Payments made towards insurance premiums are usually a regular expense for most individuals and managing them through credit cards can be quite convenient. However, despite having an array of card options available that allow you to make these payments, this spending category is often excluded from the credit card rewards programs. Even though most credit cards come with complimentary insurance coverage related to travel, emergency hospitalisation and accidental death, very few offer rewards or other benefits on insurance premium payments. So, finding the best credit cards for insurance payments which would allow you to maximise your savings may prove to be difficult. To simplify this task and help you select the most-suited card which not only helps you make the payments smoothly, but also offers decent value-back, we have listed some of the best credit cards for insurance payments below.
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Best Credit Cards for Insurance Payment 2025
Amazon Pay ICICI Credit Card Joining fee: ₹0 Annual/Renewal Fee: ₹0 Up to 5% cashback on Amazon purchases 1% cashback across all offline spends Product Details Standard Chartered Smart Credit Card Joining fee: ₹499 Annual/Renewal Fee: ₹499 2X cashback on online spends Low interest of 0.99% per month on credit card EMIs Product Details Swiggy HDFC Bank Credit Card Joining fee: ₹500 Annual/Renewal Fee: ₹500 10% cashback on Swiggy food orders, Instamart, Dineout & Genie 5% cashback on online spends Product Details HDFC Millennia Credit Card Joining fee: ₹1000 Annual/Renewal Fee: ₹1000 5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more 1% cashback on spends at other categories Product Details Tata Neu Infinity HDFC Bank Credit Card Joining fee: ₹1499 Annual/Renewal Fee: ₹1499 Up to 10% value-back on Tata Neu spends 8 domestic and 4 international Priority Pass lounge access per year Product Details HDFC Regalia Gold Credit Card Joining fee: ₹2500 Annual/Renewal Fee: ₹2500 5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital 4 reward points per Rs. 150 across all retail spends Product Details Titan SBI Credit Card Joining fee: ₹2999 Annual/Renewal Fee: ₹2999 Up to 7.5% cashback on Titan group brands 3% back on spends at Tanishq Product Details YES Bank Marquee Credit Card Joining fee: ₹9999 Annual/Renewal Fee: ₹4999 36 YES Rewardz Points per Rs. 200 spent online & 18 on offline spends Up to 24 domestic & unlimited international airport lounge visits per year Product Details
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Top 10 Credit Cards for Insurance Payment in India 2025
Here are the best credit cards for insurance payments that reward you with decent value-back:
1. Amazon Pay ICICI Credit Card
Joining Fee: Nil
Annual Fee: Nil
Key Features and Benefits:
- 5% cashback on Amazon for Prime Customers
- 3% cashback on Amazon for Non-Prime Customers
- 2% cashback on 100+ partner merchants
- 1% cashback on all other transactions, including insurance spends
- Welcome benefits worth Rs. 2,000
- 1% waiver on fuel surcharge across all petrol pumps in India
Amazon Pay ICICI Credit Card is a great choice for those looking to earn cashback on their insurance premium payments. This ICICI bank credit card not only offers a base cashback rate of 1% but is also a lifetime free credit card. Apart from this, cardholders can also save up to 5% on Amazon spends and 2% on partner brands, thus covering most of the shopping categories, including electronics, furniture, personal care, groceries, home decor, apparel, and many others. Additionally, it provides incremental cashback on Amazon spends for Prime members, making it ideal for those who are loyal to the e-commerce platform. The card’s zero annual fee, welcome benefits and cashback feature, adds value beyond insurance payments, making it a well-rounded option for everyday spenders.
Check Out: Best Lifetime Free Credit Cards in India
2. Standard Chartered Smart Credit Card
Joining Fee: Rs. 499
Annual Fee: Rs. 499 (Waived on spending Rs. 1.2 lakh in the previous year)
Key Features and Benefits:
- 2% cashback on online card spends
- 1% cashback on all other spends
This Standard Chartered credit card is a good option for those who prefer getting value-back in the form of cashback on their insurance-related and other spends. With 2% cashback on insurance premiums, if paid online, and 1% on offline payments, this card comes with a hassle-free cashback program with higher value-back for online shoppers. Though the cashback here is capped at Rs. 1,000 for online and Rs. 500 for offline spends respectively per month, cardholders can still save a decent amount at a low annual fee which is also easily waived off by satisfying the annual spend-based condition.
