Yes Bank Wellness Plus Visa Credit Card
YES Bank
last updated: Nov 28, 2025
₹1,499
₹1,499
3.5%
8 visits/yr
Contents
The Yes Bank Wellness Plus Visa is a health-and-wellness focused card that rewards pharmacy and medical spends while offering complimentary wellness services and domestic lounge access. It suits customers who prioritise health, consultations and medicines but still want a standard rewards programme on regular retail spends. The card balances healthcare perks with a mid-tier joining/annual fee—worth considering if you spend often on pharma, doctor consultations or fitness.
Features of Yes Bank Wellness Plus Visa Credit Card which makes it unique
Wellness Sessions
Complimentary or discounted health & fitness sessions (gyms, yoga, diagnostics) via partner platforms
Supports preventive health and regular wellness
Better wellness tie-ups compared with generic lifestyle cards
Pharmacy Accelerated Rewards
Significantly higher points on chemist/pharmacy spends
Makes the card attractive for recurring medicine purchases
Higher pharmacy earn than typical travel or shopping cards
Rewards Structure of Yes Bank Wellness Plus Visa Credit Card
Medicines
acceleratedPharmacies and chemists (online & offline)
High earn rate for pharmacy/medicine spends — primary card strength.
Online Shopping
acceleratedSelected e-commerce merchants (check bank offers)
Higher-than-base earn on many online categories during bank promotions.
Base Rewards
baseAll other retail spends
Standard reward rate for everyday spends.
Milestones of Yes Bank Wellness Plus Visa Credit Card
Quarterly Wellness Reward
₹50,000 (quarter) : Wellness credit or voucher (subject to campaign; check T&Cs)
Fees & Charges of Yes Bank Wellness Plus Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Standard renewal; fee may be waived or reversed based on periodic bank promotions or spend-based waiver if available. Check YES Bank T&Cs for current waiver rules.
Fee Explanation Standard YES Bank credit card charges and published rates apply for overdue amounts, cash advances and other service fees; refer to the bank's rates & charges for exact slab-wise calculations and GST applicability.
Lounge Access Benefits with Yes Bank Wellness Plus Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Typically 2 complimentary visits per quarter at select domestic lounges; verify participating lounges in bank portal.
Insurance Coverage with Yes Bank Wellness Plus Visa Credit Card
Medical/Health Consultation Cover
As per partner programmeComplimentary teleconsultations and discounted health check-ups via partner (AB Multiply / partner network).
Purchase Protection / Credit Shield
Subject to card termsStandard card-linked protection available; read full terms in bank policy documents.
Additional Features of Yes Bank Wellness Plus Visa Credit Card
Contactless Payments
Tap-and-pay enabled for quick payments
Add-on Cards
Add-on cards available as per YES Bank policy
Add-on card annual fee may apply; check bank specifics.
Welcome Bonus with Yes Bank Wellness Plus Visa Credit Card
Welcome Bonus: ₹500 Amazon voucher on joining plus accelerated points on pharmacy spends for new customers.
Bonus Conditions: Offer for new customers; voucher issued on successful payment of joining fee and within 60 days of card activation. Subject to YES Bank T&Cs.
Application Process for Yes Bank Wellness Plus Visa Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via YES Bank credit cards page or fintech partner
Complete eKYC and upload PAN/Aadhaar + income documents (if required)
Receive bank verification call and document review
Card dispatched after approval; delivery timelines vary (typically within 7–10 business days)
Required Documents for Yes Bank Wellness Plus Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Yes Bank Wellness Plus Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (Visa network)
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Wellness Plus Visa Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; KYC and income documents required as per bank policy.
How Approval Is Decided
- Minimum income as per bank policy (salaried / self-employed thresholds apply)
- Indian resident with valid KYC
- Acceptable credit score (650+ recommended) and positive credit history
Pros of Yes Bank Wellness Plus Visa Credit Card
- Strong, healthcare-focused rewards on medicines and health services
- Complimentary domestic lounge visits (select number per year)
- Useful wellness/consultation benefits via partners
Cons of Yes Bank Wellness Plus Visa Credit Card
- Joining and annual fee in mid-tier range (₹1,499)
- Higher forex markup compared with premium travel cards (3.5%)
- Many health benefits run via partner app—booking & redemption rules apply
Frequently Asked Questions about Yes Bank Wellness Plus Visa Credit Card
Are wellness consultations and health check-ups truly complimentary?
Yes — the card provides complimentary or discounted consulting sessions and health check-ups through partner platforms (e.g., AB Multiply or partner network). Specific limits and booking channels apply.
Is there a joining fee for Yes Bank Wellness Plus Visa?
Yes, the standard joining and annual fee is ₹1,499 (check YES Bank promotions — joining fee offers may vary).
What is the welcome benefit?
New customers typically receive a ₹500 Amazon voucher on successful joining and first payment of joining fee; voucher issuance subject to bank conditions.
What is the rate of rewards on pharmacy spends?
Pharmacy/chemist purchases earn an accelerated rate (commonly 30 Reward Points per ₹200 as advertised by card sources). Actual earn rates and eligible merchant codes are defined by YES Bank.
How many complimentary airport lounge visits do I get?
Wellness Plus generally includes domestic lounge access — typically 2 visits per quarter (8 per year) at select lounges; guest access may be restricted.
What is the foreign currency markup (forex fee)?
Foreign currency markup is commonly 3.5% on international and forex transactions for this card; confirm current percentage on YES Bank's rates & charges page.
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