In-depth review
YES Bank Wellness Plus Credit Card
A health-themed YES Bank card whose value is in services, not rewards — 12 fitness sessions a month, an annual health check-up (per the Aditya Birla Activ Health list), unlimited doctor consultations, and 5X points at pharmacies. But the base earn is a weak 0.6%, and per YES Bank's MITC the ₹1,499 annual fee is not waivable on spend. Worth it only if you will actually use the wellness benefits.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
15 points/₹100 on Groceries (~3% value)
30 YES Reward Points per ₹200 (5X, ~3%) at pharmacies and chemist stores — the card's signature accelerator; EMI transactions excluded; MCC 5912 only
0.6% on Other
6 YES Reward Points per ₹200 (~0.6%); points redeemable on YES rewardz for vouchers, products and travel; redemption request fee applies
Airport Lounge Access
2 complimentary domestic airport lounge visits per quarter across 30+ Indian lounges, unlocked by spending ₹50,000 in the previous quarter (spend-gated); guests are charged
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
Insurance Cover
Wellness services bundle — 12 fitness sessions a month (yoga, Zumba, gym), an annual health check-up (per the Aditya Birla Activ Health list), and unlimited teleconsultations with specialists/nutritionists
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
₹4,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (worth ~₹4,000/yr)
- Travel insurance cover included
For someone who will actually attend the monthly fitness sessions and use the free check-ups and doctor consultations, and who fills a chunk of monthly spend at pharmacies. Not for anyone chasing reward value — the base earn is below average and the fee is not waivable.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceriesonly at Pharmacy & chemist stores | reward points | 3%15 pts/₹100 × ₹0.20 | — |
| Other | reward points | 0.6%3 pts/₹100 × ₹0.20 | — |
| Utility Bills | reward points | 0.6%3 pts/₹100 × ₹0.20 | ₹90 |
Groceries: 30 YES Reward Points per ₹200 (5X, ~3%) at pharmacies and chemist stores — the card's signature accelerator; EMI transactions excluded; MCC 5912 only · Pharmacy & chemist stores
Other: 6 YES Reward Points per ₹200 (~0.6%); points redeemable on YES rewardz for vouchers, products and travel; redemption request fee applies
Utility Bills: Utility spends earn the base 6 points per ₹200 (~0.6%), capped at 450 reward points a statement cycle. MITC v18 p10 says 450; the product page says 300 — we follow the MITC as the regulatory document
Earns nothing on: Rent · Wallet Loads · Fuel · Cash Advances · Government & Tax · EMI Conversions · Insurance · Education · Railways · Tolls & Road Fees · Ferry · Jewellery · Marketing and advertising
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
| Reward redemption fee | ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹5,500/yr in total.
2 complimentary domestic airport lounge visits per quarter across 30+ Indian lounges, unlocked by spending ₹50,000 in the previous quarter (spend-gated); guests are charged
Wellness services bundle — 12 fitness sessions a month (yoga, Zumba, gym), an annual health check-up (per the Aditya Birla Activ Health list), and unlimited teleconsultations with specialists/nutritionists
₹500 Amazon voucher on completing the annual health check-up within 90 days of card issuance/renewal — a recurring use-it-to-get-it benefit, not an automatic welcome bonus
1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹250 a month
Should you get it?
- Best for: People who will use monthly fitness sessions and free health check-ups, Households with regular pharmacy and chemist spends, Users who value teleconsultations with doctors and nutritionists
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (0.6% back; 3% only at Pharmacy & chemist stores).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Rich wellness bundle — 12 monthly fitness sessions, an annual health check-up, unlimited consultations
- 5X reward points (~3%) at pharmacies and chemist stores
- 2 domestic lounge visits a quarter once the spend gate is met
- Fuel surcharge waiver on everyday refuelling
✕ Cons
- Annual fee of ₹1,499 is NOT waivable on spend (per YES Bank MITC)
- Base earn of ~0.6% is below average — value is in services, not rewards
- Domestic lounge access is spend-gated (₹50,000 in the prior quarter)
- Wellness benefits only pay off if you actively use the sessions and check-ups
- YES Bank levies a 1% + GST transaction fee on utility spends once they cross ₹25,000 in the previous month, and on individual fuel transactions above ₹10,000
Eligibility & documents
This is the figure for salaried applicants. Where YES Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
- 📄Passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem YES Reward Points on the YES rewardz portal for vouchers, products and travel
- 🎁Statement credit against eligible spends
- 🎁A ₹100 + GST per-request redemption fee applies
What your YES Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 50% of the point balance; ₹100 + GST per redemption request
Capped at 50% of the balance and ₹25,000 a calendar month
YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights
Air India is YES's only transfer partner, and the flagship is NOT the best deal: YES Private and Private Prime convert 8:1 (⇒ ₹0.125/pt) while Marquee and every other card sit at 10:1 (⇒ ₹0.10/pt) — the rate YES itself publishes as '1 Air Mile per 10 Reward Points'. Both sit below the ₹0.25 flights-and-hotels route, so on YES transferring destroys value. No minimum; credited in up to 7 working days.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The ₹1,499 annual fee is not waivable on spend (per YES Bank MITC), and the base 0.6% earn is below average — so the card only pays back if you actively use the fitness, check-up and consultation services rather than the rewards.
