Best credit cards for insurance in October 2026

26. Kotak Zen Signature ₹583
27. Kotak Air+ Prime ₹500
28. Kotak NRI Royale Signature ₹350
29. AU LIT Credit Card ₹300
30. AU Bank NOMO Credit Card ₹300
31. AU Altura Plus Credit Card ₹300
32. BPCL SBI Card OCTANE ₹300
33. IndiGo IDFC FIRST Dual Credit Card ₹300
34. AU Bank Traverse Credit Card (NRI) ₹300
35. PhonePe SBI Card PURPLE ₹250 · Invite only
36. CUB SalarySe Level UP Virtual ₹240
37. CUB SalarySe Level UP ₹240
38. IRCTC SBI Card Premier ₹960 · Ranked lower: includes points worth full value only in one app
39. IDFC FIRST WOW! Black ₹200
40. Standard Chartered Rewards ₹200
41. IDFC FIRST Diamond Reserve ₹200
42. IDFC FIRST Mayura ₹400 · Ranked lower: includes points worth full value only in one app
43. IDFC FIRST Ashva ₹320 · Ranked lower: includes points worth full value only in one app
44. EazyDiner IndusInd Platinum ₹168
45. IDFC FIRST WOW! ₹150
46. IDFC FIRST Select ₹150
47. IDFC FIRST Millennia ₹150
48. IDFC FIRST Classic ₹150
49. IDFC FIRST Wealth ₹150
50. Kotak Cashback+ Prime ₹125
51. ICICI Bank Platinum Chip Credit Card ₹100
52. ICICI Bank HPCL Coral Credit Card ₹100
53. Federal Bank Imperio ₹63
54. Federal Bank Celesta ₹63
55. Federal Bank Signet ₹63
56. Federal RuPay Wave Credit Card ₹63
57. Unity Bank BharatPe Credit Card ₹2,400
58. YES Bank RESERV ₹900
59. IndusInd Bank Nexxt Credit Card ₹640
60. Standard Chartered EaseMyTrip ₹600
61. IRCTC BOBCARD ₹600
62. SBI Card PULSE ₹600
63. PhonePe SBI Card SELECT BLACK ₹500 · Invite only
64. Apollo SBI Card SELECT ₹540 · Ranked lower: includes points worth full value only in one app
65. ICICI Bank Rubyx ₹300
66. IndusInd Platinum Aura Edge ₹240
67. ICICI Bank HPCL Super Saver ₹200
68. ICICI Bank Rubyx against FD ₹200
69. ICICI Sapphiro ₹200
70. ICICI Bank Emeralde ₹200
71. Adani One ICICI Bank Platinum ₹600 · Ranked lower: includes points worth full value only in one app
72. Adani One ICICI Bank Signature ₹600 · Ranked lower: includes points worth full value only in one app
73. ICICI Bank Expressions ₹100
74. ICICI Bank Coral ₹100
75. ICICI Bank Coral against FD ₹100
76. IDFC FIRST EA₹N ₹3
77. Titan SBI Card ₹1,500 · Ranked lower: includes points worth full value only in one app
78. Reliance SBI Card PRIME ₹600 · Ranked lower: includes points worth full value only in one app
79. AU Ananta ₹300
80. AU Vetta ₹300
81. AU Zenith ₹300
82. Axis Bank PRIMUS ₹6,000 · Invite only
83. Air India SBI Signature Card ₹4,800 · Closed to new applicants
84. Axis Burgundy Private ₹4,800 · Invite only
85. HDFC Infinia Metal ₹3,996 · Invite only
86. ICICI Emeralde Private Metal ₹3,600 · Invite only
87. Club Vistara SBI Card PRIME ₹2,400 · Closed to new applicants
88. Standard Chartered Beyond ₹2,400 · Invite only
89. DBS Altitude ₹2,000 · Invite only
90. DBS Vantage ₹2,000 · Invite only
91. Paytm SBI Card ₹1,200 · Not confirmed on sale
92. Flipkart Axis Bank Super Elite ₹1,200 · Issuing paused
93. Paytm SBI Card SELECT ₹1,200 · Not confirmed on sale
94. SBI AURUM ₹1,200 · Invite only
95. HDFC Regalia ₹1,000 · Closed to new applicants
96. HDFC Regalia Activ ₹1,000 · Closed to new applicants
97. IndusInd Pioneer Heritage ₹960 · Invite only
98. IndusInd PIONEER Private ₹840 · Invite only
99. IndusInd Pioneer Legacy ₹672 · Invite only
100. IndusInd Iconia Amex ₹627 · Closed to new applicants
101. KVB SBI Platinum Card ₹600 · Not confirmed on sale
102. South Indian Bank SBI Platinum Card ₹600 · Not confirmed on sale
103. KVB SBI Signature Card ₹600 · Not confirmed on sale
104. Kotak Privy League Signature ₹500 · Closed to new applicants
105. Indus Solitaire ₹464 · Invite only
106. IndusInd Indulge ₹420 · Invite only
107. AU Xcite Credit Card ₹300 · Invite only
108. AU Xcite Ultra Credit Card ₹300 · Invite only
109. OneCard Metal ₹240 · Issuing paused
110. Kotak Royale Signature ₹233 · Closed to new applicants
111. IndusInd Celesta ₹228 · Invite only
112. IndusInd Crest ₹228 · Invite only
113. IDFC FIRST Private ₹800 · Invite only · Ranked lower: includes points worth full value only in one app
114. IDFC FIRST Gaj ₹800 · Invite only · Ranked lower: includes points worth full value only in one app
115. Chennai Super Kings ICICI Bank ₹100 · Closed to new applicants

