Best Insurance Benefits Credit Cards in 2025
BoB Nainital Bank RENAISSANCE Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹250 + Tax
Best
Suited For
Welcome Benefits
500 bonus reward points on making Rs. 5,000 card spends within 60 days of card issuance.
- Joining Benefit: 500 bonus reward points on Rs. 5,000 spend within 60 days
- Rewards: 5X points on departmental stores/movies; 1 point per Rs. 100 on other spends
- Annual Fee Reversal: Waived on Rs. 25,000 annual spend
- Insurance Cover: Air accidental death Rs. 15 lakh; Non-air Rs. 5 lakh
- Fuel Benefit: 1% surcharge waiver on fuel (up to Rs. 250/month)
Bank of Baroda Vikram Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Welcome Benefits
3 months subscription of Disney+ Hotstar
- Lifetime free card with no joining or annual fees
- 5 reward points per Rs. 100 on groceries, departmental stores, and movies (capped at 1,000/month)
- 1 reward point per Rs. 100 on all other spends
- Welcome Benefit: 3-month Disney+ Hotstar Super Plan subscription
- Accidental death insurance up to Rs. 20 lakh (Air/Non-Air)
- Fuel surcharge waiver: 1% on Rs. 400–5,000 (max Rs. 250/month)
- Smart EMI option for purchases of Rs. 2,500+ (6–36 months)
SBI Platinum Corporate Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Welcome Benefits
- Advanced spend management with Visa IntelliLink / SmartData Gen2 for detailed expense tracking
- Web-based interface with customized reports, e-statements, and compliance monitoring
- Multilayer spend control with category and limit restrictions
- Fraud and travel insurance coverage including air accidental death and lost card liability
- Emergency card replacement worldwide within 72 hours, free of delivery charges
- 24x7 dedicated customer support with emergency cash disbursement
SBI Signature Corporate Card
Joining Fee
₹0 + Tax
Renewal Fee
₹499 + Tax
Best
Suited For
Welcome Benefits
- Enjoy priority services with the Signature credit card.
- Get a free Priority Pass membership with the card.
- Employees receive travel insurance coverage up to Rs. 1 crore.
- Concierge services are available with the credit card.
- Complimentary insurance protects against employee fraud.
- The card offers multilayer spend control and detailed spend analysis.
SBI Shaurya Select Card
Joining Fee
₹0 + Tax
Renewal Fee
₹1499 + Tax
Best
Suited For
Welcome Benefits
- 10X reward points on every ₹100 spent on departmental stores, dining, groceries, and movies.
- Extra reward points based on spending.
- Complimentary ₹10 lakh Personal Accident Cover.
- 1% fuel surcharge waiver.
- 24x7 concierge services.
Bank of Baroda Empower Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹500 + Tax
Best
Suited For
Welcome Benefits
500 reward points on spending Rs. 5,000 within 60 days of card issuance.
- No joining fee
- 1 reward point for every Rs. 100 spent
- Reward points redeemable for cashback
- Accidental death cover up to Rs. 15 lakh
- 1% fuel surcharge waiver on fuel spends
- Annual fee waived on meeting spend criteria