HomeCredit CardsYES Bank Wellness Plus Credit Card
YES Bank Wellness Plus Credit Card

Yes Bank

YES Bank Wellness Plus Credit Card

mastercardclassiccredittravelwellness

Annual Fee

₹1,769₹1,499 + GST

Base Reward

6% points

Foreign Markup

3.5% on all international spends.

Apply Now
4.1/5
VerifiedLast updated 26 May 2026

Product Highlights

  • 12 complimentary fitness sessions every month
  • Complimentary preventive health checkups through the app

Category Rewards

Specialty

Pharmacy / Chemist 30X

30X

Specialty

Pharmacy / Chemist 30X

30X

Reward Calculator

Earns ₹31/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹13K

across all your buckets

Points / yr

9K

YES Rewardz

Best worth

₹1.8K

via standard · ₹0.2/pt

Effective rate

1.15%

Annual fee

₹1,769

Year 1 net

+₹31

Year 2+ net

+₹31

ongoing

Adjust your spend by reward bucket

2 buckets
3.00%Pharmacy / Chemist 30X
₹3,000/mo
Earns 450 yes rewardz / mo≈ ₹90 worth/mo
0.60%All other spends
₹10,000/mo
Earns 300 yes rewardz / mo≈ ₹60 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Excluded from rewards

rent, wallet, fuel, upi, government, cash advance, emi pos conversion

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

You get 30 Reward Points per ₹200 spent on pharmaceutical/chemist stores. You get 6 Reward Points per ₹200 spent on any other purchases. You get 1000 Reward Points on every successful registration on YES PayNow.

Reward Points — Redemption Value
  • The Reward points are redeemable on Yes Rewardz, 1 RP = ₹0.25 when redeeming against hotel and flight bookings, and 1 RP = ₹0.10 for redemption against product catalogue, gift vouchers, etc.

Benefits & Features

Domestic: 8 complimentary access to domestic lounges annually (2 per quarter). Full lounge access description not provided.

Pros & Cons

Pros

  • 30 Reward Points per ₹200 spent on pharmaceutical/chemist stores
  • 6 Reward Points per ₹200 spent on other purchases
  • 1000 Reward Points on YES PayNow successful registrations

Cons

  • No annual fee waiver
  • Joining fee of ₹1,499 + GST

Additional Info

Available only in select cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, Navi Mumbai.

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹1,499
Joining Fee₹1,499 + GST
Foreign Markup3.5% on all international spends.
Interest Rate3.80% per month (45.60% annually)
Cash Advance2.5% of the amount withdrawn or ₹300 (whichever is higher).
Redemption Fee₹100

Eligibility

Min Age

21 yrs

Salaried

₹0.2L+

Networks

visamastercardrupay