Spends · category 05 of 15
Which credit cards still earn on Insurance — September 2026
Of the 1119 cards on the desk, 257 publish a rule for insurance — and 1 of those pays ABOVE the card's own normal rate here, against 34 at full rewards. The rest: 24 capped, 49 at a reduced rate, 149 earn nothing. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for insurance spends in India?
Axis Burgundy Private (Axis Bank) pays 6.00% on insurance, up to the monthly cap its rule names — the best rate of any card with a published rule here. 257 cards publish one, 149 of which earn nothing at all.
Open to everyone: HDFC Diners Club Black Metal (HDFC Bank) pays 3.33% on insurance for ₹10,000/yr — the best rate of any card you can actually apply for, whatever the fee.
On a budget: Kotak Air+ Prime (Kotak Mahindra Bank) pays 2.00% on insurance for ₹3,000/yr or less, and it's open to apply.
Lifetime-free: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on insurance for ₹0, open to apply.
MCC 6300, 5960, 6380, 6381 · 257 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of insurance returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Axis Burgundy Private
Earns the flat 15 EDGE RP per ₹200, capped at 6,000 EDGE RP/month — about ₹80,000 of insurance premium a month (CardInsider)
6.00% capped up to a monthly cap — see the rule - 02 Axis Bank PRIMUS
No insurance carve-out and no cap on monthly points — unlike Burgundy Private's 6,000 RP/month insurance ceiling
5.00% full earn - 03 HDFC Infinia Metal
5 RP/₹150 up to 10,000 RP/month (≈₹3L spend) w.e.f. 1-Jul-2025
3.33% capped up to a monthly cap — see the rule
Every card with a published rule
257 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| LIC Axis Bank Platinum Axis Bank | accelerated | 0.71% | 2 Reward points per ₹100 on LIC premium payments — but ONLY through LIC's own official premium-payment gateways, never through a third-party app |
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | No insurance carve-out and no cap on monthly points — unlike Burgundy Private's 6,000 RP/month insurance ceiling |
| Air India SBI Signature Card SBI Card | full earn | 3.20% | Insurance premiums earn the 4 points per ₹100 base; the exclusion list carries no insurance MCCs |
| DBS Vantage DBS Bank India | full earn | 2.00% | Base 2 VP/₹100 — not on the published closed list (flag) |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%, uncapped. Insurance is not excluded and no cap is published for it in any Unity document |
| Club Vistara SBI Card PRIME SBI Card | full earn | 1.60% | Insurance premiums accrue at the base rate; the exclusion list carries no insurance MCCs |
| Titan SBI Card SBI Card | full earn | 1.50% | Insurance premiums earn the 6 points per ₹100 base, under the same 6,000-point monthly ceiling |
| KrisFlyer SBI Card SBI Card | full earn | 1.10% | Base 1 mile/₹100 — not in the published exclusion list (community, flag) |
| Amazon Pay ICICI Bank ICICI Bank | full earn | 1.00% | Earns the 1% base — insurance is named in none of the T&C's exclusion clauses and no cap is published for it in ICICI's cap table |
| IndiGo SBI Card ELITE SBI Card | full earn | 1.00% | Base 2 BluChips/₹100 — not in the ELITE exclusion list (community, flag) |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | full earn | 1.00% | 1 Uni Coin per ₹1 (1%) — insurance appears nowhere in the MITC's closed exclusion list, which is the deviation worth knowing on a shelf where BOBCARD's Annexure 1 zeroes it everywhere else |
| SBI AURUM SBI Card | full earn | 1.00% | Base 4 RP/₹100 (community, flag) |
| HDFC Bank Millennia HDFC Bank | full earn | 1.00% | Earns the 1% bucket, and the T&C states plainly that "Insurance transactions will not be considered as Utility transactions and hence no charge will be applicable" — no 1% fee, and no cap of its own |
| Paytm SBI Card SELECT SBI Card | full earn | 1.00% | Insurance premiums earn the 1% base, or 2% through the Paytm app; no insurance MCC is excluded on this card |
| Paytm SBI Card SBI Card | full earn | 1.00% | Insurance premiums earn the 1% base, or 2% through the Paytm app |
| Marriott Bonvoy HDFC Bank HDFC Bank | full earn | 0.86% | Earns base 2 pts/₹150 — community consensus, single-sourced |
| IndusInd Pioneer Heritage IndusInd Bank | full earn | 0.80% | Base 1 RP/₹100 (community, flag) |
| Flipkart Axis Bank Super Elite Axis Bank | full earn | 0.80% | Not named in the SuperCoin exclusion list — base 2 SuperCoins/₹100 |
| IndusInd Bank Nexxt Credit Card IndusInd Bank | full earn | 0.53% | The ordinary rate on insurance premium payments, one of the five categories the revision trimmed on every IndusInd card but this one and four others |
| IndiGo SBI Card SBI Card | full earn | 0.50% | NOT in SBI's published exclusion list — corrected from excluded 2026-07-22, resolving the sibling contradiction (matches indigo-sbi-elite's full); base 1 BluChip/₹100 (flag) |
| SBI Card ELITE SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base; no insurance MCC is excluded |
| SBI Card PRIME SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.50% | Earns base 2 RP/₹100 — inferred, flag |
| SBI Card PULSE SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | Earns base 2 RP/₹100 — inferred, flag |
| Reliance SBI Card PRIME SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base; the exclusion list carries no insurance MCCs |
| IndusInd Duo IndusInd Bank | full earn | 0.50% | The ordinary rate — insurance premium payments are one of the five categories the revision cut everywhere else, and Duo is exempt from it by name |
| KVB SBI Signature Card SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base |
| KVB SBI Platinum Card SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base |
| South Indian Bank SBI Platinum Card SBI Card | full earn | 0.50% | Insurance premiums earn the 2 points per ₹100 base |
| Kotak Privy League Signature Kotak Mahindra Bank | full earn | 0.50% | Base 2 RP/₹100 (community, flag) |
| Apollo SBI Card SELECT SBI Card | full earn | 0.45% | Insurance premiums earn the base rate; no insurance MCC is excluded |
| BPCL SBI Card OCTANE SBI Card | full earn | 0.25% | Insurance premiums earn the 1 point per ₹100 base; the card's exclusion list carries no insurance MCCs |
| IndusInd Platinum Aura Edge IndusInd Bank | full earn | 0.20% | Home Plan: insurance premiums pay 1.4 savings points per ₹100, cut from 1.5 on 1-Aug-2019 — the smallest cut of the three; the other plans pay the 0.5 base |
| OneCard Metal OneCard (issued via partner banks) | full earn | 0.20% | Earns base 1 RP/₹50 — community, flag |
| Axis Burgundy Private Axis Bank | capped | 6.00% | Earns the flat 15 EDGE RP per ₹200, capped at 6,000 EDGE RP/month — about ₹80,000 of insurance premium a month (CardInsider) |
| HDFC Infinia Metal HDFC Bank | capped | 3.33% | 5 RP/₹150 up to 10,000 RP/month (≈₹3L spend) w.e.f. 1-Jul-2025 |
| HDFC Diners Club Black Metal HDFC Bank | capped | 3.33% | 5 RP/₹150 up to 5,000 RP/month for Diners Black / DCB Metal w.e.f. 1-Jul-2025 — about ₹1,50,000 of insurance premium a month (Infinia gets 10,000) |
| ICICI Emeralde Private Metal ICICI Bank | capped | 3.00% | Confirmed 5,000 RP a statement cycle, per category, at the card's 6 RP/₹200 — about ₹1,66,667 of insurance premium a cycle — verified directly on ICICI's product page 2026-07-14 |
| HSBC Premier (Metal) HSBC | capped | 3.00% | MCC 6300/5960 — same ₹1L/month combined bucket; HSBC publishes no split of that ceiling, so none of it belongs to insurance alone |
| Kotak Air+ Prime Kotak Mahindra Bank | capped | 2.00% | MCC 6300 earns 2 Air Miles/₹100 on the first ₹25,000 of cumulative insurance spend a statement cycle, then nothing; MCC 5960/6381/6399 earn nothing at all |
| DBS Altitude DBS Bank India | capped | 2.00% | MCC 6300, 6381, 5960, 6012, 6051 capped at 2,000 Vantage Points a calendar month (≈₹1,00,000 of spend) |
| ICICI Times Black ICICI Bank | capped | 2.00% | 2% up to the 5,000 RP/cycle cap bucket — rare insurance earn at this fee tier — shared with utilities, education and government; ICICI publishes no split of that ceiling, so none of it belongs to insurance alone |
| HDFC Regalia Gold HDFC Bank | capped | 1.63% | 5 RP/₹200 post-15-May-2026 up to 2,000 RP/month ('all other cards' tier) w.e.f. 1-Jul-2025 — about ₹80,000 of insurance premium a month |
| Tata Neu Infinity HDFC Bank HDFC Bank | capped | 1.50% | Capped at 2,000 NeuCoins a month at the 1.5% everything-else rate — 1.5 NeuCoins per ₹100, since 1 NeuCoin is ₹1 — about ₹1,33,333 of insurance premium a month (HDFC's own product page lists the cap) |
| Tata Neu Infinity SBI Card SBI Card | capped | 1.50% | Capped at 2,000 NeuCoins a month at the 1.5% everything-else rate — 1.5 NeuCoins per ₹100, since 1 NeuCoin is ₹1 — about ₹1,33,333 of insurance premium a month (T&C §11.4i) |
| Equitas PowerMiles Equitas Small Finance Bank | capped | 1.50% | Earns the 3 RP/₹100 base but capped at 2,000 RP a day — the MITC says "Insurance transactions will be capped at 2000 reward points per day" — which is ₹66,667 a day of premium at that rate, a DAILY ceiling this desk does not restate as a monthly one; corrected from full, 2026-07-22 |
| HDFC Diners Club Privilege HDFC Bank | capped | 1.00% | Earns base, inside the ~50,000 RP/cycle bucket (CardInsider) |
| Tata Neu Plus SBI Card SBI Card | capped | 1.00% | Capped at 2,000 NeuCoins a month at the 1% everything-else rate — 1 NeuCoin per ₹100, since 1 NeuCoin is ₹1 — about ₹2,00,000 of insurance premium a month (T&C §11.4h) |
