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Along with various popular categories, including shopping, travel, lifestyle, etc, some of the major card issuers also offer exclusive credit cards in the health and wellness category. After the Covid-19 pandemic, everyone has become even more aware of how important it is to take care of their health. Also, it made us understand that medical emergencies can occur anytime and in such times, credit cards might be one of the most essential financial tools. Keeping all these things in mind, there are a number of health and wellness credit cards in India that are issued by some of the top card issuers, including HDFC Bank, SBI Card, Axis Bank, YES Bank, etc. If you are a fitness freak or you are very much conscious about your health and that of your loved ones, you might be looking for a health-based credit card that will help you save more on selected health and wellness-related categories.

Health is wealth; this norm has been in society for a pretty long time. Therefore, now the market has been expanded in the healthcare sector. Including the tools to enhance the health of individuals these days, there are a lot of factors that are making the average health rate deteriorate day by day. There are many diseases on the market, but not everyone can afford the treatment for them.

Health and Wellness Credit Cards in India

These healthcare credit cards can help you get a lot of benefits such as health services, check-ups, consultations with doctors and other specialists, pharmacies, etc. There are complimentary annual preventive check-ups, fitness sessions, and accelerated rewards on pharmaceutical expenses. There are other added benefits, such as free workout sessions offered by partners.

Some healthcare credit cards also present you with annual memberships for fitness clubs, unlimited online doctor consultations, and annual discounts on health check-ups. There are many credit cards in the market providing different healthcare benefits, but every credit card has a different feature. The motive behind issuing healthcare credit cards is to reach people and focus on helping them with their medical needs and emergencies.

Though there are not so many health and wellness credit cards issued in our country as of now, all the available cards are a great option for health-conscious people. A lot of individuals are not aware of which card issuers offer credit cards in the health & wellness category. This article contains detailed information about everything you need to know about the top health and wellness credit cards in India.

Table of Contents

List of Best Health and Wellness Credit Cards in India 2024

With a lot of credit cards available in the Indian market, it becomes quite difficult for individuals to filter out health and wellness credit cards and choose the best for themselves. If you are also facing such difficulty, we are here to make it easier for you. In this article, we have mentioned the list of best health and wellness credit cards in India along with their detailed features and all other necessary information:

sbi card pulse credit card

(4.5/5)

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

A Noise ColorFit Pulse Smart Watch worth Rs. 5,999, complimentary Fitpass Pro membership, and complimentary Netmeds First membership.

The SBI Card Pulse is a recently launched credit card by SBI Card targeting health-conscious individuals. It comes with an annual fee of Rs. 1,499 which is totally worth it if you know how to maximize the benefits of this card. It comes with a great reward rate and several other privileges, which are as follows:

  • Get a Noise ColorFit Pulse Smart Watch worth Rs. 5,000.
  • Up to 10 reward points on every spend of Rs. 100.
  • Complimentary Netmeds First and FitPass Pro membership.
  • Complimentary airport lounge access and Priority Pass membership.
  • Spend-based waiver of the annual fee.
Axis Bank AURA Credit Card

(4.0/5)

Joining Fee

Rs. 749 + GST

Renewal Fee

Rs. 749 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

A Decathlon voucher worth Rs. 750.

The Axis Bank Aura Credit Card is a basic card that comes with a decent reward rate and great health benefits. The annual fee of this credit card is Rs. 749 and welcomes you with a gift voucher worth the same. With a reward rate of up to 10 Reward Points on every spend of Rs. 200 and great discounts & deals across several categories. The following are some of its most significant features:

Apollo SBI Credit Card

(3.5/5)

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 Reward Points and complimentary Apollo Gold Tier Membership

SBI Card offers the Apollo SBI Card in a partnership with Apollo hospitals to provide its customers with great health-related benefits. It comes with an annual fee of Rs. 499 and provides you with up to 3 Reward Points on every spend of Rs. 100. The following are some of its important features:

