YES Bank Wellness Plus Credit Card

A genuinely niche co-brand with Aditya Birla Multiply — 3.75% effective back at pharmacies plus a real bundle of fitness classes and telehealth consults — that's easy to underrate if health and wellness aren't already part of your monthly spend.

Rates and fees last verified 15 July 2026.

Annual fee

₹999

Joining fee

₹0

Reward type

points

Base reward rate

0.75%

Card network

Visa

Card tier

Mid

Benefits by category

✈️ Travel
2 complimentary domestic lounge visits per quarter
🛡️ Insurance
Unlimited 24x7 teleconsultations with general physicians, specialists, nutritionists, and mental health counsellors
⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹5,000

Eligibility

Minimum credit score: 700
Minimum monthly income: ₹25,000
Employment: salaried, self-employed
Age: 21–60

Benefits

12 complimentary fitness sessions/month (gym, yoga, Zumba) via the Aditya Birla Multiply app, in-studio or virtual
Unlimited 24x7 teleconsultations with general physicians, specialists, nutritionists, and mental health counsellors
2 complimentary domestic lounge visits per quarter
1% fuel surcharge waiver on transactions between ₹400–₹5,000

Pros

+ Strong pharmacy-linked reward rate
+ 12 fitness sessions/month bundled in via Aditya Birla Multiply
+ Unlimited telehealth consultations

Cons

− Value is concentrated in health/wellness use cases
− Base rate outside pharmacy spend is unremarkable
− ₹999 annual fee with no confirmed waiver path

Apply on Yes Bank's site