Looking to earn rewards while paying your insurance premiums? Whether it’s life, health, or car insurance, choosing the best credit card for insurance payment can help you save more and earn points on every transaction. Many people often ask, “Which credit card gives reward points on insurance premium?” The right card not only offers cashback or points but also makes premium payments more convenient. In this blog, we’ll guide you through the best credit card to pay insurance, highlighting cards that offer benefits like bonus rewards, fee waivers, and secure payment options. Read on to find the perfect credit card for your insurance expenses and turn mandatory payments into smart savings.
Top 10 Best Credit Card For Insurance Payment August 2025
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Credit Card Name |
Insurance Offer / Benefit |
Explore Now |
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HDFC Infinia Credit Card (Metal Edition) |
3 Reward Points per ₹150 |
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HDFC Diners Club Black Credit Card (Metal Edition) |
Up to 3.3% rewards |
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HDFC Tata Neu Infinity Credit Card |
5% NeuCoins on insurance payments made via Tata Neu App |
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ICICI Amazon Pay Credit Card |
Up to 2% cashback on insurance premiums via Amazon Pay |
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5. Standard Chartered Smart Credit Card |
2% cashback on insurance payments under utility category |
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HSBC Premier Credit Card |
Earn up to 3X points |
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ICICI Emeralde Private Metal Credit Card |
Insurance bundled benefits + up to 1.5% cashback on spends |
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SBI Card Elite |
Earn up to 2 Reward Points per ₹100 on insurance + covers |
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YES Private/Private Prime Credit Card |
Up to 2.5% rewards on insurance premium + LIC payment perks |
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American Express Platinum Travel Credit Card |
Up to 1 Membership Reward point per ₹50 spent on insurance |
1. HDFC Infinia Credit Card (Metal Edition)
If you’re someone who frequently pays high-value insurance premiums, the HDFC Infinia Credit Card (Metal Edition) is one of the best credit cards for insurance payments. It’s a super-premium card packed with luxury benefits and impressive rewards. Whether you’re paying your life insurance, health insurance, or car insurance, this card offers unmatched value and exclusive privileges.
Offers on Insurance Payment
- Earn 3 Reward Points per ₹150 spent on insurance payments.
- Use earned points to redeem for flights, hotels, and gifts from the HDFC SmartBuy portal.
- No cap on reward points in most spending categories (except SmartBuy, insurance, and utilities).
- Enjoy lounge access, concierge services, and golf privileges along with your insurance payment benefits.
- Insurance payments made through this card are secure and trackable, with detailed billing.
With such high reward potential, the Infinia card is often called the best card for insurance payment, especially for users looking for premium services along with reward accumulation. It truly fits the needs of those asking for the best credit card to pay insurance premium with added lifestyle perks.
Looking for insurance premium payment through credit card offers that deliver luxury, rewards, and convenience? The HDFC Infinia Metal Edition should be on your radar.
2. HDFC Diners Club Black Credit Card (Metal Edition)
The HDFC Diners Club Black Credit Card is one of the best options if you’re looking for a premium credit card for insurance payments. Known for its exclusive lifestyle privileges and high reward rates, this card also offers excellent benefits when you pay insurance premiums.
Whether it’s life, health, or vehicle insurance, this card ensures your payments are rewarding and seamless. It’s a great pick if you’re searching for the best credit card to pay insurance.
Insurance Payment Benefits:
- Earn 3 Reward Points per ₹150 spent on insurance premium payments.
- Redeem points for flight and hotel bookings via HDFC SmartBuy or convert them to Airmiles.
- Enjoy complimentary airport lounge access, golf sessions, and other lifestyle privileges.
- Great for those who want a credit card with insurance payment offers and luxury perks.
- Comes with monthly milestone benefits and renewal fee waivers on high annual spends.
If you’re someone who regularly pays large premiums, this is one of the best credit cards for insurance premium payments. Plus, with the HDFC credit card insurance payment offer, you also earn rewards while staying covered.
Looking for peace of mind and rewards in one card? The Diners Club Black is a smart choice for premium users.
3. HDFC Tata Neu Infinity Credit Card
The HDFC Tata Neu Infinity Credit Card is a smart option for those who frequently spend on Tata brand platforms and want rewards on essential payments like insurance. Powered by HDFC and integrated with Tata Neu’s ecosystem, this card ensures both value and protection.
Insurance Benefits:
- Earn up to 5% NeuCoins on insurance premium payment through credit card via the Tata Neu app.
- Ideal for LIC premium payment through credit card offers, especially within the Tata network.