Your insurance premium earns nothing on this card — Zero reward points · Annexure 1 covers 5960 and 6300 (22): Snapdeal BOBCARD , ICAI Exclusive BOBCARD , ICSI Diamond BOBCARD , CMA One BOBCARD , Varunah Premium BOBCARD , Varunah Plus BOBCARD , Varunah BOBCARD , Indian Army YODDHA BOBCARD , Assam Rifles SENTINEL BOBCARD , Coast Guard RAKSHAMAH BOBCARD , BOBCARD VIKRAM , PRAGATI BOBCARD (RRB) , BOBCARD Select , BOBCARD Easy , Nainital Bank RENAISSANCE BOBCARD , BOBCARD Swavlamban , UJJIVAN SFB Platinum BOBCARD , UJJIVAN SFB Elite BOBCARD , BOBCARD Easy (FD Backed) , BOBCARD Select (FD Backed) , BOBCARD Premier (FD Backed) , BOBCARD Prime .

Your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table (11): RBL Bank Patanjali Swarn , RBL Signature Banking , RBL Aspire Banking , RBL Platinum Maxima Plus , RBL Platinum Maxima , RBL Apex , IRCTC RBL Bank Credit Card , TVS Credit RBL Bank Gold , RBL Bank Blockbuster , TVS Credit RBL Bank , RBL Bank Black .

Your insurance premium earns nothing on this card — Zero Delight Points · the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960… (4): IDBI Bank LIC Eclat Select , IDBI Bank Euphoria World , IDBI Bank Royale Signature , IDBI Bank Winnings .

Your insurance premium earns nothing on this card — CUB's "Insurance | 5960–6399" range earns nothing and sweeps in the 6000-block of financial institutions along with it (4): CUB SRH Master Platinum , CUB CSK RuPay Platinum , CUB SRH RuPay Platinum , CUB SRH Master World .

Your insurance premium earns nothing on this card — MCC 5960/6300/6380 (3): SBI Card MILES PRIME , SBI Card MILES ELITE , SBI Card MILES .

Your insurance premium earns nothing on this card — Zero points · Annexure 1 covers 5960 and 6300 (3): BOBCARD Tiara , BOBCARD Premier , HPCL ENERGIE BOBCARD .

Your insurance premium earns nothing on this card — Zero RP and no milestone credit · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) (3): RBL Movies and More , RBL Patanjali Vishisht , RBL Bank DMI Finance .

Your insurance premium earns nothing on this card — Named on the ineligible list · zero cashback (3): Utkarsh Eternal Credit Card , Utkarsh Rhodium Credit Card , Utkarsh SmartGen Credit Card .

Your insurance premium earns nothing on this card — Zero RP · "Insurance" (MCC 6300, 6310) in the first footnote, "Miscellaneous" (MCC 5960) added 15-Oct-2024 (3): RBL Platinum ShopGain , RBL Platinum Choice , RBL Platinum Plus .

