YES Bank Wellness Credit Card Review (2026): Rewards, ₹499 Fee & Apply

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.1/5 Editorial Score

The YES Bank Wellness Credit Card is a thoughtfully targeted card designed to incentivize personal healthcare, fitness, and preventive medicine. Priced at an affordable annual fee of ₹499 plus GST, it partners with Aditya Birla Wellness (Multiply App) to deliver tangible medical savings that easily exceed the card's carrying cost. Key privileges include an annual complimentary preventive health checkup package, unlimited general tele-consultations with certified physicians, and complimentary access to fitness sessions or gym sessions through health partner networks. Cardholders also earn accelerated reward points on pharmacy, chemist, and medical diagnostic expenditures. With the annual fee waived upon spending ₹1,00,000 in a year, the YES Bank Wellness Card is an attractive financial instrument for health-conscious families looking to manage recurring healthcare overheads systematically.

Ideal For:Health-conscious consumers, families seeking routine preventive medical checkups, and everyday shoppers who prioritize wellness perks.

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Card Strengths

Annual Health Checkup: Complimentary comprehensive annual preventive health checkup package for primary cardholders.
Unlimited Consultations: Free unlimited general physician tele-consultations via partner digital wellness platforms.
Pharmacy Spend Rewards: Accelerated reward points on prescription medicines, diagnostic scans, and chemist purchases.
Affordable ₹499 Annual Fee: Very accessible annual cost that is readily recouped via basic healthcare and medical diagnostics.
Low Spend Waiver Rule: Annual renewal fee waived cleanly upon achieving ₹1,00,000 in annual card retail spending.

Things to Keep in Mind

No Airport Lounge Access: The Wellness card does not feature complimentary domestic or international airport lounge visits.
Partner App Dependency: Healthcare checkups and consultations require booking through specific third-party health apps.
Standard 3.5% Forex: Carries a standard 3.50% foreign exchange markup on cross-border transactions.
Modest Reward Yield on Retail: Non-healthcare and general retail spends yield basic reward points without accelerated multipliers.

Additional Cardholder Privileges

Rewards

20 RPs/₹200 Spent on Chemists and ₹4 RPs/₹200 Spent Elsewhere

Welcome

Welcome Benefit 1

N/A

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Reward Points
Reward Currency: Reward Points
Base Earn Rate: 20 RPs/₹200 Spent on Chemists and ₹4 RPs/₹200 Spent Elsewhere
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Pharmacies & Healthcare Spends	20 Reward Points per ₹200 spent on healthcare	No Cap	Standard terms apply
Other Spends	4 Reward Points per ₹200 spent	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

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Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Pharmacies & Healthcare Spends2.50%

No published cap

₹

Other Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Pharmacies & Healthcare Spends	₹12,000	20 Reward Points per ₹200 spent on healthcare	—	None	Calculating...	Under cap
Other Spends	₹18,000	4 Reward Points per ₹200 spent	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹499
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹1 lakh annual spend
Fee Terms Notes: Health & wellness credit card; fee waived on ₹1,00,000 spend

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.50% per month
Annualized Interest Rate (APR): 42.00% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Salaried and self-employed resident Indians aged 21 to 65 years with minimum net monthly income of ₹25,000. • Joining & Annual Fee: ₹499 + GST; annual renewal fee waived on annual retail spends of ₹1,00,000. • Wellness Benefits: Complimentary annual preventive health check-up package covering vital health parameters. • Tele-Consultations: Unlimited complimentary general tele-consultations with doctors via the designated wellness mobile portal. • Fitness Access: Discounted fitness center memberships and complimentary digital workout/yoga sessions each month. • Medical Rewards: Accelerated reward points on spends at chemist stores, pharmacies, and diagnostic laboratories. • Everyday Spends: Standard reward points on everyday grocery, utility, and retail transactions. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across Indian fuel outlets.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding YES Bank Wellness Credit Card application, fees, reward redemption, and eligibility

What healthcare benefits come with the YES Bank Wellness Credit Card?

The card includes a complimentary annual preventive health checkup package, unlimited general tele-consultations with physicians via partner health platforms, and fitness discounts through Aditya Birla Wellness.

How can the annual renewal fee of ₹499 be waived?

Cardholders who spend ₹1,00,000 or more in retail transactions within the previous card anniversary year will have their ₹499 annual renewal fee completely waived.

Does the YES Bank Wellness Card offer airport lounge visits?

No, the standard YES Bank Wellness Credit Card focuses entirely on preventive medical and fitness benefits and does not provide complimentary airport lounge access.

Do pharmacy and diagnostic center spends earn accelerated rewards?

Yes, transactions made at pharmacies, chemist stores, and diagnostic laboratories earn accelerated YES Rewardz points compared to standard retail purchases.

What is the joining and annual renewal fee for YES Bank Wellness Credit Card?

The joining fee for YES Bank Wellness Credit Card is ₹499 (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on YES Bank Wellness Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹1 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on YES Bank Wellness Credit Card?

YES Bank Wellness Credit Card offers 20 RPs/₹200 Spent on Chemists and ₹4 RPs/₹200 Spent Elsewhere. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does YES Bank Wellness Credit Card offer complimentary airport lounge access?

No, YES Bank Wellness Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.

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