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1.5 lac health insurance bill payment

vchouksey80

TF Premier
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
 
Card NameNetworkRewards on Insurance PaymentCapping Details & Notes
Amex MRCCAmexNo rewardsInsurance payments are excluded from earning MR points.
HDFC Tata Neu InfinityRuPay1.5% NeuCoinsCap: 2,000 NeuCoins per day & per month for insurance spends (effective July 1, 2025).
Yes KiwiRuPayNo rewardsInsurance payments excluded from rewards.
Axis AirtelMasterCardNo notable rewardsNo specific insurance rewards; not recommended for insurance spends.
Axis FlipkartVisaNo cashbackInsurance payments explicitly excluded from cashback.
Axis SupermoneyRuPay1% cashback₹500 cashback cap per statement cycle (across all spends).
SBI SimplyClickVisa1 RP/₹100Only base rewards apply; no insurance-specific benefits.
ICICI CoralRuPay1 RP/₹100Rewards on utility & insurance spends capped at ₹40,000/month for entry/mid-range cards.
HDFC MoneyBackVisa2 RP/₹150Cap: 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/₹200No explicit exclusion; base rewards apply.
HDFC Millennia-No rewardsCashback not applicable on insurance spends.
IDFC Wealth-No rewardsNo public rewards for insurance spends.
 
Card NameNetworkRewards on Insurance PaymentCapping Details & Notes
Amex MRCCAmexNo rewardsInsurance payments are excluded from earning MR points.
HDFC Tata Neu InfinityRuPay1.5% NeuCoinsCap: 2,000 NeuCoins per day & per month for insurance spends (effective July 1, 2025).
Yes KiwiRuPayNo rewardsInsurance payments excluded from rewards.
Axis AirtelMasterCardNo notable rewardsNo specific insurance rewards; not recommended for insurance spends.
Axis FlipkartVisaNo cashbackInsurance payments explicitly excluded from cashback.
Axis SupermoneyRuPay1% cashback₹500 cashback cap per statement cycle (across all spends).
SBI SimplyClickVisa1 RP/₹100Only base rewards apply; no insurance-specific benefits.
ICICI CoralRuPay1 RP/₹100Rewards on utility & insurance spends capped at ₹40,000/month for entry/mid-range cards.
HDFC MoneyBackVisa2 RP/₹150Cap: 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/₹200No explicit exclusion; base rewards apply.
HDFC Millennia-No rewardsCashback not applicable on insurance spends.
IDFC Wealth-No rewardsNo public rewards for insurance spends.
IDFC offers 1X reward points per 150 spend on insurance, please correct.
 
Th
Card NameNetworkRewards on Insurance PaymentCapping Details & Notes
Amex MRCCAmexNo rewardsInsurance payments are excluded from earning MR points.
HDFC Tata Neu InfinityRuPay1.5% NeuCoinsCap: 2,000 NeuCoins per day & per month for insurance spends (effective July 1, 2025).
Yes KiwiRuPayNo rewardsInsurance payments excluded from rewards.
Axis AirtelMasterCardNo notable rewardsNo specific insurance rewards; not recommended for insurance spends.
Axis FlipkartVisaNo cashbackInsurance payments explicitly excluded from cashback.
Axis SupermoneyRuPay1% cashback₹500 cashback cap per statement cycle (across all spends).
SBI SimplyClickVisa1 RP/₹100Only base rewards apply; no insurance-specific benefits.
ICICI CoralRuPay1 RP/₹100Rewards on utility & insurance spends capped at ₹40,000/month for entry/mid-range cards.
HDFC MoneyBackVisa2 RP/₹150Cap: 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/₹200No explicit exclusion; base rewards apply.
HDFC Millennia-No rewardsCashback not applicable on insurance spends.
IDFC Wealth-No rewardsNo 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.
 
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