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Anoushka Pinto
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Your Path to Wellness: Discover Credit Cards In India That Cover Medical Costs
These innovative cards go beyond transactions, providing coverage for medical emergencies, health check-ups, and online consultations. With perks and rewards, and coverage for air accidental death, these cards redefine how your finances can contribute to your overall wellness.
Your Path to Wellness: Discover Credit Cards In India That Cover Medical Costs
These innovative cards go beyond transactions, providing coverage for medical emergencies, health check-ups, and online consultations. With perks and rewards, and coverage for air accidental death, these cards redefine how your finances can contribute to your overall wellness.
Published on: 6 March, 2023
In today’s rapidly evolving financial landscape, credit cards are no longer just a means of making purchases; they have evolved into powerful tools offering a wide range of benefits. From medical insurance to wellness benefits, these cards now provide cardholders with added financial security and peace of mind.
This article explores a comprehensive list of credit cards available in India that go beyond conventional rewards to offer valuable health insurance cover and wellness benefits, effectively combining convenience with crucial healthcare protection.
Credit cards providing medical insurance coverage
RBL Bank Credit Card by RBL Bank
Description
Joining fee
Features
Additional information
Eligibility criteria
How to apply
Know more
Description
Aiming to provide enhanced financial security and well-being to its credit card members, RBL Bank offers personalised health insurance plans in collaboration with Niva Bupa Health Insurance Company Ltd (formerly Max Bupa). This partnership ensures that RBL Bank credit cardholders can access tailored health coverage solutions, reinforcing their peace of mind and protection against unforeseen medical expenses.
Joining fee
Joining and annual fee: NIL
Features
- Receive health coverage of up to ₹10 lakhs, with the flexibility to pick from sum insured options, starting at ₹3 lakhs.
- This plan includes cashless hospitalisation claims up to the chosen sum insured, covering all medical expenses during hospitalisation.
- The premium also includes coverage for pre-hospitalization (30 days before) and post-hospitalization (60 days after) medical expenses.
- Additionally, ambulance expenses are covered within the set limit.
- The premium accounts for expenses related to domiciliary treatment (medical care at home).
Additional information
- The RBL Mastercard credit card is accepted globally and at over 100,000 establishments in India and Nepal.
- Access cashless services at a wide range of network hospitals.
- Medical treatment within the initial 30 days won’t be covered, except for accident-related cases during the policy term. This waiting period doesn’t apply to policy annuals.
- Benefits for pre-existing diseases will be accessible after 48 months of uninterrupted coverage from the initial policy commencement.
- Certain conditions will have a 24-month waiting period and will be covered starting from the third policy year.
Eligibility criteria
- The individual applying must either be the primary cardholder or a family member of the primary cardholder at RBL Bank.
- The eligibility age range is 18 to 65 years for adults and 91 days to 21 years for covered children.
- Annual income should fall within the range of ₹1 lakh to ₹3 lakhs.
- Applicants must be employed and provide valid employment documentation, proof of identity and proof of address.
How to apply
To apply for the credit card, visit the bank’s website, click on the “Apply” option in the credit card section, provide the necessary details, and submit. Your application will be swiftly processed by the bank within a few days.
Know more
Go to website.
Credit cards providing medical benefits
Apollo SBI Credit Card by State Bank of India
Description
Joining fee
Features
Eligibility criteria
How to apply
Know more
Description
Launched in collaboration with Apollo Hospital, the Apollo SBI Credit Card provides instant discounts on designated Apollo services and grants additional rewards for every transaction made at Apollo hospitals.
Joining fee
Joining and annual fee: ₹499 + GST
Features
- With this credit card, users can also avail up to 10% direct discount on select Apollo Services.
- Cardholders of the Apollo SBI Card are granted a complimentary Silver Tier Membership, entitling them to a range of benefits. These include receiving 1% of the bill amount as Health Credits (HC) at Apollo Centers, 5% discount on non-pharmaceutical products, and 10% off on pharmaceutical products and Apollo-branded products.
- Spend at least ₹90,000 in a year, and the Apollo SBI Card will offer the benefit of having your membership fee reversed from the second year onward.