  • Complimentary Apollo Gold Tier Membership and 500 Reward Points as a welcome benefit.
  • 1 Reward Point on every retail spend of Rs. 200.
  • Up to 3x Reward Points on selected categories.
  • Spend-based waiver of the renewal fee.
YES Bank Wellness Plus Credit Card

(4.1/5)

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

NA

The YES Bank Wellness Plus Credit Card is a premium credit card issued by the YES Bank in the health category. It comes with an annual fee of Rs. 2,999 and provides you with a great reward rate across all the categories. Not only this, but the YES bank Wellness Plus Cardholders can also get complimentary lounge access and several other benefits across different categories, which are as follows:

  • 6 Reward Points on every retail spend of Rs. 200.
  • Up to 30 Reward Points on selected health-related spends.
  • Complimentary domestic lounge access every quarter.
  • Complimentary air accident insurance cover worth Rs. 1 Crore.
Yes Bank Wellness Credit Card

(4.1/5)

Joining Fee

Rs. 749 + GST

Renewal Fee

Rs. 749 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A

The YES Bank Wellness Credit Card is a toned-down version of the Wellness Plus Credit Card that is mentioned above. It comes with an annual fee of Rs. 1,999 and offers exciting privileges across different categories. Some of its greatest features are as follows:

  • Get a complimentary preventive health check-up every year.
  • 6 Complimentary fitness sessions every month (Gym, Zumba, Yoga, etc)
  • Up to 10 Reward Points on every spend of Rs. 200.
  • Complimentary insurance cover against accidental death.
PNB RuPay Select Credit Card

(4.5/5)

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 750 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

300 bonus Reward Points.

The PNB RuPay Select Credit Card is a basic credit card issued by the Punjab National bank. It comes with an annual fee of Rs. 750 and provides its customers with a decent reward rate along with complimentary insurance covers. The following are some of its great features:

  • 300 bonus Reward Points as a welcome benefit.
  • 2 Reward Points on every spend of Rs. 150.
  • 2 complimentary domestic lounge access every quarter.
  • Insurance cover worth Rs. 10 lakh against accidental death or total personal disability.
doctors ima sbi card

(4.5/5)

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get a complimentary travel gift voucher from Yatra.com worth Rs. 1500. Voucher will be redeemed online at the time of purchase.

SBI Card, in partnership with Indian Medical Association (IMA), offers a co-branded card named Doctor’s IMA SBI Card. The card comes with an annual fee of Rs. 1,499 and is exclusively designed for doctors. It offers a great reward rate and several other benefits across different categories, which are as mentioned below:

  • Get a complimentary travel voucher worth Rs. 1,500 from Yatra.com.
  • 1 Reward Point on every retail spend of Rs. 100 and 5x reward on selected categories.
  • Complimentary domestic and international lounge access every year.
  • Professional Indemnity Insurance which covers up to Rs 20 lakhs.

Health and Wellness Credit Cards – Features & Benefits

Though the health and wellness credit cards are targeted at a particular segment of individuals, the benefits of these cards are not just restricted to the health category. There are several other features and benefits that individuals can avail of using these credit cards. Some of the most significant advantages of health and wellness credit cards are given below:

  • Rewards: Just like other credit cards issued in different categories, the health and wellness credit cards also offer Reward Points/cashback to the cardholders. With these cards, cardholders get rewarded for almost all their spends, and the reward rate is generally higher in health-related categories. Moreover, different credit cards may offer different types of rewards, and the reward rate may also vary accordingly.
  • Health & Wellness Benefits: With health and wellness credit cards, the cardholders generally get accelerated rewards on selected categories, including health checkups, medical store spends, etc. Moreover, some of these cards also offer complimentary fitness sessions every month and free memberships to selected health-based apps/programs like Fitpass pro membership or Netmeds pro subscription.
  • Lifestyle Benefits: The benefits of health credit cards are not just restricted to rewards and death benefits; some of these cards provide cardholders with exciting lifestyle benefits. These benefits may include discounts and deals on dining, movies, entertainment, etc.
  • Travel Privileges: Some health and wellness credit cards also keep the travel requirements of their customers in mind. With these cards, you may get free airport lounge access at domestic/international airport lounges and other travel benefits, such as discounts on travel-related bookings and more.

