IDFC FIRST Millennia Credit Card on Insurance premiums
Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on Insurance premiums, the same as most other spends.
On Insurance premiums
0.12%
Other spends
0.38%
Rank for Insurance premiums
#89 of 149
Annual fee
Free
What to know before you pay on Insurance premiums
How it works
Swiggy/Zomato get 10X only if coded as dining; travel sites and airlines count as travel.
Caps & rules
- 1 point per ₹200 = 1X, 1 point = ₹0.25.
- 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
- Lifetime free.
- Points valid 24 months.
Reward limits
- 10X points on dining, travel, international and birthday spends; 3X elsewhere: Points only on spends up to your credit limit per billing cycle
- 1X points on utilities, insurance, railways and FASTag: No limit
No rewards on
Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.
Checked 2026-10-03 · 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 IDFC FIRST Millennia Credit Card earns more
Questions
Does the IDFC FIRST Millennia Credit Card give rewards on Insurance premiums?
Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on Insurance premiums, the same as most other spends.
Is there a limit on IDFC FIRST Millennia Credit Card rewards?
1 point per ₹200 = 1X, 1 point = ₹0.25. 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%). Lifetime free. Points valid 24 months.
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 IDFC FIRST Millennia Credit Card ranks #89 of 149 cards we compared, by what each returns after caps.