- Redeem your accumulated reward points for Apollo vouchers.
Eligibility criteria
- Applicant must hail from any of the serviceable cities mentioned
- Applicants must be employed and provide valid employment documentation, proof of identity and proof of address.
How to apply
To apply for the credit card, visit SBI’s official website or visit the nearest branch.
Silver Tier is the basic membership accessible while registering through OneApollo Websites, AskApollo App or by walking into any Apollo Pharmacy Store.
Know more
Go to website.
Credit cards providing health and wellness benefits
1. Union JCB Health Credit Card by Union Bank
Description
Joining fee
Features
Additional information
Eligibility criteria
How to apply
Know more
Description
The Union JCB Health card is tailored to address medical needs, healthcare products, home, and lifestyle expenses. With annual benefits totaling ₹22,000, it covers a range of services and offers complimentary online medical consultations, health check-ups, wellness services, and more to cater to diverse needs.
Joining fee
Joining and annual fee: ₹499
Features
- The Union JCB Health Card offers a range of health and medical services, including teleconsultation with e-prescription, access to psychologists, diagnostic packages, and medicine doorstep delivery.
- Benefit from free personal accident insurance coverage of up to ₹10 lakh in case of loss of life.
Additional information
- You can also use UPI payments on the BHIM app with this card for hassle-free merchant payments (P2M) through QR scans or online transactions.
- Enjoy an interest-free credit period of 21 to 50 days for your purchases and conveniently manage your payments.
- By spending a minimum of ₹50,000 in a year, the Union JCB Health card offers the advantage of having your membership fee reversed starting from the second year.
Eligibility criteria
- Credit cards are primarily issued to customers, with selective availability for non-customers.
- The primary cardholder’s age should range from 18 to 60 years for salaried individuals and 18 to 65 years for professionals.
- Add-on cardholders must be 18 years or older.
- The income eligibility stands at ₹7.5 lakh per annum.
- Business class applicants need to provide 2 years of Income Tax Returns (ITR) with computation sheets, while salaried individuals should submit Form 16 or ITRs along with the latest salary slip.
- Cards can also be issued against a lien on a Fixed Deposit with a 25% margin, without requiring income proof or a scoring model.
How to apply
To apply for the credit card, visit Union Bank’s website, click on the “Apply”, provide necessary details, and submit.
Know more
Go to website.
2. Axis Bank AURA Credit Card by Axis Bank
Description
Joining fee
Features
Eligibility criteria
How to apply
Know more
Description
The Axis Bank AURA Credit Card is tailored for health and wellness, offering perks such as complimentary doctor consultations, free fitness sessions, and health checkups, among various other advantages linked to your card.
Joining fee
Joining and annual fee: ₹749
Features
- Enjoy 4 complimentary video consultations per month with doctors through Practo.
- Access 4 free interactive fitness sessions monthly via Fitternity, along with 16 pre-recorded sessions.
- Receive an annual ₹500 discount on health checkups.
- Avail discounts on nutritional consultations and foods.
- Get a minimum of 30% off on consultations with nutrition experts and dieticians, as well as nutritional foods.
- Interest rate 3.6% per month
Eligibility criteria
- The main cardholder’s age must range from 18 to 70 years.
- Supplementary cardholders should be at least 15 years old.
- The person should be either an Indian resident or a Non-Resident Indian.
- Applicants must provide valid employment documentation in the form of payslips, Form 16 or ITR copy.
- Proof of identity and proof of address also needs to be submitted.
How to apply
To apply for the credit card, visit Axis Bank’s official website.
Know more
Go to website.
3. YES Bank Wellness Credit Card by YES Bank
Description
Joining fee
Features
Additional Information
Eligibility criteria
How to apply
Know more
Description
YES Bank has introduced the Wellness Credit Card in partnership with Aditya Birla Wellness Pvt. Ltd. It’s one of the two health-focused credit cards launched by YES Bank. This card uniquely emphasises wellness and healthcare benefits, catering to health and medical needs. If you are someone who wants to enjoy benefits on regular health checkups and fitness, this could be a good option.
