Best card for
Best credit card for Insurance
Which card to use for Insurance in India - all 187 cards ranked
by what you actually get back on ₹25,000, after caps, exclusions and fees.
Top cardson ₹25,000
1
Axis Burgundy Private
Pay directly · Insurance capped at 6,000 EDGE RP/month · cap 6,000 ERP/month on insurance (Apr 2024 - was wrongly 8,000)
axis.bank.in · 21 Aug 2026
₹1,594
1,875 pts · 6.38%
2
HDFC Infinia Metal
Pay directly · Insurance: base rate capped 10,000 pts/month · cap 10,000 pts/month
hdfc.bank.in · 22 Aug 2026
₹830
830 pts · 3.32%
3
HDFC Diners Club Black Metal
Pay directly · Insurance: base rate capped 5,000 pts/month · cap 5,000 pts/month
hdfc.bank.in · 22 Aug 2026
₹830
830 pts · 3.32%
4
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹830
830 pts · 3.32%
5
PVR INOX Kotak
Pay directly · 1 free PVR ticket (≤₹300) per ₹10,000 of monthly billed spends - UNCAPPED ticket count
kotak.com · 22 Aug 2026
₹750
3%
6
ICICI Emeralde Private Metal
Pay directly · Insurance: base rate capped 5,000 pts/statement cycle · cap 5,000 RP per statement cycle
icicibank.com · 22 Aug 2026
₹750
750 pts · 3%
7
HSBC Premier
Pay directly · Utilities/rent/wallet/govt/education/insurance/jewellery: points capped · cap cumulative ₹1,00,000 spend/month across these categories
hsbc.co.in · 22 Aug 2026
₹750
750 pts · 3%
8
Air India SBI Signature Card
Pay directly
sbicard.com · 1 Oct 2026
₹600
1,000 pts · 2.4%
9
PhonePe SBI SELECT BLACK
Book it on PhonePe app · 10 RP/₹100 on insurance via PhonePe (separate sub-cap) · cap 500 RP/calendar month (insurance)
sbicard.com · 22 Aug 2026
₹500
500 pts · 2%
10
SC Ultimate
Pay directly · 3 RP / ₹150 on utilities, supermarkets, insurance, schools, govt (2%)
av.sc.com · 20 Aug 2026
₹498
498 pts · 1.99%
Best with no annual fee3
1
Amazon Pay ICICI
Pay directly
icicibank.com · 20 Aug 2026
₹250
1%
2
Uni GoldX
Pay directly · 1% on insurance - capped · cap ₹50,000 monthly spends (MCC 6300, 5960)
media.bobcard.co.in · 21 Sep 2026
₹250
1%
3
CUB SalarySe Level UP Credit Card (Lifetime Free)
Pay directly
cityunionbank.bank.in · 2 Oct 2026
₹250
1,250 pts · 1%
Best if you pay directly3
1
Axis Burgundy Private
Pay directly · Insurance capped at 6,000 EDGE RP/month · cap 6,000 ERP/month on insurance (Apr 2024 - was wrongly 8,000)
axis.bank.in · 21 Aug 2026
₹1,594
1,875 pts · 6.38%
2
HDFC Infinia Metal
Pay directly · Insurance: base rate capped 10,000 pts/month · cap 10,000 pts/month
hdfc.bank.in · 22 Aug 2026
₹830
830 pts · 3.32%
3
HDFC Diners Club Black Metal
Pay directly · Insurance: base rate capped 5,000 pts/month · cap 5,000 pts/month
hdfc.bank.in · 22 Aug 2026
₹830
830 pts · 3.32%
Cards that earn nothing here82
IndianOil HDFC Bank
No Fuel Points on insurance.
hdfc.bank.in · 26 Sep 2026
PhonePe HDFC Bank Ultimo Credit Card
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance.
hdfc.bank.in · 30 Sep 2026
PhonePe HDFC Bank Uno Credit Card
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance.
hdfc.bank.in · 30 Sep 2026
Axis ACE
Insurance excluded.
axis.bank.in · 22 Aug 2026
Axis Magnus
Insurance excluded from EDGE earn and fee waiver. Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
axis.bank.in · 22 Aug 2026
Flipkart Axis Bank
Insurance services excluded (Mar 2023 MCC list).
campaign.axis.bank.in · 22 Aug 2026
Airtel Axis Bank
Insurance services excluded.
axis.bank.in · 22 Aug 2026
Axis Bank Cashback
Insurance MCCs excluded from cashback.
axis.bank.in · 22 Aug 2026
Axis Atlas
Insurance excluded.
axis.bank.in · 22 Aug 2026
Axis Privilege
Insurance excluded.
axis.bank.in · 22 Aug 2026
Axis Reserve
Insurance excluded (Apr 2024).
axis.bank.in · 22 Aug 2026
Axis Magnus for Burgundy
Insurance excluded from EDGE earn and fee waiver. Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
axis.bank.in · 22 Aug 2026
Axis MY Zone
Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards
axis.bank.in · 25 Sep 2026
Axis Select
Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points
axis.bank.in · 25 Sep 2026
Axis Horizon
Transportation & tolls, utilities and telecom, insurance, educational institutions, government institutions, wallet/gift cards, rent and fuel earn no EDGE Miles
axis.bank.in · 25 Sep 2026
IndianOil Axis Bank Credit Card
Insurance, gold/jewellery, wallet, rent, utilities, government institutions and education earn no EDGE REWARDS
axis.bank.in · 25 Sep 2026
Axis Rewards
Transportation & tolls, utility and certain telecom, insurance, educational institutions, government institutions, wallet/wire transfer, rent and fuel MCCs earn no reward points
axis.bank.in · 25 Sep 2026
Axis Bank Neo
No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards.
