Credit cards with health and wellness benefits are designed to support your medical needs and emergencies while making healthcare more accessible, affordable, and rewarding. They can be especially useful for fitness-conscious consumers as well as for those with frequent medical needs like families with young children or elderly parents. Here, we have mentioned the best health and wellness focused credit cards offered by popular issuers to help you find the right one.
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Top 5 Health and Wellness Credit Cards in India
Apollo SBI Card Select
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
10% savings on Apollo 24/7 and Apollo Pharmacy as reward points
Comprehensive health check-up pack on Rs. 50,000 spends in 1st 90 days per year
Product Details
- 2 reward points per Rs. 100 spent on dining, travel, movies and entertainment
- 1 reward point per Rs. 200 spent on other categories; 1 RP= 1 Heath Credit = Rs. 1
- 1-year complimentary FITPASS PRO membership on joining
- Fee waiver and Rs. 7,999 Noise Smartwatch on Rs. 3 Lakh and Rs. 6 Lakh annual spends
- Free Priority Pass membership for 2 years and 4 domestic lounge visits per year
YES Bank Wellness Plus Credit Card
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
30 reward points per Rs. 200 spent on chemists/pharmaceutical stores
Unlimited consultations with General Practitioner, Nutritionist & Specialist
Product Details
- 12 complimentary fitness sessions every month, including gym, yoga, Zumba, etc.
- Annual complimentary preventive health check-ups across 31 parameters
- Annual complimentary eye and dental check-ups
- 6 reward points per Rs. 200 spent on other purchases; 10 Reward Points = 1 InterMile or 1 Club Vistara Point
- Up to 2 complimentary visits to domestic airport lounges every calendar quarter
Axis Bank AURA Credit Card
Joining fee: ₹749
Annual/Renewal Fee: ₹749
Free doctor consultations via Practo and fitness sessions via Fitternity
Product Details
- 4 free video doctor consultations per month via Practo
- 4 free interactive video fitness sessions per month via Fitternity
- Up to Rs. 500 discount on annual health check-up at IndushealthPlus, once every year
- Minimum 30% discount on nutritional/diet consultation
SBI Card PULSE
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
5x rewards on chemists and pharmacies
Product Details
- 5x reward on on chemists, pharmacies, dining and movies
- 2 rewards for every Rs. 100 spent
- Complimentary FITPASS PRO and Netmeds membership
- Noise ColorFit Pulse 2 Max Smartwatch on card activation
- Netmeds vouchers worth Rs. 1,500 on annual spends of Rs. 4 lakh
BOB Tiara Credit Card
Joining fee: ₹2499
Annual/Renewal Fee: ₹2499
5X rewards on dining, travel & international spends
Unlimited complimentary domestic lounge visits
Product Details
- 15 reward points for every Rs. 100 spent on dining, travel and internationally
- 3 reward points for every Rs. 100 spent on other categories
- Low forex markup fee of 2%
- Complimentary annual memberships of Amazon Prime/ Disney Hotstar and Gana Plus, once per annum
5 Best Health & Wellness Credit Cards
Given below is the list of top credit cards with health and wellness benefits, such as free health check-ups, complimentary memberships, accelerated rewards, and more. Compare and find the best card that suits your needs.
1. Apollo SBI Card SELECT
Joining Fee: Rs. 1,499 + Applicable Taxes
Annual Fee: Rs. 1,499 + Applicable Taxes
Key Features & Benefits
- 1-year complimentary FITPASS PRO Membership
- Complimentary comprehensive health check-up package every year
- 10 reward points for every Rs. 100 spent on Apollo 24|7 and Apollo Pharmacy
- Apollo 24|7 e-gift voucher worth Rs. 1,500 after the payment of joining fee
- Noise Smartwatch worth Rs. 7,999 on annual spends of Rs. 6 Lakh
- 2 reward points for every Rs. 100 spent on dining, travel, movies & entertainment
- 1 reward point for every Rs. 200 on other spends
- 4 complimentary domestic lounge access per year (Max. 1 per quarter)
- Complimentary Priority Pass Membership for two years
Apollo SBI Card SELECT is a co-branded card primarily focused on healthcare benefits. It offers 10X reward points on spends at Apollo, along with other healthcare benefits such as complimentary health check-up, Apollo e-gift voucher, and FITPASS PRO membership. In addition, it offers 2X reward points on dining, travel, movies, and entertainment, making it a suitable option for everyday spends as well. Cardholders can convert the accumulated reward points into Apollo Health Credits at a 1:1 ratio, enhancing overall savings on healthcare expenses. Overall, this credit card is ideal for consumers who frequently spend at Apollo and its partner brands for healthcare needs.
2. YES Bank Wellness Plus Credit Card
Joining Fee: Rs. 1,499 + Applicable Taxes
Annual Fee: Rs. 1,499 + Applicable Taxes
Key Features & Benefits
- Complimentary annual preventive health check-up for up to 31 parameters
- Complimentary annual dental and eye check-up
- Unlimited consultation with Nutritionist, General Practitioner, & Specialists
- 12 complimentary fitness sessions per month such as Gym, Yoga, Zumba, etc.