Health Credit Cards – Rewards/Cashback Benefits

All the health and wellness credit cards offer different types of rewards to the cardholders on all their spends. However, the reward rates may vary for different cards, and it is also different for different categories. With these cards, you generally get a higher reward rate on health-related spends compared to other spends. Moreover, the reward rates of premium cards are generally higher than the basic cards that come with a low annual fee. The rewards offered with various cards may be of different types, and their redemption value may also vary accordingly. The detailed reward rates of the best health and wellness credit cards are given below in the table:

Credit Card Reward Rate
SBI Card Pulse – 10 Reward Points on every Rs. 100 spent on Pharmacy, Chemist, movie & dining

– 2 RPs on every Rs. 100 spent elsewhere.

Axis Bank Aura Credit Card – 2 EDGE Points on every spend of Rs. 200 with the card

– 5x EDGE Points on insurance spends

SBI Card Apollo – 3x Reward Points on Apollo Services

– 2x Reward Points on dining, movies, and entertainment

– 1 Reward Point on every Rs. 100 spent elsewhere.

YES Bank Wellness Plus Credit Card – 6 Reward Points on every Rs. 200 you spend

– 30 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores.

YES Bank Wellness Credit Card – 4 Reward Points on every Rs. 200 you spend

– 10 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores.

PNB RuPay Select Credit Card – 2 Reward Points on every spend of Rs. 150
Doctor’s IMA SBI Card – 1 Reward Point on every retail spend of Rs. 100.

–  5x Rewards on medical supplies, travel bookings and international spends

.– 5x Rewards on all spends on Doctor’s Day.

Reward Redemption

The reward redemption process varies from card issuer to card issuer. They have different reward portals and methods for the redemption of reward points. However, all the card issuers offer a wide range of redemption options to the cardholders so that they can redeem their earned points against a category of their choice. The monetary value of rewards and methods to redeem the rewards are given below in the table:

Credit Card Reward Redemption
SBI Card Pulse & IMA Doctor’s SBI Card The Reward points can be redeemed via net banking at a rate of 1 RP = Re. 0.25.
Axis Bank Aura Credit Card Rewards can be redeemed via the Edgerewards portal, where 1 RP = Re. 0.20.
SBI Card Apollo Rewards can be used to avail of services at Apollo Healthcare Centers and related stores. 1 RP = Re. 1.
YES Bank Wellness Plus Credit Card & YES Bank Wellness Credit Card Reward Points can be redeemed through the Yes Rewardz website, where 1 RP = Re. 0.25 (for redemption against hotel/flight bookings), and 1 Reward Point = Re. 0.10 (for redemption against gift vouchers and product catalogue)
PNB RuPay Select Credit Card 1 RP = Re. 0.5 for redemption against various options at the PNB Rewardz portal

Health and Wellness Credit Cards – Annual Fee

Different health and wellness credit cards come with different annual charges, and their features also vary accordingly. The cards with higher annual fees generally have more premium benefits compared to the low or no annual fee cards that come with very basic benefits. The joining and annual membership fee of these cards is mentioned in the following table:

Credit Card Annual Fee  Condition for Annual Fee Waiver
SBI Card Pulse Rs. 1,499 Spend Rs. 2 lakhs or more in the previous year.
Axis Bank Aura Credit Card Rs. 749 NA
SBI Card Apollo Rs. 499 Spend Rs. 1 Lakh or more in the previous year.
YES Bank Wellness Plus Credit Card Rs. 2,499 NA
YES Bank Wellness Credit Card Rs. 1,999 NA
PNB RuPay Select Credit Card Rs. 500 (joining fee)Rs. 750 (annual fee) Use your card at least once every quarter.
IMA Doctor’s SBI Card Rs. 1,499 Spend Rs. 2 lakhs or more in the previous year.

