YES Bank Wellness Plus Credit Card
Yes Bank · Open to apply
A health card with Aditya Birla Wellness benefits: 30 YES Rewardz per ₹200 at chemists and pharmacies and 6 elsewhere, a health check-up, fitness sessions, doctor consultations and 2 domestic lounge visits a quarter, for ₹1,499 a year.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Base rate
- 6 YES Rewardz per ₹200 on other spends: 6 YES Rewardz per ₹200 (about 0.3% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 30 YES Rewardz per ₹200 at chemists and pharmacies (MCC 5912): 30 YES Rewardz per ₹200 (about 1.5% at cash value)
Earns nothing on
- No YES Rewardz on rent, wallet loads, fuel, government, cash and EMI
- No YES Rewardz on insurance and education
- No YES Rewardz on railways and ferry
- No YES Rewardz on tolls and jewellery
Where the sources disagree
- utility points cap: The page glossary c says YES Rewardz earned on utility spends (MCC 4900) are capped at 300 per statement cycle; the MITC capping table (v18) gives Wellness Plus 450 (and Wellness 300). We use the MITC.
Terms the calculator does not value
- The rupee values used for redemption come from YES Bank's redemption rules (₹0.25 on flights and hotels, ₹0.10 statement credit and vouchers). Merchandise and catalogue items are valued at ₹0.10 there and carry monthly caps; points expire after 3 years and each redemption request costs ₹100 + GST.
- Health check-up, fitness session and consultation counts and the Amazon voucher tied to the check-up are on the page headline; the allowances are set by Aditya Birla Wellness and no document read gives the numbers (the linked PDF lists centres and the Wellness Saver partner discounts).
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, Wellness Plus Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Credit Card Redemption Rules (YES Rewardz) (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Aditya Birla health centre list and Wellness Saver card benefits (Partner's page, the bank's own, read 6 Nov 2026)