YES BANK Wellness Plus Credit Card Review
Author And Publisher: Gyro 3.oYES BANK Wellness Plus 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 Plus Credit Card Review:
Maximize Your Health and Rewards
Introduction
The YES BANK Wellness Plus Credit Card stands apart as one of India’s most health-oriented credit card products, making it the perfect companion for individuals and families who value both their physical wellness and everyday spending rewards. Combining complimentary preventive care (like medical checkups and unlimited health consultations) with robust earnings on pharmacy and retail purchases, this card is tailor-made for those who want a rewarding, worry-free way to put health first—without sacrificing lifestyle benefits like lounge access or on-the-go shopping perks.
Key Features and Benefits
Complimentary Annual Preventive Check-Ups
- Full-body checkup covering up to 31 health parameters, plus annual dental and eye exams.
Milestone Benefit
- Get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days.
Monthly Fitness Sessions
- 12 complimentary sessions (gym, Zumba, yoga, etc.) via Aditya Birla Multiply App.
Unlimited Doctor & Nutritionist Consultations
- Unlimited teleconsultation and expert advice through Multiply App.
Class-Leading Rewards Structure
30 reward points/₹200 at chemists/pharmacies (5X rate).
6 reward points/₹200 on all other spends.
1000 bonus points for registering billers via YES PayNow.
Domestic Lounge Access
- 2 complimentary visits per quarter (8 free airport lounge entries/year) across India.
Dining Offers
15% discounts at select restaurants via YES Privileges.
Fees and charges
| Category | Fee Details | Threshold / Cap |
|---|---|---|
| First Year Membership Fee | ₹1,499 + applicable taxes | Applicable for new cards onboarded on or after Jul 1, 2022. Older cards retain original fee. |
| Renewal Membership Fee | ₹1,499 + applicable taxes | Same as above |
| Interest Rate | 3.99% per month (47.88% annually) on revolving credit, cash advances, and overdue amounts | — |
| Rental Transactions | 1% or ₹1 (whichever is higher) for transactions up to ₹1,000; 1% or ₹199 (whichever is higher) for transactions above ₹1,000 | Maximum 5 per 30 days |
| Wallet Transactions | Minimum 1% or ₹1 (whichever is higher) | — |
| Utility Transactions | 1% + GST on monthly spends above ₹15,000 | Fee capped at ₹3,000 per month |
| Example (Utility) | ₹10,000 spend – No fee; ₹20,000 spend – ₹200 + taxes | — |
| Education Fee Payments | 1% + GST via third-party apps | Fee capped at ₹5,000 per calendar month |
| Fuel Transactions | 1% + GST on transactions above ₹10,000 | Fee capped at ₹5,000 per transaction (effective Oct 15, 2025) |
| Example (Fuel) | ₹9,000 – No fee; ₹20,000 – ₹200 + GST | — |
| Tolls/Bridges Transactions | 1% + GST on transactions above ₹10,000 | Fee capped at ₹5,000 per transaction (effective Oct 15, 2025) |
| Example (Tolls/Bridges) | ₹9,000 – No fee; ₹20,000 – ₹200 + GST | — |
Struggling to keep up with mounting credit card bills?
Card Essentials
| Type | Reward Points |
| Welcome Benefits | Get ₹500 Amazon voucher on ₹1,000 spend in 30 days. |
| Annual Fee | ₹1,499 + GST |
| Reward Structure | Rewards on Eligible SPENDS |
| Renewal Benefit | n/a. |
Rewards and Benefits Analysis
Who Benefits Most?
Urban families & health warriors: Leverage hefty rewards at chemists, and save via regular health checkups.
Proactive, preventive care fans: Free fitness and dental/eye checkups motivate healthy routines—all at zero extra cost.
Frequent domestic travelers: Enjoy up to 8 complimentary airport lounge accesses yearly.
Busy professionals: Take advantage of all-in-one health sessions, including online consultations and quick wellness bookings.
Value Potential
Chemist Spends: ₹10,000/month earns 1,500 points monthly—worth up to ₹375 as statement credit.
Lifestyle & Retail: Everyday shops, groceries, and utility bills also earn steady points.
Lounge Access: Saves ₹6,000+ per year for regular domestic fliers.
Practical Considerations
Fees & Charges
Joining/Annual Fee: ₹1,499 + GST.
Interest: 3.5%/month (42% annually) on balances.
Cash Advance: 2.5% or ₹500, whichever is higher.
Foreign Currency Markup: 3.5%.
Redemption Fee: ₹100/request.
Eligibility: 21–60 years, ₹20,000+ monthly salary or ₹7.5 lakh+ annual ITR, CIBIL 750+.
Potential Limitations
No international lounge access.
Redemption value best for travel/flights, lower for catalogue items.
Health insurance coverage requires spends & bookings via Aditya Birla partners for activation.
Redemption Options
YES Rewardz Portal
1 RP = ₹0.25 for flights/hotels, ₹0.10 for catalogue items/gift vouchers.
Statement credit option for instant bill pay.
Best Practices
Redeem for travel, statement credit or during bonus/flash sales for maximum value.
Accumulate points from chemist, fitness, dining, and retail for seasonal redemptions.
Ideal User Profile
Urban professionals & families: Want to integrate health, fitness, and finances.
Health-conscious spenders: Use pharmacies, clinics, and wellness centers routinely.
Domestic travelers: Value regular business/travel lounge access.
Budget planners: See high annual fee offset by insurance, free checkups, and lifestyle rewards.
Final Thoughts
Strengths
India’s most feature-rich health & wellness card: unmatched preventive care, top rewards at chemists, and strong lounge access.
Multi-dimensional value—combines health, travel, shopping, and financial perks.
Limitations
Annual fee may deter very occasional card users or those without significant spending at chemists.
Best value found via health/fitness bookings and airline redemptions.
Additional Tips for Applicants
Eligibility: Prepare proof of address, PAN/Aadhaar, and salary/ITR.
Family Use: Utilize all complimentary checkups and fitness sessions.
Rewards Maximization: Route all pharmacy and bill payments through the card.
Travel: Align your domestic trips to use all lounge access.
Payment: Pay dues in full monthly to avoid interest.
This review offers a clear and balanced overview of The YES BANK Wellness Plus 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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