Best Credit Cards for Insurance Premiums

Paying insurance premiums by card. Rewards here are often reduced or capped. Ranked by what each card pays back on ₹5,000 a month, never by what a bank pays us.

10Cards ranked
6%Top rate

1
Axis Bank Burgundy Private Credit Card
6% on insurance premiums, up to ₹4,800 a month
On ₹5,000 a month
₹300 back
A year
₹3,600
Annual fee
₹1,18,000 incl. GST
Apply Worth it for me?
2
HDFC Diners Club Black Metal Edition
3.33% on insurance premiums (the card's base rate)
On ₹5,000 a month
₹167 back
A year
₹2,004
Annual fee
₹11,800 incl. GST
Apply Worth it for me?
3
HDFC Bank Infinia Metal Credit Card
3.3% on insurance premiums, up to ₹10,000 a month
On ₹5,000 a month
₹165 back
A year
₹1,980
Annual fee
₹14,750 incl. GST
Apply Worth it for me?
4
HSBC Premier World Mastercard
3% on insurance premiums, up to ₹3,000 a month
On ₹5,000 a month
₹150 back
A year
₹1,800
Annual fee
₹23,600 incl. GST
Apply Worth it for me?
5
AU Xcite Ace Credit Card
2% on insurance premiums (the card's base rate), up to ₹600 a month
On ₹5,000 a month
₹100 back
A year
₹1,200
Annual fee
₹884 incl. GST
Apply Worth it for me?
6
Tata Neu Infinity SBI Card
1.5% on insurance premiums, up to ₹2,000 a month
On ₹5,000 a month
₹75 back
A year
₹900
Annual fee
₹1,769 incl. GST
Apply Worth it for me?
7
SpiceJet Axis Bank Voyage Black Credit Card
1.5% on insurance premiums (the card's base rate)
On ₹5,000 a month
₹75 back
A year
₹900
Annual fee
₹2,360 incl. GST
Apply Worth it for me?
8
KrisFlyer SBI Card Apex
1.5% on insurance premiums (the card's base rate)
On ₹5,000 a month
₹75 back
A year
₹900
Annual fee
₹11,799 incl. GST
Apply Worth it for me?
9
BOBCARD Uni GoldX Credit Card
1% on insurance premiums (the card's base rate)
On ₹5,000 a month
₹50 back
A year
₹600
Annual fee
Lifetime free
Apply Worth it for me?
10
AU Altura Credit Card
1% on insurance premiums (the card's base rate), up to ₹50 a month
On ₹5,000 a month
₹50 back
A year
₹600
Annual fee
₹235 incl. GST
Apply Worth it for me?

Not ranked, because their terms state no rate on insurance premiums: AU Business Cashback Rupay Credit Card, AU InstaPay Credit Card, AU NOMO Credit Card, AU Zaggle Credit Card, Axis Bank Primus Credit Card, DCB Novio Credit Card, Equitas Bank PowerMiles Credit Card, Equitas Bank Selfe Credit Card, Equitas Bank Tiga Credit Card, HDFC Bank Diners Club Privilege Credit Card, HDFC Bank Freedom Credit Card, HDFC BizBlack Credit Card and 14 more. 83 more cards earn nothing here.

Worked out from each card's published reward rate and monthly cap. Your spending elsewhere and the fee also matter: use Is this card worth its fee? for your own numbers.

Common Questions

Which is the best credit card for insurance premiums?

On our data, Axis Bank Burgundy Private Credit Card pays the most: 6%, about ₹3,600 a year on ₹5,000 a month. The best card for you also depends on your other spending and the fee.

How are these cards ranked?

By what each card pays back on ₹5,000 a month in this category or at this brand, from the bank's published rate and monthly cap. A rate the bank limits to named merchants or its own portal is shown as a note, not ranked, on a category page. A card whose terms state no rate here is not ranked at all. Cards that pay the same are ordered by the lower annual fee. What a bank pays SkyloFin is never part of the ranking.

Are the rates guaranteed?

No. Banks change rates and caps; each card's page shows its recent changes and its source. Check the bank's terms before you apply.

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