| HDFC PIXEL Go HDFC Bank | capped | 1.00% | "The CashPoints for Insurance Spends will be capped at 2,000 CashPoints per day" — a daily cap, not a monthly one, and at the everyday 1 CashPoint per ₹100 it is ₹2,00,000 a day of premium; this desk does not restate a daily ceiling as a monthly one |
| LIC IDFC FIRST Select IDFC FIRST Bank | capped | 1.00% | The co-brand's whole point, and the fine print decides it: LIC premiums earn 10 RP/₹125 vs the 5 RP/₹125 base, but ONLY on payments made at licindia.in, and only the first 5 premium payments in a statement cycle qualify. NON-LIC insurance earns nothing at all. |
| PhonePe SBI Card SELECT BLACK SBI Card | capped | 1.00% | Same split, tighter cap. Inside the PhonePe app insurance earns 10 points per ₹100 up to just 500 points a calendar month — a third of the non-insurance ceiling, so a single annual premium exhausts it. Outside the app it earns zero, MCC 5960, 6300 and 6380 |
| PhonePe SBI Card PURPLE SBI Card | capped | 1.00% | 3 Reward Points per ₹100 inside the PhonePe app, capped at just 250 points a calendar month; insurance paid outside the app is excluded by MCC (5960, 6300, 6380) and earns nothing |
| HDFC Regalia HDFC Bank | capped | 1.00% | 4 RP/₹200 post-15-May-2026 up to 2,000 RP/month w.e.f. 1-Jul-2025 (bank-wide tier, community) — about ₹1,00,000 of insurance premium a month |
| HDFC Regalia Activ HDFC Bank | capped | 1.00% | "Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per month" — clause 7, and it is a monthly cap, not a daily one. 2,000 RP a month at 4 RP per ₹200 is about ₹1,00,000 of insurance premium a month |
| Kotak Zen Signature Kotak Mahindra Bank | capped | 0.83% | Zen Points earn only on the first ₹70,000 a statement cycle, and that ₹70,000 is shared with education rather than granted separately — MCC 5960, 6300, 6381 and 6399 |
| ICICI Bank HPCL Super Saver ICICI Bank | capped | 0.50% | 2 RP per ₹100, and only on the first ₹40,000 of insurance spend a statement cycle — a cap the MITC applies to this card by name and to no other |
| Kotak Cashback+ Prime Kotak Mahindra Bank | capped | 0.50% | THE DIFFERENCE FROM THE PLAIN CASHBACK+: insurance premiums earn the 0.5% base on the first ₹25,000 of insurance premium a billing cycle here — above that they earn nothing — where the plain card excludes insurance from earning entirely |
| Kotak Royale Signature Kotak Mahindra Bank | capped | 0.33% | Points earn only on the first ₹70,000 a statement cycle, shared with education rather than granted separately — MCC 5960, 6300, 6381 and 6399 |
| Standard Chartered Beyond Standard Chartered | reduced | 2.00% | 3 RP per ₹150 (2%), uncapped — one of the few cards that still earns meaningfully on insurance |
| Standard Chartered Ultimate Standard Chartered | reduced | 2.00% | 3 RP/₹150 on MCC 5960+6300, uncapped — one of the only cards earning meaningfully on insurance |
| IndusInd Tiger IndusInd Bank | reduced | 0.80% | Base 1 RP/₹100 only, no slab multiplier — "insurance premium" named on the official product page |
| IndusInd Legend IndusInd Bank | reduced | 0.80% | Base 1 RP/₹100 (community/flag) |
| IRCTC SBI Card Premier SBI Card | reduced | 0.80% | Base 1 RP/₹125 — no accelerated rate; community, flag |
| YES Bank RESERV YES Bank | reduced | 0.75% | Select-category 6 RP/₹200 (0.75%) — community, flag |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the flat 10 RP/₹150 domestic base (~0.67%) — Insurance is named on the consolidated T&C's 1X list |
| IDFC FIRST Gaj IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the 5 RP/₹150 base (MCC 3429, 5960, 6300, 6381) ≈ 0.67% |
| IndusInd PIONEER Private IndusInd Bank | reduced | 0.56% | 0.7 RP/₹100 vs 3 RP/₹100 — MCCs 5960 and 6300 |
| IndusInd Pinnacle World IndusInd Bank | reduced | 0.56% | 'Select category' ~0.70 RP/₹100 — community/flag |
| IndusInd Pioneer Legacy IndusInd Bank | reduced | 0.56% | 0.70 RP/₹100 vs 1 RP/₹100 on weekdays, w.e.f. 4-Feb-2023 |
| IndusInd Iconia Amex IndusInd Bank | reduced | 0.52% | 0.70 RP/₹100 vs 1.5 RP/₹100 on weekdays |
| IndusInd Avios Visa Infinite IndusInd Bank | reduced | 0.50% | 1 Avios/₹200 vs 3 Avios/₹200 base — the reduced-earn tier, per the official benefit guide |
| Adani One ICICI Bank Signature ICICI Bank | reduced | 0.50% | 0.5 Adani Reward Points/₹100 vs 1.5 Adani Reward Points/₹100 on ordinary retail — clause 4 of the card T&C |
| Adani One ICICI Bank Platinum ICICI Bank | reduced | 0.50% | 0.5 per ₹100 vs 1 per ₹100 on domestic retail, the same half-rate row as utilities |
| RBL Icon RBL Bank | reduced | 0.50% | Base 2 RP/₹100 — verify, flag |
| Indus Solitaire IndusInd Bank | reduced | 0.39% | 0.7 RP/₹100 vs 1 RP/₹100 — MCCs 5960 and 6300 |
| IDFC FIRST Mayura IDFC FIRST Bank | reduced | 0.33% | 1 RP/₹150 vs the 5 RP/₹150 base; doesn't count toward milestone |
| IndusInd Indulge IndusInd Bank | reduced | 0.28% | 0.70 RP/₹100 vs 1.5 RP/₹100 |
| IDFC FIRST Ashva IDFC FIRST Bank | reduced | 0.27% | 1 RP/₹150 vs the 5 RP/₹150 base; doesn't count toward the ₹20k trigger |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | reduced | 0.25% | 0.5 BluChips/₹100 (published reduced band) |
| AU Ananta AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 per the official Ananta earn table |
| AU Zenith AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 per AU's official earn table (product page, re-verified 2026-07-26) |
| ICICI Sapphiro ICICI Bank | reduced | 0.25% | 1 RP/₹100 vs 2 RP/₹100 domestic (official earn table); same Nov-2024 spend cap |
| ICICI Bank Rubyx ICICI Bank | reduced | 0.25% | 1 RP/₹100 vs 2 RP/₹100 domestic per the official earn table |
| ICICI Bank Emeralde ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 4 RP per ₹100, capped at ₹80,000 of insurance spend a statement cycle |
| AU Vetta AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 per AU's earn table — flag |
| ICICI Bank Coral ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, capped at ₹40,000 of insurance spend a statement cycle (MCC 5960, 6300, 6381, 6399) |
| ICICI Bank Expressions ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 3 RP per ₹100 on retail, capped at ₹40,000 of insurance spend a cycle |
| Federal Bank Celesta Federal Bank | reduced | 0.25% | Base 1 RP/₹100 — inferred, flag |
| AU Zenith+ AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 inside the shared 1,000-RP/cycle cap per AU's earn table; AU publishes no split of that ceiling, so none of it belongs to insurance alone |
| AU Bank NOMO Credit Card AU Small Finance Bank | reduced | 0.25% | 1 Reward Point per ₹100, half the retail rate — named alongside utilities on the product page. AU files insurance as MCC 6300 and 5960 elsewhere on its shelf |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on retail, on the first ₹40,000 of insurance spend a cycle (MCC 5960, 6300, 6381, 6399) |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on retail, on the first ₹40,000 of insurance spend a statement cycle (MCC 5960, 6300, 6381, 6399) |
| ICICI Bank Coral against FD ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, capped at ₹40,000 of insurance spend a statement cycle |
| ICICI Bank Rubyx against FD ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, capped at ₹80,000 of insurance spend a statement cycle |
| AU LIT Credit Card AU Small Finance Bank | reduced | 0.25% | 1 Reward Point per ₹100 — AU's grid gives "Insurance | 6300, 5960 | 1 Reward points", so insurance earns the base rate but is locked out of the 5X and 10X features. AU publishes no cap per transaction on this row, unlike utilities |
| AU Altura Plus Credit Card AU Small Finance Bank | reduced | 0.25% | 1 Reward Point per ₹100, a quarter of what the offline cashback tier pays and half the online rung. AU publishes no cap per transaction on insurance, unlike utilities and telecom |
| Chennai Super Kings ICICI Bank ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100, capped at ₹40,000 of insurance spend a cycle |
| IndusInd Celesta IndusInd Bank | reduced | 0.19% | 0.70 RP/₹100 vs 1 RP/₹100 domestic — "Insurance Premium Payments" |
| IndusInd Crest IndusInd Bank | reduced | 0.19% | 0.70 RP/₹100 vs 1 RP/₹100 |
| IDFC FIRST WOW! Black IDFC FIRST Bank | reduced | 0.17% | 1 RP/₹150 vs the 4 RP/₹150 base |
| Standard Chartered Rewards Standard Chartered | reduced | 0.17% | 1 reward point per ₹150 vs 4 reward points per ₹150 on ordinary retail — a quarter of the base rate, and the MITC excludes insurance payments from the 4X bonus band as well |
| IDFC FIRST Diamond Reserve IDFC FIRST Bank | reduced | 0.17% | 1 RP/₹150 vs the 3 RP/₹150 everyday band, and locked out of the ₹20,000 trigger |
| IDFC FIRST WOW! IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 4 RP/₹200 base ≈ 0.13% (named in the rewards T&C) |
| IDFC FIRST Wealth IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base (~0.13%) — official rewards T&C |
| IDFC FIRST Select IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% |
| IDFC FIRST Millennia IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% |
| IDFC FIRST Classic IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13%, named on the product page |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| Axis Olympus Axis Bank | earns nothing | — | "Insurance" in the official Excluded Merchant Categories list (Olympus T&C §4) — corrected from full, 2026-07-22 |
| Axis Magnus Axis Bank | earns nothing | — | Zero since 20-Apr-2024 |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | earns nothing | — | Zero miles — Annexure 1 MCCs 5960/6300 (official MITC) |
| RBL Nova RBL Bank | earns nothing | — | "Insurance" in the official rbl.bank.in exclusion list |
| HSBC TravelOne HSBC | earns nothing | — | MCC 6300, 5960 |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | Insurance in the published no-earn list |
| Axis Bank Reserve Axis Bank | earns nothing | — | Zero |
| Axis Horizon Axis Bank | earns nothing | — | MCC 6300/6381/5960/6012/6051 zero |
| YES Bank Marquee YES Bank | earns nothing | — | Zero RP since 15-Jun-2026 — MCC 6300/6381 moved from the select list to the exclusion table (official product page) |
| Axis Miles & More World Select Axis Bank | earns nothing | — | Excluded — community/flag |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | MCC 6300 zeroed w.e.f. 27-Feb-2026 (official devaluation notice) |
| ixigo AU AU Small Finance Bank | earns nothing | — | Insurance on the official no-RP exclusion list |
| BOBCARD Etihad Guest BOBCARD (Bank of Baroda) | earns nothing | — | MCC 5960/6300 |
| SBI Card MILES PRIME SBI Card | earns nothing | — | MCC 5960/6300/6380 |
| HSBC Live+ HSBC | earns nothing | — | MCC 5960/6300 — 0% cashback |
| HSBC RuPay Cashback HSBC | earns nothing | — | Zero cashback — HSBC names 6300 and 5960. It does not name 6380 or 6381, so the exclusion as written does not reach a merchant coded there |
| IDBI Bank LIC Eclat Select IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960 (direct-marketing insurance). It does not name 6380, so a merchant coded there is not covered by the exclusion as IDBI has written it |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | earns nothing | — | Zero earn — Annexure 1 MCCs 5960/6300 (official rewards T&C) |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 5960 and 6300 |
| Axis Miles & More World Axis Bank | earns nothing | — | Excluded — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | Insurance named in the 20-Jun-2025 T&C exclusion list |
| Kotak Air Kotak Mahindra Bank | earns nothing | — | Insurance in the published no-earn list |
| IDBI Bank Euphoria World IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960 (direct-marketing insurance). It does not name 6380, so a merchant coded there is not covered by the exclusion as IDBI has written it |
| IDBI Bank Royale Signature IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960 (direct-marketing insurance). It does not name 6380, so a merchant coded there is not covered by the exclusion as IDBI has written it |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — HSBC names 6300 and 5960, but not 6380 or 6381 |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — HSBC names 6300 and 5960, but not 6380 or 6381 |
| RBL Platinum Maxima RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| IDBI Bank Winnings IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960 (direct-marketing insurance). It does not name 6380, so a merchant coded there is not covered by the exclusion as IDBI has written it |
| RBL Platinum Maxima Plus RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | earns nothing | — | Insurance in the published exclusion list |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | "Insurance Services" in the card's published exclusion list |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero miles (official card-page exclusion list) |
| YES Bank ELITE+ YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 6300, 6381) — previously a Select category earning the reduced rate |
| SpiceJet Axis Bank Voyage Black Axis Bank | earns nothing | — | Zero SC Points — insurance named in the earn exclusion list |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | Zero Air Miles — official MCC table (5960, 6300); corrected from full, 2026-07-22 |
| SBI Card MILES ELITE SBI Card | earns nothing | — | MCC 5960/6300/6380 |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | earns nothing | — | Insurance in the published exclusion list |
| YES Essence YES Bank | earns nothing | — | Insurance named in the card's own exclusion list |
| RBL World Safari RBL Bank | earns nothing | — | MCC 6300/6310, plus direct-marketing insurance 5960 under 'Miscellaneous' |
| RBL World Safari Lite RBL Bank | earns nothing | — | Named in §3.4(d) as ineligible to earn |
| RBL Platinum Edge RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the product page's own dated exclusion footnote |
| RBL World Safari Plus RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own §3.4(c) exclusion sentence |
| PhonePe HDFC Bank Ultimo HDFC Bank | earns nothing | — | Insurance and investments both named in the Reward Points TnCs exclusion list |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | earns nothing | — | Zero miles (official card-page exclusion list) |
| MakeMyTrip ICICI Bank ICICI Bank | earns nothing | — | ICICI utility bucket → zero — community mapping, flag |
| Axis Bank Privilege Axis Bank | earns nothing | — | Insurance is on the published no-earn list |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points (flag) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| TVS Credit RBL Bank RBL Bank / TVS Credit | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| RBL Bank Blockbuster RBL Bank / BookMyShow | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| RBL Platinum LifeEasy RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the product page's own dated exclusion footnote |
| SpiceJet Axis Bank Voyage Axis Bank | earns nothing | — | Zero SC Points — insurance named in the earn exclusion list |
| IndianOil Axis Bank Premium Axis Bank | earns nothing | — | MCC 6300/6381/5960/6012/6051 earn nothing. On the waiver count the T&C contradicts itself — §3.2 excludes insurance, §3.4 does not — so we take the conservative reading and exclude it |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | "Insurance Services" in the card's published exclusion list |
| SBI Card MILES SBI Card | earns nothing | — | MCC 5960/6300/6380 |
| RBL Signature Banking RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| RBL Aspire Banking RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| Union Bank UNICORN Union Bank of India | earns nothing | — | Zero reward points — insurance is named in the MITC's exclusion line. Note that Union Bank writes the list as codes that "include" these categories rather than as a closed set, so it is a floor on what is excluded, not a ceiling |
| RBL Apex RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| BOBCARD Premier BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 5960 and 6300 |
| Union Bank NEXTERIA Union Bank of India | earns nothing | — | Zero reward points — the NEXTERIA copy of the list says "Insurance payments" where the UNICORN copy says "Insurance". Union Bank writes both as categories the list "include"s rather than as a closed set, so this is a floor on the exclusions, not a ceiling |
| IRCTC RBL Bank Credit Card RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 5960 and 6300 |
| YES Bank SELECT YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 6300, 6381) — until then insurance was a Select category earning the reduced rate |
| YES Bank BYOC (Rewards) YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 6300, 6381) |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | Zero coins across all three of Zagg's insurance lines — "Insurance Sales, Underwriting and Premiums", "Direct Marketing Insurance Services" and "Insurance – Premiums" |
| Kotak League Platinum Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 5960, 6300, 6381 and 6399. Zen and Royale cap insurance at ₹70,000 a cycle; League kills it outright |
| Axis Bank My Zone Axis Bank | earns nothing | — | Insurance earns nothing and is excluded from the milestone count |
| Fibe Axis Bank Credit Card Axis Bank | earns nothing | — | Insurance is on the cashback exclusion list |
| Axis Bank ACE Axis Bank | earns nothing | — | Insurance premium payments are on the cashback exclusion list |
| Axis Bank REWARDS Axis Bank | earns nothing | — | On the excluded-MCC table for earn, and separately named in the milestone-exclusion clause |
| YES Bank Wellness Plus YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 6300, 6381) |
| Flipkart Axis Bank Credit Card Axis Bank | earns nothing | — | "Insurance Services" is an excluded MCC category |
| Axis Bank NEO Axis Bank | earns nothing | — | Zero points |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | earns nothing | — | Zero. The sheet's "other retail spends" definition excludes insurance premium payments by name — the one category this card refuses outright |
| Flipkart SBI Card SBI Card | earns nothing | — | 0% cashback — MCC 4225, 5962, 5963, 5964, 5965, 5966, 5968, 5969 and 6300 |
| CASHBACK SBI Card SBI Card | earns nothing | — | Zero cashback on MCC 5960, 6300 and 6381 |
| Axis Bank Cashback Axis Bank | earns nothing | — | On the excluded-MCC list — insurance earns nothing under any category |
| Axis Bank Freecharge Plus Axis Bank | earns nothing | — | Insurance services are on the exclusion list |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | Insurance services earn nothing |
| Kotak Cashback+ Kotak Mahindra Bank | earns nothing | — | Insurance earns nothing HERE — and this is the difference from the Prime variant, which pays the 0.5% base on insurance up to ₹25,000 a billing cycle |
| Kotak UPI RuPay Kotak Mahindra Bank | earns nothing | — | Added to the exclusion list with effect from 1 June 2025 |
| Axis Bank Kwik Axis Bank | earns nothing | — | Insurance earns no EDGE REWARD Points |
| Axis Bank Pride Platinum Axis Bank | earns nothing | — | Insurance earns no EDGE REWARD Points on this card |
| Axis Bank Pride Signature Axis Bank | earns nothing | — | Insurance earns no EDGE REWARD Points on this card |