Joining fee
Joining and annual fee: ₹749
Features
- It offers a free annual health check-up for up to 25 parameters, eye and dental check-ups
- Unlimited consultations with nutritionists, general practitioners, and specialists via the Aditya Birla Multiply App
- 6 free fitness sessions each month.
- Earn up to 20 Reward Points for spending at chemist/pharmaceutical stores and other purchases.
Additional Information
Secure credit shield cover for accidental death of primary cardholder.
Eligibility criteria
- The cardholder’s age must be between 21 to 60 years.
- Income eligibility for salaried professionals is ₹25,000 per month, and for self-employed individuals is ITR of ₹5 lakh and above.
- Serviceable Cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
- Applicants must provide valid employment documentation in the form of payslips, Form 16 or ITR copy.
- Proof of identity and proof of address also needs to be submitted.
How to apply
To apply for the credit card, visit YES Bank’s official website.
Know more
Go to website.
4. YES Bank Wellness Plus Credit Card by YES Bank
Description
Joining fee
Features
Additional Information
Eligibility criteria
How to apply
Know more
Description
The YES Bank Wellness Plus Credit Card focuses on the overall health, self-care, and well-being of its cardholders. This offering is a partnership between YES Bank and Aditya Birla Wellness Private Limited. If you incur frequent medical costs and desire to accumulate rewards on your healthcare-related expenses, this card might be a suitable option for you.
Joining fee
Joining and annual fee: ₹1,499
Features
- Yearly complimentary health check-ups covering up to 31 parameters, along with annual dental and eye examinations.
- Consult with nutritionists, general practitioners, and specialists limitlessly through the app.
- Access 12 free fitness sessions per month, including Gym, Yoga, Zumba, and more.
- Earn up to 30 reward points on your purchases.
Additional Information
- ₹1 crore life insurance cover for death due to flight accidents.
- Obtain a ₹25 lakh medical insurance cover for emergency overseas hospitalisation.
- Secure credit shield cover for accidental death of primary cardholder.
Eligibility criteria
- The cardholder’s age must be between 21 to 60 years.
- Income eligibility for salaried professionals is ₹25,000 per month, and for self-employed individuals is ITR of ₹5 lakh and above.
- Serviceable Cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
- Applicants must provide valid employment documentation in the form of payslips, Form 16 or ITR copy.
- Proof of identity and proof of address also needs to be submitted.
How to apply
To apply for the credit card, visit YES Bank’s official website.
Know more
Go to website.
5. Axis Bank Burgundy Private Credit Card by Axis Bank
Description
Joining fee
Features
Eligibility criteria
Know more
Description
The Axis Bank Burgundy Private Credit Card is designed for high-income individuals and is complimentary for Burgundy Private account holders. This card covers various categories including health and wellness, and rewards.
Joining fee
Joining and annual Fee: NIL
Features
- You can earn 15 Reward Points for every ₹200 spent, providing savings of 1.5% on each transaction.
- It offers exclusive rewards and benefits, including a welcoming bonus of 30,000 Reward Points
Diagnoses at leading medical institutions:
Exclusive discounts are offered to customers at designated preventive healthcare and pathology test centres.
- For SRL Diagnostics:
- Priority appointments are available at all centers with 1-2 days’ notice from Monday to Saturday.
- 20% discount on all pathology tests.
- Receive a 10% discount on all radiology tests
- Benefit from up to a 50% discount on SRL Packages.
- At Dr. Lal Pathlabs: Avail a special 20% discount on the MRP of pathological investigations.
- For Metropolis: Enjoy a flat 15% discount on in-house pathology tests across all Metropolis centres.
Global Medical Assistance:
- Every primary cardholder of the Burgundy Private Credit Card receives Global Medical Assistance while travelling abroad or away from their regular residence for up to 90 consecutive days per trip.
- These services are offered through Axis Bank’s Concierge program on a referral or arrangement basis.
Health and wellness coaching services by Weliji:
Axis Bank Burgundy Private credit cardholders receive a 25% discount on all health and wellness coaching plans and the first complimentary information session through Weliji.
- This offer remains valid as long as the card is active.
