Health rewards credit cards in India: A review
By Vaibhav Aggarwal
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HDFC Health Plus Credit Card

This health reward credit card from HDFC comes with a free cashless Mediclaim cover of Rs.50,000 plus a critical illness cover of Rs.1.5 lakhs. The critical illness cover includes open heart surgery, cancer, kidney failure and vascular stroke. You can avail cashless mediclaim facility at any of more than 3000 networked hospitals of the Third Party Administrator (TPA) across the country. HDFC has a tie-up with TTK Health care services for this purpose. The hospitalization benefits viz. the Rs. 50,000 Mediclaim and the critical illness cover of Rs.1.5 lakhs can be extended to 2 add-on card holders and thus can be used to cover your near and dear ones also. The add-on cardholders can also avail the discounts at participating hospitals.

Every Rs. 150 spent on this credit card earn you 1 reward point, which can be redeemed for exciting gifts and offers from the credit card provider. The credit card holders can also avail a 30 percent cash back on all domestic airline ticket bookings on up to 25 December 2007. This cash back offer is valid on a maximum base fare of Rs.3500.

The HDFC Health Plus credit card has an interest rate of 2.95 percent per month. A joining fee of Rs.300 and an annual fee of Rs.700 is charged on this credit card.

Health reward credit cards are a great way to put that plastic pay for your healthcare needs. However, as it with all other reward credit cards, the terms and conditions, especially pertaining to the reward programs, their eligibility, limitations, preferred partners and way the rewards can be redeemed should be given special attention and all the facts should be clarified before you start using the credit card. As the variety of offerings increase with increasing competition, we should expect a number of banks coming up with more health and fitness related credit cards.

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