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YES BANK Wellness Credit Card
Mastercard
YES BANK Wellness Credit Card
The cheaper sibling of the Wellness Plus, co-branded with Aditya Birla Wellness. For ₹499 a year it includes annual health, eye and dental check-ups, unlimited teleconsultations and 6 fitness sessions a month, plus about 2.5% back at pharmacies. Outside health spends it is a basic 0.5% card, it has no lounge access, and it is sold only in 12 major cities.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Reward redemption: Redeem on YES Rewardz for flights, hotels, movie tickets and a product catalogue
- Insurance benefits: Credit shield cover in case of accidental death of the primary cardmember
Benefits by category
- 🛡️ Insurance
Credit shield cover on accidental death of the primary cardmember
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹3,000 transactions, max ₹125 per cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.99% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, max ₹125 per statement cycle
- Cash advance charges: 2.5% of the amount or ₹650, whichever is higher (from 15 June 2026), plus interest from the date of withdrawal
Benefits
- Through the Aditya Birla Multiply app: an annual 25-parameter preventive health check-up, annual eye and dental check-ups, unlimited GP/specialist/nutritionist consultations, and 6 fitness sessions a month (gym, yoga, Zumba)
- 20 reward points per ₹200 at chemists/pharmacies (Mastercard MCC 5912, 8099) and 4 points per ₹200 elsewhere; 5X points on the first 3 standing-instruction payments for each of the first 5 billers registered on YES PayNow
- Credit shield cover on accidental death of the primary cardmember
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions, max ₹125 per cycle
Pros
- + Low ₹499 fee for a bundle of annual check-ups and monthly fitness sessions
- + About 2.5% value back on pharmacy spends
- + Lower income requirement (₹20,000 net monthly salary)
Cons
- − No spend-based fee waiver
- − Only 0.5% value on non-pharmacy spends; 3.5% forex markup
- − No lounge access, and only available in 12 metro and tier-1 cities