- 30 reward points per Rs. 200 spent on to chemist/ pharmaceutical stores
- 6 reward points per Rs. 200 spent on other categories
- 2 complimentary domestic lounge visits per quarter
YES Bank Wellness Plus Credit Card is the premium variant of YES Bank Wellness Credit Card, offering 5X reward points on spends at chemists and pharmaceutical stores. Additional healthcare benefits such as complimentary health check-ups, dental and eye check-ups, and unlimited consultations enhance its overall value for consumers looking to save on healthcare expenses. This credit card is a good option for those looking to save on medicine-related spends without any specific brand preference. However, consumers seeking higher rewards across multiple spending categories should explore other options as per their spending habits.
3. Axis Bank Aura Credit Card
Joining Fee: Rs. 749 + Applicable Taxes
Annual Fee: Rs. 749 + Applicable Taxes
Key Features & Benefits
- 4 free video doctor consultations every month via Practo (Up to 48 annually)
- Flat 20% off on prescription medicine orders, lab tests, and health check-ups via Plus membership section on the Practo app
- 4 free interactive video fitness sessions every month along with access to 16 recorded sessions in a month via Fitternity
- Up to Rs. 500 discount on annual health check-up at IndushealthPlus, once every year
- Minimum 30% discount on nutritional/diet consultation
- Minimum 30% discount on nutritional foods
- 2 EDGE reward points for every Rs. 200 spent
- 5X EDGE reward points on insurance spends, with maximum transaction capped at Rs. 10,000
- Decathlon voucher worth Rs. 750 as a welcome benefit
Axis Bank Aura Credit Card is a rewards credit card primarily focused on the health and wellness category. It comes with free doctor and nutritionist consultations, fitness sessions, discounts on health check-ups and medicines, and more. In addition to general rewards, cardholders can earn 5X reward points on insurance spends, a category usually excluded from the rewards program. This card is a suitable choice for those looking to save on health and wellness expenses, and especially beneficial for consumers who prefer online doctor consultations through Practo. Overall, it justifies its annual fee of Rs. 749 with benefits on popular health and fitness brands like Practo, Fitternity, IndushealthPlus, and Decathlon.
4. SBI Card PULSE
Joining Fee: Rs. 1,499 + Applicable Taxes
Annual Fee: Rs. 1,499 + Applicable Taxes
Key Features & Benefits
- Complimentary FITPASS PRO and Netmeds membership auto-renewed with card renewal
- 10 reward points for every Rs. 100 spent on chemists and pharmacies
- Noise ColorFit Pulse 2 Max Smartwatch on card activation
- Netmeds e-voucher worth Rs. 1,500 on annual spends of Rs. 4 Lakh
- 10 reward points for every Rs. 100 spent on dining and movies
- 2 reward points for every Rs. 100 spent on other purchases
- 8 complimentary domestic lounge access visits in a year
- Priority Pass Lounge Membership worth $99
SBI Card PULSE offers accelerated rewards on spends at pharmacies and chemists, as well as on dining and movies, making it a suitable option for day-to-day expenses. It also comes with complimentary FITPASS PRO and Netmeds memberships, which are auto-renewed at the time of card renewal. Additionally, cardholders receive a free Noise ColorFit Pulse 2 Max Smartwatch worth Rs. 7,999 as a joining benefit, adding to its overall value. However, despite being a rewards credit card, it offers comparatively lower value back due to its low reward redemption rate of Rs. 0.25 per point. Overall, this card is a good choice for consumers looking to save on healthcare-related expenses while also earning rewards on everyday spends.
5. BOB Tiara Credit Card
Joining Fee: Rs. 2,499 + Applicable Taxes
Annual Fee: Rs. 2,499 + Applicable Taxes
Key Features & Benefits
- Complimentary 6 months FITPASS PRO Membership worth Rs. 15,000
- Complimentary women’s health package, including Pap Smear & Blood Tests, Mammography and more
- Annual memberships of Amazon Prime/ Disney Hotstar and Gaana Plus
- 3 months Swiggy One membership, once per annum
- Low forex markup fee of 2%
- Unlimited complimentary domestic lounge visits for primary cardholder on spending Rs. 40,000 in a quarter
- Rs. 500 discount each on Nykaa, Flipkart and Myntra every quarter
- Rs. 250 discount each on BookMyShow and BigBasket every quarter
- Rs. 1,500 discount voucher every quarter for Lakme Salon
- 15 reward points for every Rs. 100 spent on dining, travel and internationally
- 3 reward points for every Rs. 100 spent on other categories
BOB Tiara Credit Card is an all-rounder credit card offering benefits across health & wellness, shopping, travel, groceries, entertainment, and more. The card offers a complimentary health package exclusively for women. In addition to this, welcome benefits, including annual memberships of Amazon Prime/Disney Hotstar and Gaana Plus, a 3-month Swiggy One membership, and a 6-month Fitpass Pro Membership worth Rs. 15,000, easily surpass the card’s joining fee by a wide margin. Additional benefits such as discounts on top brands like Nykaa, Flipkart, and Myntra, unlimited lounge visits, and a low forex markup fee make it a suitable option for shopping and travel as well. Overall, this card is a good choice for consumers seeking decent benefits across multiple categories.