| Axis Bank Titanium Smart Traveller Axis Bank | earns nothing | — | Insurance payments earn no EDGE REWARD Points |
| HDFC Bank UPI RuPay HDFC Bank | earns nothing | — | Zero CashPoints — "Insurance payments" is on the exclusion list. Note this differs from HDFC's Reward Points programme, where insurance earns to a 10,000-point monthly cap |
| IndianOil HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero Fuel Points — §2.1 names insurance outright |
| IndianOil Axis Bank Credit Card Axis Bank | earns nothing | — | No EDGE REWARDS, and insurance spends are stripped from the ₹3,50,000 annual-fee waiver count as well |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Zero points — insurance is named outright in the exclusion list |
| ICICI Bank Parakram ICICI Bank | earns nothing | — | Zero reward points w.e.f. 15 Apr 2024, per the card's own T&C earn table |
| ICICI Bank Parakram Select ICICI Bank | earns nothing | — | Zero reward points w.e.f. 15 Apr 2024, per the card's own T&C earn table |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list — zero cashback |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list — zero cashback |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list — zero cashback |
| Axis Bank Shoppers Stop Credit Card Axis Bank | earns nothing | — | On both exclusion lists for earn; not on the waiver-exclusion list, so it still counts toward the ₹1,00,000 |
| RBL Platinum Delight RBL Bank | earns nothing | — | Zero RP — "Insurance" (MCC 6300, 6310) plus "Miscellaneous" (MCC 5960); neither counts toward the ₹2 lakh waiver |
| RBL Platinum ShopGain RBL Bank | earns nothing | — | Zero RP — "Insurance" (MCC 6300, 6310) in the first footnote, "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL Platinum Max RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Insurance" (MCC 6300, 6310); "Miscellaneous" (MCC 5960, direct-marketing insurance) was excluded on top from 15-Oct-2024 |
| RBL Platinum Prime RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Insurance" (MCC 6300, 6310), plus "Miscellaneous" (MCC 5960) from 15-Oct-2024 |
| RBL Platinum Plus RBL Bank | earns nothing | — | Zero RP — "Insurance" (MCC 6300, 6310) in the first footnote, "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL Platinum Choice RBL Bank | earns nothing | — | Zero RP — "Insurance" (MCC 6300, 6310) in the first footnote, "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL Platinum Advantage RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Insurance" (MCC 6300, 6310); "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL Binge RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Insurance" (MCC 6300, 6310), also excluded by name from the online rung; "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL MyFirst RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Insurance" (MCC 6300, 6310), with "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL EasySaver RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Insurance" (MCC 6300, 6310); "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL Shoprite RBL Bank | earns nothing | — | Zero RP — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960); neither counts toward the waiver |
| RBL Movies and More RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) |
| RBL Patanjali Vishisht RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) |
| RBL Bank SalarySe UP RBL Bank | earns nothing | — | Zero RP and no waiver credit — "Insurance" (MCC 6300, 6310) |
| RBL Bank DMI Finance RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) |
| RBL Paisabazaar Duet RBL Bank | earns nothing | — | No cashback — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) |
| RBL Paisabazaar Duet Plus RBL Bank | earns nothing | — | No cashback — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) |
| RBL BankBazaar SaveMax RBL Bank | earns nothing | — | Zero RP — "Insurance" (MCC 6300, 6310) on the original list, "Miscellaneous" (MCC 5960) added 15-Oct-2024 |
| RBL Cookies RBL Bank | earns nothing | — | Zero benefit — "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | earns nothing | — | MCCs 5960, 6300, 6381 and 6399 earn no cashback |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | earns nothing | — | MCCs 5960, 6300, 6381 and 6399 earn no cashback |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | earns nothing | — | "Insurance premium & related payments — 6300" |
| CUB CSK Master Platinum City Union Bank | earns nothing | — | CUB writes this row as "Insurance | 5960–6399", a range far wider than its label: 5960 is direct-marketing insurance, but 6300 is insurance sales and the span also takes in the 6000-block of financial institutions and money transfer |
| CUB SRH Master Platinum City Union Bank | earns nothing | — | CUB's "Insurance | 5960–6399" range earns nothing and sweeps in the 6000-block of financial institutions along with it |
| CUB CSK RuPay Platinum City Union Bank | earns nothing | — | CUB's "Insurance | 5960–6399" range earns nothing and sweeps in the 6000-block of financial institutions along with it |
| CUB SRH RuPay Platinum City Union Bank | earns nothing | — | CUB's "Insurance | 5960–6399" range earns nothing and sweeps in the 6000-block of financial institutions along with it |
| CUB CSK Master World City Union Bank | earns nothing | — | CUB writes this row as "Insurance | 5960–6399", a range far wider than its label: 5960 is direct-marketing insurance, but 6300 is insurance sales and the span also takes in the 6000-block of financial institutions and money transfer |
| CUB SRH Master World City Union Bank | earns nothing | — | CUB's "Insurance | 5960–6399" range earns nothing and sweeps in the 6000-block of financial institutions along with it |
| IndianOil RBL Bank Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Insurance" (MCC 6300, 6310) on the T&C's §3.7 exclusion table |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Insurance" (MCC 6300, 6310) on the T&C's §3.8 exclusion table |
| RBL Bank Shoppers Stop Black RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 6300, 6310) |
| RBL Bank Shoppers Stop Platinum RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 6300, 6310) |
| RBL Bank Shoppers Stop Gold RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 6300, 6310) |
| Amex Platinum Travel American Express | earns nothing | — | Official: no MR on insurance |
| Amex Platinum Charge American Express | earns nothing | — | Official FAQ: no MR on insurance |
| Amex Membership Rewards Card American Express | earns nothing | — | No MR on insurance |
| Amex Platinum Reserve American Express | earns nothing | — | Official: no MR on insurance |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | MCC 6300 zeroed w.e.f. 27-Feb-2026 (Scapia devaluation notice) |
| Amex Gold Charge American Express | earns nothing | — | No MR on insurance |
| RBL World Plus RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes |
| RBL World Prime RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes |
| RBL World Max RBL Bank | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes |
| Axis Atlas Axis Bank | earns nothing | — | 6300/6381/5960/6012/6051; zero since 20-Apr-2024 |
| Axis Bank Vistara Infinite Credit Card Axis Bank | earns nothing | — | Excluded from earn and milestone calculation since 20 Apr 2024 (MCCs 5960, 6012, 6051, 6300, 6381) |
| YES First Preferred YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 6300, 6381) — insurance was a Select category earning 4 per ₹200 until then |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | earns nothing | — | No points — "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table |
| Emirates Skywards ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero Miles w.e.f. 15 Jan 2026 |
| Axis Bank Vistara Signature Credit Card Axis Bank | earns nothing | — | Excluded from earn AND milestone calculation since 20 Apr 2024 on MCCs 5960, 6012, 6051, 6300, 6381 — Axis published the numbers for the Signature card by name |
| Axis Bank Vistara Credit Card Axis Bank | earns nothing | — | Excluded from earn AND from milestone calculation since 20 Apr 2024, on the MCCs Axis published by number: 5960, 6012, 6051, 6300, 6381 |
| RBL Bank novio RBL Bank | earns nothing | — | No Reward Points — MCC 6300 and 6310 |
| RBL vCard RBL Bank | earns nothing | — | No Reward Points — MCC 6300 and 5960 |
Best credit cards for paying insurance premiums in India (2026)
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of insurance returns on a swipe today; this board ranks on ₹ back on a ₹1,20,000 premium . Same data, two views, and each says its own question.
Which is the best credit card for paying insurance premiums in India?
START WITH THE NEGATIVE, because it is the finding: 148 of the 255 whose insurance rule this desk holds earn EXACTLY NOTHING on a premium, and another 7 publish a ceiling this desk 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 100 this desk can price, of 107 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: 22 of the 100 ranked cards stop earning part-way through ONE premium, because the issuer wrote the ceiling per MONTH and the insurer bills once a year. The tightest of them — PhonePe SBI Card SELECT BLACK — earns on ₹5,000 of the ₹1,20,000 and nothing on the rest.
An insurance premium is the biggest single swipe most Indian households make all year, and the issuers wrote their ceilings per MONTH. 148 of the 255 whose insurance rule we hold pay zero on a premium; 22 of the 100 ranked cards stop earning part-way through one. Priced at ₹1,20,000 a year, billed once.
