By Shubham Sharma
Updated On September 20, 2022

A co-branded credit card, YES Bank Wellness Credit Card is a result of a collaboration between YES Bank and Aditya Birla Wellness Pvt Ltd. The Wellness credit card targets the self-care and general well-being of consumers. This credit card is a toned-down version of the YES Bank Wellness Plus Credit Card, which comes with a higher fee and greater benefits. The Wellness 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. 749 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.
  • 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 stations in India

Rewards and Benefits

Welcome Benefits


Movie & Dining

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

Rewards Rate

1 Reward Point = Rs 0.25

Reward Redemption

Reward Points can be redeemed by visiting or by calling Yes Rewardz Customer Care at 1800 4190 600 between 9 a.m. and 9 p.m., Monday through Sunday.





Domestic Lounge Access


International Lounge Access


Insurance Benefits

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

Zero Liability Protection


Fees & Charges

Joining Fee

Rs. 749 plus applicable taxes

Renewal Fee

Rs 749/- plus applicable taxes

Spend based Waiver


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 at all fuel stations in India on transactions between INR 400 to INR 5,000

Cash Advance Charge

2.5% of the transaction amount or Rs. 300, higher of the two.

Add-on Card Fee


Yes Bank Wellness Credit Card Features and Benefits

The YES Bank Wellness Credit Card offers a wide range of health benefits. It is targeted at health-conscious individuals and comes with lots of other advantages as well. Some of its most exclusive benefits are as follows:

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.

Joining Fee, Renewal Fee, and Interest Charges

YES Bank Wellness Credit is placed at a joining fee of Rs 749 plus taxes, a renewal fee of Rs 749 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 are entitled to a fuel surcharge waiver of 1% at 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

By converting a transaction of Rs. 2,500 into an EMI, you get access to avail instant loan from your Yes Bank Credit Card. Also, reward points can be earned while you convert such transactions into EMI.

Features Instant EMI option

  • Documents Required – NIL
  • Processing Fee – NIL
  • Interest rates – 12% p.a to 15% p.a
  • Repayment period – 3 months to 24 months
  • Minimum Transaction amount – Rs. 2,500

YES Bank Wellness Credit Card Reward Points

  • For every Rs 200 spent on Chemist/ Pharmaceutical stores using this card, you can earn 10 Reward Points.
  • Earn 4 Reward Points per INR 200 spent on all other categories
  • While you register for YES PayNow, you will get 500 Reward Points per registration.

Reward Redemption

The earned reward points can be redeemed as follows:

  • 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

YES Bank Wellness Credit Card Eligibility Criteria

You need to fulfill the below-mentioned eligibility criteria in order to be eligible to apply for YES Bank Wellness Credit Card:

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)

Documents Required

You need to have the following documents when you apply for YES Bank Wellness Credit Card:

  • Identity Proof: Driving License, PAN Card, Aadhar Card, Passport, Voter’s ID, etc.
  • Address Proof: Driving License, Aadhar Card, Utility bills of latest months, etc.
  • Proof of Income: Latest salary slips, or audited ITR.

How to Apply for YES Bank Wellness Credit Card

You can apply for this credit card either through the bank’s official website or by walk-in to the nearest bank branch.

For applying through official website, you can follow the following steps –

  • Visit the YES Bank’s official website.
  • Click on the YES Wellness Credit Card under the ‘Credit Cards’ Tab.
  • Click on Apply Now.
  • Provide all the necessary details and documents and click on the ‘Submit’ button.


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 to 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 card. However, if you want other types of benefits with your credit card, you can check all the YES Bank Credit Cards and choose the one that suits your lifestyle.


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 2,500/-

Yes Bank charges Rs 100/- GST per redemption request

The annual Fee charged by the bank is Rs 749 plus tax and No, the card doesn’t come with any spend-based waiver.

Write A Comment

Sign up for the Card Insider Weekly Newsletter!

By providing my email address, I agree to’s  Privacy Policy

Thanks For Subscribing!

Please confirm the email address

Please verify your email address

Add cards to start comparing

Compare Cards