- Services encompass weight management, stress management, diabetes care, healthy heart, and smoking cessation.
- It offers exclusive rewards and benefits, including a welcoming bonus of 30,000 Reward Points
Eligibility criteria
- The primary cardholder can enjoy these as complimentary services as long as they hold an active Burgundy Private Credit Card.
- In the event of discontinuation of the Burgundy Private status, annual fee of Rs. 50,000 + taxes shall be levied.
Know more
Go to website.
Credit cards providing coverage on overseas hospitalisation costs
1.Standard Chartered Priority VISA Infinite Credit Card by Standard Chartered
Description
Joining fee
Features
Additional Information
Eligibility criteria
How to apply
Know more
Description
The Standard Chartered Visa Infinite Credit Card is a premium offering available exclusively to the bank’s priority banking clients. In addition to distinctive advantages and special privileges, the card offers complimentary travel and medical insurance coverage during international travel.
Joining fee
Joining and annual fee: NIL
Features
- The privileges of the Priority Visa Infinite credit card are provided as complimentary benefits for Priority Banking clients.
- Clients can avail themselves of the added protection with complimentary overseas air accident cover amounting to ₹1 crore and medical insurance during international travel worth $25,000.
- For the Standard Chartered Visa Infinite Credit Card, the monthly interest rate of 3.75% pm is annualised to establish an annualised percentage rate of 45.00%.
Additional Information
- You can extend the benefits of your credit card to family members through lifetime free supplementary cards.
- The card offers contactless functionality and heightened security for online transactions.
- It also provides a diverse array of instant payment solutions such as BharatQR, Bharat Bill Payment Solution, and Samsung Pay, along with the convenience of online banking.
Eligibility criteria
- Applicant’s age should be between 21 and 65 years.
- Applicant should have a stable monthly income.
- Applicant should belong to credit cards servicing cities / locations of the bank.
- All applications are subject to credit and other policy checks of the bank.
- Applicants must be employed and provide valid employment documentation, proof of identity and proof of address.
How to apply
To apply for the credit card, visit Standard Chartered’s official website or approach the nearest branch.
Know more
Go to website.
2. HDFC Bank Regalia Credit Card by HDFC Bank
Description
Joining fee
Features
Eligibility criteria
How to apply
Know more
Description
The HDFC Bank Regalia Credit Card is a premium all-in-one credit card offering upgraded features and advantages. One standout benefit is its extensive protection feature. Users of the Regalia Credit Card receive insurance coverage for air accidental death and emergency medical situations abroad.
Joining fee
Joining and annual fee: ₹2,500
Features
- For overseas medical emergencies, coverage up to ₹15 lakhs can be claimed.
- If there’s an accidental air death, the cardholder’s nominee can receive a compensation of ₹1 crore.
- With the HDFC Regalia Credit Card, reaching spending milestones can earn you a bonus of up to 15,000 reward points
Eligibility criteria
- Applicant should be salaried or self-employed
- Minimum income:
Salaried applicants – ₹1 lakh p.m.
Self-employed applicants – ITR of ₹12 lakh and above
- Applicants should belong to credit cards servicing cities / locations of the bank.
- Applicants must be employed and provide valid proof of income, proof of identity and proof of address.
How to apply
To apply for the credit card, visit HDFC Bank’s official website or approach the nearest branch.
Know more
Go to website.
Please note: It’s crucial to review the terms and conditions of each credit card and contact the respective credit card issuer for the most up-to-date information on the insurance benefits offered. Additionally, always ensure you understand the coverage limits, exclusions, and claim procedures before using any insurance benefits associated with your credit card.
This article is for informational purposes only. Milaap does not endorse or promote any of the financial services mentioned. Proceed at your own risk and exercise caution. It is advisable to conduct thorough research and seek advice from financial professionals before making any decisions. Milaap is not liable for any losses or damages resulting from the use of this information.
In today’s rapidly evolving financial landscape, credit cards are no longer just a means of making purchases; they have evolved into powerful tools offering a wide range of benefits. From medical insurance to wellness benefits, these cards now provide cardholders with added financial security and peace of mind.
