YES BANK Wellness Credit Card
YES BANK
₹499
Joining fee
₹499
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed; minimum income Rs 20,000/month salary OR Rs 7.5 lakh ITR.
Lounge access
0 domestic / 0 international visits per year
Reward details
4 points per Rs 200 on retail spends
- 20 points per Rs 200 spent on Pharmacy/chemists
- eligible but capped on Utility spends — max 300 points/month
Redemption
Via YES Rewardz platform, specific values not detailed
Excluded from rewards: rental, fuel, wallet, cash advance fees, government, marketing, EMI transactions
- Annual preventive checkup (25 parameters), eye/dental checkup, unlimited specialist consultations via the AB Multiply app
- 1% fuel surcharge waiver up to Rs 125/month on Rs 400-5,000 fuel spends
- Credit shield insurance cover for accidental death
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated savings at chemists; complimentary health checkups; unlimited specialist consultations valued — Paisabazaar
Complaints
- Low value-back rate on non-medicinal spends; health services limited to the AB Multiply app; minimal benefits outside health categories — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, sentiment