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14 August, 2025

Credit Cards with Free Roadside Assistance in India:
Your 2025 Guide

Worried about a car breakdown? Discover the top credit cards in India that offer free roadside assistance, including services like towing, flat tire change, and fuel delivery. Learn how this valuable benefit works and how to choose the right card for you.

A Lifeline on the Road, Right in Your Wallet

Imagine you're on a long drive, and suddenly, you get a flat tire. Or worse, your car breaks down in the middle of nowhere. In moments like these, having reliable help is not just a convenience, it's a necessity. While many of us rely on a separate roadside assistance plan or our car's insurance, a growing number of credit cards in India are offering this valuable service for free.

Roadside assistance as a credit card benefit provides peace of mind, knowing that help is just a phone call away. This guide will walk you through everything you need to know, from which cards offer this perk to the specific services included, all in an easy-to-read format to help you make an informed choice.

What is Free Roadside Assistance from a Credit Card? 

Free roadside assistance is a complimentary service offered by some credit cards that helps you in the event of a vehicle breakdown or emergency. Instead of paying for a standalone annual plan, you can simply call a dedicated helpline number provided by your bank to avail of these services.

The benefit is typically free for a fixed number of uses per year (e.g., up to 4 times a year) and can save you over ₹1,000 that a separate service would cost.

Common Services Covered Under Roadside Assistance

  • Towing Service : If your vehicle cannot be repaired on the spot, the service provider will arrange to have it towed to the nearest authorized garage or workshop.

  • Flat Tire Support : Assistance with changing a punctured tire. You will need to have a spare tire ready.

  • Dead Battery Jump-Start : If your battery is dead, a technician will be dispatched to jump-start your vehicle.

  • Emergency Fuel Delivery : In case your vehicle runs out of fuel, a limited amount of fuel (e.g., up to 5 liters) can be delivered to your location. The fuel cost is usually borne by the cardholder.

  • Locked or Lost Key Assistance : The service can help you get access to a spare key or unlock your vehicle if your keys are locked inside.

  • On-Site Minor Repairs : For simple issues like a minor fuse problem, the technician may be able to fix it on the spot.

Top Credit Cards with Free Roadside Assistance in India 

IDFC FIRST Bank Credit Cards

IDFC FIRST Bank is a frontrunner in offering this valuable benefit across several of its card variants.

  • Cards : IDFC FIRST Select, IDFC FIRST Wealth, IDFC FIRST Power+, and IDFC FIRST Millennia.

  • Benefit : Cardholders can avail of 4 complimentary roadside assistance services every year.

  • Coverage : Services include towing, flat tire, battery jump-start, and fuel delivery.

  • How to Avail : Call the dedicated 24/7 helpline number for assistance.

HDFC Bank Credit Cards

HDFC Bank offers roadside assistance as a premium benefit on some of its high-end cards, often managed through a concierge service or a partnership with an external provider like GoMechanic.

  • Cards : HDFC Bank Infinia, HDFC Diners Club Black, and HDFC Bank Regalia Gold.

  • Benefit : The benefit typically includes services like towing (up to a certain distance), flat tire support, battery jump-start, and emergency fuel delivery. For instance, the GoMechanic partnership may offer 4 free services out of a list of 8 within a year.

  • Coverage : The service is available in major cities and is often accessed via the bank’s concierge service.

  • How to Avail : You may need to activate a separate membership (e.g., with GoMechanic) using a coupon code or by contacting the card's concierge helpline.

ICICI Bank Credit Cards

ICICI Bank also provides roadside assistance on a few of its popular cards, especially those targeted at drivers and travelers.

  • Cards : ICICI Bank HPCL Super Saver Credit Card and ICICI Bank Emeralde Credit Cards.

  • Benefit : These cards offer 24x7 roadside assistance across India, with specific services like towing, battery jump-start, flat tire repair, and taxi service for occupants in case of a breakdown.

  • Coverage : The HPCL Super Saver card offers assistance across India, while the Emeralde cards may have coverage limited to major metro cities like Delhi, Mumbai, and Bengaluru.

  • How to Avail : You can contact the bank's dedicated helpline to request the service.

IndusInd Bank Credit Cards

IndusInd Bank includes roadside assistance as part of its Auto Assist program on several of its premium credit cards.

  • Cards : IndusInd Bank Tiger, IndusInd Legend, IndusInd Crest, and IndusInd Celesta Credit Cards.

  • Benefit : The "Crest Auto Assist" program provides round-the-clock roadside assistance.

  • Coverage : The service is available in major cities, including Delhi, Mumbai, Pune, Kolkata, Chennai, and Bengaluru.

  • How to Avail : You need to contact the bank's concierge service to request the Auto Assist benefit.

Making Your Choice: A Smart Decision for Safety 

When choosing a credit card for this benefit, don't just look for the words "roadside assistance." Here's what to keep in mind:

  • Check the Number of Uses : Make sure the number of free services per year is sufficient for your needs.

  • Confirm Coverage Area : If you frequently drive in rural areas or outside of major cities, check if the service provider has a wide network to cover your routes.

  • Read the Fine Print : Look for any limitations, such as a cap on the towing distance or exclusions on certain types of vehicles.

Conclusion: Drive with Confidence

A credit card with roadside assistance is an incredibly practical benefit that often goes overlooked. It's a small but significant feature that can provide immense relief and financial savings in an emergency. By selecting one of the cards listed above, you can turn your credit card into a powerful tool that not only rewards your spending but also safeguards your journeys. Drive with confidence, knowing that you have a safety net in your wallet.

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