YES BANK Wellness Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
YES BANK Wellness Credit Card Review:
Health First, Rewards Always
Introduction
The YES BANK Wellness Credit Card is a wellness-focused payment solution that is unique in the Indian market—blending everyday rewards and cashbacks with robust benefits for health-conscious users. the card enables you to prioritize preventive care, fitness, and well-being, while still earning points on every spend. If regular health check-ups, fitness sessions, and supplemental lifestyle discounts align with your financial goals, this card is a top contender for smart, user-focused spending.
Key Features and Benefits
Welcome Offer
Free Amazon voucher worth ₹500 on first ₹1,000 spend in 30 days.
Annual Preventive Health Check-Up
Complimentary check-up (25 parameters) + annual eye and dental exams for primary cardholder.
Fitness Sessions
6 free sessions per month for gym, yoga, Zumba, etc. at partner studios.
Unlimited Health Consultations
Free access to general practitioners, nutritionists, and specialists via the Multiply app.
Reward Structure
Insurance Perks
- ₹ n/a credit shield against accidental death (primary cardholder).
- Credit Shield is the cover for outstanding Credit Card dues in case of an unfortunate event of the Cardmember’s death (due to accident only)
Instant EMI Options
Convert spends ₹2,500+ into EMIs, interest from 12–16% p.a., flexible tenures.
YES Rewardz Platform
Dedicated portal for flight, hotel, e-voucher, bill, and air mile redemptions; covers dozens of merchant partners.
Fees & Charges
| Fee Type | Details | Waiver / Cap |
|---|---|---|
| Membership Fee | ₹499 + taxes | |
| Renewal Fees | ₹749 + taxes | |
| Interest Rate | 3.99%/month (47.88% annually) on revolving credit, cash advances, overdue | — |
| Rental Transactions | Max 5 per 30 days | ₹1 or 1% (≤₹1,000); ₹199 or 1% (>₹1,000) — whichever is higher |
| Wallet Transactions | 1% or ₹1 (whichever is higher) | — |
| Utility Charges | 1% + GST on monthly spends above ₹15,000 | Fee capped at ₹3,000/month |
| Education Fee Charges | 1% + GST via third-party apps | Fee capped at ₹5,000/month |
| Fuel Transaction Charges | 1% + GST on spends above ₹10,000 | Fee capped at ₹5,000/transaction |
| Tolls/Bridges Charges | 1% + GST on spends above ₹10,000 | Fee capped at ₹5,000/transaction |
Struggling to keep up with mounting credit card bills?
Card Essentials
| Type | Reward Points |
| Welcome Benefits | n/a |
| Annual Fee | ₹499 + GST |
| Reward Structure | Rewards on Eligible SPENDS |
| Renewal Benefit | n/a. |
Rewards and Benefits Analysis
Who Benefits Most?
Health & Fitness Enthusiasts
High reward rates at chemists, plus free check-ups and fitness—offers significantly more value than typical retail cards.
Families & Preventive Care Advocates
Eye/dental included, plus unlimited consults for holistic health coverage each year.
Everyday Spenders
4 points/₹200 on retail, groceries, bills; up to 20 points/₹200 at pharmacies.
Real-World Value Example
₹10,000 chemist spend = 1,000 points (worth ₹250 on YES Rewardz).
Health check-ups and consults are worth ₹4,000+ per year if used.
6 monthly fitness sessions can save ₹3,000+ per year.
Practical Considerations
Fees & Charges
Joining fee: ₹499–₹749 annual fee.
Interest rate: 3.99%/month (47.88%/year).
Foreign currency markup: n/a —designed for domestic use.
Redemption: ₹100 + GST per request for gift vouchers; free for statement credit.
EMI processing fee: ₹199–₹399 as per amount/tenure.
Utility/rent/wallet/education payments above monthly caps: 1% surcharge applies.
Eligibility
Age: 21–60 years.
Income: ₹20,000/month salary or ₹7.5 lakh/year (ITR).
Standard KYC doc—Aadhaar, PAN, payslip, electricity/phone bills for address.
Usage Tips
Target chemist/pharmacy spends for best RP yield.
Use Multiply app for appointments and free consultations.
Convert bills and purchases above ₹2,500 into EMIs for managing cash flows.
Redemption Options
YES Rewardz Portal
Redeem points for flights, hotels, gift vouchers, shopping, and bill credits; air mile conversion for frequent travelers (10 RP = 1 InterMile/Vistara).
Standard value: ₹0.25/point; higher value possible during flash sales and travel bookings.
Points valid for 36 months.
Best Practice
Use for hotel/flight bookings and high-value gift vouchers.
Redeem promptly to avoid expiry and maximize lifestyle redemption.
Ideal User Profile
Health-conscious spenders: Utilise free check-ups, fitness sessions, and pharmacy rewards.
Families: Value wellness benefits, dining discounts, and preventive care.
Everyday shoppers: Use card for groceries, bills, medicines, and routine retail.
Final Thoughts
Strengths
Unique healthcare focus—high pharmacy rewards and wellness perks not found elsewhere.
Free preventive checks, eye/dental exams, fitness, and unlimited consults add real-world savings.
Dining, EMI, insurance and fuel waivers enhance everyday value.
Reward points earn quickly on relevant spending.
Limitations
No travel/lifestyle perks (no lounge access, air insurance).
Rewards lower for retail/utility spends than for pharmacy shops.
Redemption fee for vouchers; greater value for travel and bill credits.
Foreign use limited, domestic focus only.
Additional Tips for Applicants
Prepare Income Docs: Payslip or ITR of ₹7.5 lakh+ recommended for smooth approval.
Instant EMI Use: Use for high-value spends above ₹2,500 with zero documentation.
Health Services: Download Aditya Birla Multiply to activate free consults and health sessions.
Fee Awareness: Use the card strategically at pharmacies, dining, and retail to maximize rewards. Monitor utility, rent, and wallet spends closely to avoid surcharge triggers, as no waiver benefits apply.
Redeem Smartly: Prefer YES Rewardz cashback/air miles over catalogue vouchers for highest yield.
For health-focused, everyday spending, YES BANK Wellness Credit Card is a feature-rich option prioritizing user well-being in 2025.
This review offers a clear and balanced overview of the YES BANK Wellness Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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