Top Credit Cards for Insurance Payment in India 2026

Here are the best credit cards for insurance payments that reward you with decent value-back:

1. 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.

Check Out: Best Lifetime Free Credit Cards in India

2. 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 online purchases. If cardholders make insurance payments using this card they would earn 1% value-back as only select merchant categories are eligible for accelerated cashback. 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.

3. 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.

4. 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

5. 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

6. 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

7. 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

8. 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

9. 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