IDFC FIRST WOW! Credit Card on Insurance premiums
Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on Insurance premiums, the same as most other spends.
On Insurance premiums
0.12%
Other spends
0.5%
Rank for Insurance premiums
#88 of 149
Annual fee
Free
What to know before you pay on Insurance premiums
How it works
Flat 0.5% almost everywhere; bills and railway 0.125%.
Caps & rules
- 4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway.
- 1 point = ₹0.25.
- FD-backed, lifetime free, zero forex.
Reward limits
- 4 points per ₹200 on online, offline and international spends: Points only on spends up to your credit limit per billing cycle
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 WOW! Credit Card earns more
Questions
Does the IDFC FIRST WOW! Credit Card give rewards on Insurance premiums?
Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on Insurance premiums, the same as most other spends.
Is there a limit on IDFC FIRST WOW! Credit Card rewards?
4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway. 1 point = ₹0.25. FD-backed, lifetime free, zero forex.
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! Credit Card ranks #88 of 149 cards we compared, by what each returns after caps.