Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly LIC, Health & Term Insurance Premiums Spend
Top-rated credit cards for ₹75,000/mo spent on LIC, Health & Term Insurance Premiums. #1 HDFC Diners Club Black Metal Edition yields ₹40,146 net annual value (4.46% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold4.46% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹40,146
🥉 Rank #3 Bronze2.23% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹20,056
Full 10-Card Ranked Standings (@ ₹75,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹40,146 | Waived (₹0) | +₹40,146 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹40,146 | ₹14,750 | +₹25,396 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹20,056 | Waived (₹0) | +₹20,056 | Apply → |
| #4 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹18,455 | Waived (₹0) | +₹18,455 | Apply → |
| #5 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹17,980 | Waived (₹0) | +₹17,980 | Apply → |
| #6 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹16,844 | Waived (₹0) | +₹16,844 | Apply → |
| #7 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹14,068 | Waived (₹0) | +₹14,068 | Apply → |
| #8 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹13,945 | Waived (₹0) | +₹13,945 | Apply → |
| #9 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹13,156 | Waived (₹0) | +₹13,156 | Apply → |
| #10 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹11,747 | Waived (₹0) | +₹11,747 | Apply → |
| #11 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹10,989 | Waived (₹0) | +₹10,989 | Apply → |
| #12 | YES BANK Marquee Credit CardYES BANK | 1% | ₹16,513 | ₹5,899 | +₹10,614 | Apply → |
| #13 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹10,288 | Waived (₹0) | +₹10,288 | Apply → |
| #14 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹9,649 | Waived (₹0) | +₹9,649 | Apply → |
| #15 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹9,019 | Waived (₹0) | +₹9,019 | Apply → |
| #16 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0.7% | ₹7,645 | Waived (₹0) | +₹7,645 | Apply → |
| #17 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹12,429 | ₹5,900 | +₹6,529 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹6,489 | Waived (₹0) | +₹6,489 | Apply → |
| #19 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹5,774 | Waived (₹0) | +₹5,774 | Apply → |
| #20 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.5% | ₹5,343 | Waived (₹0) | +₹5,343 | Apply → |
| #21 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹5,192 | Waived (₹0) | +₹5,192 | Apply → |
| #22 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹5,106 | Waived (₹0) | +₹5,106 | Apply → |
| #23 | BPCL SBI Card OCTANESBI Card | 0% Excluded | ₹4,851 | Waived (₹0) | +₹4,851 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0% Excluded | ₹4,547 | Waived (₹0) | +₹4,547 | Apply → |
| #25 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹4,509 | Waived (₹0) | +₹4,509 | Apply → |
| #26 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹3,971 | Waived (₹0) | +₹3,971 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹3,369 | Waived (₹0) | +₹3,369 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.25% | ₹3,017 | Waived (₹0) | +₹3,017 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.25% | ₹2,942 | Waived (₹0) | +₹2,942 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹9,277 | ₹14,750 | +-₹5,473 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on LIC, Health & Term Insurance Premiums?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹40,146 gross rewards and ₹40,146 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 Infinia Metal Edition delivering ₹25,396 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹14,750/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 Diners Club Black Metal Edition at ₹900,000 annual spend, the fee is waived (₹0 effective fee).