Your insurance premium earns nothing on this card — Zero Delight Points · the annexure names 6300, 6381 and 5960 (insurance) · It does not name 6380 (3): IDBI Bank Aspire Platinum , IDBI Bank Imperium Platinum , IDBI Bank LIC Lumine .

Your insurance premium earns nothing on this card — Zero points and no milestone credit (MCC 6300, 6310) (3): RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold .

Your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes (3): RBL World Plus , RBL World Prime , RBL World Max .

Your insurance premium earns nothing on this card — Insurance in the published no-earn list (2): Kotak Air+ , Kotak Air .

Your insurance premium earns nothing on this card — Zero · insurance is named in the product page's eligible-spend definition (2): Axis Miles & More World Select , Axis Miles & More World .

Your insurance premium earns nothing on this card — 0% cashback (2): HSBC Live+ , Flipkart SBI Card .

Your insurance premium earns nothing on this card — Zero reward points · HSBC names 6300 and 5960, but not 6380 or 6381 (2): HSBC Platinum , HSBC RuPay Platinum .

Your insurance premium earns nothing on this card — "Insurance Services" in the card's published exclusion list (2): IndiGo Axis Bank Premium Credit Card , IndiGo Axis Bank Credit Card .

Your insurance premium earns nothing on this card — Zero miles (official card-page exclusion list) (2): Emirates Skywards ICICI Bank Emeralde , Emirates Skywards ICICI Bank Sapphiro .

Your insurance premium earns nothing on this card — Zero SC Points · insurance named in the earn exclusion list (2): SpiceJet Axis Bank Voyage Black , SpiceJet Axis Bank Voyage .

Your insurance premium earns nothing on this card — Insurance in the published exclusion list (2): IndiGo Kotak Credit Card , IndiGo Kotak Premium Credit Card .

Your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's own dated exclusion footnote (2): RBL Platinum Edge , RBL Platinum LifeEasy .

Your insurance premium earns nothing on this card — Zero points w.e.f · 15-Jun-2026 (MCCs 6300, 6381) (2): YES Bank BYOC (Rewards) , YES Bank Wellness Plus .

Your insurance premium earns nothing on this card — Insurance earns no EDGE REWARD Points on this card (2): Axis Bank Pride Platinum , Axis Bank Pride Signature .

Your insurance premium earns nothing on this card — Zero reward points w.e.f · 15 Apr 2024, per the card's own T&C earn table (2): ICICI Bank Parakram , ICICI Bank Parakram Select .

Your insurance premium earns nothing on this card — No cashback · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) (2): RBL Paisabazaar Duet , RBL Paisabazaar Duet Plus .

Your insurance premium earns nothing on this card — Zero points on insurance (glossary MCC list) (2): YES PaisaSave , YES PaisaSave RuPay .

Your insurance premium earns nothing on this card — MCCs 5960, 6300, 6381 and 6399 earn no cashback (2): Suryoday SFB RuPay Platinum , Suryoday SFB RuPay Select .

Your insurance premium earns nothing on this card — CUB writes this row as "Insurance | 5960–6399", a range far wider than its label: 5960 is direct-marketing insurance, but 6300… (2): CUB CSK Master Platinum , CUB CSK Master World .

Your insurance premium earns nothing on this card — Zero RP since 13-Nov-2023 · "Insurance" (MCC 6300, 6310) · "Miscellaneous" (MCC 5960) added 15-Oct-2024 (2): RBL Platinum Advantage , RBL EasySaver .

Your insurance premium earns nothing on this card — Official: no MR on insurance (2): Amex Platinum Travel , Amex Platinum Reserve .

Your insurance premium earns nothing on this card — No MR on insurance (2): Amex Membership Rewards Card , Amex Gold Charge .

Your insurance premium earns nothing on this card — Same as Magnus (1): Axis Magnus for Burgundy .

Your insurance premium earns nothing on this card — "Insurance" in the official Excluded Merchant Categories list (Olympus T&C §4) · corrected from full, 2026-07-22 (1): Axis Olympus .

