← Part of Yes Bank Credit Cards in India
The YES Bank Wellness Credit Card, launched in collaboration with Aditya Birla Wellness Private Limited, offers substantial health and wellness benefits for Indian cardholders. As of 2026, IT provides 20 Reward Points per ₹200 spent at chemist and pharmaceutical stores, alongside a ₹2.5 lakh credit shield cover for accidental death of the primary cardmember.
| Parameter | Details |
|---|---|
| Card Type | Health & Wellness Credit Card |
| Issuing Bank | YES Bank (incorporated November 2003) |
| Collaboration Partner | Aditya Birla Wellness Private Limited |
| Annual Fee (Wellness Card) | ₹749 plus applicable taxes |
| Annual Fee (Wellness Plus Card) | ₹1,499 plus applicable taxes |
| Reward Points on Chemist/Pharma Spends (Wellness Card) | 20 Reward Points per ₹200 spent |
| Reward Points on Chemist/Pharma Spends (Wellness Plus Card) | 30 Reward Points (5X) per ₹200 spent |
| Reward Points on Other Categories (Wellness Card) | 4 Reward Points per ₹200 spent |
| Reward Points on Other Categories (Wellness Plus Card) | 6 Reward Points per ₹200 spent |
| Reward Points on Utility Spends (Wellness Card) | Capped at ₹300 per month |
| Fuel Surcharge Waiver | 1% at all fuel stations across India (for transactions between ₹400 & ₹5,000) |
| Domestic Lounge Access (Wellness Card) | 0 visits per quarter |
| Domestic Lounge Access (Wellness Plus Card) | Up to 2 visits per quarter |
| Credit Shield Cover (Wellness Card) | ₹2.5 Lakhs (accidental death of primary cardmember) |
| Life Insurance Cover (Wellness Plus Card) | ₹1 crore (death due to flight accident) |
| Reward Points Redemption Value (Hotel/Flight Bookings) | 1 Reward Point = ₹0.25 (via YES Rewardz) |
| Reward Points to Air Miles Conversion (Wellness Card) | 10 Reward Points = 1 InterMile / 1 Club Vistara Point |
| Reward Points to Air India Maharaja Club Points (Wellness Plus Card) | 15 Reward Points = 1 Maharaja Point |
| Dining Discount | Minimum 15% at select restaurants |
| Customer Care (Toll-Free) | 18001031212 |
| Customer Care (Outside India) | +91 22 49350000 |
The card focuses on rewarding health-related expenditures, making IT suitable for individuals with regular medical and wellness needs.
Wellness Credit Card: Features & Benefits
The YES Bank Wellness Credit Card, launched in partnership with Aditya Birla Wellness Pvt. Ltd., offers extensive health and lifestyle benefits for Indian residents. This card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, along with a credit shield cover of ₹2.5 lakh for accidental death of the primary cardmember.
| Feature | Details | Key Benefit |
|---|---|---|
| Health & Wellness Benefits | Complimentary annual health check-ups, unlimited consultations with nutritionists, general practitioners, and specialists via the Aditya Birla Wellness Multiply app. The Wellness Plus variant offers 12 complimentary fitness sessions monthly. | Prioritizes overall health and self-care with full medical and fitness support. |
| Reward Points on Pharmaceutical/Chemist Spends (Wellness Plus) | Earn 5X Reward Points (30 RPs) per ₹200 spent on pharmaceutical and chemist stores. | Accelerated savings and value-back on medicine-related purchases. |
| Reward Points on Pharmaceutical/Chemist Spends (Wellness) | Earn 20 Reward Points per ₹200 spent on chemist and pharmaceutical stores. | d value-back on health-related expenditures. |
| Reward Points on Other Spends (Wellness Plus) | Earn 6 Reward Points per ₹200 spent on all other categories. | Accumulate rewards on everyday spending across various categories. |
| Reward Points on Other Spends (Wellness) | Earn 4 Reward Points per ₹200 spent on all other categories, including utility bills. | Consistent reward earning on diverse daily transactions. |
| Reward Points Redemption | Redeem points on the dedicated YES Rewardz website for flights, hotels, movie tickets, gift vouchers, and product catalogs. Conversion to Air Miles: 10 Reward Points = 1 InterMile/1 Club Vistara Point (Wellness); 15 Reward Points = 1 Maharaja Point (Wellness Plus). | Flexible redemption options for travel, entertainment, and shopping. |
| Domestic Lounge Access (Wellness Plus) | Receive 2 complimentary domestic lounge visits per quarter at over 30 airport lounges across India. | d travel experience with comfortable airport lounge access. |
| Fuel Surcharge Waiver | A 1% waiver on fuel surcharge for all fuel transactions between ₹400 and ₹5,000 at any fuel station in India. | Direct savings on fuel expenses. |
| Credit Shield Cover (Wellness) | Provides a credit shield cover of ₹2.5 lakh in case of accidental death of the primary cardmember. | Offers financial protection for the cardholder’s family. |
| Life Insurance Cover (Wellness Plus) | Includes a life insurance cover of up to ₹1 crore in case of death due to a flight accident. | Significant financial security for the cardholder’s family during air travel. |
| Dining Discounts | Receive a minimum 15% discount on dining at select partner restaurants through YES Privileges. | Savings on dining experiences. |
| Discounts & Offers | Access great offers and discounts on movies, shopping, travel, and wellness at participating locations via YES Privileges. | Additional savings across various lifestyle categories. |
| Utility Spends CAP | Rewards on utility spends are capped at ₹300 per month for the YES Bank Wellness Credit Card. | Manages reward accumulation on recurring utility payments. |
The YES Bank Wellness Credit Card and its Plus variant are designed to integrate financial benefits with health and wellness incentives, offering substantial value on medical expenses and lifestyle spending as of 2026.
Fees, Charges & Reward Points
The YES Bank Wellness Credit Card carries a joining fee of ₹749 plus applicable taxes, with the same amount charged annually for renewal. Cardholders earn 20 reward points for every ₹200 spent on chemist and pharmaceutical transactions, while other categories yield 4 reward points per ₹200.
| Metric | Value (₹) | Details |
|---|---|---|
| Joining Fee (Wellness Credit Card) | ₹749 + GST | One-time fee upon card issuance. |
| Annual Fee (Wellness Credit Card) | ₹749 + GST | Charged annually from the second year; no spend-based waiver. |
| Joining Fee (Wellness Plus Credit Card) | ₹1,499 + GST | One-time fee for the premium variant. |
| Renewal Fee (Wellness Plus Credit Card) | ₹1,499 + GST | Charged annually from the second year for the premium variant. |
| Interest Rate on Overdue/Revolving Credit/Cash Advances | 3.5% per month (42% annually) | Applicable on outstanding balances, cash advances, and overdue amounts. |
| Cash Advance Fee | 2.5% of transaction amount or ₹300, whichever is higher | Fee for withdrawing cash using the credit card. |
| Charges for Rental & Wallet Transactions | Minimum 1% of transaction value or ₹1, whichever is higher | Applicable on all rental and wallet transactions above ₹1. |
| Utility Payment Charge (effective Jan 15, 2026) | 1% of transaction amount + GST | Levied if overall utility spend exceeds ₹15,000, ₹25,000, or ₹50,000 in a calendar month (varies by card variant). Maximum fee ₹5,000 per transaction. |
| Reward Points (Wellness Credit Card – Chemist/Pharmaceuticals) | 20 RPs per ₹200 spent | Accelerated rewards on health-related purchases. |
| Reward Points (Wellness Credit Card – Other Categories) | 4 RPs per ₹200 spent | Base reward rate on all other eligible spends, including utility payments. |
| Reward Points (Wellness Plus Credit Card – Chemist/Pharmaceuticals) | 30 RPs per ₹200 spent (5X) | d 5X Reward Points on health-related purchases for the premium variant. |
| Reward Points (Wellness Plus Credit Card – Other Categories) | 6 RPs per ₹200 spent | Base reward rate on other eligible spends for the premium variant. |
| Reward Redemption Fee | ₹100 + GST | Applicable per redemption request through the YES Rewardz portal (effective June 15, 2026, for some cards). |
| Fuel Surcharge Waiver | 1% | For transactions between ₹400 and ₹5,000 at all fuel stations in India. |
| Credit Shield Cover | ₹2.5 Lakhs | Applicable in case of accidental death of the primary cardmember. |
The card’s fee structure is straightforward, with a clear distinction between the Wellness and Wellness Plus variants, reflecting their respective benefit tiers. Reward points can be redeemed via the YES Rewardz portal, with varying values for flights, hotels, and gift vouchers.
Eligibility & Application Process
To apply for the YES Bank Wellness Credit Card in 2026, applicants must generally be salaried or self-employed individuals aged between 21 and 60 years. The card is available to residents in specific Indian cities, including Ahmedabad, Bengaluru, Chennai, Delhi & NCR, Hyderabad, Kolkata, Mumbai, and Pune.
The application process involves meeting these criteria and submitting necessary documents to YES Bank.
- Age Requirement: Primary cardholders must be between 21 and 60 years old. Add-on cardholders can be 18 years or older.
- Employment Status: Both salaried employees and self-employed individuals are eligible to apply for the card.
- Income Criteria: While specific minimum income figures vary, most YES Bank credit cards require a stable income source.
- Residency: The card is primarily offered to residents of major Indian cities, including Ahmedabad, Bengaluru, Chennai, Delhi & NCR, Hyderabad, Kolkata, Mumbai, and Pune.
- Credit Score: A strong CIBIL score, typically 750 or above, approval chances and may lead to better credit limits.
- Required Documents: Applicants need to provide identity proof (PAN card, Aadhaar card), address proof (utility bills, passport), and income proof (salary slips, bank statements, IT returns).
- Online Application: The application can be initiated through the official YES Bank website by filling out an online form.
- Offline Application: Alternatively, applicants can visit a YES Bank branch to complete the application process with assistance from bank representatives.
After submitting the application, YES Bank reviews the details and documents before approving the credit card.
Health & Wellness Advantages
The YES Bank Wellness Credit Card, launched in partnership with Aditya Birla Wellness Pvt. Ltd., focuses on health-centric benefits for cardholders in India. As of 2026, IT offers full health check-ups and fitness sessions to promote overall well-being.
- Annual Health Check-ups: Cardholders receive complimentary annual health check-ups, a key benefit for preventive care.
- Fitness Sessions: The card provides invigorating fitness sessions, with the Wellness Plus variant offering 12 complimentary sessions monthly.
- Medical Consultations: Unlimited consultations with nutritionists, general practitioners, and specialists are available via the Aditya Birla Wellness Multiply app.
- Pharmaceutical Rewards: Earn accelerated rewards for spending at pharmaceutical stores, providing value-back on medicinal purchases.
- Credit Shield Cover: A credit shield cover of ₹2.5 lakh is included, applicable in case of accidental death of the primary cardmember.
- Life Insurance Cover: The Wellness Plus variant offers a life insurance cover of ₹1 crore for death due to a flight accident.
- Wellness App Access: Access to the Aditya Birla Wellness Multiply app health management with personalized diet plans and round-the-clock helplines.
These advantages are designed to support a healthy lifestyle and provide financial protection against specific health-related contingencies.
Wellness vs Wellness Plus Card
The YES Bank Wellness Credit Card and Wellness Plus Credit Card are both health-focused offerings, launched in partnership with Aditya Birla Wellness Private Limited. The Wellness Plus variant offers d benefits, including more complimentary fitness sessions and domestic airport lounge access, for a higher joining fee of ₹1,499 plus taxes.
| Feature | Wellness Credit Card | Wellness Plus Credit Card |
|---|---|---|
| Card Type | Health-oriented credit card | Premium health-oriented credit card |
| Joining Fee | ₹749 + GST | ₹1,499 + GST |
| Annual Fee | ₹749 + taxes | ₹1,499 + GST (from year 2 onwards) |
| Reward Points on Chemist/Pharmaceutical Spends | 20 Reward Points per ₹200 spent (5X) | 30 Reward Points per ₹200 spent (5X) |
| Reward Points on Other Spends | 4 Reward Points per ₹200 spent | 6 Reward Points per ₹200 spent |
| Complimentary Fitness Sessions per Month | 6 sessions | 12 sessions |
| Domestic Airport Lounge Access | None | 2 complimentary visits per quarter |
| Credit Shield Cover | ₹2.5 Lakhs (accidental death of primary cardmember) | Not specified (offers ₹1 crore flight accident cover) |
| Life Insurance Cover | Not specified | ₹1 crore (death due to flight accident) |
| Fuel Surcharge Waiver | 1% (transactions ₹400-₹5,000) | 1% (transactions ₹400-₹5,000) |
| Interest Rate (Overdue/Revolving Credit) | 3.5% per month (42% annually) | 3.80% per month (45.60% annually) |
| Availability | Pan-India (check specific city eligibility) | Ahmedabad, Bangalore, Chennai, Delhi & NCR, Hyderabad, Kolkata, Mumbai, Pune, Thane, Navi Mumbai, Chandigarh, Jaipur |
The Wellness Plus card provides d travel benefits with domestic lounge access and a higher life insurance cover, catering to users seeking more premium health and lifestyle advantages.
Redeeming Reward Points
YES Bank Wellness Credit Cardholders can redeem accumulated YES Rewardz Points via the dedicated YES Rewardz website. As of 2026, these points offer varied values depending on the redemption category.
- Redemption Platform: All reward points are redeemable through the YES Rewardz dedicated website, which features an exclusive catalogue of products and services.
- Shopping Value: For general shopping, each Reward Point holds a value of ₹0.25 when redeemed through the YES Rewardz platform.
- Travel Bookings: For flight and hotel bookings made via YES Rewardz, each Reward Point is valued at ₹0.25, providing direct savings on travel.
- Air Miles Conversion (Wellness Card): YES Bank Wellness Credit Card points can convert to Air Miles at a rate of 10 Reward Points for 1 InterMile or 1 Club Vistara Point.
- Air Miles Conversion (Wellness Plus Card): For the Wellness Plus variant, 15 Reward Points convert to 1 Air India Maharaja Club Point, offering value for frequent flyers.
- Gift Vouchers & Products: When redeeming for gift vouchers or products from the catalogue, each Reward Point is valued at Re. 0.10.
- Exclusions: Reward points are not earned on transactions for fuel, rent, wallet loads, government services, marketing, advertising, EMI transactions, or cash withdrawals.
Cardholders should regularly check the YES Rewardz portal for the latest redemption options and point values to maximize their benefits.
Customer Care & Support
YES Bank offers dedicated customer care for its credit cardholders, including the Wellness Credit Card, accessible via a toll-free number and an international helpline. Cardholders can manage their card features, report issues, and seek assistance for benefits like health check-ups and fitness sessions through these channels. As of 2026, YES Bank operates 3,932 branches across India, providing in-person support for various banking services.
For immediate assistance, the YES Bank Credit Card toll-free customer care number is 18001031212. Customers outside India can contact +91 22 49350000 for support related to their Wellness Credit Card. These services help cardholders with queries regarding their card’s health benefits, reward point redemption, or any transactional issues.
Cardholders can also manage several aspects of their Wellness Credit Card online or through the mobile app. This includes modifying billing cycles, enabling or disabling overlimit options, controlling domestic and international transaction limits, and blocking or unblocking their card. The bank aims to provide full support to ensure cardholders maximize their health and wellness benefits.
Key Takeaways
- YES Bank provides 24/7 customer support for Wellness Credit Cardholders via a toll-free number (18001031212) and an international helpline (+91 22 49350000).
- Cardholders can manage card features like limits, billing cycles, and card blocking through digital channels or by visiting one of YES Bank’s 3,932 branches across India (as of 2026).
- Support extends to specific card benefits, including full health check-ups, fitness sessions, and unlimited consultations with nutritionists and general practitioners via the Aditya Birla Wellness Multiply app.
For detailed information or to address specific concerns, contact YES Bank customer care directly or visit their official website.
Frequently Asked Questions (FAQs)
Does the YES Bank Wellness Credit Card offer airport lounge access?
No, the standard YES Bank Wellness Credit Card does not offer airport lounge access. However, its premium variant, the YES Bank Wellness Plus Credit Card, provides 2 complimentary domestic lounge visits per quarter within India as of June 2026.
What are the main benefits of the YES Bank Wellness Credit Card?
The YES Bank Wellness Credit Card focuses on health and wellness, offering accelerated savings at chemists and pharmaceutical stores. IT also provides benefits on self-care, medical check-ups, consultations, and fitness sessions through its partnership with Aditya Birla Wellness Private Limited.
Does the YES Bank Wellness Credit Card include complimentary annual health check-ups?
Yes, both the YES Bank Wellness Credit Card and the YES Bank Wellness Plus Credit Card offer the benefit of complimentary annual health check-ups. This is a key feature designed to support users’ overall health and wellness.
What is the minimum income required for the YES Bank Wellness Credit Card?
While specific minimum income requirements for the YES Bank Wellness Credit Card can vary, some health and wellness credit cards in India may require a minimum monthly income of ₹25,000. IT is best to check the latest eligibility criteria directly with YES Bank as of 2026.
Does the YES Bank Wellness Plus Credit Card offer life insurance cover?
Yes, the YES Bank Wellness Plus Credit Card offers a life insurance cover of up to ₹1 crore. This cover is specifically for death due to a flight accident, adding a significant protection benefit for cardholders.
How do I earn reward points with the YES Bank Wellness Credit Card?
The YES Bank Wellness Credit Card offers accelerated reward points on spends at chemists and pharmaceutical stores. The Wellness Plus variant also provides 5X reward points on the first three transactions of billers registered on YES PayNow, applicable for the first five listed billers.
What is the difference between the YES Bank Wellness Credit Card and Wellness Plus Credit Card?
The YES Bank Wellness Plus Credit Card is a premium variant of the standard Wellness Credit Card, offering d benefits. For example, the Wellness Plus card includes 2 complimentary domestic lounge visits per quarter and a ₹1 crore flight accident life insurance cover, which the base card does not.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.