Funds made in direction of insurance coverage premiums are normally an everyday expense for most people and managing them by way of bank cards could be fairly handy. Nevertheless, regardless of having an array of card choices out there that can help you make these funds, this spending class is usually excluded from the bank card rewards packages. Regardless that most bank cards include complimentary insurance coverage protection associated to journey, emergency hospitalisation and unintentional demise, only a few supply rewards or different advantages on insurance coverage premium funds. So, discovering the very best bank cards for insurance coverage funds which might can help you maximise your financial savings might show to be troublesome. To simplify this process and assist you choose the most-suited card which not solely helps you make the funds easily, but in addition presents first rate value-back, now we have listed a number of the finest bank cards for insurance coverage funds under.
Unique Card Presents from India’s high banks are only a click on away
Greatest Credit score Playing cards for Insurance coverage Cost 2025
Amazon Pay ICICI Credit score Card
Becoming a member of charge: ₹0
Annual/Renewal Payment: ₹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
Normal Chartered Sensible Credit score Card
Becoming a member of charge: ₹499
Annual/Renewal Payment: ₹499
2X cashback on on-line spends
Low curiosity of 0.99% monthly on bank card EMIs
Product Particulars
- 2X cashback on on-line procuring
- 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% monthly
Swiggy HDFC Financial institution Credit score Card
Becoming a member of charge: ₹500
Annual/Renewal Payment: ₹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 charge waived off on Rs. 2 lakh annual spends
HDFC Millennia Credit score Card
Becoming a member of charge: ₹1000
Annual/Renewal Payment: ₹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 listing 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
Tata Neu Infinity HDFC Credit score Card
Becoming a member of charge: ₹1499
Annual/Renewal Payment: ₹1499
5% NeuCoins on all non-EMI spends at Tata Neu & its companion manufacturers
8 home and 4 worldwide Precedence Cross lounge entry per yr
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
- Extra 5% NeuCoins on choose spends at Tata Neu app/web site
- Low foreign exchange markup charge of two%
HDFC Regalia Gold Credit score Card
Becoming a member of charge: ₹2500
Annual/Renewal Payment: ₹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 fee of becoming a member of charge
- 6 complimentary worldwide lounge visits & 12 complimentary home airport lounge visits per yr
- 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
Titan SBI Credit score Card
Becoming a member of charge: ₹2999
Annual/Renewal Payment: ₹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
YES Financial institution Marquee Credit score Card
Becoming a member of charge: ₹9999
Annual/Renewal Payment: ₹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 yr
Product Particulars
- 1% foreign exchange mark-up charge
- As much as 12 complimentary golf classes in a yr & 4 inexperienced charge waivers at choose golf programs in India
- 60,000 and 20,000 YES Rewardz Factors on becoming a member of and renewal charge funds respectively
- B1G1 supply with as much as Rs. 800 off per BookMyShow film ticket with max. 3 free tickets monthly
- Min. 15% off on eating through Eating Fiesta program
Greatest Insurance coverage Credit score Playing cards in India 2025
Listed below are the finest 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 Payment: Nil
Annual Payment: 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 trying to earn cashback on their insurance coverage premium funds. This ICICI financial institution bank card not solely presents a base cashback charge of 1% however can also be a lifetime free bank card. Aside from this, cardholders may save as much as 5% on Amazon spends and a pair of% on companion manufacturers, thus protecting many of the procuring classes, together with electronics, furnishings, private care, groceries, house decor, attire, and lots of others. Moreover, it supplies incremental cashback on Amazon spends for Prime members, making it perfect for individuals who are loyal to the e-commerce platform. The cardboard’s zero annual charge, welcome advantages and cashback characteristic, provides worth past insurance coverage funds, making it a well-rounded possibility for on a regular basis spenders.
