I was about to pay my Star Health Insurance premium of ₹20,000 and wanted to know which credit card gives the best value, whether through cashback, points, or milestone benefits. Which one should I go with?
Paying a big-ticket premium like ₹20k is a good chance to earn some extra benefits if you use the right credit card. Based on my own attempt and what my friends and colleagues have tried, here are the best cards for the job.
HDFC Regalia Gold Credit Card for Star Health Insurance
I used my HDFC Regalia Gold for the payment. The spend earned me a decent chunk of reward points, which I later converted into travel vouchers. On a ₹20,000 premium, the value of the points felt like a neat discount.
Axis Magnus Credit Card for Star Health Insurance
A colleague used Axis Magnus for the same premium. Since Magnus gives accelerated points on high spends, he not only got rewards but also hit his milestone target faster. That made the insurance payment feel like part of his monthly reward strategy.
Amazon Pay ICICI Credit Card for Star Health Insurance
One of my friends went with the Amazon Pay ICICI card. The 1% flat cashback gave him ₹200 back instantly on the ₹20,000 premium. No conditions, no waiting just simple and reliable value.
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