Dedicated Healthcare, Gym Access, and Wellness Privileges
Health-conscious individuals, fitness enthusiasts, and families wanting annual medical checkups and gym privileges.
₹1,499
One-time upfront₹1,499
Waived on ₹2 lakh annual spend6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES Bank Wellness Plus Credit Card occupies a unique niche in the Indian financial landscape, tailoring its core value proposition around preventative health, fitness memberships, and medical lifestyle benefits. At an annual fee of ₹1,499 plus GST, the card partners with Aditya Birla Wellness and Fitternity to deliver tangible wellness perks that easily outweigh the fee. Cardholders receive 1 complimentary comprehensive annual health checkup (covering 30+ diagnostic parameters), unlimited teleconsultations with general physicians, dieticians, and mental health specialists, and up to 4 complimentary fitness sessions (gym, yoga, zumba) per month via the Fitternity network. On spending, the card offers accelerated 6 YES Rewardz points per ₹200 on pharmacy and chemist purchases, and 4 points per ₹200 on other retail categories. Travel benefits are also covered, with 4 complimentary domestic airport lounge visits per calendar year (1 per quarter). However, the fee waiver hurdle of ₹3,00,000 annual spend is relatively steep for a mid-tier card, meaning users who do not actively utilize the gym passes or annual medical checkup will struggle to justify the renewal cost. For urban fitness practitioners and health-conscious families who spend regularly on pharmacy bills and gym memberships, the bundled fitness passes alone make Wellness Plus an extraordinary lifestyle investment.
6 Reward Points per Rs. 200 spent, 30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores.
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Pharmacies & Healthcare Spends | 30 Reward Points per ₹200 spent on healthcare and pharmacies | No Cap | Standard terms apply |
| Other Spends | 6 Reward Points per ₹200 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Pharmacies & Healthcare Spends | ₹12,000 | 30 Reward Points per ₹200 spent on healthcare and pharmacies | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 6 Reward Points per ₹200 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,499 + GST; Annual Renewal Fee: ₹1,499 + GST. • Fee Waiver: Spend ₹3,00,000 or more in the preceding 12 months to waive the ₹1,499 renewal fee. • Health Checkup: 1 complimentary comprehensive annual health checkup with diagnostic test package. • Fitness Benefits: Up to 4 complimentary fitness sessions per month (gym/yoga/zumba) across Fitternity partnered centers. • Teleconsultations: Unlimited consultations with general physicians and nutritionists via Aditya Birla Wellness app. • Pharmacy Rewards: 6 YES Rewardz points per ₹200 on chemist and pharmacy spends; 4 points per ₹200 on other retail. • Airport Lounges: 4 complimentary domestic airport lounge visits per calendar year (1 per quarter).
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.
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.
Common questions regarding YES Bank Wellness Plus Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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