New Delhi, May 12 -- More Indians are using credit and debit cards than ever before, but few are aware that some cards come with various types of insurance. These include personal accidental death insurance, lost card liability, loss or delay of check-in baggage, loss of travel documents, and emergency overseas hospitalisation. The coverage limit depends on the type of card you have and the credit limit available to you.

For example, HDFC Bank's Platinum debit card offers up to Rs.3 crore of international air accident cover, as does its Infinia credit card. State Bank of India's Pride debit card offers Rs.4 lakh coverage in case of death in an air accident, and Rs.2 lakh for other accidents. The figures for its Platinum debit card are Rs...