Frequently asked questions
How much does the Wellness Plus earn?
What wellness benefits does it include?
Can the annual fee be waived?
Does it offer airport lounge access?
Who is eligible for the Wellness Plus?
How has the YES Bank Wellness Plus Credit Card changed over time?
Has the YES Bank Wellness Plus Credit Card been devalued recently?
When did the YES Bank Wellness Plus Credit Card's fees last change?
How did the YES Bank Wellness Plus Credit Card change in 2026?
The bottom line
A lifestyle card that lives or dies on its wellness services. The 12 monthly fitness sessions, annual health check-up and unlimited consultations can easily clear the ₹1,499 fee for a household that uses them — and the 5X pharmacy earn (~3%) is a genuine plus for regular medicine buyers. But the base 0.6% is weak, the fee is not waivable on spend, and lounge access is spend-gated. Buy it for the health benefits you will use, and pair it with a stronger everyday card.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the YES Bank Wellness Plus Credit Card are taken from YES Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
Cash-advance, auto-debit-failure and cash-deposit fees raised
Cash advance 2.5% or ₹500; auto-debit failure 2% or ₹450 (capped ₹1,500 a statement); branch cash deposit ₹100→Cash advance 2.5% or ₹650; auto-debit failure 2.5% or ₹500 (capped ₹5,000 a statement); branch cash deposit ₹500
YES Bank's MITC revision effective 15 June 2026 raised the servicing fees that apply to the Wellness Plus: the cash-advance floor moved from ₹500 to ₹650, the auto-debit-failure charge from 2% or ₹450 to 2.5% or ₹500 with the per-statement cap lifted from ₹1,500 to ₹5,000, branch cash deposits towards card repayment from ₹100 to ₹500, and card re-issuance from ₹100 to ₹199. None of these touch the earn rate, but they make mistakes on this card materially more expensive.
Verification: YES Bank ↗ · Confidence: High
- ▼ BenefitEffective 15 Jun 2026
Fuel surcharge waiver band narrowed to ₹500–₹3,000
₹400 to ₹5,000 per transaction→₹500 to ₹3,000 per transaction
From 15 June 2026 the Wellness Plus only gets its 1% fuel surcharge reversed on fill-ups between ₹500 and ₹3,000, down from the ₹400–₹5,000 band that applied before. Small top-ups under ₹500 and larger tank-fills above ₹3,000 now carry the surcharge in full; the ₹250 per-statement-cycle waiver cap is unchanged.
Verification: YES Bank ↗ · Confidence: High
- ▲ BenefitEffective 1 Jun 2026
Over-limit facility reintroduced
Withdrawn — transactions above the limit declined→Allowed up to a bank-set threshold, ₹550 + GST per over-limit transaction
Effective 1 June 2026 YES Bank brought back the over-limit facility it had scrapped in May 2025, so a Wellness Plus transaction that breaches the sanctioned limit can go through again — subject to the bank's own credit-profile checks and a ₹550 + GST charge. Useful in an emergency, but it is an opt-in-by-default cost, not a free perk.
Verification: YES Bank ↗ · Confidence: High
2025
- ▼ BenefitEffective 1 May 2025
Over-limit facility discontinued
Allowed, with a ₹500 over-limit charge→Transactions above the limit automatically declined
From 1 May 2025 YES Bank withdrew the over-limit facility across its personal credit cards including the Wellness Plus, so any transaction breaching the sanctioned limit was simply declined and the ₹500 over-limit charge stopped applying. The bank reversed this on 1 June 2026.
Verification: CardAdvisor Research · Confidence: High
- ▼ LoungeObserved 30 Oct 2024 · Effective 1 Apr 2025
Domestic lounge spend gate raised to ₹50,000 a quarter
₹35,000 a quarter→₹50,000 a quarter
Announced 30 October 2024 and effective 1 April 2025, the prior-quarter spend a Wellness Plus holder must clear to unlock the card's 2 complimentary domestic lounge visits per quarter rose from ₹35,000 to ₹50,000 — the number of visits did not change, only the bar to earn them. YES Bank's current MITC still lists Wellness Plus in the ₹50,000 threshold band.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/yes-wellness-plus#value-timeline">YES Bank Wellness Plus Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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