Funds made in the direction of insurance coverage premiums are normally an everyday expense for most people and managing them by bank cards could be fairly handy. Nonetheless, regardless of having an array of card choices accessible that will let you make these funds, this spending class is usually excluded from the bank card rewards packages. Although most bank cards include complimentary insurance coverage protection associated to journey, emergency hospitalisation and unintended loss of life, only a few supply rewards or different advantages on insurance coverage premium funds. So, discovering one of the best bank cards for insurance coverage funds which might will let you maximise your financial savings could show to be troublesome. To simplify this job and assist you choose the most-suited card which not solely helps you make the funds easily, but in addition affords first rate value-back, we now have listed a number of the greatest bank cards for insurance coverage funds beneath.
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Greatest Credit score Playing cards for Insurance coverage Fee 2025
Amazon Pay ICICI Credit score Card

Becoming a member of payment: ₹0
Annual/Renewal Charge: ₹0
As much as 5% cashback on Amazon purchases
1% cashback throughout all offline spends
Product Particulars
- 5% cashback on Amazon spends for Prime members
- 3% cashback on Amazon spends for Non-prime members
- 2% cashback on spends at Amazon Pay companion retailers
- 1% cashback on different spends
- 1% waiver on gas surcharge throughout all petrol pumps in India
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Commonplace Chartered Good Credit score Card

Becoming a member of payment: ₹499
Annual/Renewal Charge: ₹499
2X cashback on on-line spends
Low curiosity of 0.99% per 30 days on bank card EMIs
Product Particulars
- 2X cashback on on-line purchasing
- Prolonged curiosity free credit score interval for the primary 90 days by paying solely the minimal quantity due
- Convert transactions into EMIs at an rate of interest of 0.99% per 30 days
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Swiggy HDFC Financial institution Credit score Card

Becoming a member of payment: ₹500
Annual/Renewal Charge: ₹500
10% cashback on Swiggy meals orders, Instamart, Dineout & Genie
5% cashback on on-line spends
Product Particulars
- 1% cashback on different spends
- As much as Rs. 3,500 cashback in a month
- 3-month Swiggy One Membership price Rs. 1,199 on card activation
- Renewal payment waived off on Rs. 2 lakh annual spends
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HDFC Millennia Credit score Card

Becoming a member of payment: ₹1000
Annual/Renewal Charge: ₹1000
5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & extra
1% cashback on spends at different classes
Product Particulars
- On spending Rs. 1 Lakh in 1 / 4: Both avail 1 complimentary lounge entry OR a voucher price Rs. 1,000 from the checklist of related manufacturers
- As much as 20% off on eating at companion eating places through Swiggy Dineout
- 1% gas surcharge waiver on transactions between Rs. 400 and Rs. 5,000
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Tata Neu Infinity HDFC Credit score Card

Becoming a member of payment: ₹1499
Annual/Renewal Charge: ₹1499
5% NeuCoins on all non-EMI spends at Tata Neu & its companion manufacturers
8 home and 4 worldwide Precedence Go lounge entry per 12 months
Product Particulars
- 1,499 NeuCoins after the primary spend inside 30 days of card issuance
- 1.5% NeuCoins on UPI, non-Tata model and service provider EMI spends
- Further 5% NeuCoins on choose spends at Tata Neu app/web site
- Low foreign exchange markup payment of two%
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HDFC Regalia Gold Credit score Card

Becoming a member of payment: ₹2500
Annual/Renewal Charge: ₹2500
5X reward factors on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward factors per Rs. 150 throughout all retail spends
Product Particulars
- Complimentary Swiggy One & MMT Black Elite Memberships
- Reward voucher price Rs. 2,500 on the cost of becoming a member of payment
- 6 complimentary worldwide lounge visits & 12 complimentary home airport lounge visits per 12 months
- Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers price Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers price Rs. 5,000 on annual spends of Rs. 5 Lakh
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Titan SBI Credit score Card

Becoming a member of payment: ₹2999
Annual/Renewal Charge: ₹2999
As much as 7.5% cashback on Titan group manufacturers
3% again on spends at Tanishq
Product Particulars
- 3% value-back on spends at Tanishq (Quarterly capping of Rs. 25,000)
- 5% cashback on spends at Mia/Caratlane/Zoya (Quarterly capping of Rs. 10,000)
- 7.5% cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata (Quarterly capping of Rs. 10,000)
- 6 reward factors per Rs. 100 on different spends
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YES Financial institution Marquee Credit score Card

