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. Medical emergencies can occur at any time, and in such situations, credit cards may be one of the most essential financial tools. Keeping all these factors in mind, there are several health and wellness credit cards in India issued by top card issuers, including SBI Card, Axis Bank, and YES Bank. If you are a fitness enthusiast or very conscious about your health and that of your loved ones, you may be looking for a health-based credit card that helps you save more on select health and wellness-related categories.
Health is wealth; this norm has been in society for a pretty long time. Therefore, a dedicated health credit card is a must-have for us all. These healthcare credit cards offer numerous benefits, including health services, check-ups, consultations with doctors and other specialists, and access to pharmacies. 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 on the market that offer various healthcare benefits, but each card has distinct features. The primary motive behind issuing healthcare credit cards is to reach people and focus on addressing their medical needs and emergencies.
Although there are not many health and wellness credit cards issued in our country at present, all the available cards are a great option for health-conscious individuals. Many individuals are unaware of which card issuers offer credit cards in the health and wellness category. This article contains detailed information about everything you need to know about the top health and wellness credit cards in India.
With numerous credit cards available in the Indian market, it becomes quite challenging for individuals to filter out health and wellness credit cards and choose the best one 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 the best health and wellness credit cards in India, along with their detailed features and all other necessary information:
10 Reward Points/₹100 on Movies, Dining, Pharmacy & Chemist (2.5%) | 2 Reward Points/₹100 on Other Spends (0.5%)
Noise ColorFit Pulse 4 Pro Smart Watch Worth ₹7,999 and Complimentary Fitpass Pro and Netmeds First Membership
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The SBI Card Pulse is a health credit card by SBI Card targeting health-conscious individuals. It comes with an annual fee of ₹1,499, which is totally worth it if you know how to maximize the card’s benefits. It comes with an excellent reward rate and several other privileges, which are as follows:
10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Other Purchases
Apollo 24/7 Gift Voucher Worth ₹1,500, Built-in Apollo Circle Benefits, and FITPASS PRO Membership
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The Apollo SBI Select Credit Card is a health-focused credit card launched by SBI Card in partnership with Apollo 24|7. It offers great value when you spend on medicines, doctor consultations, and other healthcare services from Apollo. You earn 10% back as Health Credits on Apollo 24|7 spends and extra discounts with the built-in Apollo Circle membership, adding up to 25% valueback.
You also get rewards on travel, dining, and entertainment, plus perks like free domestic airport lounge access, a 2-year Priority Pass membership, and milestone gifts like a free health check-up or even a smartwatch. With a joining fee of ₹1,499 that is balanced by welcome gifts, it’s a great choice for families who regularly spend on health and wellness.
2 EDGE Points/₹200 Spent With the Card and 5X EDGE Points on Insurance Spends (Maximum Transaction of ₹10,000)
Decathlon Voucher Worth ₹750
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The Axis Bank Aura Credit Card is a basic card that offers a decent reward rate and excellent health benefits. The annual fee of this credit card is ₹749, and it welcomes you with a gift voucher worth the same. With a reward rate of up to 10 Reward Points on every spend of ₹200, and great discounts & deals across several categories. The following are some of its most significant features:
Earn 1 Reward Point/₹100 On Regular Spends (Reward Rate Of 0.25%) And 5 Reward Points/₹100 On Medical Supplies, Travel Bookings, And International Spends (Reward Rate Of 1.25%). Additionally, Earn 5 Reward Points/₹100 On All Spends On Doctor’s Day
Yatra Gift Voucher Worth ₹1,500
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SBI Card, in partnership with the Indian Medical Association (IMA), offers a co-branded card named Doctor’s IMA SBI Card. The card comes with an annual fee of ₹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:
6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.
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The Wellness Plus Credit Card is a premium credit card issued by YES Bank in the health category. It comes with an annual fee of ₹1,499 and offers a great rewards rate across all 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:
Although health and wellness credit cards are targeted at a specific segment of individuals, the benefits of these cards extend beyond the health category. There are several other features and benefits that individuals can get from using these credit cards. Some of the most significant advantages of health and wellness credit cards are given below:
All the health and wellness credit cards offer different types of rewards to the cardholders on all their spends. However, reward rates may vary across cards and 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 those of basic cards, which 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/₹100 spent on Pharmacy, Chemist, movie & dining
– 2 RPs on every ₹100 spent elsewhere. |
| Apollo SBI SELECT Credit Card | -10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Other Purchases |
| Axis Bank Aura Credit Card | – 2 EDGE Points on every spend of ₹200 with the card
– 5x EDGE Points on insurance spends |
| YES Bank Wellness Plus Credit Card | – 6 Reward Points on every ₹200 you spend
– 30 Reward Points on every ₹200 you spend on chemist/pharmaceutical stores. |
| Doctor’s IMA SBI Card | – 1 Reward Point on every retail spend of ₹100.
– 5x Rewards on medical supplies, travel bookings, and international spends. – 5x Rewards on all spends on Doctor’s Day. |
The reward redemption process varies from card issuer to card issuer. They have different reward portals and methods for redeeming 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 | 1 RP = ₹0.25 |
| Axis Bank Aura Credit Card | 1 RP = ₹0.20 |
| YES Bank Wellness Plus Credit Card | 1 RP = ₹0.25 |
Different health and wellness credit cards come with varying annual fees, and their features also differ accordingly. Cards with higher annual fees generally offer more premium benefits compared to low or no-annual-fee cards, which typically come with very basic benefits. The joining and annual membership fees of these cards are mentioned in the following table:
| Credit Card | Annual Fee | Conditions for Annual Fee Waiver |
| SBI Card Pulse | ₹1,499 | Annual Charges Reversed on Spending of ₹2 Lakh or More |
| Apollo SBI SELECT Credit Card | ₹1,499 | Annual Charges Reversed on Spending of ₹3 Lakh or More |
| Axis Bank Aura Credit Card | ₹749 | NA |
| YES Bank Wellness Plus Credit Card | ₹2,499 | NA |
| IMA Doctor’s SBI Card | ₹1,499 | Annual Charges Reversed on Spending of ₹2 Lakh or More |
The advantages of health and wellness credit cards extend beyond medical benefits, as cardholders may also enjoy exciting travel benefits. Some of these cards offer complimentary domestic as well as international lounge access every year. These cards are listed below:
The application process for health and wellness credit cards is the same as that for other general credit cards. You can apply for these cards online or offline at your convenience. To apply online, you will have to follow a few simple steps:
A health and wellness credit card is a great option for individuals who are health-conscious and enjoy attending fitness sessions and consulting with doctors for minor health concerns. These credit cards not 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 aspect here is that health and wellness credit cards are available in both basic and premium categories, allowing everyone to choose a card that suits their requirements.
Most individuals are concerned about their health. All the credit cards on the market that provide benefits related to healthcare are highly targeted at these individuals. These credit cards are most beneficial for those who are primarily focused on their own and their loved ones’ health.
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 following cards offer a great reward rate on pharmacy spends: