Curated Wellness & Retail Card with 8 Points on Groceries & Health Care
Urban homemakers, female professionals, and wellness enthusiasts seeking accelerated rewards on supermarket groceries, beauty retail, and diagnostic health checkups.
₹799
One-time upfront₹799
Waived on ₹1 lakh annual spend12 YES Rewardz/₹200 on Fashion, Beauty, Dining & Grocery (1.5% value), 8 pts/₹200 on other online (1.0% value), 4 pts/₹200 offline (0.5% value)
On eligible spends1 Domestic visits/quarter · ₹25k quarterly spend required
Complimentary visitsLast verified 12 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES Essence Credit Card is an thoughtfully conceived lifestyle and wellness credit card designed to empower women consumers with meaningful daily savings. Priced at an accessible ₹799 plus GST, it directs its reward acceleration toward routine domestic expenditure that traditional cards often overlook. Cardholders earn 8 YES Rewardz Points per ₹200 spent on grocery supermarket checkouts, beauty retail, departmental stores, and wellness platforms (delivering a solid 1.00% value return, where 4 points = ₹1). All other retail spending earns 4 YES Rewardz Points per ₹200. Accumulated points can be redeemed for gift vouchers, airline miles, or statement credit via YES Rewardz. Understanding personal health priorities, the card provides complimentary annual health checkup packages and up to 20% discounts on diagnostic lab tests, consultations, and pharmacy orders across partner wellness networks. Cardholders also enjoy 1 complimentary domestic airport lounge visit per calendar quarter and a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹250 per month). The annual fee is completely waived upon spending ₹1,00,000 or more in an anniversary year. For women managing household budgets and prioritizing preventive health, YES Essence is an empathetic and practical credit companion.
Receive brand vouchers worth ₹1,000 from leading lifestyle brands including Myntra, Tata CliQ, and Ajio on completing card setup and first transaction.
Earn 5,000 bonus YES Rewardz points upon spending ₹50,000 or more within 90 days of card issuance (redeemable for ₹1,250 in travel or vouchers).
Earn an accelerated milestone bonus of 10,000 YES Rewardz points upon crossing ₹1,00,000 in retail spends in a card anniversary year.
Enjoy a 100% discount on the second movie ticket (up to ₹250 per transaction) once every calendar month when booking on BookMyShow.
Access participating domestic airport lounges across India with 1 complimentary visit per calendar quarter upon spending a minimum of ₹10,000 in the preceding quarter.
Celebrate your birthday with a special ₹1,000 Myntra voucher delivered in your birthday month upon achieving ₹10,000 in retail transactions.
Stay proactive about wellness with a complimentary comprehensive annual health screening package at leading partner diagnostic centers across India.
Enjoy 1 complimentary golf lesson or green fee round per calendar quarter at top golf clubs across major cities in India.
Get a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5,000 at any fuel station across India (max waiver ₹250 per statement cycle).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining, Travel & Grocery Spends | 8 Reward Points per ₹200 spent (1.00% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 4 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 |
|---|---|---|---|---|---|---|
| Dining, Travel & Grocery Spends | ₹12,000 | 8 Reward Points per ₹200 spent (1.00% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 4 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-₹799
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹50,000 within 90 days of card setup to earn 5,000 bonus YES Rewardz points worth ₹1,250.
Cross ₹1,00,000 in annual card spends to earn 10,000 bonus YES Rewardz points worth ₹2,500.
Spend ₹1,20,000 in a card anniversary year to get 100% waiver of the ₹799 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic 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: ₹799 + GST; Annual Renewal Fee: ₹799 + GST. • Annual Fee Waiver: Spend ₹1,00,000 or more in an anniversary year to waive the ₹799 renewal fee. • Wellness Rewards: 8 YES Rewardz Points per ₹200 on grocery, beauty, and wellness retail purchases (~1.00% return). • General Rewards: 4 YES Rewardz Points per ₹200 on all other non-wellness retail spending (~0.50% return). • Point Valuation: 4 YES Rewardz Points = ₹1. Redeemable for vouchers, airmiles, or statement credit. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (subject to ₹25,000 spend in previous quarter). • Foreign Currency Markup: 3.00% + GST on international transactions (revised June 15, 2026). • Preventive Health Care: Complimentary annual health checkup packages and diagnostic lab test discounts. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹799 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding YES Essence 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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