Becoming a member of payment: ₹9999
Annual/Renewal Charge: ₹4999
36 YES Rewardz Factors per Rs. 200 spent on-line & 18 on offline spends
As much as 24 home & limitless worldwide airport lounge visits per 12 months
Product Particulars
- 1% foreign exchange mark-up payment
- As much as 12 complimentary golf classes in a 12 months & 4 inexperienced payment waivers at choose golf programs in India
- 60,000 and 20,000 YES Rewardz Factors on becoming a member of and renewal payment funds respectively
- B1G1 supply with as much as Rs. 800 off per BookMyShow film ticket with max. 3 free tickets per 30 days
- Min. 15% off on eating through Eating Fiesta program
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Greatest Insurance coverage Credit score Playing cards in India 2025
Listed here are the greatest bank cards for insurance coverage funds that reward you with first rate value-back:
1. Amazon Pay ICICI Credit score Card
Becoming a member of Charge: Nil
Annual Charge: Nil
Key Options and Advantages:
- 5% cashback on Amazon for Prime Clients
- 3% cashback on Amazon for Non-Prime Clients
- 2% cashback on 100+ companion retailers
- 1% cashback on all different transactions, together with insurance coverage spends
- Welcome advantages price Rs. 2,000
- 1% waiver on gas surcharge throughout all petrol pumps in India
Amazon Pay ICICI Credit score Card is a good alternative for these seeking to earn cashback on their insurance coverage premium funds. This ICICI financial institution bank card not solely affords a base cashback fee of 1% however can also be a lifetime free bank card. Aside from this, cardholders can even save as much as 5% on Amazon spends and a couple of% on companion manufacturers, thus protecting many of the purchasing classes, together with electronics, furnishings, private care, groceries, dwelling decor, attire, and lots of others. Moreover, it gives incremental cashback on Amazon spends for Prime members, making it preferrred for many who are loyal to the e-commerce platform. The cardboard’s zero annual payment, welcome advantages and cashback characteristic, provides worth past insurance coverage funds, making it a well-rounded possibility for on a regular basis spenders.
Verify Out: Greatest Lifetime Free Credit score Playing cards in India
2. Commonplace Chartered Good Credit score Card
Becoming a member of Charge: Rs. 499
Annual Charge: Rs. 499 (Waived on spending Rs. 1.2 lakh within the earlier 12 months)
Key Options and Advantages:
- 2% cashback on on-line card spends
- 1% cashback on all different spends
This Commonplace Chartered bank card is an effective possibility for many who want getting value-back within the type of cashback on their insurance-related and different spends. With 2% cashback on insurance coverage premiums, if paid on-line, and 1% on offline funds, this card comes with a hassle-free cashback program with larger value-back for internet buyers. Although the cashback right here is capped at Rs. 1,000 for on-line and Rs. 500 for offline spends respectively per 30 days, cardholders can nonetheless save a good quantity at a low annual payment which can also be simply waived off by satisfying the annual spend-based situation.
3. Swiggy HDFC Financial institution Credit score Card
Becoming a member of Charge: Rs. 500
Annual Charge: Rs. 500 (Waived on spending Rs. 2 lakh in a 12 months)
Key Options and Advantages:
- 10% cashback on Swiggy app for spends associated to meals ordering, Instamart, Dineout and Genie
- 5% cashback on different on-line spends
- 1% cashback on all different classes
- Complimentary 3 months Swiggy One membership on card activation
- 4 complimentary inexperienced charges rounds, 12 free golf classes/periods and 50% off on inexperienced payment past free periods through Mastercard
Swiggy HDFC bank card is tailor-made for Swiggy loyalists and internet buyers with 10% cashback on Swiggy and 5% on all on-line purchases. So, if cardholders make insurance coverage funds on-line they might earn 5% value-back, whereas offline funds would give 1% returns. As among the finest cashback playing cards, this HDFC financial institution bank card doesn’t restrict its advantages to only co-branded spends, but in addition offers a great value-back throughout spending classes. The added advantages of complimentary Swiggy One membership and golf entry make this card an much more interesting possibility.
4. Axis Financial institution Aura Credit score Card
Becoming a member of Charge: Rs. 749
Annual Charge: Rs. 749
Key Options and Advantages:
- 10 EDGE rewards factors per Rs. 200 spent on insurance coverage
- 2 EDGE rewards factors per Rs. 200 spent
- Rs. 750 Decathlon voucher as welcome bonus
- 4 free video physician consultations per 30 days through Practo
- 4 free private and 16 pre-recorded video exercise periods per 30 days through Fitternity
- As much as Rs. 500 off on annual well being checkup through IndushealthPlus
- 30% off on dietary/weight loss program session and dietary meals
- As much as 15% off on eating through EazyDiner
