YES Bank Wellness Credit Card Review
The YES Bank Wellness is the entry version of YES Bank’s health-focused cards. It earns 5 times the base rate at chemists and pharmacies and includes a preventive health check-up and unlimited doctor consultations through the Aditya Birla Multiply app.
Its ₹749 fee cannot be waived, so the value depends on using the health services.
- 20 points per ₹200 at chemists and pharmacies
- Annual preventive health check-up
- Unlimited doctor, specialist and dietitian consultations
- 6 fitness sessions a month
- Points valid for 36 months
- ₹749 fee with no spend-based waiver
- No lounge access
- Many categories excluded from June 2026
- ₹100 fee per redemption
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹749 + GST (no spend-based waiver) |
| Redemption fee | ₹100 per redemption |
| Interest | 3.80% a month |
| Cash withdrawal | 2.5% or ₹650, whichever is higher (from 15 Jun 2026) |
| Fuel surcharge waiver | 1% on ₹500–₹3,000, up to ₹250 a cycle |
Rewards: how the card earns
| Spend | Points per ₹200 |
|---|---|
| Chemists and pharmacies | 20 |
| Other eligible spends | 4 |
Points are valid for 36 months. YES Bank does not publish a fixed rupee value; check the catalogue.
What earns nothing
From 15 June 2026, insurance, education, railways, tolls, ferries and jewellery earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Health check-up | One preventive check-up a year |
| Consultations | Unlimited doctor, specialist and dietitian calls via Aditya Birla Multiply |
| Fitness | 6 sessions a month |
| Lounge access | None |
Eligibility
Issuer
YES Bank
Age
21–60
Income
About ₹20,000 a month (salaried)
Who this card is for
- Good fit: people who will use the health check-up and doctor consultations and buy medicines regularly.
- Skip if: you will not use the health services.
Alternatives worth comparing
- YES Bank Wellness Plus
- Best cards for medical and pharmacy spends
- Best YES Bank credit cards
- Health insurance guide
Final verdict
A low-cost way to get a health check-up and unlimited consultations, plus good pharmacy points. As a rewards card it is otherwise ordinary.
Frequently asked questions
What is the YES Wellness fee?
₹749 + GST a year, with no spend-based waiver.
How many points does it earn at pharmacies?
20 points per ₹200, five times the 4-point base rate.
What health benefits are included?
One preventive health check-up a year, unlimited doctor and dietitian consultations and 6 fitness sessions a month.
Does it have lounge access?
No.
What changed in June 2026?
Insurance, education, railways, tolls, ferries and jewellery stopped earning points, and the fuel waiver now applies only to ₹500–₹3,000 transactions.
Last verified: October 2026, against YES Bank’s Wellness card MITC, usage guide and June 2026 notice. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.