This article explores a comprehensive list of credit cards available in India that go beyond conventional rewards to offer valuable health insurance cover and wellness benefits, effectively combining convenience with crucial healthcare protection.
Credit cards providing medical insurance coverage
RBL Bank Credit Card by RBL Bank
Description
Joining fee
Features
Additional information
Eligibility criteria
How to apply
Know more
Description
Aiming to provide enhanced financial security and well-being to its credit card members, RBL Bank offers personalised health insurance plans in collaboration with Niva Bupa Health Insurance Company Ltd (formerly Max Bupa). This partnership ensures that RBL Bank credit cardholders can access tailored health coverage solutions, reinforcing their peace of mind and protection against unforeseen medical expenses.
Joining fee
Joining and annual fee: NIL
Features
- Receive health coverage of up to ₹10 lakhs, with the flexibility to pick from sum insured options, starting at ₹3 lakhs.
- This plan includes cashless hospitalisation claims up to the chosen sum insured, covering all medical expenses during hospitalisation.
- The premium also includes coverage for pre-hospitalization (30 days before) and post-hospitalization (60 days after) medical expenses.
- Additionally, ambulance expenses are covered within the set limit.
- The premium accounts for expenses related to domiciliary treatment (medical care at home).
Additional information
- The RBL Mastercard credit card is accepted globally and at over 100,000 establishments in India and Nepal.
- Access cashless services at a wide range of network hospitals.
- Medical treatment within the initial 30 days won’t be covered, except for accident-related cases during the policy term. This waiting period doesn’t apply to policy annuals.
- Benefits for pre-existing diseases will be accessible after 48 months of uninterrupted coverage from the initial policy commencement.
- Certain conditions will have a 24-month waiting period and will be covered starting from the third policy year.
Eligibility criteria
- The individual applying must either be the primary cardholder or a family member of the primary cardholder at RBL Bank.
- The eligibility age range is 18 to 65 years for adults and 91 days to 21 years for covered children.
- Annual income should fall within the range of ₹1 lakh to ₹3 lakhs.
- Applicants must be employed and provide valid employment documentation, proof of identity and proof of address.
How to apply
To apply for the credit card, visit the bank’s website, click on the “Apply” option in the credit card section, provide the necessary details, and submit. Your application will be swiftly processed by the bank within a few days.
Know more
Go to website.
Credit cards providing medical benefits
Apollo SBI Credit Card by State Bank of India
Description
Joining fee
Features
Eligibility criteria
How to apply
Know more
Description
Launched in collaboration with Apollo Hospital, the Apollo SBI Credit Card provides instant discounts on designated Apollo services and grants additional rewards for every transaction made at Apollo hospitals.
Joining fee
Joining and annual fee: ₹499 + GST
Features
- With this credit card, users can also avail up to 10% direct discount on select Apollo Services.
- Cardholders of the Apollo SBI Card are granted a complimentary Silver Tier Membership, entitling them to a range of benefits. These include receiving 1% of the bill amount as Health Credits (HC) at Apollo Centers, 5% discount on non-pharmaceutical products, and 10% off on pharmaceutical products and Apollo-branded products.
- Spend at least ₹90,000 in a year, and the Apollo SBI Card will offer the benefit of having your membership fee reversed from the second year onward.
- Redeem your accumulated reward points for Apollo vouchers.
Eligibility criteria
- Applicant must hail from any of the serviceable cities mentioned
- Applicants must be employed and provide valid employment documentation, proof of identity and proof of address.
How to apply
To apply for the credit card, visit SBI’s official website or visit the nearest branch.
Silver Tier is the basic membership accessible while registering through OneApollo Websites, AskApollo App or by walking into any Apollo Pharmacy Store.
Know more
Go to website.
Credit cards providing health and wellness benefits
1. Union JCB Health Credit Card by Union Bank
Description
Joining fee
Features
Additional information
Eligibility criteria
How to apply
Know more
Description
The Union JCB Health card is tailored to address medical needs, healthcare products, home, and lifestyle expenses. With annual benefits totaling ₹22,000, it covers a range of services and offers complimentary online medical consultations, health check-ups, wellness services, and more to cater to diverse needs.
