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Use Credit Card Purchase Protection for Extended Warranty

Gautam Chauhan's profile photo Gautam Chauhan
Reviewed by Rahul Godeshwar Last reviewed 5 September 2026 Data verified 5 September 2026

Premium credit cards in India offer extended warranty as a built-in benefit — typically extending the manufacturer warranty by 1–2 years. Most cardholders don’t know this exists.

The trick: Pay for electronics and appliances with a card that offers extended warranty, then claim the extension when the manufacturer warranty expires.

Cards with extended warranty:

  • HDFC Infinia: 1-year extended warranty on purchases up to ₹10,00,000.
  • HDFC Diners Club Black: 1-year extended warranty on all purchases.
  • Axis Magnus: 1-year extended warranty on electronics purchases.
  • SBI Card Aurum: 1-year extended warranty on purchases above ₹10,000.
  • ICICI Emeralde: 1-year extended warranty on electronics.

Step-by-step:

  • Before buying electronics, check if your card offers extended warranty.
  • Pay for the full purchase with the eligible card (partial payment doesn’t qualify).
  • Keep the original invoice and card statement.
  • When manufacturer warranty expires, contact the card issuer’s concierge to file a warranty claim.
  • Some issuers require a service centre inspection report — keep that handy.

Annual value: A ₹1,00,000 laptop with 1-year extended warranty = ₹5,000–₹10,000 in avoided repair/replacement costs if something goes wrong.

Sources

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