- Enjoy credit card life insurance benefit and travel-related insurance coverage.
- NeuCoins earned can be redeemed across Tata brands like Croma, 1mg, Air India, etc.
- Access zero-cost EMI on high-value insurance transactions and milestone rewards.
- Includes features supporting credit card insurance in India with a user-friendly app for easy management.
If you’re searching for a credit card insurance policy that also rewards your spends, this card blends savings and flexibility.
4. ICICI Amazon Pay Credit Card
The ICICI Amazon Pay Credit Card is a reliable option for users who want to earn cashback on essential spends, including insurance premiums. With zero annual fees and strong cashback rewards, it serves as a practical choice for both online shopping and bill payments.
Insurance Benefits
- Earn up to 5% cashback on insurance premium payments when paid through Amazon Pay (for Prime members).
- Pay LIC premium online using your credit card with minimal processing charges.
- Enjoy credit card insurance in India including zero liability protection in case of lost or stolen cards.
- Secure platform for Swiggy Health Insurance card download and other Amazon insurance services.
- Offers excellent value for those seeking credit card insurance policy benefits without additional fees.
Whether you’re looking for the best credit card cashback deals or a way to manage your monthly insurance payments efficiently, the ICICI Amazon Pay Credit Card delivers both savings and security.
5. Standard Chartered Smart Credit Card
The Standard Chartered Smart Credit Card is a practical choice for daily spends and essential payments, especially if you’re looking for a credit card to pay medical bills or cover insurance premiums. With straightforward benefits and low-cost features, it’s one of the best credit cards for budget-conscious users who still want rewards.
Insurance Benefits
- Offers flexibility to pay medical bills and insurance premiums using your credit limit.
- Ideal if you’re looking for a credit card insurance plan that fits daily lifestyle spending.
- Includes complimentary insurance coverage, such as fraud protection and emergency card replacement.
- Earn cashback on wallet reloads, making it one of the best credit cards for wallet usage.
- Get EMIs at 0.99% interest on insurance and healthcare expenses.
Whether you’re covering an unexpected hospital bill or paying life insurance, this card offers both convenience and savings.
6. HSBC Premier Credit Card
The HSBC Premier Credit Card is one of the best credit cards for insurance payment in India, especially for high-net-worth individuals who want premium privileges along with meaningful rewards. With no extra charges on premium payments and exclusive insurance-related perks, it’s a smart pick for those who regularly pay large insurance premiums.
Insurance Benefits
- Easily pay insurance premium with credit card without charges, making it cost-effective.
- Earn reward points on insurance premium payments, which can be redeemed for vouchers or air miles.
- Avail exclusive credit card offers on insurance premium payment through HSBC’s tie-ups with top insurance providers.
- Offers travel and medical insurance coverage as part of the card benefits, making it suitable for global users.
- One of the best credit cards to pay insurance premiums if you want premium services and international acceptance.
The HSBC Premier Credit Card gives you peace of mind when managing insurance expenses — combining safety, convenience, and rewards.
7. ICICI Emeralde Private Metal Credit Card
The ICICI Emeralde Private Metal Credit Card is a premium lifestyle card designed for individuals who expect top-tier service and exclusive benefits. It stands out not only for its luxury privileges but also as one of the best credit cards for insurance payments. Whether you’re paying a life insurance premium or a health insurance policy, this card ensures your experience is smooth, rewarding, and hassle-free.
Insurance Benefits
- Considered one of the best cards for insurance payment due to its premium features and convenience.
- Allows insurance premium payment through credit card without additional charges, depending on the provider.
- Offers complimentary travel insurance and emergency medical coverage for domestic and international trips.
- Ideal for those looking for a credit card with insurance benefits bundled with concierge services and airport lounge access.
- Use the card to pay insurance premiums and earn reward points, which can be redeemed for vouchers or travel.
- A great choice for those seeking the best credit card to pay insurance premium with prestige and luxury.
If you’re looking for exclusivity and benefits beyond regular cashback or rewards, the ICICI Emeralde Private Metal Credit Card is one of the best credit cards for insurance and other high-value transactions.
8. SBI Card Elite
The SBI Card ELITE is a premium lifestyle credit card that offers great rewards, exclusive privileges, and added protection. It is a smart choice if you are looking for the best credit card for insurance premium payments along with luxury benefits like airport lounge access, travel perks, and movie vouchers.
Insurance Benefits
- Considered one of the best credit cards with insurance benefits, offering complimentary travel insurance and air accident cover.
