YES Bank Wellness Plus Credit Card Review
The YES Bank Wellness Plus is built around health spending. It earns its highest reward rate at chemists and pharmacies and bundles an annual health check-up, eye and dental check-ups, unlimited doctor consultations and fitness sessions through Aditya Birla Wellness.
The ₹1,499 annual fee cannot be waived through spending, so the card only pays off if you actually use the health benefits or spend regularly on medicines.
- High reward rate at chemists and pharmacies
- Annual health check-up plus eye and dental check-ups
- Unlimited GP, specialist and nutritionist consultations in the app
- 12 fitness sessions a month
- ₹500 Amazon voucher on completing the health check-up within 90 days
- ₹1,499 joining and renewal fee, with no spend-based waiver
- Many categories earn nothing (rent, fuel, insurance, education and more)
- Lounge access depends on ₹50,000 spend in the previous quarter
- ₹100 fee per reward redemption
- Available only in about 12 cities; not for existing YES cardholders
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹1,499 |
| Renewal fee | ₹1,499 (no spend-based waiver) |
| Interest | 3.99% a month (47.88% a year) |
| Reward redemption fee | ₹100 per redemption |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on ₹500–₹3,000, up to ₹250 a cycle |
Rewards: how the card earns
| Spend | Reward points per ₹200 |
|---|---|
| Chemists and pharmacies (MCC 5912, non-EMI) | 30 |
| Other eligible spends | 6 |
| Utility bills | 6, subject to a per-cycle cap |
YES Bank does not publish a fixed rupee value per point; it depends on what you redeem for in the YES Rewardz catalogue, so check the catalogue before assuming a rate.
What earns nothing
Rent, wallet loads, fuel, government payments, marketing and advertising, and EMI transactions earn no points. From 15 June 2026, insurance, education, railways, tolls, ferries and jewellery also earn nothing.
Other benefits
| Benefit | Detail |
|---|---|
| Health check-up | Annual check-up (31 parameters), plus annual eye and dental check-ups |
| Consultations | Unlimited GP, specialist and nutritionist consultations through the Aditya Birla Wellness app |
| Fitness | 12 fitness sessions a month; face-scan health assessment twice a year |
| Lounge access | 2 domestic visits a quarter at 30+ lounges, only if you spent ₹50,000 in the previous quarter |
| Welcome | ₹500 Amazon voucher on completing the health check-up within 90 days of issuance or renewal |
Eligibility
Issuer
YES Bank
Age
21 to 60
Income
Net salary ₹20,000 a month or ITR of ₹7.5 lakh
Availability
About 12 cities; not for existing YES Bank cardholders
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: people who will use the health check-ups and consultations every year and spend regularly at pharmacies.
- Skip if: you will not use the health services — the non-waivable ₹1,499 fee then buys very little.
Alternatives worth comparing
- Best cards for medical and pharmacy spends
- YES Bank Wellness — the lower-tier version
- Best YES Bank credit cards
- Health insurance guide — a card is not a substitute for cover
Final verdict
Worth the fee only if you use the health package. For a family that would otherwise pay for an annual check-up and a few doctor consultations, the card more than covers its ₹1,499 cost. If you just want rewards, the long exclusion list and non-waivable fee make it a poor choice.
Frequently asked questions
Is the Wellness Plus annual fee waivable?
No. Both the ₹1,499 joining fee and ₹1,499 renewal fee apply regardless of spending.
What health benefits does it include?
An annual 31-parameter health check-up, eye and dental check-ups, unlimited doctor and nutritionist consultations, and 12 fitness sessions a month through Aditya Birla Wellness.
Does it include medical insurance?
No hospitalisation insurance is listed on YES Bank’s current product page or MITC. Do not treat it as a replacement for health insurance.
How do I get lounge access?
You get 2 domestic visits a quarter only if you spent ₹50,000 on the card in the previous quarter.
What earns no points?
Rent, wallet loads, fuel, government payments and EMIs, and from 15 June 2026 also insurance, education, railways, tolls, ferries and jewellery.
Last verified: October 2026, against YES Bank’s Wellness Plus product page and MITC (5 Oct 2026). 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.