6.00% on an insurance premium — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a premium alone and this card is named here at its rate rather than ranked on a ceiling it does not own — HSBC publishes no split of that ceiling, so none of it belongs to insurance alone (1): HSBC Premier (Metal) .

Your insurance premium earns nothing on this card — Zero since 20-Apr-2024 (1): Axis Magnus .

Your insurance premium earns nothing on this card — Zero miles · Annexure 1 MCCs 5960/6300 (official MITC) (1): BOBCARD Etihad Guest Premium .

Your insurance premium earns nothing on this card — "Insurance" in the official rbl.bank.in exclusion list (1): RBL Nova .

Your insurance premium earns nothing on this card — MCC 6300, 5960 (1): HSBC TravelOne .

Your insurance premium earns nothing on this card — Zero (1): Axis Bank Reserve .

2.00% on an insurance premium — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a premium alone and this card is named here at its rate rather than ranked on a ceiling it does not own — ICICI publishes no split of that ceiling, so none of it belongs to insurance alone (1): ICICI Times Black .

Your insurance premium earns nothing on this card — MCC 6300/6381/5960/6012/6051 zero (1): Axis Horizon .

Your insurance premium earns nothing on this card — Zero RP since 15-Jun-2026 · MCC 6300/6381 moved from the select list to the exclusion table (official product page) (1): YES Bank Marquee .

Your insurance premium earns nothing on this card — MCC 6300 zeroed w.e.f · 27-Feb-2026 (official devaluation notice) (1): Scapia (Federal Bank) .

Your insurance premium earns nothing on this card — Zero Scapia Coins on "insurance transactions" (T&C 4.3) (1): Scapia (Axis Bank) .

The issuer publishes a ceiling on what a premium may earn and writes it in units nothing here turns into rupees — 1 Reward Point per ₹100, capped at 100 RP per TRANSACTION · so a premium above ₹10,000 earns nothing on the… — so this card is priced at nothing rather than ranked as though the ceiling were not there (1): ixigo AU .

Your insurance premium earns nothing on this card — MCC 5960/6300 (1): BOBCARD Etihad Guest .

Your insurance premium earns nothing on this card — Zero cashback · HSBC names 6300 and 5960 · It does not name 6380 or 6381, so the exclusion as written does not reach a merchant… (1): HSBC RuPay Cashback .

Your insurance premium earns nothing on this card — Zero earn · Annexure 1 MCCs 5960/6300 (official rewards T&C) (1): BOBCARD Eterna .

Your insurance premium earns nothing on this card — Insurance named in the 20-Jun-2025 T&C exclusion list (1): Axis Bank SELECT .

Your insurance premium earns nothing on this card — Zero BluChips · insurance MCCs are on SBI's official product-page exclusion list (1): IndiGo SBI Card ELITE .

Your insurance premium earns nothing on this card — Zero Air Miles · official MCC table (5960, 6300) · corrected from full, 2026-07-22 (1): Kotak Solitaire .

Your insurance premium earns nothing on this card — Zero BluChips · insurance MCCs are on SBI's official product-page exclusion list (re-read 2026-10-02) (1): IndiGo SBI Card .

Your insurance premium earns nothing on this card — MCC 6300/6310, plus direct-marketing insurance 5960 under 'Miscellaneous' (1): RBL World Safari .

Your insurance premium earns nothing on this card — Named in §3.4(d) as ineligible to earn (1): RBL World Safari Lite .

Your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own §3.4(c) exclusion sentence (1): RBL World Safari Plus .

Your insurance premium earns nothing on this card — Insurance and investments both named in the Reward Points TnCs exclusion list (1): PhonePe HDFC Bank Ultimo .

Your insurance premium earns nothing on this card — Insurance is on the published no-earn list (1): Axis Bank Privilege .

Your insurance premium earns nothing on this card — Insurance spends do not count towards milestones since 1 June 2025 (1): Kotak White .

Your insurance premium earns nothing on this card — No per-swipe points (unconfirmed) (1): Kotak White Reserve .

The issuer's own documents disagree about this card's insurance earn — we won't rank a number we can't settle — MCC 6300/6381/5960/6012/6051 earn nothing · On the waiver count the T&C contradicts itself · §3.2 excludes insurance, §3.4 does… (1): IndianOil Axis Bank Premium .

