Credit Cards with CFAR travel insurance: Here's why you need it

Key Takeaways

CFAR stands for 'Cancellation For Any Reason'.
It is a travel insurance benefit that allows you to claim the fare of your flight if it is cancelled or interrupted due to unforeseen circumstances.
Several IDFC FIRST Bank Credit Cards offer travel-related benefits such as CFAR coverage, along with other features.

22 Sep 2026 by IDFC FIRST Bank

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Meet Rahul and Aman, two friends who have just excitedly mapped out their dream vacation. Yet, just days before their long-awaited departure, Rahul faces a family emergency, and Aman is caught up in unexpected work commitments. They are faced with a difficult choice - whether or not to proceed with their travel plans.

Enter Cancel For Any Reason (CFAR) travel insurance—your solution in moments like these. When we consider travelling, we focus on the exciting destinations, the sights to see, and the memories to make. But life happens and disrupts plans! Amidst these uncertainties, CFAR travel insurance acts as a safety net.

Let’s understand what CFAR is and why you should consider it.

What is CFAR Travel Insurance?

Cancel For Any Reason (CFAR) travel insurance is more than just a safety net. Unlike standard travel insurance plans, which only cover specific cancellation grounds, this one takes it a step further. With this supplementary coverage, you can cancel your flight and hotel bookings for any reason. You will still receive a refund for a portion of your prepaid, non-refundable expenses.

Why You Should Not Ignore CFAR Travel Insurance

The importance of CFAR travel insurance can be summed up with the following benefits:

All-Round Protection: CFAR travel insurance shields you from unexpected events that are not usually covered, such as:
- Change of mind
- Personal reasons, such as illnesses and family emergencies
- Work commitments
- Natural disasters, political unrest, and lockdowns
- Change in relationship status with a travel partner
Protection Against Financial Losses: Cancelling due to unforeseen circumstances doesn't mean losing money; a significant part of your expenses gets reimbursed, which eases the financial burden.
Flexibility: As CFAR travel insurance covers any reason for trip changes, it extends flexibility while making your plans and, ultimately, provides peace of mind.

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Considering a Credit Card with CFAR Travel Insurance?

With zero forex markup now available across all IDFC FIRST Bank Credit Cards, you can focus on the travel benefits that matter to you. Several cards offer CFAR cover, with the coverage amount varying by card.

Mayura Credit Card

A premium metal card for frequent travellers who want the highest cover.

Trip cancellation cover of up to ₹50,000 per year on non-refundable flight and hotel bookings

Zero forex markup on all international transactions

4 domestic and 4 international airport lounge visits per quarter, including 1 guest visit on domestic lounges

Air accident cover of up to ₹1 crore

5X Reward Points on spends below ₹20,000 and 10X on spends above ₹20,000 in a statement cycle and on your birthday

Welcome benefit of 4,000 Reward Points on joining fee payment

Ashva Credit Card

A premium metal card with strong travel protection at a lower annual fee.

Trip cancellation cover of up to ₹25,000 per year on non-refundable flight and hotel bookings

Zero forex markup on all international transactions

4 domestic and 2 international airport lounge visits per quarter

Air accident cover of up to ₹1 crore

5X Reward Points on spends below ₹20,000 and 10X on spends above ₹20,000 in a statement cycle and on your birthday

Welcome benefit of 2,500 Reward Points on joining fee payment

FIRST Select Credit Card

A lifetime free card with travel protection at zero annual cost.

Trip cancellation cover of up to ₹10,000 per year on non-refundable flight and hotel bookings

Zero forex markup on all international transactions

1 domestic airport lounge visit per quarter on spending ₹20,000 in the previous calendar month

Air accident cover of up to ₹1 crore

Travel insurance cover of up to USD 300

10X Reward Points on Dining, Travel and International spends from your first transaction

FIRST WOW! Black Credit Card

An FD-backed card that adds travel protection without needing income proof or a credit history.

Trip cancellation cover of up to ₹10,000 per year on non-refundable flight and hotel bookings

Zero forex markup on all international transactions

4 domestic airport lounge visits per year

4X Reward Points on all spends and 3X on UPI spends

Minimum fixed deposit of ₹20,000

Joining and annual fee of ₹750 plus GST, waived on annual spends of ₹1.5 lakh

How to Avail of CFAR Travel Insurance?
Several IDFC FIRST Bank Credit Cards offer CFAR cover, which can help if you need to cancel a non-refundable flight or hotel booking. The coverage amount and number of claims vary by card, so check the applicable terms before making a booking. To use the benefit, make your eligible travel bookings with the card and follow the claim process if you need to cancel.

The takeaway

Travel plans do not always go as expected, and having CFAR cover can help you manage the cost of an unexpected cancellation. Several IDFC FIRST Bank Credit Cards offer this benefit, giving you the flexibility to choose a card based on the coverage and other travel benefits that suit your needs.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.