Joining fee
Joining and annual fee: ₹499
Features
- The Union JCB Health Card offers a range of health and medical services, including teleconsultation with e-prescription, access to psychologists, diagnostic packages, and medicine doorstep delivery.
- Benefit from free personal accident insurance coverage of up to ₹10 lakh in case of loss of life.
Additional information
- You can also use UPI payments on the BHIM app with this card for hassle-free merchant payments (P2M) through QR scans or online transactions.
- Enjoy an interest-free credit period of 21 to 50 days for your purchases and conveniently manage your payments.
- By spending a minimum of ₹50,000 in a year, the Union JCB Health card offers the advantage of having your membership fee reversed starting from the second year.
Eligibility criteria
- Credit cards are primarily issued to customers, with selective availability for non-customers.
- The primary cardholder’s age should range from 18 to 60 years for salaried individuals and 18 to 65 years for professionals.
- Add-on cardholders must be 18 years or older.
- The income eligibility stands at ₹7.5 lakh per annum.
- Business class applicants need to provide 2 years of Income Tax Returns (ITR) with computation sheets, while salaried individuals should submit Form 16 or ITRs along with the latest salary slip.
- Cards can also be issued against a lien on a Fixed Deposit with a 25% margin, without requiring income proof or a scoring model.
How to apply
To apply for the credit card, visit Union Bank’s website, click on the “Apply”, provide necessary details, and submit.
Know more
Go to website.
2. Axis Bank AURA Credit Card by Axis Bank
Description
Joining fee
Features
Eligibility criteria
How to apply
Know more
Description
The Axis Bank AURA Credit Card is tailored for health and wellness, offering perks such as complimentary doctor consultations, free fitness sessions, and health checkups, among various other advantages linked to your card.
Joining fee
Joining and annual fee: ₹749
Features
- Enjoy 4 complimentary video consultations per month with doctors through Practo.
- Access 4 free interactive fitness sessions monthly via Fitternity, along with 16 pre-recorded sessions.
- Receive an annual ₹500 discount on health checkups.
- Avail discounts on nutritional consultations and foods.
- Get a minimum of 30% off on consultations with nutrition experts and dieticians, as well as nutritional foods.
- Interest rate 3.6% per month
Eligibility criteria
- The main cardholder’s age must range from 18 to 70 years.
- Supplementary cardholders should be at least 15 years old.
- The person should be either an Indian resident or a Non-Resident Indian.
- Applicants must provide valid employment documentation in the form of payslips, Form 16 or ITR copy.
- Proof of identity and proof of address also needs to be submitted.
How to apply
To apply for the credit card, visit Axis Bank’s official website.
Know more
Go to website.
3. YES Bank Wellness Credit Card by YES Bank
Description
Joining fee
Features
Additional Information
Eligibility criteria
How to apply
Know more
Description
YES Bank has introduced the Wellness Credit Card in partnership with Aditya Birla Wellness Pvt. Ltd. It’s one of the two health-focused credit cards launched by YES Bank. This card uniquely emphasises wellness and healthcare benefits, catering to health and medical needs. If you are someone who wants to enjoy benefits on regular health checkups and fitness, this could be a good option.
Joining fee
Joining and annual fee: ₹749
Features
- It offers a free annual health check-up for up to 25 parameters, eye and dental check-ups
- Unlimited consultations with nutritionists, general practitioners, and specialists via the Aditya Birla Multiply App
- 6 free fitness sessions each month.
- Earn up to 20 Reward Points for spending at chemist/pharmaceutical stores and other purchases.
Additional Information
Secure credit shield cover for accidental death of primary cardholder.
Eligibility criteria
- The cardholder’s age must be between 21 to 60 years.
- Income eligibility for salaried professionals is ₹25,000 per month, and for self-employed individuals is ITR of ₹5 lakh and above.
- Serviceable Cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
- Applicants must provide valid employment documentation in the form of payslips, Form 16 or ITR copy.
- Proof of identity and proof of address also needs to be submitted.
How to apply
To apply for the credit card, visit YES Bank’s official website.
Know more
Go to website.