Verified through · The records behind this board — the card records this ranks and the insurance rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build.
Ranks 1–15 of 100 · ranked by ₹ back on a ₹1,20,000 premium
| # | Card | ₹ back on a ₹1,20,000 premium | The math |
|---|---|---|---|
| 1 | HDFC Diners Club Black Metal | ₹3,996 | 3.33% on an insurance premium · its ceiling — ₹1,50,000 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹10,000/yr |
| 2 | LIC IDFC FIRST Select | ₹2,400 | 2.00% on a LIC premium · no monthly ceiling in any document we hold — 10X = 10 RP per ₹125 = 8 RP/₹100 = 2% · ₹0 — lifetime free |
| 3 | Standard Chartered Ultimate | ₹2,400 | 2.00% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 3 RP/₹150 on MCC 5960+6300 · uncapped · ₹5,000/yr |
| 4 | Tata Neu Infinity HDFC Bank | ₹1,800 | 1.50% on an insurance premium · its ceiling — ₹1,33,333 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr |
| 5 | Tata Neu Infinity SBI Card | ₹1,800 | 1.50% on an insurance premium · its ceiling — ₹1,33,333 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr |
| 6 | LIC Axis Bank Platinum | ₹1,710 | 1.42% on a LIC premium · no monthly ceiling in any document we hold — 2 Reward points per ₹100, but only through LIC's own official premium-payment gateways · a third-pa… · ₹0 — lifetime free |
| 7 | KrisFlyer SBI Card | ₹1,320 | 1.10% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹2,999/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 8 | HDFC Regalia Gold | ₹1,304 | 1.63% on an insurance premium · the earn stops at ₹80,000 of premium in a statement month, so ₹40,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹2,500/yr |
| 9 | BOBCARD Uni GoldX | ₹1,200 | 1.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free |
| 10 | Tata Neu Plus SBI Card | ₹1,200 | 1.00% on an insurance premium · its ceiling — ₹2,00,000 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹499/yr |
| 11 | SBI AURUM | ₹1,200 | 1.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹9,999/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 12 | Marriott Bonvoy HDFC Bank | ₹1,037 | 0.86% on an insurance premium · its ceiling — ₹1,50,000 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹3,000/yr |
| 13 | HDFC Bank Millennia | ₹1,000 | 1.00% on an insurance premium · the card's own ₹1,00,000-a-month earn ceiling stops it, so ₹20,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹1,000/yr |
| 14 | IndusInd Tiger | ₹960 | 0.80% on an insurance premium · its ceiling — ₹4,38,900 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free |
| 15 | IRCTC SBI Card Premier | ₹960 | 0.80% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
the other 85 — ranks 16 to 100
| # | Card | ₹ back on a ₹1,20,000 premium | The math |
|---|---|---|---|
| 16 | IndusInd Legend | ₹960 | 0.80% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0/yr · ₹5,000 joining (one-time) · the desk's own rule here is flagged unverified — ranked, not crowned |
| 17 | IndusInd Pinnacle World | ₹672 | 0.56% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 'Select category' ~0.70 RP/₹100 · ₹0/yr · ₹15,000 joining (one-time) · the desk's own rule here is flagged unverified — ranked, not crowned |
| 18 | IndusInd Duo | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free |
| 19 | SBI Card PRIME | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹2,999/yr |
| 20 | SBI Card ELITE | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹4,999/yr |
| 21 | IndusInd Avios Visa Infinite | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 Avios/₹200 vs 3 Avios/₹200 base · ₹10,000 joining, then ₹5,000/yr |
| 22 | Kotak Zen Signature | ₹583 | 0.83% on an insurance premium · the earn stops at ₹70,000 of premium in a statement month, so ₹50,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹1,500/yr |
| 23 | Kotak Air+ Prime | ₹500 | 2.00% on an insurance premium · the earn stops at ₹25,000 of premium in a statement month, so ₹95,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹3,000/yr |
| 24 | IDFC FIRST Mayura | ₹400 | 0.33% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹150 vs the 5 RP/₹150 base · ₹5,999/yr |
| 25 | IDFC FIRST Ashva | ₹321 | 0.27% on an insurance premium · no monthly ceiling in any document we hold — 1 RP per ₹150 ≈ 0.27% · ₹2,999/yr |
| 26 | Federal Bank Celesta | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 27 | AU LIT Credit Card | ₹300 | 0.25% on an insurance premium · its ceiling — ₹10,00,000 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free |
| 28 | AU Bank NOMO Credit Card | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 Reward Point per ₹100 · ₹0/yr · ₹199 joining (one-time) |
| 29 | AU Altura Plus Credit Card | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹499/yr |
| 30 | BPCL SBI Card OCTANE | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr |
| 31 | IndiGo IDFC FIRST Dual Credit Card | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.5 BluChips/₹100 (published reduced band) · ₹4,999/yr |
| 32 | IDFC FIRST WOW! Black | ₹201 | 0.17% on an insurance premium · no monthly ceiling in any document we hold — 1 RP per ₹150 ≈ 0.17% · ₹750/yr |
| 33 | IDFC FIRST Diamond Reserve | ₹201 | 0.17% on an insurance premium · no monthly ceiling in any document we hold — 1 RP per ₹150 ≈ 0.17% · ₹3,000/yr |
| 34 | Standard Chartered Rewards | ₹200 | 0.17% on an insurance premium · no monthly ceiling in any document we hold — 1 RP per ₹150 only, and these categories never earn the bonus · ₹0 joining, then ₹1,000/yr |
| 35 | IDFC FIRST WOW! | ₹150 | 0.13% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹200 vs the 4 RP/₹200 base ≈ 0.13% (named in the rewards T&C) · ₹0 — lifetime free |
| 36 | IDFC FIRST Wealth | ₹150 | 0.13% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹200 vs the 3 RP/₹200 base (~0.13%) · ₹0 — lifetime free |
| 37 | IDFC FIRST Select | ₹150 | 0.13% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% · ₹0 — lifetime free |
| 38 | IDFC FIRST Millennia | ₹150 | 0.13% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% · ₹0 — lifetime free |
| 39 | IDFC FIRST Classic | ₹150 | 0.13% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% · ₹0 — lifetime free |
| 40 | Kotak Cashback+ Prime | ₹125 | 0.50% on an insurance premium · the earn stops at ₹25,000 of premium in a statement month, so ₹95,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹750/yr |
| 41 | ICICI Bank Platinum Chip Credit Card | ₹100 | 0.25% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 2 RP per ₹100 on retail · on the first ₹40,000 of insurance spend a statement cycle (MCC 5960 · ₹0 — lifetime free |
| 42 | ICICI Bank HPCL Coral Credit Card | ₹100 | 0.25% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 2 RP per ₹100 on retail · on the first ₹40,000 of insurance spend a cycle (MCC 5960 · ₹199/yr |
| 43 | Unity Bank BharatPe Credit Card | ₹2,400 | 2.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 44 | DBS Vantage | ₹2,400 | 2.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹20,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 45 | Titan SBI Card | ₹1,500 | 1.50% on an insurance premium · the earn stops at ₹1,00,000 of premium in a statement month, so ₹20,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹2,999/yr · the desk's own verdict is downgrade |
| 46 | IndiGo SBI Card ELITE | ₹1,200 | 1.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹4,999/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 47 | YES Bank RESERV | ₹900 | 0.75% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — Select-category 6 RP/₹200 (0.75%) · ₹2,499/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 48 | IndusInd Bank Nexxt Credit Card | ₹640 | 0.53% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0/yr · ₹10,000 joining (one-time) · the desk's own verdict is downgrade |
| 49 | Standard Chartered EaseMyTrip | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹350/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 50 | IRCTC BOBCARD | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 51 | Adani One ICICI Bank Platinum | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.5 per ₹100 vs 1 per ₹100 on domestic retail · ₹750/yr · the desk's own verdict is downgrade |
| 52 | SBI Card PULSE | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 53 | Reliance SBI Card PRIME | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹2,999/yr · the desk's own verdict is downgrade |
| 54 | Adani One ICICI Bank Signature | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.5 Adani Reward Points/₹100 vs 1.5 Adani Reward Points/₹100 on ordinary retail · ₹5,000/yr · the desk's own verdict is downgrade |
| 55 | RBL Icon | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹5,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 56 | Apollo SBI Card SELECT | ₹540 | 0.45% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 57 | AU Ananta | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹100 per the official Ananta earn table · ₹2,000/yr · the desk's own verdict is cancel |
| 58 | AU Vetta | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹100 per AU's earn table · ₹2,999/yr · the desk's own verdict is cancel · the desk's own rule here is flagged unverified — ranked, not crowned |
| 59 | ICICI Bank Rubyx | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹100 vs 2 RP/₹100 domestic per the official earn table · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 60 | AU Zenith | ₹300 | 0.25% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 1 RP/₹100 per AU's official earn table (product page · ₹7,999/yr · the desk's own verdict is cancel |
| 61 | IndusInd Platinum Aura Edge | ₹240 | 0.20% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 62 | ICICI Bank HPCL Super Saver | ₹200 | 0.50% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 63 | ICICI Bank Rubyx against FD | ₹200 | 0.25% on an insurance premium · the earn stops at ₹80,000 of premium in a statement month, so ₹40,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · capped at ₹80,000 of insurance spend a statement cycle · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 64 | ICICI Bank Emeralde | ₹200 | 0.25% on an insurance premium · the earn stops at ₹80,000 of premium in a statement month, so ₹40,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 4 RP per ₹100 · capped at ₹80,000 of insurance spend a statement cycle · ₹12,000/yr · the desk's own verdict is downgrade |
| 65 | ICICI Bank Expressions | ₹100 | 0.25% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 3 RP per ₹100 on retail · capped at ₹40,000 of insurance spend a cycle · ₹499/yr · the desk's own verdict is downgrade |
