1.5 lac health insurance bill payment

[vchouksey80]

Dear community,

I am purchasing health insurance and expecting 1.5(78k and 71k) lacs of payment, can you suggest which card to consider? Also they will add 1% charges if paid via CC,

I have below cards-
Amex MRCC
Tata Infinity Rupay
Yes Kiwi Rupay
Axis Airtel MasterCard
Axis Flipkart Visa
Axis Supermoney Rupay
SBI simplyClick Visa
ICICI Coral Rupay
HDFC MoneyBack

Below DC -
Kotak Super 811
SBI
ICICI
HDFC millennia
IDFC Wealth DC

 

[da3m0n]

Card Name	Network	Rewards on Insurance Payment	Capping Details & Notes
Amex MRCC	Amex	No rewards	Insurance payments are excluded from earning MR points.
HDFC Tata Neu Infinity	RuPay	1.5% NeuCoins	Cap: 2,000 NeuCoins per day & per month for insurance spends (effective July 1, 2025).
Yes Kiwi	RuPay	No rewards	Insurance payments excluded from rewards.
Axis Airtel	MasterCard	No notable rewards	No specific insurance rewards; not recommended for insurance spends.
Axis Flipkart	Visa	No cashback	Insurance payments explicitly excluded from cashback.
Axis Supermoney	RuPay	1% cashback	₹500 cashback cap per statement cycle (across all spends).
SBI SimplyClick	Visa	1 RP/₹100	Only base rewards apply; no insurance-specific benefits.
ICICI Coral	RuPay	1 RP/₹100	Rewards on utility & insurance spends capped at ₹40,000/month for entry/mid-range cards.
HDFC MoneyBack	Visa	2 RP/₹150	Cap: 2,000 RP per insurance transaction (≈₹400 cashback per txn).
Kotak 811 (Credit)	-	5% cashback	₹500/month cap. No explicit exclusions; should work via POS/ECOM based on merchant coding.
SBI (Generic Cards)	-	1 RP/₹200 (FreedomRewardz)	No explicit exclusion; base rewards apply.
ICICI (Generic Cards)	-	1 RP/₹200	No explicit exclusion; base rewards apply.
HDFC Millennia	-	No rewards	Cashback not applicable on insurance spends.
IDFC Wealth	-	No rewards	No public rewards for insurance spends.

 

[InfamousInfamous is verified member.]

Card Name	Network	Rewards on Insurance Payment	Capping Details & Notes
Amex MRCC	Amex	No rewards	Insurance payments are excluded from earning MR points.
HDFC Tata Neu Infinity	RuPay	1.5% NeuCoins	Cap: 2,000 NeuCoins per day & per month for insurance spends (effective July 1, 2025).
Yes Kiwi	RuPay	No rewards	Insurance payments excluded from rewards.
Axis Airtel	MasterCard	No notable rewards	No specific insurance rewards; not recommended for insurance spends.
Axis Flipkart	Visa	No cashback	Insurance payments explicitly excluded from cashback.
Axis Supermoney	RuPay	1% cashback	₹500 cashback cap per statement cycle (across all spends).
SBI SimplyClick	Visa	1 RP/₹100	Only base rewards apply; no insurance-specific benefits.
ICICI Coral	RuPay	1 RP/₹100	Rewards on utility & insurance spends capped at ₹40,000/month for entry/mid-range cards.
HDFC MoneyBack	Visa	2 RP/₹150	Cap: 2,000 RP per insurance transaction (≈₹400 cashback per txn).
Kotak 811 (Credit)	-	5% cashback	₹500/month cap. No explicit exclusions; should work via POS/ECOM based on merchant coding.
SBI (Generic Cards)	-	1 RP/₹200 (FreedomRewardz)	No explicit exclusion; base rewards apply.
ICICI (Generic Cards)	-	1 RP/₹200	No explicit exclusion; base rewards apply.
HDFC Millennia	-	No rewards	Cashback not applicable on insurance spends.
IDFC Wealth	-	No rewards	No public rewards for insurance spends.

IDFC offers 1X reward points per 150 spend on insurance, please correct.

 

[vchouksey80]

Th

Card Name	Network	Rewards on Insurance Payment	Capping Details & Notes
Amex MRCC	Amex	No rewards	Insurance payments are excluded from earning MR points.
HDFC Tata Neu Infinity	RuPay	1.5% NeuCoins	Cap: 2,000 NeuCoins per day & per month for insurance spends (effective July 1, 2025).
Yes Kiwi	RuPay	No rewards	Insurance payments excluded from rewards.
Axis Airtel	MasterCard	No notable rewards	No specific insurance rewards; not recommended for insurance spends.
Axis Flipkart	Visa	No cashback	Insurance payments explicitly excluded from cashback.
Axis Supermoney	RuPay	1% cashback	₹500 cashback cap per statement cycle (across all spends).
SBI SimplyClick	Visa	1 RP/₹100	Only base rewards apply; no insurance-specific benefits.
ICICI Coral	RuPay	1 RP/₹100	Rewards on utility & insurance spends capped at ₹40,000/month for entry/mid-range cards.
HDFC MoneyBack	Visa	2 RP/₹150	Cap: 2,000 RP per insurance transaction (≈₹400 cashback per txn).
Kotak 811 (Credit)	-	5% cashback	₹500/month cap. No explicit exclusions; should work via POS/ECOM based on merchant coding.
SBI (Generic Cards)	-	1 RP/₹200 (FreedomRewardz)	No explicit exclusion; base rewards apply.
ICICI (Generic Cards)	-	1 RP/₹200	No explicit exclusion; base rewards apply.
HDFC Millennia	-	No rewards	Cashback not applicable on insurance spends.
IDFC Wealth	-	No rewards	No public rewards for insurance spends.

Thanks brother for sharing, I checked supermoney don't give CB on insurance

https://www.axisbank.com/docs/defau...ds/axis-bank-supermoney-rupay-credit-card.pdf

I have used Tata Infinity scan and pay option as that option wasn't charged additional, still I have 72k left for payment.

 

[vchouksey80]

@Abhishek012 and @6ix9ine - brothers any suggestions you have on this?

 

[APT]

Th

Thanks brother for sharing, I checked supermoney don't give CB on insurance

https://www.axisbank.com/docs/defau...ds/axis-bank-supermoney-rupay-credit-card.pdf

I have used Tata Infinity scan and pay option as that option wasn't charged additional, still I have 72k left for payment.

how to use that option?

 

[vchouksey80]

how to use that option?

They generated QR code from UPI and I scanned it from Tata Neu app

 

[APT]

They generated QR code from UPI and I scanned it from Tata Neu app

how you generated QR Code?

 

[vchouksey80]

IDFC offers 1X reward points per 150 spend on insurance, please correct.

Any idea if wealth DC or Firsttap gives accelerated rewards??

 

[InfamousInfamous is verified member.]

Any idea if wealth DC or Firsttap gives accelerated rewards??

No, DC has insurance MCC excluded