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YES Bank Wellness Credit Card

YES Bank Wellness credit card comes with plenty of health & fitness benefits and rewards on chemists/pharmaceutical purchases. The health and wellness benefits are offered in partnership with Aditya Birla Wellness Pvt Ltd.

The card comes with a joining fee of Rs 749 and same annual fee with no spend-based waiver but makes up for it with free health check-ups, free fitness sessions and unlimited consultations through AB Multiply app.

YES Bank Wellness credit card

YES Bank Wellness Credit Card Overview

Card CategoryHealth & Wellness, Rewards
Joining FeeRs 749 + taxes
Annual FeeRs 749 + taxes
Welcome OfferFree Amazon voucher worth Rs 500 on spending Rs 1,000 within first 30 days
Best Features– Free health check-ups, unlimited consultations, and fitness sessions
– 20X reward points on Chemists/Pharmaceuticals purchases

Details from YES Bank

  • SPECIAL OFFER when you apply online. Get Rs 500 worth free Amazon voucher when you spend Rs 1,000 within first 30 days.
  • 3.80% per month (45.60% annually)* on Revolving Credit, Cash Advances and Overdue Amount.
  • First Year Membership Fee of Rs 749+ taxes, and Renewal Membership Fee of Rs 749+ taxes
  • Enjoy complimentary health check-up, accelerated reward points on Chemist& Pharmaceutical stores, complimentary fitness sessions and 24* consultations with doctors.
  • Up to 20X reward points on every Rs 200 spent on chemists/pharmaceutical stores, and 4X reward points on other other categories.
  • Insurance coverage with credit shield cover on accidental death of primary cardholder.
  • Cities Covered: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
  • Terms and conditions apply.

Fees and Charges

Joining Fee

Rs 749 + taxes

Annual Fee

Rs 749 + taxes.

Finance Charges

3.80% per month (45.60% annually) on Revolving Credit.

Foreign Transaction Fee

3.5% of the transaction value.

Cash Advance Fee

2.5% or Rs 500, whichever is higher.

Reward Redemption Fee

Rs 100 per request.

Late Payment Fee

Less than Rs 100 – Nil
Rs 101-Rs 500 – Rs 100
Rs 501-Rs 5,000- Rs 500
Rs 5,001-Rs 20,000- Rs 750
Over Rs 20,000- Rs 1,000.

Over Limit Penalty

2.5% of the overlimit amount or Rs 500 (whichever is higher)

Rent Transaction Fee

Minimum 1% of the transaction value.

Add-on Card fee


Note: GST as applicable on fees and charges. See full details here at YES Bank’s website.

YES Bank Wellness Credit Card Benefits & Features

Health & Fitness Benefits

YES Bank Wellness credit cardholders can avail the offers through AB Multiply app by Aditya Birla Wellness Pvt Ltd.

  • Annual preventive health check-up for up to 25 parameters
  • Annual Eye & Dental Check-up
  • Unlimited consultation with General Practitioner, Specialist & Nutritionist through Aditya Birla Multiply App
  • 6 complimentary fitness sessions (Gym, Yoga, Zumba, etc.) per month

Rewards Program

The Wellness card gives you accelerated reward points on spending in select categories.

  • 20 reward points on every Rs 200 spent on chemists and pharmaceutical stores.
  • 4 reward points on every Rs 200 spent on other categories (retail purchases only, excluding fuel transactions, cash advance, and EMIs).

Rewards Redemption

  • The YES Rewards Points can be redeemed for purchases against various products and vouchers for flights & hotels, gifts, Air Miles (Club Vistara & InterMiles) and rewards catalog.
  • The value of 1 reward point differs for each category. For example, the value of 1 reward point to redeem against flights & hotels is Rs 0.25 (25 paisa) whereas it’s 10 paisa for gift vouchers. For Air Miles, 10 reward points are worth 1 Mile.
  • Check YES Bank Rewards portal for the rewards value and catalog.

Insurance Benefits

The YES Bank Wellness credit card comes with a credit shield cover in case of the accidental death of the primary cardmember.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver on fuel transactions valued between Rs 400 to Rs 5,000 across all fuel stations in India when you pay using YES Wellness credit card. The maximum limit of surcharge waiver per month is Rs 250.

Dining Offers

The Wellness card offers the same benefits on dining as other credit cards from YES Bank. You can avail a discount of 15-25% on select partner restaurants. Check YES Bank’s Dining Fiesta program for offers.

EMIs and Quick Loan

  • Convert transactions above Rs 2,500 into EMIs
  • Get a quick loan within the card limit.

Should You Get YES Bank Wellness Credit Card?

There are few credit cards catering especially in the health & wellness segment, and amidst them sits the YES Bank Wellness card.

Consider if:

  • You want the free health check-ups, free consultations and fitness sessions
  • You want something out of your spends on chemists/pharmaceuticals
  • You are fine with the choice of health institutions and outlets offered through AB Multiply app.

Avoid if:

  • You want cashback or benefits in other categories
  • You want a card for everyday spends

As the name suggests, it’s a credit card curated for health and wellness benefits. Other than that, there is not much to justify the fees.

If you want a wider net for your spends and returns, take a look at the other credit cards from YES Bank:

  • YES Bank BYOC card: A customizable credit card with choice of subscription plans, offers 1% cashback Or 8X reward points and complimentary lounge access.
  • YES Select credit card: Entry-level card with Rs 399 joining & annual fees, 2-8X reward points with lounge access and insurance coverage.
  • YES Ace credit card: Entry-level card with Rs 399 joining & annual fees, and 2-8X rewards.
  • YES Elite credit card: Premium level card (one step down from Reserv) with Rs 999 joining & annual fees, 4-12X rewards and lounge access.
  • YES Reserv credit card: Premium level card (formerly First Exclusive) with Rs 1,999 joining/annual fee, 24X accelerated rewards, 12 domestic & 6 international lounge visits per year, insurance and more.

How to Apply For YES Bank Wellness Credit Card?

Best way is to apply online through YES Bank’s official website so that you can get the Rs 500 worth Amazon voucher.


  • Between 21 and 60 years of age
  • Salaried or Self-employed individuals
  • Minimum net salary of INR 20,000 per month or Income Tax Return of INR 7.5 lakh and above

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