ICICI Bank Sapphiro Credit Card on Insurance premiums
Yes, but only its standard rate: the ICICI Bank Sapphiro Credit Card gives 0.25% back on Insurance premiums, the same as most other spends.
On Insurance premiums
0.25%
Other spends
0.5%
Rank for Insurance premiums
#67 of 149
Annual fee
₹3,500 + Taxes
What to know before you pay on Insurance premiums
How it works
No merchant accelerators. BookMyShow buy-one-get-one up to ₹500 twice a month is an offer, not a rate.
Caps & rules
- 2 Reward Points per ₹100 on domestic spends, 4 per ₹100 international, 1 per ₹100 on utilities and insurance.
- Milestones: 4,000 points at ₹4 Lakh plus 2,000 per extra ₹1 Lakh (max 20,000 a year).
- Valued at ₹0.25 per point.
Reward limits
- 2 points per ₹100 domestic, 4 international; 1 on utilities and insurance: No published limit
- Milestone bonus points: max 20,000 points per anniversary year
No rewards on
Fuel, rent, government, EMI, cash advances; utilities and insurance earn at a reduced rate
Checked 2026-09-28 · Bank terms
Cards that earn more on Insurance premiums
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹500 a month
10%
Apply now -
#2
HDFC Infinia Credit Card Metal Edition
HDFC Bank · ₹12,500 + Taxes
3.33%
Apply now -
#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes
3.33%
Apply now
Where else the ICICI Bank Sapphiro Credit Card earns more
Questions
Does the ICICI Bank Sapphiro Credit Card give rewards on Insurance premiums?
Yes, but only its standard rate: the ICICI Bank Sapphiro Credit Card gives 0.25% back on Insurance premiums, the same as most other spends.
Is there a limit on ICICI Bank Sapphiro Credit Card rewards?
2 Reward Points per ₹100 on domestic spends, 4 per ₹100 international, 1 per ₹100 on utilities and insurance. Milestones: 4,000 points at ₹4 Lakh plus 2,000 per extra ₹1 Lakh (max 20,000 a year). Valued at ₹0.25 per point.
Which credit card is best for Insurance premiums?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Insurance premiums, with 10% back. The ICICI Bank Sapphiro Credit Card ranks #67 of 149 cards we compared, by what each returns after caps.