ICICI BankVisa
Emeralde Private Metal
Net savings₹11,931/yr
Savings rate2.9%
Annual feeYou pay ₹14,749
Lounge✈∞ dom🌏∞ intl
✓ Utilities, insurance, grocery, education (1,000 RP/mo cap each, shared here) earns you…
Best for · Bills · updated 2026-09-19
Best credit cards for insurance premiums
Every card scored in rupees for this use, not a hand-picked list. Numbers assume the profile stated below – set up yours to re-rank for your spend.
Best credit card for insurance premiums (Sept 2026): ICICI Bank Emeralde Private Metal – about 2.5% back on ₹10,000/month of insurance premiums, ₹11,931 net a year after fee. Runners-up: Millennia and FIRST Power+. Ranked for ₹10,000 a month (₹1.2L a year) of life, health and motor premiums.
Standard profile
Scored for Insurance premiums profile · ₹41k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 for insurance premiums
IDFC FIRST Bank× HPCLRuPay · UPI
FIRST Power+
Net savings₹8,673/yr
Savings rate1.8%
Annual feeWaived ₹589
Lounge✈4 dom
✓ 5% value on grocery, utilities, FASTag earns you about ₹3,660 a year on ₹73,200 of spend.
All 32 cards ranked for insurance premiums
| # | Card | Score | Net savings / yr | On insurance premiums / yr | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | Emeralde Private MetalICICI Bank | 92/100 | ₹11,931 2.9% rate | ₹3,060 2.5% back | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 2 | MillenniaHDFC Bank | 78/100 | ₹7,752 1.9% rate | ₹1,200 1.0% back | Waived | 8 domestic/yr |
| 3 | FIRST Power+IDFC FIRST Bank × HPCL | 73/100 | ₹8,673 1.8% rate | ₹900 0.8% back | Waived | 4 domestic/yr |
| 4 |  Infinia MetalHDFC Bank | 69/100 | ₹6,966 1.7% rate | ₹3,396 2.8% back | You pay ₹14,750 | unlimited domestic + unlimited international/yr |
| 5 |  Tata Neu Infinity HDFC BankHDFC Bank | 68/100 | ₹7,164 1.5% rate | ₹1,800 1.5% back | Waived | 8 domestic + 4 international/yr |
| 6 |  RegaliaHDFC Bank | 64/100 | ₹5,403 1.3% rate | ₹1,596 1.3% back | Waived | 12 domestic + 6 international/yr |
| 7 |  Diners Club PrivilegeHDFC Bank | 64/100 | ₹5,403 1.3% rate | ₹1,596 1.3% back | Waived | 8 domestic/yr |
| 8 |  Regalia GoldHDFC Bank | 63/100 | ₹5,403 1.3% rate | ₹1,596 1.3% back | Waived | 12 domestic + 6 international/yr |
| 9 |  HPCL Super Saver ICICI BankICICI Bank | 61/100 | ₹4,785 1.2% rate | ₹600 0.5% back | Waived | 4 domestic/yr |
| 10 |  Tata Neu Plus HDFC BankHDFC Bank | 59/100 | ₹4,896 1.0% rate | ₹1,200 1.0% back | Waived | 4 domestic/yr |
| 11 |  Regalia FirstHDFC Bank | 55/100 | ₹3,394 0.8% rate | ₹960 0.8% back | Waived | 8 domestic/yr |
| 12 |  FIRST WealthIDFC FIRST Bank | 55/100 | ₹3,390 0.8% rate | ₹204 0.2% back | Free for life | 8 domestic + 8 international/yr |
| 13 |  FIRST SelectIDFC FIRST Bank | 55/100 | ₹3,390 0.8% rate | ₹204 0.2% back | Free for life | 8 domestic/yr |
| 14 |  UltimateStandard Chartered | 54/100 | ₹3,524 0.8% rate | ₹1,200 1.0% back | You pay ₹5,900 | unlimited domestic/yr |
| 15 |  PNB RuPay SelectPunjab National Bank | 53/100 | ₹3,399 0.7% rate | ₹804 0.7% back | Waived | 8 domestic/yr |
| 16 |  Times PlatinumHDFC Bank | 52/100 | ₹2,866 0.7% rate | ₹720 0.6% back | Waived | 4 domestic/yr |
| 17 |  Amazon Pay ICICI BankICICI Bank | 51/100 | ₹4,452 1.1% rate | ₹1,200 1.0% back | Free for life | No lounge access |
| 18 |  RubyxICICI Bank | 49/100 | ₹2,256 0.5% rate | ₹600 0.5% back | Waived | 8 domestic/yr |
| 19 |  CoralICICI Bank | 49/100 | ₹1,881 0.5% rate | ₹300 0.3% back | Waived | 4 domestic/yr |
| 20 |  IndianOil HDFC BankHDFC Bank | 48/100 | ₹5,198 1.3% rate | ₹768 0.6% back | Waived | No lounge access |
| 21 |  AshvaIDFC FIRST Bank | 42/100 | ₹1,138 0.3% rate | ₹996 0.8% back | You pay ₹3,539 | 8 domestic + 8 international/yr |
| 22 |  FIRST ClassicIDFC FIRST Bank | 41/100 | ₹3,390 0.8% rate | ₹204 0.2% back | Free for life | No lounge access |
| 23 |  FIRST WOWIDFC FIRST Bank | 38/100 | ₹2,901 0.7% rate | ₹804 0.7% back | Free for life | No lounge access |
| 24 |  Diners Club Black MetalHDFC Bank | 37/100 | −₹1,315 -0.3% rate | ₹3,204 2.7% back | You pay ₹11,800 | unlimited domestic + unlimited international/yr |
| 25 |  Zenith+AU Small Finance Bank | 36/100 | −₹727 -0.2% rate | ₹600 0.5% back | You pay ₹5,899 | unlimited domestic + 4 international/yr |
Showing the top 25 of 32. Browse every card →
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Profile: for ₹10,000 a month (₹1.2L a year) of life, health and motor premiums. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Related
Frequently asked questions
Which credit card is best for insurance premiums in India in Sept 2026?
ICICI Bank Emeralde Private Metal ranks first for insurance premiums on CardLens: about 2.5% back on ₹10,000/month of insurance premiums, ₹11,931 net a year after fee. HDFC Bank Millennia is second. The ranking is for a stated spend profile and changes with yours.
How does CardLens rank cards for insurance premiums?
We take the standard Indian cardholder profile, change it to reflect this use (for ₹10,000 a month (₹1.2L a year) of life, health and motor premiums), and score every card with the same open engine used everywhere on the site: rewards at realistic point value + milestones + waivers − renewal fee incl. 18% GST − forex markup, then a 0–100 score that also counts usable lounge access, redemption flexibility, lifestyle fit, simplicity and fee safety. Nothing is hand-picked and no issuer pays for placement.
Will my own answer be different?
Probably. Caps, fee-waiver thresholds and milestones all depend on how much you spend and where. Set up your profile in Find My Card and every page on CardLens re-scores for you.