- Get global and domestic credit card insurance policy coverage when you use the card for bookings and travel-related purchases.
- Makes insurance premium payment through credit card smooth and rewarding — you earn reward points on such payments.
- Helps reduce credit card insurance India charges by offering value-back in the form of reward points.
- Eligible for milestone benefits and bonus reward points even when you use it for insurance premium payments.
- Often included in bank tie-up offers, especially alongside HDFC credit card insurance payment offers, giving users alternative premium card choices.
If you’re someone who regularly pays insurance premiums and wants value beyond just payment convenience, the SBI Card ELITE stands out as a solid pick for a credit card insurance solution with added lifestyle perks.
9. YES Private/Private Prime Credit Card
The YES Private/Private Prime Credit Card is an ultra-premium card designed for high-net-worth individuals who want a blend of luxury, rewards, and protection. Along with lifestyle privileges, this card offers multiple benefits when it comes to insurance premium payments and overall credit card insurance in India.
Insurance Benefits
- Enjoy credit card life insurance benefits, including personal accident cover and air travel insurance when you use the card for bookings.
- Avail LIC premium payment through credit card offers during promotional periods from YES BANK or via partner apps.
- One of the best credit card cashback deals for premium users—earn reward points on insurance transactions with no upper cap.
- Helps reduce LIC premium online payment credit card charges when used through select platforms offering zero-convenience fee deals.
- Stands out as the best credit card for miles and cashback, with accelerated reward points that can be redeemed for air miles, hotel stays, or cash credit.
- Ideal for customers looking for luxury plus protection with a robust credit card insurance policy that covers travel-related incidents, medical emergencies, and more.
With its high-end features, reward flexibility, and insurance-linked benefits, the YES Private/Private Prime Credit Card is perfect for individuals who value both premium experiences and financial safety.
10. American Express Platinum Travel Credit Card
The American Express Platinum Travel Credit Card is a top-tier option for frequent travellers who also want to maximise rewards on everyday spends — including insurance premium payments. Packed with travel privileges and value-back features, this card is also a solid choice when it comes to paying your insurance bills.
Insurance Benefits
- One of the best credit cards to pay insurance premium, especially for users who value travel benefits and reward points.
- Earn Membership Rewards Points even on insurance transactions — ideal for those asking, “which credit card gives reward points on insurance premium?“
- Benefit from seasonal insurance premium payment through credit card offers by American Express and its partners.
- Comes with built-in credit card with insurance features like travel accident coverage and emergency assistance during trips.
- A strong alternative to HDFC credit card insurance payment offer, giving you premium support and redemption flexibility through Amex Travel services.
- Recognized as one of the best credit cards for insurance premium for users who want to turn big payments into free travel vouchers.
This card is perfect for people who frequently pay high-value bills like insurance premiums and want to earn travel rewards in return. With premium customer service, high reward value, and global benefits, the American Express Platinum Travel Credit Card offers an excellent mix of utility and luxury.
What is the best credit card for insurance payment in India?
The Amazon Pay ICICI, HDFC Regalia, and SBI Elite cards are among the best credit cards for insurance payments in India due to cashback and reward benefits.
Can I pay insurance premium with a credit card without charges?
Yes, many cards like ICICI Amazon Pay and HDFC Millennia allow zero extra charges on insurance premium payments when paid via official platforms.
Are there any credit card offers on insurance premium payment?
Yes, banks like HDFC, SBI, and ICICI often run cashback or reward point offers on insurance premium payments made through their credit cards.
Which is the best credit card for insurance payment?
Cards like HDFC Regalia, Axis Magnus, and ICICI Emeralde are considered best for insurance payments due to rewards, zero-cost EMI, and milestone benefits.
What are the HDFC credit card offers on insurance premium payment?
HDFC credit cards frequently offer reward points, cashback, or milestone credits when you pay insurance premiums via the SmartPay feature.
Which is the best credit card for health insurance payment?
Standard Chartered Smart, ICICI Amazon Pay, and HDFC Regalia cards are great for health insurance payments due to added cashback and insurance tie-ups.
Does Amazon Pay ICICI Credit Card give cashback on insurance payment?
Yes, you can earn up to 2% cashback on insurance premium payments using the Amazon Pay ICICI Credit Card through Amazon’s partnered services.
How to get Amazon Pay insurance premium cashback?
Pay your insurance premium via Amazon using the Amazon Pay ICICI Credit Card to receive cashback directly in the form of Amazon Pay balance.
Trending Credit Cards In India July 2025
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