4. YES Bank Wellness Plus Credit Card by YES Bank
Description
Joining fee
Features
Additional Information
Eligibility criteria
How to apply
Know more
Description
The YES Bank Wellness Plus Credit Card focuses on the overall health, self-care, and well-being of its cardholders. This offering is a partnership between YES Bank and Aditya Birla Wellness Private Limited. If you incur frequent medical costs and desire to accumulate rewards on your healthcare-related expenses, this card might be a suitable option for you.
Joining fee
Joining and annual fee: ₹1,499
Features
- Yearly complimentary health check-ups covering up to 31 parameters, along with annual dental and eye examinations.
- Consult with nutritionists, general practitioners, and specialists limitlessly through the app.
- Access 12 free fitness sessions per month, including Gym, Yoga, Zumba, and more.
- Earn up to 30 reward points on your purchases.
Additional Information
- ₹1 crore life insurance cover for death due to flight accidents.
- Obtain a ₹25 lakh medical insurance cover for emergency overseas hospitalisation.
- Secure credit shield cover for accidental death of primary cardholder.
Eligibility criteria
- The cardholder’s age must be between 21 to 60 years.
- Income eligibility for salaried professionals is ₹25,000 per month, and for self-employed individuals is ITR of ₹5 lakh and above.
- Serviceable Cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
- Applicants must provide valid employment documentation in the form of payslips, Form 16 or ITR copy.
- Proof of identity and proof of address also needs to be submitted.
How to apply
To apply for the credit card, visit YES Bank’s official website.
Know more
Go to website.
5. Axis Bank Burgundy Private Credit Card by Axis Bank
Description
Joining fee
Features
Eligibility criteria
Know more
Description
The Axis Bank Burgundy Private Credit Card is designed for high-income individuals and is complimentary for Burgundy Private account holders. This card covers various categories including health and wellness, and rewards.
Joining fee
Joining and annual Fee: NIL
Features
- You can earn 15 Reward Points for every ₹200 spent, providing savings of 1.5% on each transaction.
- It offers exclusive rewards and benefits, including a welcoming bonus of 30,000 Reward Points
Diagnoses at leading medical institutions:
Exclusive discounts are offered to customers at designated preventive healthcare and pathology test centres.
- For SRL Diagnostics:
- Priority appointments are available at all centers with 1-2 days’ notice from Monday to Saturday.
- 20% discount on all pathology tests.
- Receive a 10% discount on all radiology tests
- Benefit from up to a 50% discount on SRL Packages.
- At Dr. Lal Pathlabs: Avail a special 20% discount on the MRP of pathological investigations.
- For Metropolis: Enjoy a flat 15% discount on in-house pathology tests across all Metropolis centres.
Global Medical Assistance:
- Every primary cardholder of the Burgundy Private Credit Card receives Global Medical Assistance while travelling abroad or away from their regular residence for up to 90 consecutive days per trip.
- These services are offered through Axis Bank’s Concierge program on a referral or arrangement basis.
Health and wellness coaching services by Weliji:
Axis Bank Burgundy Private credit cardholders receive a 25% discount on all health and wellness coaching plans and the first complimentary information session through Weliji.
- This offer remains valid as long as the card is active.
- Services encompass weight management, stress management, diabetes care, healthy heart, and smoking cessation.
- It offers exclusive rewards and benefits, including a welcoming bonus of 30,000 Reward Points
Eligibility criteria
- The primary cardholder can enjoy these as complimentary services as long as they hold an active Burgundy Private Credit Card.
- In the event of discontinuation of the Burgundy Private status, annual fee of Rs. 50,000 + taxes shall be levied.
Know more
Go to website.
Credit cards providing coverage on overseas hospitalisation costs
Important: Make sure the destination you’re travelling to is within your credit card’s coverage area. Also, understand the extent of coverage offered. Note that certain cards might not offer ample protection for significant medical conditions.
1.Standard Chartered Priority VISA Infinite Credit Card by Standard Chartered
Description
Joining fee
Features
Additional Information
Eligibility criteria
How to apply
Know more
Description
The Standard Chartered Visa Infinite Credit Card is a premium offering available exclusively to the bank’s priority banking clients. In addition to distinctive advantages and special privileges, the card offers complimentary travel and medical insurance coverage during international travel.