| 66 | ICICI Bank Coral | ₹100 | 0.25% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · capped at ₹40,000 of insurance spend a statement cycle (MCC 5960 · ₹500/yr · the desk's own verdict is downgrade |
| 67 | ICICI Bank Coral against FD | ₹100 | 0.25% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · capped at ₹40,000 of insurance spend a statement cycle · ₹500/yr · the desk's own verdict is downgrade |
| 68 | Axis Bank PRIMUS | ₹6,000 | 5.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application |
| 69 | Axis Burgundy Private | ₹4,800 | 6.00% on an insurance premium · the earn stops at ₹80,000 of premium in a statement month, so ₹40,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹1,00,000/yr · invite-only — not on open application |
| 70 | HDFC Infinia Metal | ₹3,996 | 3.33% on an insurance premium · its ceiling — ₹3,00,000 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹12,500/yr · invite-only — not on open application |
| 71 | Air India SBI Signature Card | ₹3,840 | 3.20% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹4,999/yr · closed to new applicants |
| 72 | ICICI Emeralde Private Metal | ₹3,600 | 3.00% on an insurance premium · its ceiling — ₹1,66,667 a month — is not reached by a ₹1,20,000 premium — the card's ordinary rate, no insurance accelerator published · ₹12,499/yr · invite-only — not on open application |
| 73 | Standard Chartered Beyond | ₹2,400 | 2.00% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 3 RP per ₹150 (2%) · uncapped · ₹15,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 74 | DBS Altitude | ₹2,000 | 2.00% on an insurance premium · the earn stops at ₹1,00,000 of premium in a statement month, so ₹20,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹4,999/yr · invite-only — not on open application |
| 75 | Club Vistara SBI Card PRIME | ₹1,920 | 1.60% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0/yr · ₹2,999 joining (one-time) · closed to new applicants |
| 76 | Amazon Pay ICICI Bank | ₹1,200 | 1.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free · invite-only — not on open application |
| 77 | Paytm SBI Card | ₹1,200 | 1.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹499/yr · availability not published |
| 78 | Paytm SBI Card SELECT | ₹1,200 | 1.00% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹1,499/yr · availability not published |
| 79 | HDFC Regalia | ₹1,000 | 1.00% on an insurance premium · the earn stops at ₹1,00,000 of premium in a statement month, so ₹20,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹2,500/yr · closed to new applicants |
| 80 | HDFC Regalia Activ | ₹1,000 | 1.00% on an insurance premium · the earn stops at ₹1,00,000 of premium in a statement month, so ₹20,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹2,500/yr · closed to new applicants |
| 81 | Flipkart Axis Bank Super Elite | ₹960 | 0.80% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹500/yr · issuance paused |
| 82 | IndusInd Pioneer Heritage | ₹960 | 0.80% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹1,00,000 joining, then ₹25,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 83 | IDFC FIRST Gaj | ₹801 | 0.67% on an insurance premium · no monthly ceiling in any document we hold — 1 RP per ₹150 ≈ 0.67% · utilities also draw a 1% fee past ₹50k a cycle · ₹12,500/yr · invite-only — not on open application |
| 84 | IDFC FIRST Private | ₹801 | 0.67% on an insurance premium · no monthly ceiling in any document we hold — 1 RP per ₹150 ≈ 0.67% · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 85 | IndusInd PIONEER Private | ₹672 | 0.56% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.7 RP/₹100 vs 3 RP/₹100 · ₹25,000/yr · invite-only — not on open application |
| 86 | IndusInd Pioneer Legacy | ₹672 | 0.56% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.70 RP/₹100 vs 1 RP/₹100 on weekdays · ₹0/yr · ₹50,000 joining (one-time) · invite-only — not on open application |
| 87 | IndusInd Iconia Amex | ₹627 | 0.52% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.70 RP/₹100 vs 1.5 RP/₹100 on weekdays · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants |
| 88 | Kotak Privy League Signature | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹2,500/yr · closed to new applicants · the desk's own rule here is flagged unverified — ranked, not crowned |
| 89 | KVB SBI Platinum Card | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹2,999/yr · availability not published |
| 90 | South Indian Bank SBI Platinum Card | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹2,999/yr · availability not published |
| 91 | KVB SBI Signature Card | ₹600 | 0.50% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹4,999/yr · availability not published |
| 92 | PhonePe SBI Card SELECT BLACK | ₹500 | 10.00% paid through PhonePe · the earn stops at ₹5,000 of premium in a statement month, so ₹1,15,000 of a ₹1,20,000 premium paid in one go earns nothing — 10 RP per ₹100, capped at 1,500 RP a month (500 on insurance) · ₹1,499/yr · availability not published |
| 93 | Indus Solitaire | ₹464 | 0.39% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.7 RP/₹100 vs 1 RP/₹100 · ₹30,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 94 | IndusInd Indulge | ₹336 | 0.28% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.70 RP/₹100 vs 1.5 RP/₹100 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 95 | PhonePe SBI Card PURPLE | ₹250 | 3.00% paid through PhonePe · the earn stops at ₹8,333 of premium in a statement month, so ₹1,11,667 of a ₹1,20,000 premium paid in one go earns nothing — 3 RP per ₹100, capped at 750 RP a calendar month on non-insurance spend and 250 RP a month on insur… · ₹499/yr · availability not published |
| 96 | OneCard Metal | ₹240 | 0.20% on an insurance premium · no monthly ceiling in any document we hold — the card's ordinary rate, no insurance accelerator published · ₹0 — lifetime free · issuance paused · the desk's own rule here is flagged unverified — ranked, not crowned |
| 97 | Kotak Royale Signature | ₹233 | 0.33% on an insurance premium · the earn stops at ₹70,000 of premium in a statement month, so ₹50,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's ordinary rate, no insurance accelerator published · ₹1,499 joining, then ₹999/yr · closed to new applicants |
| 98 | IndusInd Celesta | ₹228 | 0.19% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.70 RP/₹100 vs 1 RP/₹100 domestic · ₹25,000 joining, then ₹5,000/yr · invite-only — not on open application |
| 99 | IndusInd Crest | ₹228 | 0.19% on an insurance premium · no monthly ceiling in any document we hold — the card's REDUCED insurance rate — 0.70 RP/₹100 vs 1 RP/₹100 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 100 | Chennai Super Kings ICICI Bank | ₹100 | 0.25% on an insurance premium · the earn stops at ₹40,000 of premium in a statement month, so ₹80,000 of a ₹1,20,000 premium paid in one go earns nothing — the card's REDUCED insurance rate — 1 RP per ₹100 vs 2 RP per ₹100 · capped at ₹40,000 of insurance spend a cycle · ₹500/yr · closed to new applicants |
Named, not ranked — pays nothing on a premium, or caps it in units we can’t price — 157 cards, each with the reason
- Axis Magnus for Burgundy — your insurance premium earns nothing on this card — Same as Magnus
- Axis Olympus — 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
- HSBC Premier (Metal) — 3.00% 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
- Axis Magnus — your insurance premium earns nothing on this card — Zero since 20-Apr-2024
- BOBCARD Etihad Guest Premium — your insurance premium earns nothing on this card — Zero miles · Annexure 1 MCCs 5960/6300 (official MITC)
- RBL Nova — your insurance premium earns nothing on this card — "Insurance" in the official rbl.bank.in exclusion list
- HSBC TravelOne — your insurance premium earns nothing on this card — MCC 6300, 5960
- Kotak Air+ — your insurance premium earns nothing on this card — Insurance in the published no-earn list
- Axis Bank Reserve — your insurance premium earns nothing on this card — Zero
- ICICI Times Black — 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
- Axis Horizon — your insurance premium earns nothing on this card — MCC 6300/6381/5960/6012/6051 zero
- YES Bank Marquee — 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)
- HDFC Diners Club Privilege — the issuer publishes a ceiling on what a premium may earn and writes it in units nothing here turns into rupees — Earns base, inside the ~50,000 RP/cycle bucket (CardInsider) — so this card is priced at nothing rather than ranked as though the ceiling were not there
- Axis Miles & More World Select — your insurance premium earns nothing on this card — Excluded · community/flag
- Scapia (Federal Bank) — your insurance premium earns nothing on this card — MCC 6300 zeroed w.e.f · 27-Feb-2026 (official devaluation notice)
- ixigo AU — your insurance premium earns nothing on this card — Insurance on the official no-RP exclusion list
- BOBCARD Etihad Guest — your insurance premium earns nothing on this card — MCC 5960/6300
- SBI Card MILES PRIME — your insurance premium earns nothing on this card — MCC 5960/6300/6380
- HSBC Live+ — your insurance premium earns nothing on this card — 0% cashback
- HSBC RuPay Cashback — 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 c…
- Equitas PowerMiles — the issuer publishes a ceiling on what a premium may earn and writes it in units nothing here turns into rupees — Earns the 3 RP/₹100 base but capped at 2,000 RP a day · the MITC says "Insurance transactions will be capped… — so this card is priced at nothing rather than ranked as though the ceiling were not there
- IDBI Bank LIC Eclat Select — 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 (d…
- BOBCARD Eterna — your insurance premium earns nothing on this card — Zero earn · Annexure 1 MCCs 5960/6300 (official rewards T&C)
- BOBCARD Tiara — your insurance premium earns nothing on this card — Zero points · Annexure 1 covers 5960 and 6300
- Axis Miles & More World — your insurance premium earns nothing on this card — Excluded · community/flag
- Axis Bank SELECT — your insurance premium earns nothing on this card — Insurance named in the 20-Jun-2025 T&C exclusion list
- Kotak Air — your insurance premium earns nothing on this card — Insurance in the published no-earn list
- IDBI Bank Euphoria World — 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 (d…
- IDBI Bank Royale Signature — 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 (d…
- HSBC Platinum — your insurance premium earns nothing on this card — Zero reward points · HSBC names 6300 and 5960, but not 6380 or 6381
- HSBC RuPay Platinum — your insurance premium earns nothing on this card — Zero reward points · HSBC names 6300 and 5960, but not 6380 or 6381
- RBL Platinum Maxima — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- IDBI Bank Winnings — 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 (d…
- RBL Platinum Maxima Plus — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- TVS Credit RBL Bank Gold — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- IndiGo Kotak Premium Credit Card — your insurance premium earns nothing on this card — Insurance in the published exclusion list
- IndiGo Axis Bank Premium Credit Card — your insurance premium earns nothing on this card — "Insurance Services" in the card's published exclusion list
- Emirates Skywards ICICI Bank Emeralde — your insurance premium earns nothing on this card — Zero miles (official card-page exclusion list)
- YES Bank ELITE+ — 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
- SpiceJet Axis Bank Voyage Black — your insurance premium earns nothing on this card — Zero SC Points · insurance named in the earn exclusion list
- Kotak Solitaire — your insurance premium earns nothing on this card — Zero Air Miles · official MCC table (5960, 6300) · corrected from full, 2026-07-22
- SBI Card MILES ELITE — your insurance premium earns nothing on this card — MCC 5960/6300/6380
- IndiGo SBI Card — the issuer's own documents disagree about this card's insurance earn — we won't rank a number we can't settle — base 1 BluChip/₹100 (flag)
- IndiGo Kotak Credit Card — your insurance premium earns nothing on this card — Insurance in the published exclusion list
- YES Essence — your insurance premium earns nothing on this card — Insurance named in the card's own exclusion list
- RBL World Safari — your insurance premium earns nothing on this card — MCC 6300/6310, plus direct-marketing insurance 5960 under 'Miscellaneous'
- RBL World Safari Lite — your insurance premium earns nothing on this card — Named in §3.4(d) as ineligible to earn
- RBL Platinum Edge — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's own dated exclusion footnote
- RBL World Safari Plus — 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
- PhonePe HDFC Bank Ultimo — your insurance premium earns nothing on this card — Insurance and investments both named in the Reward Points TnCs exclusion list
- Emirates Skywards ICICI Bank Sapphiro — your insurance premium earns nothing on this card — Zero miles (official card-page exclusion list)
- MakeMyTrip ICICI Bank — your insurance premium earns nothing on this card — ICICI utility bucket → zero · community mapping, flag
- Axis Bank Privilege — your insurance premium earns nothing on this card — Insurance is on the published no-earn list
- Kotak White Reserve — your insurance premium earns nothing on this card — No per-swipe points (flag)
- RBL Bank Patanjali Swarn — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- TVS Credit RBL Bank — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- RBL Bank Blockbuster — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- RBL Platinum LifeEasy — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's own dated exclusion footnote
- SpiceJet Axis Bank Voyage — your insurance premium earns nothing on this card — Zero SC Points · insurance named in the earn exclusion list
- IndianOil Axis Bank Premium — 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 n…
- IndiGo Axis Bank Credit Card — your insurance premium earns nothing on this card — "Insurance Services" in the card's published exclusion list
- HDFC PIXEL Go — the issuer publishes a ceiling on what a premium may earn and writes it in units nothing here turns into rupees — "The CashPoints for Insurance Spends will be capped at 2,000 CashPoints per day" · a daily cap, not a monthly… — so this card is priced at nothing rather than ranked as though the ceiling were not there
- SBI Card MILES — your insurance premium earns nothing on this card — MCC 5960/6300/6380
- RBL Signature Banking — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- RBL Aspire Banking — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- ICICI Sapphiro — the issuer publishes a ceiling on what a premium may earn and writes it in units nothing here turns into rupees — 1 RP/₹100 vs 2 RP/₹100 domestic (official earn table) · same Nov-2024 spend cap — so this card is priced at nothing rather than ranked as though the ceiling were not there
- Union Bank UNICORN — 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 "includ…
- RBL Apex — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- BOBCARD Premier — your insurance premium earns nothing on this card — Zero points · Annexure 1 covers 5960 and 6300
- Union Bank NEXTERIA — 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 Bank…
- IRCTC RBL Bank Credit Card — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- HPCL ENERGIE BOBCARD — your insurance premium earns nothing on this card — Zero points · Annexure 1 covers 5960 and 6300
- YES Bank SELECT — 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
- YES Bank BYOC (Rewards) — your insurance premium earns nothing on this card — Zero points w.e.f · 15-Jun-2026 (MCCs 6300, 6381)
- YES Bank Zagg Credit Card — 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 Insurance…
- Kotak League Platinum — your insurance premium earns nothing on this card — Zen and Royale cap insurance at ₹70,000 a cycle
- Axis Bank My Zone — your insurance premium earns nothing on this card — Insurance earns nothing and is excluded from the milestone count
- Fibe Axis Bank Credit Card — your insurance premium earns nothing on this card — Insurance is on the cashback exclusion list
- Axis Bank ACE — your insurance premium earns nothing on this card — Insurance premium payments are on the cashback exclusion list
- Axis Bank REWARDS — your insurance premium earns nothing on this card — On the excluded-MCC table for earn, and separately named in the milestone-exclusion clause
- YES Bank Wellness Plus — your insurance premium earns nothing on this card — Zero points w.e.f · 15-Jun-2026 (MCCs 6300, 6381)
- Flipkart Axis Bank Credit Card — your insurance premium earns nothing on this card — "Insurance Services" is an excluded MCC category
- Axis Bank NEO — your insurance premium earns nothing on this card — Zero points
- AU Zenith+ — 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
- IDFC FIRST HPCL Power+ — 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 refu…
- Flipkart SBI Card — your insurance premium earns nothing on this card — 0% cashback
- CASHBACK SBI Card — your insurance premium earns nothing on this card — Zero cashback on MCC 5960, 6300 and 6381
- Axis Bank Cashback — your insurance premium earns nothing on this card — On the excluded-MCC list · insurance earns nothing under any category
- Axis Bank Freecharge Plus — your insurance premium earns nothing on this card — Insurance services are on the exclusion list
- Axis Bank SuperMoney RuPay — your insurance premium earns nothing on this card — Insurance services earn nothing
- Kotak Cashback+ — 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
- Kotak UPI RuPay — your insurance premium earns nothing on this card — Added to the exclusion list with effect from 1 June 2025
- Axis Bank Kwik — your insurance premium earns nothing on this card — Insurance earns no EDGE REWARD Points
- Axis Bank Pride Platinum — your insurance premium earns nothing on this card — Insurance earns no EDGE REWARD Points on this card
- Axis Bank Pride Signature — your insurance premium earns nothing on this card — Insurance earns no EDGE REWARD Points on this card
- Axis Bank Titanium Smart Traveller — your insurance premium earns nothing on this card — Insurance payments earn no EDGE REWARD Points
- HDFC Bank UPI RuPay — 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
- IndianOil HDFC Bank Credit Card — your insurance premium earns nothing on this card — Zero Fuel Points · §2.1 names insurance outright
- IndianOil Axis 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
- Shoppers Stop HDFC Bank — your insurance premium earns nothing on this card — Zero points · insurance is named outright in the exclusion list
- ICICI Bank Parakram — 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
- ICICI Bank Parakram Select — 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
- Utkarsh Eternal Credit Card — your insurance premium earns nothing on this card — Named on the ineligible list · zero cashback
- Utkarsh Rhodium Credit Card — your insurance premium earns nothing on this card — Named on the ineligible list · zero cashback
- Utkarsh SmartGen Credit Card — your insurance premium earns nothing on this card — Named on the ineligible list · zero cashback
- Axis Bank Shoppers Stop Credit Card — your insurance premium earns nothing on this card — not on the waiver-exclusion list, so it still counts toward the ₹1,00,000
- RBL Platinum Delight — your insurance premium earns nothing on this card — neither counts toward the ₹2 lakh waiver
- RBL Platinum ShopGain — 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
- RBL Platinum Max — 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 on…
- RBL Platinum Prime — 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
- RBL Platinum Plus — 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
- RBL Platinum Choice — 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
- RBL Platinum Advantage — 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
- RBL Binge — 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 rung · "Miscellaneous" (MCC 5960)…
- RBL MyFirst — 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
- RBL EasySaver — 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
- RBL Shoprite — your insurance premium earns nothing on this card — Zero RP · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960) · neither counts toward the waiver
- RBL Movies and More — your insurance premium earns nothing on this card — Zero RP and no milestone credit · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960)
- RBL Patanjali Vishisht — your insurance premium earns nothing on this card — Zero RP and no milestone credit · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960)
- RBL Bank SalarySe UP — your insurance premium earns nothing on this card — Zero RP and no waiver credit · "Insurance" (MCC 6300, 6310)
- RBL Bank DMI Finance — your insurance premium earns nothing on this card — Zero RP and no milestone credit · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960)