Examine Out: Greatest Lifetime Free Credit score Playing cards in India
2. Normal Chartered Sensible Credit score Card
Becoming a member of Payment: Rs. 499
Annual Payment: Rs. 499 (Waived on spending Rs. 1.2 lakh within the earlier yr)
Key Options and Advantages:
- 2% cashback on on-line card spends
- 1% cashback on all different spends
This Normal Chartered bank card is an efficient possibility for individuals who favor 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 web shoppers. Although the cashback right here is capped at Rs. 1,000 for on-line and Rs. 500 for offline spends respectively monthly, cardholders can nonetheless save a good quantity at a low annual charge 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 Payment: Rs. 500
Annual Payment: Rs. 500 (Waived on spending Rs. 2 lakh in a yr)
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/classes and 50% off on inexperienced charge past free classes through Mastercard
Swiggy HDFC bank card is tailor-made for Swiggy loyalists and web shoppers with 10% cashback on Swiggy and 5% on all on-line purchases. So, if cardholders make insurance coverage funds on-line they’d 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 simply co-branded spends, but in addition provides a superb 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 Payment: Rs. 749
Annual Payment: 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 monthly through Practo
- 4 free private and 16 pre-recorded video exercise classes monthly through Fitternity
- As much as Rs. 500 off on annual well being checkup through IndushealthPlus
- 30% off on dietary/food plan session and dietary meals
- As much as 15% off on eating through EazyDiner
Whereas many bank cards solely supply the bottom rewards charge on insurance coverage funds, this Axis financial institution bank card presents an accelerated charge of 5% EDGE reward factors on each Rs. 200 spent on this class. This characteristic makes it stand out amongst different card choices with regards to rewards earnings on bank card insurance coverage funds. Nevertheless, level to notice right here is that the financial institution has capped the utmost insurance coverage fee 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 might fluctuate 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 charge 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 Payment: Rs. 1,000
Annual Payment: Rs. 1,000 (Waived on spending Rs. 1 lakh in a yr)
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 charge fee
- 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 monthly
6. Tata Neu Infinity HDFC Financial institution Credit score Card
Becoming a member of Payment: Rs. 1,499
Annual Payment: Rs. 1,499 (Waived on spending Rs. 3 lakh in a yr)
Key Options and Advantages:
- 5% again as NeuCoins on non-EMI spends on Tata Neu and companion manufacturers
- Additional 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 yr
- 4 complimentary worldwide airport lounge visits per yr
7. HDFC Regalia Gold Credit score Card
Becoming a member of Payment: Rs. 2,500
Annual Payment: Rs. 2,500 (Waived on spending Rs. 4 lakh in a yr)
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 training
- 12 home and 6 worldwide airport lounge visits per yr
- 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 charge fee
- 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 Payment: Rs. 2,999
Annual Payment: Rs. 2,999 (Waived on spending Rs. 3 lakh in a yr)
Key Options and Advantages:
- 6 reward factors per Rs. 100 spent on all classes exterior 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 charge fee
- Milestone advantages price Rs. 5,000 on Rs. 5 lakh annual spends and price Rs. 10,000 on Rs. 10 lakh annual spends
- 8 complimentary home and 4 worldwide airport lounge visits per yr
9. Consumers Cease Black HDFC Financial institution Credit score Card
Becoming a member of Payment: Rs. 4,500
Annual Payment: 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 monthly for a single Consumers Cease buy of min. Rs. 50,000 through the weekend
- 16 home and eight worldwide airport lounge entry per yr
- Consumers Cease voucher of Rs. 1,500 as welcome profit
10. YES Financial institution Marquee Credit score Card
Becoming a member of Payment: Rs. 9,999
Annual Payment: 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 charge of 1%
- 4 inexperienced charge waivers & as much as 12 golf classes per yr at choose golf programs in India
- Limitless worldwide and as much as 24 home airport lounge visits per yr
- Purchase 1 get 1 supply with as much as Rs. 800 off per film ticket on BookMyShow
Prime Premium Credit score Playing cards for Insurance coverage Funds
Along with the above-mentioned finest bank cards, there are some premium playing cards that gives reward advantages on insurance coverage premium funds, as listed under:
