All cards / Yes Bank
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.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
0.75%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.75% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year (max 2 per quarter) across 30+ airport lounges in India
- Insurance benefits: Complimentary air accident insurance and overseas emergency medical coverage
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 ₹500–₹3,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹3,000 at all fuel stations in India, capped per statement cycle
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 ₹500–₹3,000
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