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YES Bank Wellness Plus Credit Card

YES Bank Wellness Plus credit card is a superior offering among YES Bank’s own Wellness themed cards. Wellness Plus card comes with twice the fees but also almost twice the rewards and benefits. The card gives you free health check-ups, free fitness sessions, and unlimited consultations along with complimentary domestic airport lounge access. But the card’s best benefit comes in terms of a 30X reward points on chemists and pharmaceuticals spends. But does the benefits and rewards justify the card’s high fees? let’s review.

YES Bank wellness plus credit card

YES Bank Wellness Plus Credit Card Overview

Card CategoryHealth & Wellness, Rewards
Joining FeeRs 1499 + taxes
Annual FeeRs 1499 + taxes
Welcome OfferGet a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days.
Best Features– Free health check-ups, unlimited consultations, and fitness sessions
– 20X reward points on Chemists/Pharmaceuticals purchases
– 2 complimentary domestic airport lounge access per quarter

Details from YES Bank

  • SPECIAL OFFER when you apply online. Get a free Amazon voucher worth Rs 500 on spending Rs 1,000 within first 30 days.
  • The health and fitness offers are availed through AB Multiply app from Aditya Birla Wellness Pvt Ltd.
  • First year membership fee of Rs 1,499 + taxes and renewal fee of Rs 1,499 + taxes.
  • 3.80% finance charges per month (45.60% annually) on Revolving Credit, Cash Advances and Overdue Amount.
  • Enjoy annual preventive Health Check-up (31 parameters), Annual Eye & Dental Check-up, Unlimited consultation with General Practitioner, Specialist & Nutritionist through AB Multiply App.
  • 12 complimentary fitness sessions (Gym, Yoga, Zumba, etc.) per month
  • Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 30 + Lounges in India.
  • 30 reward points on every Rs 200 spent on Chemists/Pharmaceutical stores, and 6 reward points on every Rs 200 spent on other categories.
  • Credit shield cover on accidental death of primary cardholder.
  • Dedicated redemption website for flight/hotel/movie ticket booking with an exclusive catalogue of products.
  • Only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
  • Terms and conditions apply.

Fee and Charges

Joining Fee

Rs 1,499 + taxes

Annual Fee

Rs 1,499 + 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

Nil

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

YES Bank Wellness Plus Benefits & Features

The YES Bank Wellness Plus credit card gives you benefits in mainly three categories- health & fitness, reward points, and travel.

Health & Fitness Benefits

  • Annual preventive Health Check-up (31 parameters)
  • Annual Eye & Dental Check-up
  • Unlimited consultation with General Practitioner, Specialist & Nutritionist through AB Multiply App
  • 12 complimentary fitness sessions (Gym, Yoga, Zumba, etc.) per month.

All these benefits are available only through the AB Multiply app so make sure you are fine with the choice of health institutions, medical practitioners and fitness partners and the cities.

Rewards Program

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

The 30X rewards are among the best when compared to other health and wellness themed cards’ reward programs. If you have high spending on chemists and pharmaceutical stores, then this could earn you back good number of points. But take a look at the rewards redemption options to get a better picture of how you’ll use the earned points.

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.
  • A reward redemption fee of Rs 100 is applicable per redemption request.

Travel and Lounge Access Benefits

  • Lounge access: With YES Bank Wellness Plus credit card, you get 2 complimentary domestic airport lounge visits per quarter for primary cardmember only.
  • Air Miles: Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)

Also, redeeming your reward points against flights and hotels gives you the best value (1 point = Rs 0.25).

Insurance Benefits

The YES Bank Wellness Plus credit card comes with a life insurance cover of Rs. 1 Crore, a medical insurance cover worth Rs. 25 lakhs, and 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.

Other Benefits

  • Convert transactions over Rs 2,500 into EMIs.
  • Get a quick loan against your card within credit limit.
  • Card protection plan for protection against card loss, related fraud and emergencies.
  • Secure and contactless payments.

YES Bank Wellness Plus Credit Card: Is it worth it?

The card gives you enough value to justify its surprisingly high fees.

It’s advantageous if:

  • Your primary goal is to avail the free check-ups and consultations and you are fine with the choice of practitioners and institutions offered on AB Multiply app
  • You travel frequently and can make use of the complimentary lounge visits
  • You’d like to get something back on your chemists/pharmaceutical stores purchases

Avoid if:

  • You expect cashbacks, rewards or benefits in categories other than health and wellness
  • You want a card for everyday spending.

YES Bank Wellness Plus credit card is not your typical lifestyle card for everyday spending. You won’t get much out of it if not using it on health and wellness programs it offers.

And if you want those health and wellness benefits along with rewards on pharma/chemists spends but don’t want to pay the joining fee or annual fee of Rs 1,499, consider ‘YES Bank Wellness card‘- the base version of Wellness Plus card which comes with Rs 749 joining/annual fees.

Here is a quick comparison:

YES Bank Wellness CardYES Bank Wellness Plus Card
FeesJoining fee- Rs 749
Annual fee- Rs 749
Joining fee- Rs 1,499
Annual fee- Rs 1,499
Health Benefits– Annual preventive health check-up (25 parameters)
– Annual Eye & Dental check-up
– Unlimited consultation with General Practitioner, Specialist & Nutritionist
– 6 complimentary fitness sessions
– Annual preventive health check-up (31 parameters)
– Annual Eye & Dental check-up
– Unlimited consultation with General Practitioner, Specialist & Nutritionist
– 12 complimentary fitness sessions
Rewards– 20X rewards on Chemists/Pharmaceutical purchases
– 4X rewards on other categories
– 30X rewards on Chemists/Pharmaceutical purchases
– 6X rewards on other categories
Lounge AccessNA2 domestic airport lounge access per quarter

How to Apply?

You can apply online by visiting the YES Bank’s official website for a faster application process and to get the welcome benefit worth Rs 500.

Eligibility

  • 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

More YES Bank Credit Cards

Aside from health & wellness, there’s other YES Bank cards that offer a wider net of benefits and rewards.

  • 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.

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