Joining fee
Joining and annual fee: NIL
Features
- The privileges of the Priority Visa Infinite credit card are provided as complimentary benefits for Priority Banking clients.
- Clients can avail themselves of the added protection with complimentary overseas air accident cover amounting to ₹1 crore and medical insurance during international travel worth $25,000.
- For the Standard Chartered Visa Infinite Credit Card, the monthly interest rate of 3.75% pm is annualised to establish an annualised percentage rate of 45.00%.
Additional Information
- You can extend the benefits of your credit card to family members through lifetime free supplementary cards.
- The card offers contactless functionality and heightened security for online transactions.
- It also provides a diverse array of instant payment solutions such as BharatQR, Bharat Bill Payment Solution, and Samsung Pay, along with the convenience of online banking.
Eligibility criteria
- Applicant’s age should be between 21 and 65 years.
- Applicant should have a stable monthly income.
- Applicant should belong to credit cards servicing cities / locations of the bank.
- All applications are subject to credit and other policy checks of the bank.
- Applicants must be employed and provide valid employment documentation, proof of identity and proof of address.
How to apply
To apply for the credit card, visit Standard Chartered’s official website or approach the nearest branch.
Know more
Go to website.
2. HDFC Bank Regalia Credit Card by HDFC Bank
Description
Joining fee
Features
Eligibility criteria
How to apply
Know more
Description
The HDFC Bank Regalia Credit Card is a premium all-in-one credit card offering upgraded features and advantages. One standout benefit is its extensive protection feature. Users of the Regalia Credit Card receive insurance coverage for air accidental death and emergency medical situations abroad.
Joining fee
Joining and annual fee: ₹2,500
Features
- For overseas medical emergencies, coverage up to ₹15 lakhs can be claimed.
- If there’s an accidental air death, the cardholder’s nominee can receive a compensation of ₹1 crore.
- With the HDFC Regalia Credit Card, reaching spending milestones can earn you a bonus of up to 15,000 reward points
Eligibility criteria
- Applicant should be salaried or self-employed
- Minimum income:
Salaried applicants – ₹1 lakh p.m.
Self-employed applicants – ITR of ₹12 lakh and above
- Applicants should belong to credit cards servicing cities / locations of the bank.
- Applicants must be employed and provide valid proof of income, proof of identity and proof of address.
How to apply
To apply for the credit card, visit HDFC Bank’s official website or approach the nearest branch.
Know more
Go to website.
Please note: It’s crucial to review the terms and conditions of each credit card and contact the respective credit card issuer for the most up-to-date information on the insurance benefits offered. Additionally, always ensure you understand the coverage limits, exclusions, and claim procedures before using any insurance benefits associated with your credit card.
This article is for informational purposes only. Milaap does not endorse or promote any of the financial services mentioned. Proceed at your own risk and exercise caution. It is advisable to conduct thorough research and seek advice from financial professionals before making any decisions. Milaap is not liable for any losses or damages resulting from the use of this information.
If you find that you are not eligible to benefit from credit card insurance covers, medical crowdfunding is also an option that is available to you. In times of need, support means everything, and with Milaap, you need not look any further. Milaap enables you to set up a fundraiser for any medical emergency within minutes, and you can easily raise funds for treatment expenses.
Do you know someone who could benefit from fundraising? Simply refer them to us and we’ll be happy to lend a hand.
Visit www.milaap.org or call us on +91 9916174848 to get started now.
For more information, write to us at cx@milaap.org.
If you find that you are not eligible to benefit from credit card insurance covers, medical crowdfunding is also an option that is available to you. In times of need, support means everything, and with Milaap, you need not look any further. Milaap enables you to set up a fundraiser for any medical emergency within minutes, and you can easily raise funds for treatment expenses.
Do you know someone who could benefit from fundraising? Simply refer them to us and we’ll be happy to lend a hand.
Visit www.milaap.org or call us on +91 9916174848 to get started now.
For more information, write to us at cx@milaap.org.
Written by:
Anoushka Pinto
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