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Credit Cards · India

YES Bank Wellness Credit Card

Updated 3 Jul 2026Source-linked

The YES Bank Wellness Credit Card is a entry credit card from YES Bank, with a joining fee of ₹499 + GST.

It earns up to 20 pts per ₹200 (≈1.8% value) on chemist pharmacy spends in the form of yes rewardz points (points).

Welcome benefit: Amazon voucher worth ₹300 + complimentary health check-up.

YES Bank logo
YES Bank Wellness Credit Card
Mastercard logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForEveryday spends
  • Reward TypeYES Rewardz Points (points)
Rewards Rate
  • 20 pts per ₹200 on chemist pharmacy
  • Base 0.36% on other spends
Welcome Benefits
  • Amazon voucher worth ₹300 + complimentary health check-up
Data verified 3 Jul 2026 — see our methodology
YES Bank logoYESMastercard logoplatinumentry
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Rewards and Benefits

Rewards Rate
20 pts per ₹200 on chemist pharmacy
Base 0.36% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
Amazon voucher worth ₹300 + complimentary health check-up
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • 24x7 doctor consultations — Complimentary 24x7 consultations with doctors + digital health assessment with face scan.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹54/mo
  • Groceries₹8,000 · 0.4% = ₹29/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹29/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹36/mo
  • Utilities & bills₹5,000 · 0.4% = ₹18/mo
Est.net rewards for this spend, realistic
₹1,488/yr

₹1,987 rewards − ₹499 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by YES Bank.
  • Joining / annual fee of ₹499 + GST.
  • Available on the Mastercard network.

Pros & Cons

Pros

No derived pros.

Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹300 welcome benefit

  • Amazon voucher worth ₹300 + complimentary health check-up
    Complimentary health check-up availed
    Window: 90 days from issuance.

Accelerated rewards

  • 20 pts per ₹200 on chemist pharmacy
    20 YES Rewardz per ₹200 at Chemists/Pharmaceutical stores (MCC 5912); 4 per ₹200 on other categories.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Other benefits

  • 24x7 doctor consultations. Complimentary 24x7 consultations with doctors + digital health assessment with face scan.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
Tagsentrypointswellnesshealth