Best Health and Wellness Credit Cards in India 2024

Credit cards with health and wellness benefits focus on helping you with your medical needs and emergencies. The motive behind such cards is to increase the access to and affordability of healthcare and medical facilities. Here, we have discussed the health and wellness focused credit cards offered by popular banks in detail and how you can benefit from such cards. 

Top Health Credit Cards for Medical Benefits in India

Check the list of some of the top credit cards which come with medical benefits below:

Apollo SBI Credit Card

The Apollo SBI Card offers a complimentary Gold Tier Membership to the cardholders. Under this, you enjoy benefits, like 1.5% of the bill amount as Health Credits (HC) at Apollo Centers, 5% off on non-pharmaceutical products, 10% off on pharmaceutical products and up to 15% off on Apollo-branded products. The earned Health Credits cannot be used to purchase any product from SBI credit card rewards catalogue, but can be redeemed in 1:1 ratio at Apollo Health Centers. This makes this card suitable for those who frequently use Apollo services for their medical needs, however you should look for other options if you want any other significant benefits on other category spends or want a high SBI reward points earning.

Joining Fee: Rs. 499
Annual Fee: Rs. 499 (waived on Rs. 1 lakh annual spends)

Features and Benefits of SBI Apollo Credit Card-

• 500 reward points worth Rs. 500 on joining
• OneApollo Gold tier membership
• 3 reward points per Rs. 100 spent on Apollo services
• Up to 10% off at select Apollo services
• 2 reward points per Rs. 100 dining, movies & entertainment spends
• 1 reward point per Rs. 100 beauty & wellness service spends
• 1 reward point per Rs. 200 non-fuel retail spends

Suggested Read: Best Rewards Credit Cards in India | Check Eligibility for Top Cards

Axis Bank Aura Credit Card

If you have regular medical expenses and are a frequent user of Practo, Fitternity, Indus Health Plus, etc. then Axis Bank Aura Credit Card could be a good choice. You can avail free online consultations as well as fitness sessions via this card from the convenience of your home itself. Those who are mindful of their diets and prefer to purchase food products from health-brands can also benefit from this card by availing considerable discount offers on nutritious foods. Moreover, it is one of the very few credit cards which provides accelerated rewards on insurance spends.

Joining Fee: Rs. 749
Annual Fee: Rs. 749

Features and Benefits of Axis Aura Credit Card-

• Rs. 750 Decathlon welcome voucher 
• 4 free video doctor consultations per month via Practo
• 4 interactive video fitness & 16 recorded sessions per month via Fitternity
• Up to Rs. 500 off on annual health check-up via Indus Health Plus
• Min. 30% off on nutritional foods & nutrition/diet consultations
• 10 EDGE reward points per Rs. 200 on insurance spends of up to Rs. 10,000
• 2 EDGE reward points per Rs. 200 spends
• Up to 20% off on dining via Axis Bank Dining Delights

Suggested Read: Best Credit Cards for Dining in India

YES Bank Wellness Credit Card

YES Bank Wellness Credit Card is suitable for those who spend regularly on pharmaceuticals and can make use of the complimentary fitness sessions. Besides these, complimentary health check-ups and consultations are also an added perk that the cardholders can avail. However, if you are looking for benefits on other categories like travel, shopping, etc. then this card might not be the best choice for you.

Joining Fee: Rs. 749
Annual Fee: Rs. 749

Features and Benefits of YES Bank Wellness Credit Card-

• 6 fitness sessions (Yoga, Gym, Zumba, etc.) per month
• 20 reward points per Rs. 200 chemist & pharmaceutical spends
• 4 reward points per Rs. 200 other spends
• Min. 15% off on dining at select restaurants
• Annual preventive health check-up for 25 parameters, eye & dental check-up and unlimited consultations via AB Multiply app
• Credit shield cover on primary cardholder’s accidental death

Suggested Read: Best Credit Cards for Travel in India | Check Eligibility for Top Cards

YES Bank Wellness Plus Credit Card

If you have regular medical expenses and are looking for a card with accelerated rewards earning rate on your medicine related purchase then YES Bank Wellness Plus Credit Card could be a good choice. This credit card offers a reward rate of 3% on pharmaceutical spends which is quite decent. An upgrade from the YES Bank Wellness credit card, this card also comes with lounge access, more fitness sessions and more extensive health check-ups, but also with double the annual fee as compared to the base card variant.

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499

Features and Benefits of YES Bank Wellness Plus Credit Card-

• Annual preventive health check-up for 31 parameters, eye & dental check-up and unlimited consultation via AB Multiply app
• 12 fitness sessions (Gym, Yoga, Zumba, etc.) per month
• 2 domestic lounge visits within India per quarter
• Min. 15% off on dining at select restaurants
• 30 reward points per Rs. 200 chemist & pharmaceutical spends
• 6 reward points per Rs. 200 other spends
• Rs. 25 lakh medical insurance cover for emergency hospitalisation while travelling overseas
• Rs. 1 crore cover for death due to flight accidents

Suggested Read: Best Credit Cards with Airport Lounge Access | Check Eligibility for Top Cards

SBI PULSE Credit Card

You should get SBI Card PULSE if you are looking for a health credit card that offers benefits across other categories, such as entertainment and lounge access for a comfortable travel experience. The welcome benefit offered on this card is worth more than the joining fee paid and you can also avoid paying the annual fee by spending at least Rs. 2 lakh annually via this card. However, note that SBI PULSE Card is not suited for people looking for lifestyle benefits or a high rewards rate.

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499 (waived on Rs. 2 lakh annual spends)

Features and Benefits of SBI PULSE Card-

• Rs. 5,999 Noise ColorFit Pulse 2 Max Smart Watch on joining fee payment
• 1 year FITPASS PRO & Netmeds First memberships
• 10 reward points per Rs. 100 chemist, pharmacy, dining & movies spends
• 2 reward points per Rs.100 other spends
• Rs.1,500 e-voucher on Rs. 4 lakh annual retail spends
• 2 domestic lounge visits per quarter
• USD 99 Priority Pass membership for the first 2 years
• Extensive insurance cover against fraud, air accident, and other travel-related losses/delays

Suggested Read: Credit Cards with the Best Welcome Bonus | Check Eligibility for Top Cards

Why is it important to have a Health-Focused Credit Card?

Medical emergencies come unexpected due to which there is always a possibility that you may find it difficult to arrange cash, specifically when the cost of treatment is expensive. In such a situation, a medical credit card would come in handy. A credit card is a quick way to pay for medical emergencies as there is no time to wait for a loan approval to come through. Moreover, if such a card comes with additional health benefits, it can prove to be very helpful when the need arises.

Bottom Line

Although rare in number, heath credit cards available in the market offer protection against a variety of medical exigencies. Even though one can never guess when a medical emergency might strike, having a credit card that covers your expenses helps you stay prepared in the moment of need. It is still advisable to do a thorough research of the cards based on your medical history and requirements.

Suggested Read: Credit Card for Doctors in India