Healthcare expenses in India are rising faster than your step counter after January 1st resolutions. From routine pharmacy runs to annual health check-ups and insurance premiums, staying healthy isn’t cheap. That’s exactly where the Best Health Credit Cards in India come into play-helping you earn rewards while you take care of yourself (because if you’re paying anyway, you might as well get points for it).
Whether you’re stocking up on medicines for the family, paying insurance premiums, or booking preventive health packages you promised you’d actually use this year, a health-focused credit card can turn those essential expenses into cashback, reward points, and lifestyle perks. Think of it as your wallet saying, “At least let me help.”
Of course, not all cards are built the same. Some offer higher pharmacy rewards, others focus on insurance benefits or travel perks so choosing the right one matters. In this guide, we compare the top healthcare and pharmacy rewards credit cards in India and break down which card fits your spending style best-minus the complicated jargon and plus a little clarity.
1. Apollo SBI Card SELECT
Best for Apollo Pharmacy & Healthcare Spends
Joining Fee: ₹1,499 + Taxes
Annual Fee: ₹1,499 + Taxes
Key Features & Benefits:
- 1-year complimentary FITPASS PRO membership
- Free annual comprehensive health check-up
- 10 reward points per ₹100 spent at Apollo 24/7 & Apollo Pharmacy
- ₹1,500 Apollo e-gift voucher upon joining fee payment
- Noise Smartwatch on ₹6 lakh annual spending
- 4 complimentary domestic lounge visits annually
- Priority Pass membership for 2 years
Why Choose This Card?
This co-branded card is ideal for individuals who frequently shop at Apollo Pharmacy or use Apollo 24/7 services. Reward points can be converted into Apollo Health Credits at a 1:1 ratio, maximizing healthcare savings.
2. YES Bank Wellness Plus Credit Card
Best for Pharmacy & Medical Store Rewards
Joining Fee: ₹1,499 + Taxes
Annual Fee: ₹1,499 + Taxes
Key Features & Benefits:
- Complimentary annual preventive health check-up
- Free dental and eye check-ups
- Unlimited consultations with nutritionists and doctors
- 12 complimentary fitness sessions per month
- 30 reward points per ₹200 spent at chemists/pharmacies
- 2 complimentary domestic lounge visits per quarter
Why Choose This Card?
If your household has regular pharmacy expenses, this card offers strong accelerated rewards without being tied to a specific brand.
3. Axis Bank AURA Credit Card
Best Budget Health Credit Card
Joining Fee: ₹749 + Taxes
Annual Fee: ₹749 + Taxes
Key Features & Benefits:
- 4 free video doctor consultations per month via Practo
- 20% discount on medicines, lab tests, and health check-ups
- 4 free interactive fitness sessions per month
- 5X EDGE reward points on insurance payments
- ₹750 Decathlon welcome voucher
Why Choose This Card?
With a low annual fee and practical healthcare benefits, this card is suitable for individuals who prefer online consultations and want rewards on insurance payments.
4. SBI Card PULSE
Best for Chemist Rewards & Lounge Access
Joining Fee: ₹1,499 + Taxes
Annual Fee: ₹1,499 + Taxes
Key Features & Benefits:
- Complimentary FITPASS PRO & Netmeds memberships
- 10 reward points per ₹100 spent at chemists
- Noise ColorFit Pulse 2 Max Smartwatch as joining benefit
- 8 domestic lounge visits annually
- Priority Pass membership worth $99
Important Note:
The reward redemption value is ₹0.25 per point, which slightly reduces the effective cashback value.
Why Choose This Card?
A good option for those who want pharmacy rewards along with travel lounge access.
5. BOB Tiara Credit Card
Best Women-Centric Health & Lifestyle Credit Card
Joining Fee: ₹2,499 + Taxes
Annual Fee: ₹2,499 + Taxes
Key Features & Benefits:
- 6-month FITPASS PRO membership
- Complimentary women’s health package (Pap smear, mammography, blood tests)
- Annual Amazon Prime / Disney+ Hotstar membership
- 3-month Swiggy One membership
- Low forex markup of 2%
- Unlimited domestic lounge visits (spend-based)
- 15 reward points per ₹100 on dining, travel & international spends
Why Choose This Card?
This is a comprehensive lifestyle card with strong health and shopping benefits, especially designed to cater to women cardholders.
Quick Comparison Table
| Credit Card | Best For | Annual Fee | Key Strength |
| Apollo SBI Card SELECT | Apollo Users | ₹1,499 | 10X healthcare rewards |
| YES Bank Wellness Plus | Pharmacy Spends | ₹1,499 | 5X chemist rewards |
| Axis Bank AURA | Budget Users | ₹749 | Insurance rewards |
| SBI Card PULSE | Chemist + Lounge | ₹1,499 | Pharmacy rewards + travel benefits |
| BOB Tiara | Women Lifestyle | ₹2,499 | Women-centric health package |
Best for Maximum Healthcare Rewards
Apollo SBI Card SELECT → 10X reward rate makes it strongest for heavy medical spenders.
Best Budget Option
Axis Bank AURA → Lowest annual fee (₹749).
Best for Travel + Pharmacy Combo
SBI Card PULSE → Lounge access + health benefits.
Best for Women-Focused Benefits
BOB Tiara → Lifestyle + health package combo.
What is a Best Health Credit Cards in India?
A health and wellness credit card is designed to provide rewards and discounts on medical expenses, pharmacy purchases, fitness memberships, and preventive health check-ups. These cards help reduce healthcare costs by offering accelerated reward points, complimentary consultations, and special health packages.
Who Should Consider These Cards?
- Individuals with regular pharmacy or medical expenses
- Families seeking preventive health check-up benefits
- Fitness enthusiasts using gyms, yoga, or wellness platforms
- Users looking to earn rewards on insurance payments
Frequently Asked Questions
What is the best health and wellness credit card in India?
The best health and wellness credit card in India depends on your spending habits. If you frequently shop at Apollo Pharmacy, the Apollo SBI Card SELECT is ideal. For pharmacy rewards across brands, YES Bank Wellness Plus Credit Card is a strong option. Budget users may prefer the Axis Bank AURA Credit Card due to its lower annual fee.
Do credit cards offer rewards on medical and pharmacy expenses?
Yes, several health-focused credit cards offer accelerated reward points on medical bills and pharmacy purchases. Cards like SBI Card PULSE and YES Bank Wellness Plus provide higher reward rates for chemist and healthcare spends, helping reduce overall medical expenses.
Which credit card gives free health check-ups in India?
Many wellness credit cards provide complimentary annual health check-ups. For example, Apollo SBI Card SELECT offers a comprehensive health package, while BOB Tiara Credit Card provides a women-centric preventive health package including diagnostic tests.
Can I earn reward points on insurance premium payments?
Yes, some health credit cards offer rewards on insurance payments. The Axis Bank AURA Credit Card provides 5X EDGE reward points on insurance transactions, which is a rare benefit since many cards exclude insurance from rewards.
Are gym memberships free with health credit cards?
Certain health and wellness credit cards offer complimentary or discounted fitness memberships. Cards may include FITPASS PRO memberships, free gym sessions, yoga classes, or online fitness consultations depending on the issuer’s partnerships.
Are health and wellness credit cards worth it if I already have health insurance?
Yes. Health insurance covers major medical emergencies, while wellness credit cards help you save on routine expenses like medicines, lab tests, doctor consultations, and gym memberships. Together, they provide comprehensive financial protection and savings.
Which is the best credit card for medicine purchases in India?
If you have high monthly pharmacy expenses, YES Bank Wellness Plus and SBI Card PULSE are among the best options because they offer accelerated rewards on chemist and pharmaceutical spending.
Do health credit cards offer airport lounge access?
Yes, many health-focused credit cards also provide domestic and international lounge access. For example, SBI Card PULSE offers multiple domestic lounge visits annually along with a Priority Pass membership.
How do I apply for a health and wellness credit card online?
You can apply online through the bank’s official website or mobile app. You will need basic documents such as identity proof, address proof, and income proof. Once approved, the card is issued digitally or physically.
What should I consider before choosing a health credit card?
Annual fee vs benefits
Reward rate on medical expenses
Free health check-up value
Gym or fitness memberships included
Lounge and travel benefits
Choose a card that matches your lifestyle and monthly healthcare spending.
Sachin is a professional blogger who believes in “Human-First” content. He specializes in breaking down complicated tech and finance topics into simple, actionable steps. His goal is to empower users with the right knowledge to make smarter digital decisions.