By Shubham Sharma
Updated On September 20, 2021

YES Bank Wellness Credit Card is a co-branded credit card offered in partnership with Aditya Birla Wellness Pvt Ltd. The Wellness credit card targets the self-care and general well-being of the consumers. This credit card provides comes various heath benefit offers such as complimentary health checkups, doctor consultation, and other lifestyle benefits. You get to redeem reward points across multiple categories using this card. You get 20 Reward Points per Rs 200 spent on Chemist/ Pharmaceutical stores and 4 Reward Points per Rs 200 spent on all other categories with this card.

Best Suited For

Shopping |

Joining Fee

Rs 1999 plus applicable taxes

Reward Type

Reward Points |

Product Details

  • You get a complimentary preventive health check-up every year
  • 6 Complimentary fitness sessions every month (Gym, Zumba, Yoga, etc)
  • Get unlimited health benefit offers & Earn Reward Points across multiple categories on YES REWARDZ
  • Earn 20 Reward Points on every Rs 200/- spent on Chemist/ Pharmaceutical stores
  • You get Credit Shield coverage in the event of the accidental death of the primary cardholder
  • 1% fuel surcharge waiver across all fuel station in India

Rewards and Benefits

Welcome Benefits

N/A

Movie & Dining

Great deals and discounts on movies, shopping, travel, and wellness at participating locations on YES Privileges.

Rewards Rate

1 Reward Point = Rs 0.25

Reward Redemption

You can redeem your Reward Points by visiting credit.yesrewardz.com/ or by calling Yes Rewardz Customer Care at 1800 4190 600 between 9 a.m. and 9 p.m., Monday through Sunday.

Travel

N/A

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

You get a Credit Shield coverage in case of accidental death of Primary cardholder

Zero Liability Protection

N/A

Fees & Charges

Joining Fee

Rs 1999 plus applicable taxes

Renewal Fee

Rs 1999/- plus applicable taxes

Spend based Waiver

N/A

Rewards Redemption Fee

Redemption Fee of Rs 100/- plus GST is applicable

Rewards Redemption Fee

Redemption Fee of Rs 100/- plus GST is applicable

Foreign Currency Markup

A conversion rate of 3.5% is charged

Interest Rates

42% per annum (3.5% per month)

Fuel Surcharge

1% fuel surcharge waiver across all fuel station in India for transaction between INR 400 to INR 5,000

Cash Advance Charge

2.5% of the transaction amount and subject to a minimum charge of Rs. 300.

Add-on Card Fee

Nil

Health Benefit Offers

  • The customers get access to complimentary preventive health, eye, and  a dental checkup every year
  • Get Unlimited Consultation from General Practitioners, Nutritionist, and Specialist through  Aditya Birla Multiply App
  • 6 Complimentary fitness sessions every month (Gym, Zumba, Yoga, etc)
  • These offers can be availed through Aditya Birla Multiply App.

Reward Points

  • Earn 10 Reward Points on every Rs 200 spent on Chemist/ Pharmaceutical stores using this card.
  • Earn 4 Reward Points per INR 200 spent on all other categories
  • Get 500 Reward Points on each YES PayNow registration
  • Redeem Reward Points across multiple categories by visiting YES REWARDZ official website
  • Earn 10 Reward Points to get 1 Inter Mile Point and 1 Club Vistara Point

Joining Fee, Renewal Fee, and Interest Charges

YES Bank Wellness Credit comes with a joining fee of Rs 1999 plus taxes, a renewal fee of Rs 1999 plus taxes, and interest charges of 42% per annum (3.5% per month).

Insurance & Fuel Surcharge

  • YES Bank Wellness Credit card provides a Credit Shield coverage against accidental death
  • Cover provided in case of primary cardholder only
  • You get a 1% fuel surcharge waiver on various fuel stations across India.
  • The waiver is valid for transactions from Rs 400 to a maximum of ₹5000.
  • A maximum limit of surcharge waiver is subject to Rs 250/- per statement cycle

Instant EMI

Get access to an instant loan from your Yes bank credit card by converting it into an EMI. Transaction up to Rs 2500/-  can be converted into an EMI. You can earn reward points transactions converted into an EMI.

Features Instant EMI option

  • No documentation required
  • Zero Processing fee charged on conversion
  • Interest rates ranging from 12% pa to 15%pa
  • Repayment period of 3 months to 24 months
  • Minimum Transaction amount Rs 2500

Eligibility Criteria

Salaried Employees Self-Employed Individuals
Age 21-60 Years 21-60 Years
Income Minimum Rs. 5,00,000 per annum Minimum Rs. 5,00,000 per annum (as per ITR)

Conclusion

YES Banks Wellness credit card promotes the importance of self-care, mental and physical well-being to its customers. This credit card is more of a health and wellness-related card than a reward-based card. This card offers various health and wellness-related perks and benefits to its customer. For the customer with health and medical expenses this card would be a great option due the health reward features provided by this credit card. This card is best suited for the user, who expects exclusive reward features and benefits on using their credit cards

FAQs:

No, the YES Bank Wellness Credit Card does not provide access to airport lounges. The Wellness Plus card option includes two complimentary domestic lounge visits

The minimum amount for converting a transaction into an EMI is Rs 2500/-

Yes Bank charges Rs 100/- GST per redemption request

The annual Fee charged by the bank is Rs 1999 plus tax and No, the card doesn’t come with any spend-based waiver.

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