Health Credit Cards With Lounge Access

The advantages of health and wellness credit cards are not just restricted to medical benefits but the cardholders may also get exciting travel benefits. Some of these cards offer complimentary domestic as well as international lounge access every year. These cards are listed below:

  • SBI Card Pulse: 2 complimentary domestic lounge access every quarter.
  • YES Bank Wellness Plus Credit Card: 8 complimentary domestic lounge access every year.
  • PNB RuPay Select Credit Card: 2 complimentary domestic airport lounge access every quarter.
  • Doctor’s IMA SBI Card: 8 complimentary domestic and 4 international lounge access every year.

Health and Wellness Credit Cards Eligibility Criteria

There are certain eligibility requirements that the applicants need to fulfil in order to get approved for the health and wellness credit cards mentioned above. These requirements may vary from card issuer to card issuer and from card to card as well. Some basic eligibility criteria that you should keep in mind are given below:

Credit Card Eligibility Criteria
SBI Card Pulse – Age: 18 years to 65 years–

Income: Applicant should have a stable monthly income.

Axis Bank Aura Credit Card – Age: 18 years to 70 years

– Income: Applicant should have a stable monthly income.

SBI Card Apollo – Age: 18 years to 65 years

– Income: Applicant should have a stable monthly income.

YES Bank Wellness Plus Credit Card – Age: 21 years to 60 years

– Income: Minimum 25,000 per month

YES Bank Wellness Credit Card – Age: 21 years to 60 years

– Income: Minimum 20,000 per month

PNB RuPay Select Credit Card – Age: 21 years to 65 years

– Income: Applicant should have a stable monthly income.

IMA Doctor’s SBI Card – Age: 21 years to 65 years

– Income: Minimum Rs. 1.5 lakhs per annum.

– Applicant should be a doctor.

How To Apply For Health and Wellness Credit Cards?

The application process of the Health and Wellness Credit Cards is the same as that of the other general credit cards. You can apply for these cards online as well as offline at your convenience. To apply offline, you will have to visit your nearest branch of the respective bank from which you want to get a credit card. Make sure to carry all the necessary documents, like your identity proof, address proof, income proof, etc, along with you. Fill out the physical application form to apply for the card. To apply online, you will have to follow a few simple steps:

  • Find out the card you want to apply for.
  • Click on Apply Now.
  • Fill in your details.
  • Submit your application.
  • You shall receive your credit card once approved.

Bottom Line

A health and wellness credit card is a great option for someone who is health conscious and loves to attend fitness sessions and take doctor consultations for every small thing related to their health. These credit cards don’t only offer accelerated reward points on health-based categories, but some premium cards come with complimentary memberships like Fitpass Pro, Netmeds Pro, etc. Also, you can get great discounts on doctor consultations, which is going to save you a lot of money if you visit your doctor very often. The best thing here is that the health and wellness credit cards are available in basic as well as premium categories, and hence, everyone can choose a card according to their requirements.

Health is something that most individuals are concerned about. All these credit cards in the market providing benefits related to health care are highly targeting these individuals. These credit cards are most beneficial for those who are majorly focused on not only their but their loved ones’ health.

FAQs:

No, the above credit cards are not lifetime free, but you can make them free for yourself by achieving the spend-based waiver condition.
The joining and annual fee of the Doctor's regalia Credit Card is Rs. 2,500.
The following cards offer a great reward rate on pharmacy spends:
  • SBI Card Pulse (10 Reward Points on every Rs. 100 spent on Pharmacy, Chemist).
  • YES Bank Wellness Plus Credit Card  (30 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores.)
  • YES Bank Wellness Credit Card (10 Reward Points on every Rs. 200 you spend on chemist/pharmaceutical stores).
For the Apollo SBI Card, 1 Reward Point = Re. 1. These rewards can be used to avail of services at Apollo Healthcare Centers and related stores.

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