Your insurance premium earns nothing on this card — Zero reward points · insurance is named in the MITC's exclusion line · Note that Union Bank writes the list as codes that… (1): Union Bank UNICORN .

Your insurance premium earns nothing on this card — Zero reward points · the NEXTERIA copy of the list says "Insurance payments" where the UNICORN copy says "Insurance" · Union… (1): Union Bank NEXTERIA .

Your insurance premium earns nothing on this card — Zero coins across all three of Zagg's insurance lines · "Insurance Sales, Underwriting and Premiums", "Direct Marketing… (1): YES Bank Zagg Credit Card .

Your insurance premium earns nothing on this card — ICICI utility bucket → zero · community mapping, unconfirmed (1): MakeMyTrip ICICI Bank .

Your insurance premium earns nothing on this card — Insurance earns nothing and is excluded from the milestone count (1): Axis Bank My Zone .

Your insurance premium earns nothing on this card — Insurance is on the cashback exclusion list (1): Fibe Axis Bank Credit Card .

Your insurance premium earns nothing on this card — Insurance premium payments are on the cashback exclusion list (1): Axis Bank ACE .

Your insurance premium earns nothing on this card — On the excluded-MCC table for earn, and separately named in the milestone-exclusion clause (1): Axis Bank REWARDS .

Your insurance premium earns nothing on this card — "Insurance Services" is an excluded MCC category (1): Flipkart Axis Bank Credit Card .

Your insurance premium earns nothing on this card — Zero points (1): Axis Bank NEO .

Your insurance premium earns nothing on this card — Zero · The sheet's "other retail spends" definition excludes insurance premium payments by name · the one category this card… (1): IDFC FIRST HPCL Power+ .

Your insurance premium earns nothing on this card — Zero CheQ Points on insurance payments (AU's CheQ AU documents, read via search extract) (1): CheQ AU Credit Card .

Your insurance premium earns nothing on this card — Zero cashback on MCC 5960, 6300 and 6381 (1): CASHBACK SBI Card .

Your insurance premium earns nothing on this card — On the excluded-MCC list · insurance earns nothing under any category (1): Axis Bank Cashback .

Your insurance premium earns nothing on this card — Insurance services are on the exclusion list (1): Axis Bank Freecharge Plus .

Your insurance premium earns nothing on this card — Insurance services earn nothing (1): Axis Bank SuperMoney RuPay .

Your insurance premium earns nothing on this card — Zero monies on insurance, MCC 5960/6300/6381/3429 (slice MITC) (1): slice UPI Credit Card .

Your insurance premium earns nothing on this card — and this is the difference from the Prime variant, which pays the 0.5% base on insurance up to ₹25,000 a billing cycle (1): Kotak Cashback+ .

Your insurance premium earns nothing on this card — Zero points w.e.f · 15-Jun-2026 (MCCs 6300, 6381) · previously a Select category earning the reduced rate (1): YES Bank ELITE+ .

Your insurance premium earns nothing on this card — Added to the exclusion list with effect from 1 June 2025 (1): Kotak UPI RuPay .

Your insurance premium earns nothing on this card — Insurance earns no EDGE REWARD Points (1): Axis Bank Kwik .

Your insurance premium earns nothing on this card — No EDGE REWARD Points on insurance (1): Axis Bank My Zone Easy .

Your insurance premium earns nothing on this card — Insurance payments earn no EDGE REWARD Points (1): Axis Bank Titanium Smart Traveller .

Your insurance premium earns nothing on this card — Zero RP · "Insurance" on the page's exclusion list, "Miscellaneous" added 15-Oct-2024 (1): RBL BankBazaar SaveMax Pro .

Your insurance premium earns nothing on this card — Note this differs from HDFC's Reward Points programme, where insurance earns to a 10,000-point monthly cap (1): HDFC Bank UPI RuPay .

Your insurance premium earns nothing on this card — Zero Fuel Points · §2.1 names insurance outright (1): IndianOil HDFC Bank Credit Card .

Your insurance premium earns nothing on this card — No EDGE REWARDS, and insurance spends are stripped from the ₹3,50,000 annual-fee waiver count as well (1): IndianOil Axis Bank Credit Card .

Your insurance premium earns nothing on this card — Zero points · insurance is named outright in the exclusion list (1): Shoppers Stop HDFC Bank .

