YES Bank Wellness Plus Credit Card
The YES Bank Wellness Plus is a niche health-themed card: its value is in wellness services, not raw rewards. It bundles 12 complimentary fitness sessions a month (yoga, Zumba, gym), an annual health check-up (per the Aditya Birla Activ Health list) and unlimited teleconsultations with doctors, specialists and nutritionists. On spend it earns a modest 6 YES Reward Points per ₹200 (~0.6%), stepping up to 30 points per ₹200 (~3%) at pharmacies and chemists, plus 2 spend-gated domestic lounge visits a quarter and a fuel surcharge waiver. The catch is the fee: ₹1,499 joining and ₹1,499 renewal, and per YES Bank's MITC the annual fee is NOT waivable on spend. So this card only makes sense if you will genuinely use the fitness classes, check-ups and consultations — value them at more than ₹1,499 and it pays; treat it as a rewards card and it disappoints.
Key features
What this card is built to do — the highlights that actually matter.
3% on 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
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
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 3% | — |
| Other | reward points | 0.6% | — |
| Utility Bills | reward points | 0.6% | ₹90 |
Fees & charges
| 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 — ~₹7,500/yr in total.
️ lounge access ~ ₹6,000 /yr
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
️ insurance
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
milestone bonus ~ ₹500 /yr
₹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
fuel waiver ~ ₹1,000 /yr
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 Groceries ( 3% back).
Frequent travellers benefit from the included airport lounge access.
✓ 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
Age
21 –60 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
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.
Statement credit Capped at 50% of the point balance; ₹100 + GST per redemption request
E-gift voucher (EGV) Capped at 50% of the balance and ₹25,000 a calendar month
Flights & hotels BEST YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights
Air India Maharaja transfer 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 ✈ Air India Maharaja Club ( 10:1 ) Value your balance: YES Reward Points ✈ Air India Maharaja Club ( 10:1 ) ₹ 1,000 vs. typical redemption ₹ 1,000 Direct transfers from this card only, ranked by what a point is worth in the destination programme . Full calculator, every currency → The concern 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.
The bottom line
This is an auxiliary lifestyle card whose proposition relies almost exclusively on its bundled healthcare ecosystem. Consistently using the 12 monthly workout sessions, yearly preventive health check-up, and unlimited virtual doctor consultations easily recovers the recurring ₹1,499 fee, while the accelerated 5X reward rate (~3%) at pharmacies provides meaningful relief for recurring medicine bills. That said, the baseline 0.6% earn is unremarkable, the annual fee cannot be waived via spend targets, and domestic lounge visits require prior-quarter spending. It functions best when acquired specifically for its wellness perks and paired alongside a dedicated card for general everyday expenses.
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 verified 7 Aug 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.
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 · 10 changes · last change Jun 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 3 changes — 2 cuts, 1 improvement
▼ Fee Effective 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
▼ Benefit Effective 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
▲ Benefit Effective 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 3 changes — 3 cuts
▼ Benefit Effective 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
▼ Lounge Observed 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
▼ Reward Effective 1 Apr 2025
Government, marketing and advertising spends stop earning points
Government, marketing and advertising spends earned the base rate → These categories earn nothing
From 1 April 2025 the Wellness Plus stopped awarding YES Rewardz on government, marketing and advertising transactions — YES Bank named the card explicitly in the exclusion list. On a card whose base earn is already only 6 points per ₹200, losing whole categories bites.
Verification: CardAdvisor Research · Confidence: High
2024 3 changes — 3 cuts
▼ Fee Effective 1 Dec 2024
Finance charges raised to 3.99% a month
3.99% a month (47.88% a year)
From 1 December 2024 YES Bank raised the finance charge on revolving retail balances, cash advances and overdue amounts to 3.99% a month — 47.88% a year — and the Wellness Plus sits in the bank's standard "other credit cards" band that carries it. Only a revolver pays this, but it is now among the steeper rates in the market.
Verification: CardAdvisor Research · Confidence: High
▼ Redemption Effective 1 Dec 2024
Point redemption capped at 70% of invoice
Full invoice redeemable in points → 70% of invoice, max 1,00,000 points a calendar month
From 1 December 2024 YES Rewardz points can cover only 70% of a flight or hotel invoice, with the remaining 30% payable in cash, and redemption is capped at 1,00,000 points a calendar month for cards outside the Marquee and Reserv tiers — the band the Wellness Plus sits in. Pharmacy points still accrue at the same rate, but they are now harder to spend down in one go.
Verification: CardAdvisor Research · Confidence: High
▼ Lounge Effective 2024
Domestic lounge access made spend-linked
No spend condition → Prior-quarter spend required — ₹10,000, then ₹35,000
During 2024 YES Bank made complimentary domestic lounge access conditional on spend across all its credit cards: from early in the year cardholders had to spend at least ₹10,000 in a quarter to get lounge access the next quarter, and the bar was then lifted to ₹35,000 a quarter from mid-2024. This turned the Wellness Plus's 2 visits a quarter from a standing perk into an earned one, before the threshold rose again to ₹50,000 in April 2025.
Verification: CardAdvisor Research · Confidence: Reconstructed
2021 1 change — 1 neutral
◆ Launch Effective Jan 2021
Launches with Aditya Birla Wellness as a health-themed card
YES Bank announced the Wellness and Wellness Plus credit cards in mid-January 2021 in partnership with Aditya Birla Wellness Private Limited, pitching them at self-care during the work-from-home years. The Wellness Plus launched at ₹2,999 joining and renewal, earning 30 YES Rewardz per ₹200 at pharmacies and chemists and 6 per ₹200 elsewhere, and bundling 12 complimentary fitness sessions a month through the Aditya Birla Multiply app, an annual 31-parameter preventive health check-up, annual eye and dental check-ups, unlimited teleconsultations with doctors and nutritionists, 2 domestic lounge visits a quarter and a 1% fuel surcharge waiver. The fee was later cut to the ₹1,499 the card carries today, though YES Bank has published no date for that revision.
Verification: CardAdvisor Research · Confidence: Reconstructed
↓ Show all 10 changes 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: YES Bank Wellness Plus Credit Card value timeline — CardAdvisor
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Quick summary
Type Mid credit card
Reward rate 0.6%–3%
Best for People who will use monthly fitness sessions and free health check-ups
Joining fee ₹1,499
Annual fee ₹1,499
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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280 cards analysed — August 2026
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