axis.bank.in · 1 Oct 2026
Fibe Axis Bank Credit Card
No cashback on rent, insurance, education or government service payments.
axis.bank.in · 2 Oct 2026
Axis Bank Supermoney RuPay Credit Card
No cashback on fuel, jewellery, wallet load, insurance, education, government services or rent.
axis.bank.in · 2 Oct 2026
Google Pay Flex Axis Bank Credit Card
No Stars on insurance premium payments.
axis.bank.in · 2 Oct 2026
SBI Cashback Card
Insurance excluded.
sbicard.com · 22 Aug 2026
Flipkart SBI Card
Insurance: 0% cashback (Flipkart card uses a different insurance MCC set than Cashback SBI Card).
sbicard.com · 22 Aug 2026
SBI Card MILES
Insurance transactions earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Prime
Insurance transactions earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Elite
Insurance transactions earn nothing.
sbicard.com · 21 Sep 2026
Kotak 811 #DreamDifferent
Insurance earns no cashback.
kotak811.bank.in · 28 Sep 2026
Kotak League Platinum
Insurance MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Urbane Gold (discontinued)
Insurance MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
IndianOil Kotak
Insurance MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Air+ Prime
Insurance earns nothing.
kotak.bank.in · 21 Aug 2026
Kotak Air
Insurance earns nothing.
kotak.bank.in · 21 Aug 2026
Kotak Air+
Insurance earns nothing.
kotak.bank.in · 21 Sep 2026
Kotak Cashback+ Credit Card
Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI.
kotak.bank.in · 25 Sep 2026
Kotak UPI RuPay Credit Card
w.e.f. 1 June 2025: Insurance, Government and Online skill-based gaming transaction categories also discontinued from earning reward points.
kotak.bank.in · 25 Sep 2026
Kotak Solitaire Credit Card
No Air Miles on rent, wallet, fuel, utility/telecom, insurance, education, government (except tax payments), digital gaming, and international spends.
kotak.bank.in · 30 Sep 2026
HSBC Live+
Insurance: 0% cashback.
hsbc.co.in · 22 Aug 2026
HSBC TravelOne
Insurance: no reward points.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Insurance: no cashback.
hsbc.co.in · 22 Aug 2026
HSBC Taj Credit Card
No reward points on insurance payments.
hsbc.co.in · 25 Sep 2026
RuPay Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Visa Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Amex Membership Rewards
Insurance: no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Platinum Travel
Insurance: no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex SmartEarn
Insurance: no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Platinum Reserve
Insurance: no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Gold Charge
Insurance: no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Platinum Charge
Insurance: no MR points (MR T&C Section III.1(a) - categories only, no MCC codes published).
americanexpress.com · 22 Aug 2026
Scapia (Federal Bank)
Insurance earns nothing.
res.cloudinary.com · 22 Aug 2026
IndianOil RBL XTra
Insurance (and miscellaneous 5960) earn nothing.
webassets.rbl.bank.in · 22 Aug 2026
RBL Play (BookMyShow)
Insurance excluded from milestone/waiver spends.
webassets.rbl.bank.in · 22 Aug 2026
YES Bank Marquee
Insurance earns nothing (MCC 6300/6381, Jun 2026).
yes.bank.in · 20 Aug 2026
BOBCARD Eterna
Insurance earns nothing.
media.bobcard.co.in · 22 Aug 2026
Shoprite Credit Card
Insurance premium payments earn no reward points.
rbl.bank.in · 25 Sep 2026
Nova Credit Card
Insurance premium payments earn no reward points.
rbl.bank.in · 25 Sep 2026
ELITE+
No reward points on insurance (from 15 Jun 2026).
yes.bank.in · 25 Sep 2026
IRCTC BOBCARD
No reward points on insurance payments.
media.bobcard.co.in · 25 Sep 2026
Premier
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Select
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Easy
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Snapdeal BOBCARD
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Cashback
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Tiara
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
HPCL Energie
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Prime
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Paisabazaar Paisaback
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.
federal.bank.in · 1 Oct 2026
Imperium Platinum Credit Card
No Delight Points on insurance premiums (MCC 6300, 6381, 5960), per the Credit Card MITC.
idbibank.in · 1 Oct 2026
CUB CSK RuPay Platinum Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach RuPay Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Insurance payments (MCC 5960-6399) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CSB Bank Edge+ Credit Card
Jewels are not awarded on insurance premium or insurance sales/underwriting transactions (MCC 6381, 6300).
csb.bank.in · 2 Oct 2026
Edge CSB Bank Credit Card
Jewels are not awarded on insurance premium or insurance sales/underwriting transactions (MCC 6381, 6300).
csb.bank.in · 2 Oct 2026
Eternal Credit Card
Insurance payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Rhodium Credit Card
Insurance payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
SmartGen Credit Card
Insurance payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
superCard
Insurance, post office, transit (transport) and utilities payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Klick Credit Card
No YES Rewardz points on insurance premium payments
yes.bank.in · 2 Oct 2026
Questions
Which credit card is best for Insurance?
Axis Burgundy Private is the best card for Insurance. It nets ₹1,594 on a ₹25,000 spend. Pay directly.
Which cards give nothing on Insurance?
82 of the cards we track earn nothing on Insurance, including IndianOil HDFC Bank, PhonePe HDFC Bank Ultimo Credit Card, PhonePe HDFC Bank Uno Credit Card, Axis ACE, Axis Magnus and 77 more.
Is a gift voucher better than paying directly for Insurance?
Paying directly with Axis Burgundy Private nets ₹1,594 on ₹25,000, at least as much as the best voucher route (PhonePe SBI SELECT BLACK at ₹500).