Your insurance premium earns nothing on this card — Insurance named in the card's own exclusion list (1): YES Essence .

Your insurance premium earns nothing on this card — No cashback on insurance (MITC exclusions) (1): Utkarsh superCard .

Your insurance premium earns nothing on this card — not on the waiver-exclusion list, so it still counts toward the ₹1,00,000 (1): Axis Bank Shoppers Stop Credit Card .

Your insurance premium earns nothing on this card — neither counts toward the ₹2 lakh waiver (1): RBL Platinum Delight .

Your insurance premium earns nothing on this card — Zero RP and no waiver credit · "Insurance" (MCC 6300, 6310) (1): RBL Bank SalarySe UP .

Your insurance premium earns nothing on this card — Zero benefit · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) (1): RBL Cookies .

Your insurance premium earns nothing on this card — Zero Reward Points on insurance (ABC PRO page exclusion sentence) (1): Aditya Birla Capital AU Pro .

Your insurance premium earns nothing on this card — Zero CashPoints on insurance payments (Mega Saver page) (1): HDFC Bank UPI RuPay Mega Saver .

Your insurance premium earns nothing on this card — Zero points w.e.f · 15-Jun-2026 (MCCs 6300, 6381) · until then insurance was a Select category earning the reduced rate (1): YES Bank SELECT .

0.25% on an insurance premium — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a premium alone and this card is named here at its rate rather than ranked on a ceiling it does not own — AU publishes no split of that ceiling, so none of it belongs to insurance alone (1): AU Zenith+ .

Your insurance premium earns nothing on this card — No cashback on insurance (product page) (1): AU SPONT Credit Card .

Your insurance premium earns nothing on this card — Zero cashback · Annexure 1 covers 5960 and 6300 (1): BOBCARD Cashback .

Your insurance premium earns nothing on this card — Zero RP since 13-Nov-2023 · "Insurance" (MCC 6300, 6310) · "Miscellaneous" (MCC 5960, direct-marketing insurance) was excluded… (1): RBL Platinum Max .

Your insurance premium earns nothing on this card — Zero RP since 13-Nov-2023 · "Insurance" (MCC 6300, 6310), plus "Miscellaneous" (MCC 5960) from 15-Oct-2024 (1): RBL Platinum Prime .

Your insurance premium earns nothing on this card — Zen and Royale cap insurance at ₹70,000 a cycle (1): Kotak League Platinum .

Your insurance premium earns nothing on this card — Zero RP · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) · neither counts toward the waiver (1): RBL Shoprite .

Your insurance premium earns nothing on this card — Zero · "Insurance premium payments" are struck out of other retail spends (1): IDFC FIRST HPCL Power .

Your insurance premium earns nothing on this card — No EDGE REWARDS on insurance (1): IndianOil Easy Axis Bank .

Your insurance premium earns nothing on this card — Zero Reward Points on insurance since 1-Jun-2025 (811 page) (1): Kotak 811 Credit Card .

Your insurance premium earns nothing on this card — Zero RP since 13-Nov-2023 · "Insurance" (MCC 6300, 6310), also excluded by name from the online tier · "Miscellaneous"… (1): RBL Binge .

Your insurance premium earns nothing on this card — No POPCoins on insurance premiums (1): YES Bank POP-CLUB .

Your insurance premium earns nothing on this card — "Insurance premium & related payments · 6300" (1): Paisabazaar Step-Up SBM Credit Card .

Your insurance premium earns nothing on this card — Zero RP · "Insurance" (MCC 6300, 6310) on the original list, "Miscellaneous" (MCC 5960) added 15-Oct-2024 (1): RBL BankBazaar SaveMax .

Your insurance premium earns nothing on this card — No Fuel Points · "Insurance" (MCC 6300, 6310) on the T&C's §3.7 exclusion table (1): IndianOil RBL Bank Credit Card .

Your insurance premium earns nothing on this card — No Fuel Points · "Insurance" (MCC 6300, 6310) on the T&C's §3.8 exclusion table (1): IndianOil RBL Bank XTRA Credit Card .

Your insurance premium earns nothing on this card — No KIWIS on insurance 5960, 6300, 6381, 6399 (Annexure-I) (1): PNB Kiwi .

