Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly LIC, Health & Term Insurance Premiums Spend
Top-rated credit cards for ₹100,000/mo spent on LIC, Health & Term Insurance Premiums. #1 HDFC Infinia Metal Edition yields ₹53,528 net annual value (4.46% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver4.46% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹53,528
🥉 Rank #3 Bronze2.23% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹26,741
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹53,528 | Waived (₹0) | +₹53,528 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹53,528 | Waived (₹0) | +₹53,528 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹26,741 | Waived (₹0) | +₹26,741 | Apply → |
| #4 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹24,606 | Waived (₹0) | +₹24,606 | Apply → |
| #5 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹23,973 | Waived (₹0) | +₹23,973 | Apply → |
| #6 | YES BANK Marquee Credit CardYES BANK | 1% | ₹22,017 | Waived (₹0) | +₹22,017 | Apply → |
| #7 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹20,564 | Waived (₹0) | +₹20,564 | Apply → |
| #8 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹18,758 | Waived (₹0) | +₹18,758 | Apply → |
| #9 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹18,594 | Waived (₹0) | +₹18,594 | Apply → |
| #10 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹16,478 | Waived (₹0) | +₹16,478 | Apply → |
| #11 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹15,663 | Waived (₹0) | +₹15,663 | Apply → |
| #12 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹14,653 | Waived (₹0) | +₹14,653 | Apply → |
| #13 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹13,718 | Waived (₹0) | +₹13,718 | Apply → |
| #14 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹12,865 | Waived (₹0) | +₹12,865 | Apply → |
| #15 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹12,025 | Waived (₹0) | +₹12,025 | Apply → |
| #16 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹16,573 | ₹5,900 | +₹10,673 | Apply → |
| #17 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0.7% | ₹10,194 | Waived (₹0) | +₹10,194 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹8,653 | Waived (₹0) | +₹8,653 | Apply → |
| #19 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹7,699 | Waived (₹0) | +₹7,699 | Apply → |
| #20 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.5% | ₹7,124 | Waived (₹0) | +₹7,124 | Apply → |
| #21 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹6,922 | Waived (₹0) | +₹6,922 | Apply → |
| #22 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹6,808 | Waived (₹0) | +₹6,808 | Apply → |
| #23 | BPCL SBI Card OCTANESBI Card | 0% Excluded | ₹6,467 | Waived (₹0) | +₹6,467 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0% Excluded | ₹6,063 | Waived (₹0) | +₹6,063 | Apply → |
| #25 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹6,013 | Waived (₹0) | +₹6,013 | Apply → |
| #26 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹5,295 | Waived (₹0) | +₹5,295 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹4,492 | Waived (₹0) | +₹4,492 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.25% | ₹4,023 | Waived (₹0) | +₹4,023 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.25% | ₹3,922 | Waived (₹0) | +₹3,922 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹12,369 | ₹14,750 | +-₹2,381 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on LIC, Health & Term Insurance Premiums?▼
HDFC Infinia Metal Edition ranks #1, generating ₹53,528 gross rewards and ₹53,528 in net annual value (4.46% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Diners Club Black Metal Edition delivering ₹53,528 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for LIC, Health & Term Insurance Premiums?▼
Avoid Myntra Kotak Credit Card, Swiggy HDFC Bank Credit Card, Airtel Axis Bank Credit Card, as they provide 0.0% rewards on LIC, Health & Term Insurance Premiums due to bank category exclusions.
Will the annual fee of the winning card be waived?▼
For HDFC Infinia Metal Edition at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).