DUBAI, AE / ACCESS Newswire / August 12, 2025 / For UAE residents planning their first trip with a credit card, there’s more to it than just convenience at the checkout counter. Whether you’re exploring the Emirates or venturing abroad, your credit card could offer more than payment flexibility-it might come with built-in travel insurance benefits. From covering trip cancellations and lost luggage to assisting during medical emergencies overseas, a travel insurance credit card can add an extra layer of protection and peace of mind. Before you depart, here’s what every cardholder should understand to make the most of these travel benefits.
Check What Travel Insurance Your Card Gives
Many travelers are unaware that their credit cards may come with complimentary travel insurance. These travel insurance credit card benefits can provide coverage for unexpected issues like trip cancellations, lost luggage, or overseas medical emergencies. It’s important to review your card’s specific terms before you travel to understand what protections are included and what exclusions may apply.
In most cases, you’ll need to use the card to pay for your travel expenses-such as flights or hotel stays-for the insurance coverage to be valid. Be sure to read the fine print or contact your card issuer to confirm the details and eligibility requirements.
Know About Foreign Transaction Charges
One thing that can catch first-time travelers off guard is foreign transaction fees. When using a UAE-issued credit card overseas, it’s important for cardholders to be aware of foreign transaction fees-charges that can quietly add up. These fees are typically applied when you make purchases in a currency other than UAE dirhams. and can range from 1% to 3% of the transaction amount, depending on the card issuer. While these charges might seem small on individual purchases, they can significantly impact your overall travel budget.. To avoid surprises, always review your card’s terms or speak with your bank to understand applicable fees before traveling.
Make the Most of Airport Lounge Access
Many credit cards offer airport lounge access as part of their travel benefits. This can make long layovers or early arrivals at the airport far more comfortable. Lounges usually provide free snacks, drinks, Wi-Fi, and a quiet space to rest or work. It is worth checking if lounge visits are included and how to access them – sometimes a prior booking is needed, or a digital card might be required at entry.
Keep the Card Safe on Your Trip
When traveling, a credit card offers added security over carrying substantial amounts of cash. But it is still important to take precautions. Informing the card issuer about travel dates and destinations helps avoid accidental blockings due to suspected fraud. It is also wise to set up app alerts for transactions, so any unfamiliar charges can be spotted early.
Having a backup payment method, like a second card or some local currency, is also good practice. This ensures travelers are covered in case of any issues.
Remember Emergency Assistance
Many travel insurance credit cards come with access to emergency help lines. These can assist with lost passports, medical referrals, etc. Before heading out, saving these contact numbers in a phone or notebook can prove invaluable if something unexpected happens.
Final Thought
For first-time travelers, a credit card with travel-specific perks can be a valuable companion-not just for purchases, but for added security and ease. From insurance coverage to seamless transactions, these cards can enhance the overall travel experience. By taking the time to understand the card’s benefits, limitations, and usage tips, cardholders can travel with greater confidence and focus on making the most of their journey.
CONTACT:
Sonakshi Murze
Manager
sonakshi.murze@iquanti.com
SOURCE: iQuanti
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