3. Swiggy HDFC Bank Credit Card
Joining Fee: Rs. 500
Annual Fee: Rs. 500 (Waived on spending Rs. 2 lakh in a year)
Key Features and Benefits:
- 10% cashback on Swiggy app for spends related to food ordering, Instamart, Dineout and Genie
- 5% cashback on other online spends
- 1% cashback on all other categories
- Complimentary 3 months Swiggy One membership on card activation
- 4 complimentary green fees rounds, 12 free golf lessons/sessions and 50% off on green fee beyond free sessions via Mastercard
Swiggy HDFC credit card is tailored for Swiggy loyalists and online shoppers with 10% cashback on Swiggy and 5% on all online purchases. So, if cardholders make insurance payments online they would earn 5% value-back, while offline payments would give 1% returns. As one of the best cashback cards, this HDFC bank credit card doesn’t limit its benefits to just co-branded spends, but also gives a good value-back across spending categories. The added benefits of complimentary Swiggy One membership and golf access make this card an even more appealing option.
4. Axis Bank Aura Credit Card
Joining Fee: Rs. 749
Annual Fee: Rs. 749
Key Features and Benefits:
- 10 EDGE rewards points per Rs. 200 spent on insurance
- 2 EDGE rewards points per Rs. 200 spent
- Rs. 750 Decathlon voucher as welcome bonus
- 4 free video doctor consultations per month via Practo
- 4 free personal and 16 pre-recorded video workout sessions per month via Fitternity
- Up to Rs. 500 off on annual health checkup via IndushealthPlus
- 30% off on nutritional/diet consultation and nutritional foods
- Up to 15% off on dining via EazyDiner
While many credit cards only offer the base rewards rate on insurance payments, this Axis bank credit card offers an accelerated rate of 5% EDGE reward points on every Rs. 200 spent on this category. This feature makes it stand out among other card options when it comes to rewards earnings on credit card insurance payments. However, point to note here is that the bank has capped the maximum insurance payment amount at Rs. 10,000 for every transaction which can be limiting for those with high premiums. The earned reward points can later be used to make purchases from the rewards catalogue, where their redemption value may vary depending on the redemption option you choose. Other card features are mainly focused on health and fitness which is not very common for most credit cards either. So, those who wish to avail higher rewards rate on insurance spends and want health-related benefits can consider this card.
5. HDFC Bank Millennia Credit Card
Joining Fee: Rs. 1,000
Annual Fee: Rs. 1,000 (Waived on spending Rs. 1 lakh in a year)
Key Features and Benefits:
- 5% cashback on Amazon, Myntra, Flipkart, BookMyShow, Cult.fit, Sony LIV, Zomato, Swiggy, Tata CLiQ and Uber
- 1% cashback on all other spends, including insurance
- 1,000 CashPoints on joining/ annual fee payment
- Up to 20% off on dining via Swiggy Dineout
- Choice between gift voucher of Rs. 1,000 and 1 Dreamfolks airport lounge access on reaching Rs. 1 lakh quarterly spends
- 1% fuel surcharge waiver, up to Rs. 250 per month
6. Tata Neu Infinity HDFC Bank Credit Card
Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499 (Waived on spending Rs. 3 lakh in a year)
Key Features and Benefits:
- 5% back as NeuCoins on non-EMI spends on Tata Neu and partner brands
- Extra 5% back as NeuCoins on Tata Neu platforms after NeuPass registration on Tata Neu app
- 1.5% back as NeuCoins on non-Tata brands, insurance and merchant EMI spends
- Up to 1.5% back as NeuCoins on UPI spends
- 1,499 NeuCoins on Tata Neu App as welcome bonus
- 8 complimentary domestic airport lounge visits per year
- 4 complimentary international airport lounge visits per year
7. HDFC Regalia Gold Credit Card
Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (Waived on spending Rs. 4 lakh in a year)
Key Features and Benefits:
- 5X rewards at Nykaa, Myntra, Marks & Spencer and Reliance Digital
- 4 reward points per Rs. 150 spent on other categories, including insurance, utilities and education
- 12 domestic and 6 international airport lounge visits per year
- Swiggy One and MMT Black Gold memberships as spend-based joining bonus
- Gift voucher of Rs. 2,500 on joining fee payment
- Rs. 1,500 voucher from Marriott, Reliance Digital, Myntra, or Marks & Spencer on Rs. 1.5 lakh quarterly spends
- Rs. 5,000 flight voucher each on Rs. 5 lakh and Rs. 7.5 lakh annual spends, respectively
- Up to 7.5% savings on dining via Swiggy Dineout
8. Titan SBI Credit Card
Joining Fee: Rs. 2,999
Annual Fee: Rs. 2,999 (Waived on spending Rs. 3 lakh in a year)
