IDFC FIRST WOW! Black Credit Card on Insurance premiums
Yes, but only its standard rate: the IDFC FIRST WOW! Black Credit Card gives 0.33% back on Insurance premiums, the same as most other spends.
On Insurance premiums
0.33%
Other spends
1.33%
Rank for Insurance premiums
#64 of 149
Annual fee
1st Year Fee: ₹750* Plus Applicable Taxes
What to know before you pay on Insurance premiums
How it works
4 points per ₹150 on online, offline and international spends, worth 1.33% when points go to flights or hotels in the IDFC FIRST app (₹0.50 each), or 0.67% elsewhere (₹0.25). UPI under ₹2,000 earns 1 point per ₹150.
Caps & rules
- 4 reward points per ₹150 online, offline and international; 3 per ₹150 on UPI above ₹2,000, 1 per ₹150 below.
- 1 point = ₹0.50 on flights and hotels in the IDFC FIRST app ('FIRST Rewards Gallery'), ₹0.25 elsewhere.
- Extra 16.7% bonus points on hotels and 10% on flights booked in the app.
- Zero forex markup.
No rewards on
Fuel, EMI, ATM cash withdrawals
Checked 2026-10-11 · 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%
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#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes
3.33%
Apply now
Where else the IDFC FIRST WOW! Black Credit Card earns more
Questions
Does the IDFC FIRST WOW! Black Credit Card give rewards on Insurance premiums?
Yes, but only its standard rate: the IDFC FIRST WOW! Black Credit Card gives 0.33% back on Insurance premiums, the same as most other spends.
Is there a limit on IDFC FIRST WOW! Black Credit Card rewards?
4 reward points per ₹150 online, offline and international; 3 per ₹150 on UPI above ₹2,000, 1 per ₹150 below. 1 point = ₹0.50 on flights and hotels in the IDFC FIRST app ('FIRST Rewards Gallery'), ₹0.25 elsewhere. Extra 16.7% bonus points on hotels and 10% on flights booked in the app. Zero forex markup.
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 WOW! Black Credit Card ranks #64 of 149 cards we compared, by what each returns after caps.