- RBL Paisabazaar Duet — your insurance premium earns nothing on this card — No cashback · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960)
- RBL Paisabazaar Duet Plus — your insurance premium earns nothing on this card — No cashback · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960)
- RBL BankBazaar SaveMax — 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
- RBL Cookies — your insurance premium earns nothing on this card — Zero benefit · "Insurance" (MCC 6300, 6310) and "Miscellaneous" (MCC 5960)
- Suryoday SFB RuPay Platinum — your insurance premium earns nothing on this card — MCCs 5960, 6300, 6381 and 6399 earn no cashback
- Suryoday SFB RuPay Select — your insurance premium earns nothing on this card — MCCs 5960, 6300, 6381 and 6399 earn no cashback
- Paisabazaar Step-Up SBM Credit Card — your insurance premium earns nothing on this card — "Insurance premium & related payments · 6300"
- CUB CSK Master Platinum — 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 is…
- CUB SRH Master Platinum — 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
- CUB CSK RuPay Platinum — 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
- CUB SRH RuPay Platinum — 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
- CUB CSK Master World — 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 is…
- CUB SRH Master World — 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
- 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 §3.7 exclusion table
- IndianOil RBL Bank XTRA 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
- RBL Bank Shoppers Stop Black — your insurance premium earns nothing on this card — Zero points and no milestone credit (MCC 6300, 6310)
- RBL Bank Shoppers Stop Platinum — your insurance premium earns nothing on this card — Zero points and no milestone credit (MCC 6300, 6310)
- RBL Bank Shoppers Stop Gold — your insurance premium earns nothing on this card — Zero points and no milestone credit (MCC 6300, 6310)
- Amex Platinum Travel — your insurance premium earns nothing on this card — Official: no MR on insurance
- Amex Platinum Charge — your insurance premium earns nothing on this card — Official FAQ: no MR on insurance
- Amex Membership Rewards Card — your insurance premium earns nothing on this card — No MR on insurance
- Amex Platinum Reserve — your insurance premium earns nothing on this card — Official: no MR on insurance
- Scapia (BOBCARD) — your insurance premium earns nothing on this card — 27-Feb-2026 (Scapia devaluation notice)
- Amex Gold Charge — your insurance premium earns nothing on this card — No MR on insurance
- RBL World Plus — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes
- RBL World Prime — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes
- RBL World Max — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the product page's two stacked exclusion footnotes
- Axis Atlas — your insurance premium earns nothing on this card — 6300/6381/5960/6012/6051 · zero since 20-Apr-2024
- Axis Bank Vistara Infinite Credit Card — your insurance premium earns nothing on this card — Excluded from earn and milestone calculation since 20 Apr 2024 (MCCs 5960, 6012, 6051, 6300, 6381)
- YES First Preferred — your insurance premium earns nothing on this card — insurance was a Select category earning 4 per ₹200 until then
- RBL Bank Black — your insurance premium earns nothing on this card — No points · "Insurance" (MCC 6300, 6310) on the T&C's own category/MCC exclusion table
- Emirates Skywards ICICI Bank Rubyx — your insurance premium earns nothing on this card — Zero Miles w.e.f · 15 Jan 2026
- Axis Bank Vistara Signature Credit Card — 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…
- Axis Bank Vistara 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, 6300…
- RBL Bank novio — your insurance premium earns nothing on this card — No Reward Points · MCC 6300 and 6310
- RBL vCard — your insurance premium earns nothing on this card — No Reward Points · MCC 6300 and 5960
5 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
THE REFERENCE SPEND IS THE ARGUMENT, so it is stated first. ₹1,20,000 a year is an urban household's insurance year — a family floater, a term plan, a motor policy and an endowment instalment — and it is priced as ONE payment because that is how insurers bill. A monthly basket would hide the whole finding: at ₹10,000 a month not one ceiling in our fine-print desk binds, and every capped card would print its headline rate. Pay in quarterly or monthly instalments and your number is higher than this board's; that is the one lever a reader controls here, and it is worth more than the card choice on 22 of these rows. THEN THE RATE: first-tier earn × the card's published insurance treatment × its currency's house ₹/point — the same expression /spends, /spends/insurance and /wallet crown on — raised only where the card's own earn table publishes an insurance rung AND the desk's `insurance` rule in data/mcc.yaml states the same number; 10 rows clear that bar and 4 of them are locked to one insurer or one app, which the row names. THEN THE CEILING, applied and never rounded away: an insurance ceiling ends the earn rather than reducing it — past HDFC's monthly reward-point bucket or ICICI's "first ₹40,000 of insurance spend a statement cycle" the category pays nothing — so the ₹ is the rate against the covered slice and every row prints where the slice stops. A CEILING WE CANNOT SPEND IS NOT NO CEILING: 7 cards state a cap this desk may put no rupee against — either in units nothing here turns into rupees ("5,000 RP/month" with no rate written beside it), or in one bucket shared with other categories that the issuer never split, where the whole ₹ would be spent in insurance's name alone — and pricing either as unbounded would hand the crown to a ₹ nobody can collect, so they are named below the table instead. 3 accelerated rungs are refused on the same rule and held at the card's ordinary insurance rate. WHAT IS NOT IN THE NUMBER: the convenience fee an insurer's own payment page may charge, which is the insurer's charge and not the card's, and any dated cashback promotion — /tracker/offers carries those with their end dates. 257 priced cards carry an insurance rule on the fine-print desk; 388 priced cards have no insurance rule here yet and appear on no part of this page.
How many cards are in this insurance ranking?
100 of the 973 Indian personal cards on the desk are ranked here. 157 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 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 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 /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records this ranks and the insurance rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board 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.
Which credit cards for paying insurance premiums in India have no annual fee?
17 of the 100 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.
Is HDFC Diners Club Black Metal better than LIC IDFC FIRST Select?
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: 23 boards, 23 questions.
How insurance got here
3 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
Not published
858 cards on the desk have no rule we could read for insurance. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 858
HDFC Biz Black MetalDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardKrisFlyer SBI Card APEXStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeHSBC PrivéHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardAU CA MetalAU CSEquitas Selfe Credit CardNiyo Global SBM Credit CardRBL iGlobeEazyDiner IndusInd SignatureTata Neu Plus HDFC BankRBL Insignia Preferred Banking World CardShoppers Stop Black HDFC BankPaytm HDFC Bank SelectMakeMyTrip ICICI Bank PlatinumKotak WhitePhonePe HDFC Bank UnoKotak NRI Royale SignatureIRCTC SBI Platinum CardFederal Bank ImperioIRCTC HDFC Bank Credit CardUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumFederal Bank SignetLIC Axis Bank SignatureSamsung Axis Bank SignatureSimplyCLICK SBI CardAU Bank Traverse Credit Card (NRI)RBL LumièreHDFC Bank PIXEL PlayHDFC Bank FreedomIDFC FIRST SWYPLandmark Rewards SBI Card PRIMECRED IndusInd Bank RuPay Credit CardDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumPaytm HDFC Bank DigitalPaytm HDFC Bank MobilePaytm HDFC Bank BusinessPaytm HDFC Bank Select BusinessFlipkart Wholesale HDFC BankPaytm HDFC BankAxis Bank FreechargeAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumBPCL SBI CardHDFC Bank BizGrowGoogle Pay Flex Axis BankIndianOil Kotak Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardKotak811 Super Money CardSimplySAVE SBI CardHDFC Bank MoneyBack+Landmark Rewards SBI Card SELECTLandmark Rewards SBI CardReliance SBI CardICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd PlatinumIndusInd Platinum RuPayKotak811 Dream DifferentICICI Bank NRI CoralICICI Bank NRI SapphiroKrishak Unnati SBI CardSwiggy Ornge HDFC Bank Credit CardSwiggy BLCK HDFC Bank Credit CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredSwiggy HDFC Bank Credit CardHDFC Bank UPI RuPay Mega SaverHDFC Bank Biz FirstHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Altura Credit CardAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered SmartStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB PayLess Select Credit CardDCB novio Credit Card (RuPay Select)DCB PayLess Platinum Credit CardDCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM MobiKwik First Credit CardPaisabazaar Paisa Plus Credit CardSBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI 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CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)IB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnPNB LUXURA Metal (RuPay)PNB LUXURA Metal (Visa Infinite)PNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectApollo SBI CardShaurya SBI CardDoctor's SBI CardShaurya Select SBI CardSBI Card UnnatiDelhi Metro SBI CardCentral SBI Select CardIndian Overseas Bank RuPay SelectIndian Overseas Bank RuPay PlatinumIndian Overseas Bank RuPay ClassicRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteHDFC Harley-Davidson Diners ClubMakeMyTrip ICICI Bank SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumClub Vistara SBI CardAir India SBI Platinum CardIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAAxis Bank SignatureManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardIOB Gold Credit CardIOB Classic Credit CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicMyntra KotakKotak Best Price BusinessHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.