Key Features and Benefits:
- 6 reward points per Rs. 100 spent on all categories outside Titan spends, including insurance
- 7.5% cashback on spends at World of Titan, Titan Eye+, Fastrack, Taneira, Helios, Skinn, Irth & Sonata
- 5% cashback on spends at Zoya, Mia and Caratlane
- 3% back as gift vouchers on spends at Tanishq
- 12,000 reward points on joining fee payment
- Milestone benefits worth Rs. 5,000 on Rs. 5 lakh annual spends and worth Rs. 10,000 on Rs. 10 lakh annual spends
- 8 complimentary domestic and 4 international airport lounge visits per year
9. Shoppers Stop Black HDFC Bank Credit Card
Joining Fee: Rs. 4,500
Annual Fee: Rs 4,500
Key Features and Benefits:
- 7% reward points on Shoppers Stop spends
- 2% reward points on non-Shoppers Stop spends, including insurance
- Complimentary Shoppers Stop Black membership
- Rs. 2,000 earnings per month for a single Shoppers Stop purchase of min. Rs. 50,000 during the weekend
- 16 domestic and 8 international airport lounge access per year
- Shoppers Stop voucher of Rs. 1,500 as welcome benefit
10. YES Bank Marquee Credit Card
Joining Fee: Rs. 9,999
Annual Fee: Rs. 4,999
Key Features and Benefits:
- 36 YES Rewardz points per Rs. 200 spent online
- 18 YES Rewardz points per Rs. 200 spent offline
- 10 YES Rewardz points per Rs. 200 spent on select categories, like insurance, wallet, recharge, rental, utility bill and other govt. payments
- Low forex mark-up fee of 1%
- 4 green fee waivers & up to 12 golf lessons per year at select golf courses in India
- Unlimited international and up to 24 domestic airport lounge visits per year
- Buy 1 get 1 offer with up to Rs. 800 off per movie ticket on BookMyShow
Top Premium Credit Cards for Insurance Payments
In addition to the above-mentioned best credit cards, there are some premium cards that offers reward benefits on insurance premium payments, as listed below:
| Credit Card | Annual Fee | Rewards on Insurance Payments | |
| SBI Card AURUM | Rs. 9,999 | 4 Aurum Reward Point per Rs. 100 spent | |
| YES Private Credit Card | Rs. 10,000 | 20 reward points per Rs. 200 spent domestically; 40 reward points per Rs. 200 spent internationally |
|
| HDFC Bank Diners Club Black Credit Card | Rs. 10,000 | 5 reward points per Rs. 150 spent | |
| ICICI Bank Emeralde Private Metal Credit Card | Rs. 12,499 | 6 reward points per Rs 200 spent | |
| HDFC Bank INFINIA Credit Card Metal Edition | Rs. 12,500 | 5 reward points per Rs. 150 spent | |
| Axis Bank Primus Credit Card | Rs. 3.54 lakh | 1 EDGE Mile per Rs. 100 spent | |
FAQs
Which credit card is best for insurance payments?
You can save on insurance payments with cards like Amazon Pay ICICI Credit Card, Standard Chartered Smart Credit Card, Swiggy HDFC Credit Card, and HDFC Millennia Credit Card. However, the best card depends on your spending preferences and how you plan to use the card to maximize benefits.
Which is the best credit card for cashback on insurance payments?
You can earn cashback on insurance payments with credit cards like Amazon Pay ICICI, Swiggy HDFC, Standard Chartered Smart, HDFC Millennia, and Titan SBI Credit Card. However, always choose a card that suits your lifestyle and spending habits to get the most value back.
Do we get rewards on insurance payments through credit cards?
Most credit cards exclude insurance payments from the program. However, cards like Amazon Pay ICICI, Standard Chartered Smart, Swiggy HDFC, and HDFC Millennia offer decent value back on insurance payments, making them better options for such spends.
Which is the best credit card for health insurance payments?
For health insurance payments, you can consider cards like Amazon Pay ICICI, Standard Chartered Smart Credit Card, Swiggy HDFC, HDFC Millennia Credit Card, Tata Neu Infinity HDFC, or HDFC Regalia Credit Card to earn value back on your spends.
2 Comments
Hey dear, i pay approximately 1.2 lakhs per month in policy bazar as premium.. can u please suggest me the best credit card to earn maximum rewards/ cashback on the payments
Many of the above-mentioned cards may come with monthly capping on reward points earnings which may restrict your earnings. So, you can pick cards like HDFC Regalia Gold and Tata Neu Infinity which come with unlimited reward benefits on insurance payments, thus helping you maximise your savings. You may also opt for cards like YES Marquee which come with comparatively higher capping limit on reward points. However, before making the final choice, you must also analyse other benefits offered by these cards and choose the one whose overall benefits best align with your general spending patterns.