Axis vistara excludes insurance for both reward points ane milestones right?
You can consider taking SBI Air India Signature card. You'd get 40k Maharaja Club points worth 25k - 35k upon 5 lakh spend. They got credited without any hassle within a week for me.
Point to be cautious is insurance could be made an exclusion in the future but this seemed to be the best card for my case.
Feel free to mark this as solution if it helps your case.