Your insurance premium earns nothing on this card — Zero RP since 13-Nov-2023 · "Insurance" (MCC 6300, 6310), with "Miscellaneous" (MCC 5960) added 15-Oct-2024 (1): RBL MyFirst .

Your insurance premium earns nothing on this card — Official FAQ: no MR on insurance (1): Amex Platinum Charge .

Your insurance premium earns nothing on this card — 27-Feb-2026 (Scapia devaluation notice) (1): Scapia (BOBCARD) .

Your insurance premium earns nothing on this card — Zero Membership Rewards points on insurance (Amex's SmartEarn page) (1): Amex SmartEarn .

Your insurance premium earns nothing on this card — 6300/6381/5960/6012/6051 · zero since 20-Apr-2024 (1): Axis Atlas .

Your insurance premium earns nothing on this card — Excluded from earn and milestone calculation since 20 Apr 2024 (MCCs 5960, 6012, 6051, 6300, 6381) (1): Axis Bank Vistara Infinite Credit Card .

Your insurance premium earns nothing on this card — Zero Miles w.e.f · 15 Jan 2026 (1): Emirates Skywards ICICI Bank Rubyx .

Your insurance premium earns nothing on this card — Excluded from earn AND milestone calculation since 20 Apr 2024 on MCCs 5960, 6012, 6051, 6300, 6381 · Axis published the numbers… (1): Axis Bank Vistara Signature Credit Card .

Your insurance premium earns nothing on this card — Excluded from earn AND from milestone calculation since 20 Apr 2024, on the MCCs Axis published by number: 5960, 6012, 6051… (1): Axis Bank Vistara Credit Card .

Your insurance premium earns nothing on this card — insurance was a Select category earning 4 per ₹200 until then (1): YES First Preferred .

Your insurance premium earns nothing on this card — No Reward Points · MCC 6300 and 6310 (1): RBL Bank novio .

Your insurance premium earns nothing on this card — No Reward Points · MCC 6300 and 5960 (1): RBL vCard .

• 15 Jul 2025 SBI Card pulls free air accident insurance from its top cards SBI Card
• 1 Jul 2025 HDFC swaps daily insurance-reward caps for tighter monthly ones HDFC Bank
• 12 Oct 2019 Citi India guts reward earning on utilities, insurance, and tax Citibank India

START WITH THE NEGATIVE, because it is the finding: 193 of the 312 whose insurance rule we hold earn EXACTLY NOTHING on a premium, and another 4 publish a ceiling we may put no rupee against — in units nothing here turns into rupees, or shared across categories with no published split — all of them named under the table rather than ranked at a number we made up. HDFC Diners Club Black Metal leads the 115 we can price, of 119 that earn anything: ₹3,996 on a ₹1,20,000 premium paid in one swipe. HDFC Diners Club Black Metal gets there on 3.33% on an insurance premium. Its ceiling — ₹1,50,000 of premium a statement month — does not bind at this premium. The biggest number here is not the answer: Axis Bank PRIMUS pays ₹6,000 and is invite-only, so it keeps its row and cannot take the crown. AND THE MONTH IS THE TRAP: 33 of the 115 ranked cards stop earning part-way through ONE premium, because the issuer wrote the ceiling per MONTH and the insurer bills once a year (1 of them per DAY, which a premium paid in one go meets just the same). The tightest of them — IDFC FIRST EA₹N — earns on ₹500 of the ₹1,20,000 and nothing on the rest.

115 of the 990 Indian personal cards we track are ranked here. 198 are listed unranked with the computed reason — named, not ranked — pays nothing on a premium, or caps it in units we can’t price — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

The records behind this board — the card records this ranks and the insurance rules in our fine-print records — carry re-verification dates from 1 Jun 2026 to 26 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

22 of the 115 ranked here are lifetime free. The best on ₹ back on a ₹1,20,000 premium is LIC IDFC FIRST Select at ₹2,400. This board's call, HDFC Diners Club Black Metal, costs ₹10,000/yr and reaches ₹3,996 — that gap is what the fee buys.

On what this board ranks — ₹ back on a ₹1,20,000 premium — yes: ₹3,996 against ₹2,400. That is the whole claim, and a narrow one. No card wins overall: 24 boards, 24 questions.