YES Bank Wellness Credit Card

Welcome to a new era of holistic well-being with the YES Bank Wellness Credit Card. Beyond a mere financial tool, it’s a partner in your journey to health and happiness. This innovative card rewards your wellness pursuits, offering benefits that nourish your body and your finances. From fitness incentives to medical spends coverage, the YES Bank Wellness Credit Card is designed to align with your healthier lifestyle.

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YES Bank Wellness Credit Card

The YES Bank Wellness Credit Card is a unique offering designed to cater to individuals who prioritize their health and well-being. Developed in collaboration with Aditya Birla Wellness Pvt. Ltd., this credit card presents a special opportunity to earn rewards and benefits centered around self-care and a wholesome lifestyle. As a part of this partnership, cardholders can access various health-oriented advantages such as complimentary health checkups, consultations with medical professionals, and fitness sessions. The YES Bank Wellness Credit Card not only promotes physical well-being but also enables the redemption of reward points across diverse categories, enhancing its appeal. For those seeking to proactively manage their health goals, this card serves as a powerful tool, encouraging individuals to embrace a healthier and more robust way of life while enjoying the perks it offers.

Features and Benefits of YES Bank Wellness Credit Card

  • Complimentary Health Benefits:
    Get a free health check-up every year (checks 25 health measures).
    You also get an eye and dental check-up every year.
    You can talk to a general doctor, specialist, or nutritionist using an app anytime you want.
  • Fitness Sessions For You: Enjoy 6 free fitness sessions each month. These can be at a gym, yoga class, Zumba, and more.
  • Preferred Points Program:
    You earn more rewards when you spend money at chemist shops and on medicines.
    When you spend ₹200, you get 20 reward points.
  • Reward Points Redemption: You can use your reward points to book flights, hotels, movie tickets, or choose from a special list of products.
  • Dining Fiesta Program: If you love eating out, you’re in luck! You’ll get at least 15% off when dining at certain restaurants using your YES Bank Credit Card.
  • Insurance Coverage: If something happens to you, there’s insurance that can help. This insurance covers accidents that result in the primary cardholder’s death.
  • Fuel Surcharge Waiver: When you buy fuel (between ₹400 to ₹5,000) in India, you won’t have to pay the extra 1% charge.
  • Earning Reward Points:
    Spend ₹200 at chemists or pharmaceutical stores, and you’ll get 20 reward points.
    Spend ₹200 on other things, and you’ll get 4 reward points.
  • Air Miles: You can turn your reward points into air miles for traveling. 10 reward points can get you 1 InterMile or 1 Club Vistara Point.

YES Bank Wellness Credit Card Fees and Charges

  • First Year Membership Fee: ₹749* plus taxes.
  • Renewal Membership Fee: ₹749* plus taxes.
    (This fee is for new cards issued on or after 1st July 2022. Cards issued before this date will have the fees mentioned when they got the card.)
  • Interest Rates: If you don’t pay your full credit card bill each month, you’ll be charged 3.80% every month (which adds up to 45.60% in a year). This applies to amounts you carry over from month to month, cash you withdraw, and overdue amounts.
  • Transaction Charges:
    When you make transactions with your card like renting something or using a digital wallet, you’ll be charged either a minimum of 0.75% of the transaction amount or ₹1, whichever is higher.
    These charges apply when the transaction amount is more than ₹1.
    Also, note that if you make rental transactions, you can have up to 3 of them every 30 days.

YES Bank Wellness Credit Card Eligibility

  • Age should be between 21 to 60 years.
  • Salaried or Self-employed individuals.
  • Minimum net salary of INR 20,000 per month or Income Tax Return of INR 7.5 lakh and above.
  • This card is only offered in these cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, and Navi Mumbai.

Documents Required for YES Bank Wellness Credit Card

  • Identity Proof: Aadhar Card/ Voter ID/ Driving License, etc.
  • Address Proof: Ration Card/ Voter ID/ Passport, etc.
  • Income Proof: Form 16/ IT Returns/ Salary Slips, etc.

How to apply for YES Bank Wellness Credit Card?

  1. Go to the official website of YES Bank (
  2. Look for the details of YES Bank Wellness Credit Card, including its features, benefits, eligibility criteria, and fees.
  3. Online Application: You can fill out the credit card application form on their website. You will need to provide personal and financial information as well as upload the required documents.
  4. Offline Application: If you prefer an offline approach, you can visit a YES Bank branch or contact their customer service. They will guide you through the application process and provide you with a physical application form if needed.
  5. Whether you apply online or offline, you will need to submit the required documents for verification. These documents are used to assess your eligibility and creditworthiness.
  6. After submitting your application and documents, YES Bank will review your application. They will evaluate your credit history, income, and other relevant factors to determine your eligibility for the Wellness Credit Card.
  7. If your application meets the bank’s criteria, you will receive an approval notification. This could be via email, SMS, or a phone call.
  8. Once approved, YES Bank will send your YES Bank Wellness Credit Card to the address you provided during the application process.


The YES Bank Wellness Credit Card is a specialized credit card designed to offer unique health and wellness-related benefits to cardholders. It provides features such as wellness rewards, health check-up vouchers, and discounts on healthcare services.

To apply for the YES Bank Wellness Credit Card, you can visit the official YES Bank website or a YES Bank branch. The application process typically involves submitting personal and financial details for evaluation.

Key features include wellness rewards on health-related spending, complimentary health check-up vouchers, discounts on medical services, and rewards on fitness and wellness transactions.

Wellness rewards are typically earned on eligible health and fitness transactions. The exact earning structure may vary, and it’s advisable to check the official terms and conditions for the most accurate information.

Yes, the card may have an annual fee associated with it. However, certain fees may be waived off based on spending patterns or as part of promotional offers. Refer to the terms and conditions for details on the fee structure.

Yes, wellness rewards earned on the card can often be redeemed for health check-ups, fitness classes, or other health-related services. The redemption process is typically available through the bank’s rewards portal or customer service.

Some credit cards, including wellness cards, may offer insurance benefits. Check the terms and conditions or contact YES Bank customer service to understand the insurance coverage associated with the Wellness Credit Card.

Yes, the YES Bank Wellness Credit Card usually provides online banking facilities and a mobile app where cardholders can track wellness-related expenses, view statements, make payments, and manage their credit card account.

The availability of health check-up vouchers and wellness rewards may be subject to the policies of partnering healthcare providers. Check with YES Bank or review the card’s terms and conditions for details on participating establishments.

You can contact YES Bank customer service through their dedicated helpline or visit a YES Bank branch. Additionally, many queries can be addressed through the online banking portal or mobile app. Refer to the official website for contact details.