Top 7 Health and Wellness Credit Cards in 2026

Health and wellness credit cards offer up to 10x reward points on chemist and pharmaceutical purchases. Applying for one such card can help you reduce your medical expenses every year to save more. Discover the top 7 credit cards for the health and fitness category here, including the credit card specially designed for women, and plan your medical purchase strategically. 

Key Highlights

• The joining fee for health and wellness credit cards ranges between ₹499 and ₹2,499.
• You can earn up to 10 reward points on every ₹100 spent on such cards.
• Selected health and wellness credit cards offer up to 12 free fitness sessions.

List of Health and Wellness Credit Cards in India

The health and wellness credit cards offered by SBI, YES Bank, BOB and Axis Bank provide discounts at Apollo, FITPASS Pro and other partnered health and fitness brands. Here are the health and wellness benefits for the top 7 cards:

YES Bank Wellness Credit Card

You can avail an annual preventive health check-up for 26 parameters. The card further offers free eye and dental check-ups, followed by unlimited consultations with general physicians. 

You can use the bank app to consult specialists and nutritionists. On chemist and pharmaceutical spends, you can earn 20 reward points for every ₹200 spent using the card.

• Joining Fee: ₹499 if issued after 28th August 2024; ₹749 if issued between 1st July 2022 and 28th August 2024
• Annual Fee: ₹499 for cards issued after 28th August 2024; ₹749 for cards issued between 1st July 2022 and 28th August 2024

Axis Bank Aura Credit Card

With the Axis Bank Aura Credit Card, you can enjoy 4 complimentary video consultations via Practo per month. Using Fitternity, you can avail 4 free fitness sessions every month. 

The card additionally offers up to ₹500 annual discount on health check-ups. Moreover, you can get a 30% discount on diet or nutritional consultations with popular practitioners. 

• Joining Fee: ₹749
• Annual Fee: ₹749

Apollo SBI Card Select

Once you pay the joining fee, you will get an Apollo 24|7 e-gift voucher worth ₹1,500. Further, after your first retail transaction and payment of the joining fee, you can enjoy a 1-year complimentary membership for FITPASS PRO. 

On spending ₹50,00 within the first 90 days from joining, you can enjoy a complimentary health check-up. Moreover, if you spend ₹50,000 within the first 90 days after your card anniversary, you can avail an additional complimentary health check-up.

You can earn 10 reward points on every ₹100 spent at Apollo 24|7 and Apollo pharmacy.

• Joining Fee: ₹1,499
• Annual Fee: ₹1,499; reversed on spending ₹3 lakh in the previous year

YES Bank Wellness Plus Credit Card

You can get a complimentary annual preventive health check-up on 31 parameters. Further, the card offers an annual eye and dental check-up with unlimited consultation benefits with general practitioners. 

You can access nutritionists and specialists using the app, followed by 12 complimentary fitness sessions per month. The fitness sessions include Zumba, Yoga and others. You can earn 30 reward points on every ₹200 spent on pharmaceutical and chemist shops with this card.

• Joining Fee: ₹1,499
• Annual Fee: ₹1,499

SBI Card Pulse

The card offers a 1-year complimentary membership to FITPASS PRO, renewable annually. You can additionally enjoy a 1-year complimentary membership to Netmeds First every year by paying the annual fee.

With this card, you can earn 10 reward points on every ₹100 spent at pharmacies and chemist shops. The value of 4 reward points is equivalent to ₹1.

• Joining Fee: ₹1,499
• Annual Fee:  ₹1,499; reversed if you spend at least ₹2 lakh in the preceding year

Doctor’s Indian Medical Association (IMA) SBI Card

Usually, the card offers 1 reward point for every ₹100 spent on non-medical categories. However, you can earn 5x reward points on medical supplies. 

Moreover, if you use the card on Doctor's Day, which is 1st July, you can earn additional reward points in all categories. You can earn up to 7,500 reward points every month with this card. 

• Joining Fee: ₹1,499
• Annual Fee: ₹1,499; reversed on spending at least ₹2 lakh in the previous anniversary year

BOB Tiara Credit Card

The Bank of Baroda (BOB) Tiara Credit Card is specially designed for women, offering health and fitness benefits. If you are a woman, you can get complimentary health check-up packages including blood test, Pap Smear and mammography packages.

You can avail health check-up packages at SRL/Agilus Diagnostics for CBC, FBS, ESR, Creatinine, Lipid profile, SGPT, T3, T4, TSH and Serum Calcium. The card additionally offers a complimentary 6-month membership to FITPASS Pro. 

• Joining Fee: ₹2,499; waived off on spending ₹25,000 within the first 60 days of card issuance
• Annual Fee: ₹2,499; waived off if you spend ₹2.5 lakh in the previous anniversary year

Final Word

Usually, banks ask for a minimum credit score to approve health and wellness credit cards. Ensure you maintain a high credit score and check the eligibility criteria to avoid application rejection.

However, if you want a credit card without a credit score and income proof, you can check out the secured credit card against a fixed deposit with Stable Money. It is a co-branded credit card by Suryoday Small Finance Bank that helps you earn cash back up to ₹3,000 per month (0.5% of transaction value).

Download the Stable Money app now to apply for the secured credit card!