Whereas many bank cards solely supply the bottom rewards fee on insurance coverage funds, this Axis financial institution bank card affords an accelerated fee of 5% EDGE reward factors on each Rs. 200 spent on this class. This characteristic makes it stand out amongst different card choices on the subject of rewards earnings on bank card insurance coverage funds. Nonetheless, level to notice right here is that the financial institution has capped the utmost insurance coverage cost quantity at Rs. 10,000 for each transaction which could be limiting for these with excessive premiums. The earned reward factors can later be used to make purchases from the rewards catalogue, the place their redemption worth could differ relying on the redemption possibility you select. Different card options are primarily targeted on well being and health which isn’t quite common for many bank cards both. So, those that want to avail larger rewards fee on insurance coverage spends and wish health-related advantages can think about this card.
5. HDFC Financial institution Millennia Credit score Card
Becoming a member of Charge: Rs. 1,000
Annual Charge: Rs. 1,000 (Waived on spending Rs. 1 lakh in a 12 months)
Key Options and Advantages:
- 5% cashback on Amazon, Myntra, Flipkart, BookMyShow, Cult.match, Sony LIV, Zomato, Swiggy, Tata CLiQ and Uber
- 1% cashback on all different spends, together with insurance coverage
- 1,000 CashPoints on becoming a member of/ annual payment cost
- As much as 20% off on eating through Swiggy Dineout
- Alternative between present voucher of Rs. 1,000 and 1 Dreamfolks airport lounge entry on reaching Rs. 1 lakh quarterly spends
- 1% gas surcharge waiver, as much as Rs. 250 per 30 days
6. Tata Neu Infinity HDFC Financial institution Credit score Card
Becoming a member of Charge: Rs. 1,499
Annual Charge: Rs. 1,499 (Waived on spending Rs. 3 lakh in a 12 months)
Key Options and Advantages:
- 5% again as NeuCoins on non-EMI spends on Tata Neu and companion manufacturers
- Further 5% again as NeuCoins on Tata Neu platforms after NeuPass registration on Tata Neu app
- 1.5% again as NeuCoins on non-Tata manufacturers, insurance coverage and service provider EMI spends
- As much as 1.5% again as NeuCoins on UPI spends
- 1,499 NeuCoins on Tata Neu App as welcome bonus
- 8 complimentary home airport lounge visits per 12 months
- 4 complimentary worldwide airport lounge visits per 12 months
7. HDFC Regalia Gold Credit score Card
Becoming a member of Charge: Rs. 2,500
Annual Charge: Rs. 2,500 (Waived on spending Rs. 4 lakh in a 12 months)
Key Options and Advantages:
- 5X rewards at Nykaa, Myntra, Marks & Spencer and Reliance Digital
- 4 reward factors per Rs. 150 spent on different classes, together with insurance coverage, utilities and schooling
- 12 home and 6 worldwide airport lounge visits per 12 months
- Swiggy One and MMT Black Gold memberships as spend-based becoming a member of bonus
- Reward voucher of Rs. 2,500 on becoming a member of payment cost
- Rs. 1,500 voucher from Marriott, Reliance Digital, Myntra, or Marks & Spencer on Rs. 1.5 lakh quarterly spends
- Rs. 5,000 flight voucher every on Rs. 5 lakh and Rs. 7.5 lakh annual spends, respectively
- As much as 7.5% financial savings on eating through Swiggy Dineout
8. Titan SBI Credit score Card
Becoming a member of Charge: Rs. 2,999
Annual Charge: Rs. 2,999 (Waived on spending Rs. 3 lakh in a 12 months)
Key Options and Advantages:
- 6 reward factors per Rs. 100 spent on all classes outdoors Titan spends, together with insurance coverage
- 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% again as present vouchers on spends at Tanishq
- 12,000 reward factors on becoming a member of payment cost
- Milestone advantages price Rs. 5,000 on Rs. 5 lakh annual spends and value Rs. 10,000 on Rs. 10 lakh annual spends
- 8 complimentary home and 4 worldwide airport lounge visits per 12 months
9. Consumers Cease Black HDFC Financial institution Credit score Card
Becoming a member of Charge: Rs. 4,500
Annual Charge: Rs 4,500
Key Options and Advantages:
- 7% reward factors on Consumers Cease spends
- 2% reward factors on non-Consumers Cease spends, together with insurance coverage
- Complimentary Consumers Cease Black membership
- Rs. 2,000 earnings per 30 days for a single Consumers Cease buy of min. Rs. 50,000 in the course of the weekend
- 16 home and eight worldwide airport lounge entry per 12 months
- Consumers Cease voucher of Rs. 1,500 as welcome profit
10. YES Financial institution Marquee Credit score Card
Becoming a member of Charge: Rs. 9,999
Annual Charge: Rs. 4,999
Key Options and Advantages:
- 36 YES Rewardz factors per Rs. 200 spent on-line
- 18 YES Rewardz factors per Rs. 200 spent offline
- 10 YES Rewardz factors per Rs. 200 spent on choose classes, like insurance coverage, pockets, recharge, rental, utility invoice and different govt. funds
- Low foreign exchange mark-up payment of 1%
- 4 inexperienced payment waivers & as much as 12 golf classes per 12 months at choose golf programs in India
- Limitless worldwide and as much as 24 home airport lounge visits per 12 months
- Purchase 1 get 1 supply with as much as Rs. 800 off per film ticket on BookMyShow
High Premium Credit score Playing cards for Insurance coverage Funds
Along with the above-mentioned greatest bank cards, there are some premium playing cards that provides reward advantages on insurance coverage premium funds, as listed beneath: