Credit Cards with Health Checkups and Medical Perks

Quick Verdict

Very few Indian credit cards give a free health checkup, and most "health cards" are pharmacy-rewards cards. The only one we could confirm from written issuer terms is theApollo SBI Card SELECT, which offers a free ₹1,999 master health checkup if you spend ₹50,000 within 90 days of joining or of each card anniversary. That is the honest answer tocredit card with health benefits, as of November 2026.

We read the terms and were not impressed by the marketing. HDFC Bank's own health and wellness cards page lists "discounts on health check-ups" in general terms and names no card that carries a written check-up term. The free checkup on the Apollo card is real but gated, valid for one member only, and the voucher expires 90 days after it is issued. For a retiree, that gate and the one-member limit matter more than the headline. We did not test any card; this is a document read.

Benchmarksutra Score: Apollo SBI Card SELECT63/100 — C Tier

Apply with SBI:Check SBI credit cards

Which Credit Cards Give Free Health Checkups?

We looked for free-checkup terms on official issuer pages and documents only. Banks often run time-limited offers on diagnostic partners, but an offer with an end date is not a card benefit. We counted a benefit only when it sat in a card's own terms.

Apollo SBI Card SELECT

This is a co-brand between SBI Card and Apollo. SBI's FAQ lists these benefits:

• A complimentary Comprehensive Health Check-up package on spending ₹50,000 within 90 days of joining, and again within 90 days of each card anniversary from the second membership year.

• A ₹1,500 Apollo 24|7 e-gift voucher on paying the joining fee, and a one-year FITPASS PRO membership.

• 10 reward points per ₹100 on the Apollo 24|7 app and stores, 2 per ₹100 on dining, movies and travel, and 1 per ₹200 elsewhere.

• 4 complimentary domestic lounge visits a year (one a quarter) and a two-year Priority Pass membership.

SBI's health checkup terms add details that decide whether you will actually use it. Eligibility is assessed after the 90 days end. Apollo then sends the voucher within 15 working days. The voucher is valid for 90 days, and both booking and test must happen in that window. The package is for one designated member only, booked through the Apollo 24|7 app.

YES Bank Wellness and Wellness Plus

YES Bank's current key fact statement lists both Wellness and Wellness Plus among its cards. A usage guide describes a complimentary annual preventive health checkup with up to 25 parameters, unlimited doctor consultations, 20 reward points per ₹200 at pharmacies and 4 per ₹200 elsewhere. The benefits run through the Aditya Birla Multiply app.

We did not score this card. The guide is undated, we could not read the fee cleanly from the key fact statement, and we could not confirm the card is open to new applicants. Check with YES Bank before you apply.

HDFC Bank and others

HDFC's health and wellness page lists "discounts on health check-ups" and rewards at hospitals, diagnostic centres and pharmacies as general features of such cards. It names no card with a written, free checkup. We found no other bank page with a clear free-checkup term for a credit card.

How Much Does the Apollo Checkup Really Cost You?

The checkup is free only after a spend gate. ₹50,000 in 90 days is about ₹16,700 a month. Here is the first-year picture with 18% GST on the fee.

If you use the voucher and the checkup, year one gives back about ₹3,500 against a fee of about ₹1,770. If you miss the spend gate, you lose the checkup and the card is a niche pharmacy card. Run your own numbers with ourannual fee breakeven calculator.

What Do Rewards Look Like for a Retiree?

Take a pensioner who spends ₹4,000 a month at Apollo pharmacy or diagnostics and ₹13,000 on other things, a total of ₹17,000 a month or ₹51,000 in 90 days. That just clears the checkup gate.

SBI's FAQ says one point equals one Health Credit equals ₹1, and points redeem for Apollo Health Credits only. Rewards on Apollo spends credit on a "best effort" basis from Apollo's merchant list. The cap is 5,000 points per statement cycle in the instore category. ₹5,580 a year looks decent, but it is only worth that if you would spend it at Apollo anyway.

Who Should Consider a Health Card?

Senior citizens and retirees.If you or your spouse already buy medicines and tests at Apollo, the card turns that spend into credits and unlocks a yearly checkup. SBI's issuance policy gives age bands of 21 to 65 for salaried and 25 to 70 for self-employed applicants. It does not mention pensioners, so ask SBI how it treats pension income. The checkup is for one member, so a couple needs two cards or one paid checkup. We found no clear add-on card terms for this variant.

Not worth it for:anyone who shops at other pharmacies or labs, or who will not spend ₹50,000 in 90 days. A cashback card will serve you better. Readis a credit card right for you?andCredit Card 101first if this is your first card.

Insurance is a different benefit. Seecredit card insurance benefits explainedfor what card-linked cover does and does not pay.

Credit Cards with Health Benefits Benchmarksutra Scores

We score cards on a fixed 100-point framework. Seehow we rate Indian credit cards. Tiers are 90 to 100 S, 80 to 89 A, 70 to 79 B, 60 to 69 C, and below 60 "Avoid unless niche use case".

Both scores sit in C Tier because the benefits are narrow and the points have limited use. YES Bank Wellness is unscored for the reasons above.

Hidden Costs and Catches

• Forex markup of 3.5% on SBI cards under the MITC, so do not use this card abroad.

• Reward points convert only to Apollo Health Credits, not cash.

• The checkup voucher expires 90 days after issue. Miss it and the benefit is gone for that year.

• The checkup covers one designated member and must be booked in the Apollo 24|7 app.

• SBI's product page for this card did not load for us, so check it for newer terms.

Checklist

• Confirm you can spend ₹50,000 in 90 days without stretching your budget.

• Check whether your usual pharmacy and lab are Apollo.

• Read SBI's current terms for the card before applying.

• Ask SBI about pension income and add-on cards.

• Set a reminder to book the checkup within 90 days of the voucher.

• Pay the full statement every month so interest never offsets the perks.

Common Mistakes to Avoid

• Assuming the checkup is automatic.It needs the spend gate and an Apollo voucher.

• Buying a card for a benefit with a 90-day expiryand forgetting to book.

• Counting Health Credits as cash.They work only inside Apollo.

• Paying health bills on a card and carrying a balance.At 3.75% a month, the interest wipes out any reward.

• Ignoring health insurance.A card checkup is not a substitute for cover.

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• Getting Your First Credit Card After 60: What to Know

• Credit Card vs Buy Now Pay Later: Which First?

FAQs

Which credit cards give free health checkups or medical benefits?

The clearest written term we found is the Apollo SBI Card SELECT: a free master health checkup worth ₹1,999 on ₹50,000 spend within 90 days of joining or each anniversary. YES Bank's Wellness cards are described with a free annual checkup in an undated guide, so confirm before applying.

Is the health checkup on the Apollo SBI card really free?

It costs nothing to book once you qualify, but you must spend ₹50,000 within 90 days of joining or the card anniversary. Apollo then sends a voucher valid for 90 days, for one member only.

What is the annual fee of the Apollo SBI Card SELECT?

₹1,499 plus GST. SBI reverses the renewal fee if you spend ₹3 lakh in the previous membership year.

Can retirees get the Apollo SBI Card SELECT?

SBI's policy gives age bands of 21 to 65 for salaried and 25 to 70 for self-employed applicants and does not mention pensioners. Ask SBI how it treats pension income.

Can I spend Apollo Health Credits anywhere?

No. SBI's FAQ says Health Credits work within the Apollo ecosystem, including Apollo 24|7, Apollo Diagnostics, Apollo Medical Centres and Apollo Pharmacy.

Does the card work for UPI?

SBI says the RuPay version can be linked to UPI apps; the Mastercard version cannot.

Do HDFC credit cards give free health checkups?

HDFC's health and wellness cards page lists discounts on health check-ups as a general feature but names no card with a free checkup term. Check the specific card's terms.

Official Sources and Editorial Note

Data checked as of: November 2026

Apollo SBI Credit Card SELECT FAQ
Apollo SBI Card SELECT FAQ (PDF)

Master Health Checkup and FITPASS PRO terms
SBI Card health checkup terms (PDF)

SBI Card Most Important Terms and Conditions
SBI Card MITC (PDF)

SBI Card issuance and conduct policy
SBI Card issuance policy (PDF)

YES Bank Wellness usage guide and key fact statement
YES Bank Wellness usage guide (PDF)·YES Bank key fact statement (PDF)

HDFC Bank health and wellness credit cards
https://www.hdfc.bank.in/ps/credit-cards-in-india/health-and-wellness-credit-card-offers

This article is written from official sources and does not rely on third-party wording.

Editorial note:We are researchers, not testers. SBI's product page for this card did not render, so benefits come from SBI's FAQ and checkup terms, which are undated. Fees, partners and benefits can change; check the bank's current terms. Rupee figures for GST use 18%.

Related reading:How to compare credit cards in India

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