and the rule for each.
- 3Axis and ICICI debit cards. One covers by card type, one by account.
- 4The cover most people already have. RuPay, Jan Dhan and public sector banks.
- 5Credit cards. Mostly air accident cover, and the cards that dropped it.
- 6The rules that decide the claim. Activity rules, deadlines, and how a family claims.
- 7Treat it as a bonus. Five things to do this week.
- 8The glossary, in plain words. Every term, with a line in Tamil.
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A short video most days, and the PDF in the comments when enough people ask for it.
Follow @buildwithabinashHow I checked this
- Every total computed in code, not by hand
- Sources listed on the last page of the PDF
- Re-checked on Oct 2026
Disclaimer
Education only, not investment advice, and not a recommendation of any product. I am not a SEBI-registered investment adviser. Card insurance is a group policy the bank chooses, and it can be changed or withdrawn at renewal. Figures were taken from official sites in October 2026. Confirm your card's current cover with your bank before relying on it.