Yes Bank Wellness Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
8 visits/yr
Contents
The YES Bank Wellness Visa Credit Card is built for health-conscious cardholders who want rewards on medical and wellness spends plus lifestyle benefits. It earns accelerated points at chemists and pharmacy outlets, gives complimentary fitness sessions and annual preventive health checks, and includes modest travel and purchase protections. Ideal for regular pharmacy shoppers and users who prioritise health perks alongside standard reward earnings.
Features of Yes Bank Wellness Visa Credit Card which makes it unique
Complimentary Fitness Sessions
Monthly allocation of fitness sessions at partner studios or virtual classes
Access to gym, yoga, Zumba and other classes without extra cost
Better wellness perks than basic reward cards
Preventive Health Check
One preventive health check (selected parameters) annually
Encourages preventive healthcare and early detection
Unique to health-focused credit cards
Rewards Structure of Yes Bank Wellness Visa Credit Card
Chemists & Pharmacies
acceleratedChemist and pharmacy merchants
High earn rate for medicines and pharmacy purchases.
Other Retail
baseAll other retail spends
Standard earn rate on retail and lifestyle spends.
Bill Payments & Utilities
baseSelected billers and utility payments
Certain categories such as wallet loads and rent may be excluded from rewards.
Milestones of Yes Bank Wellness Visa Credit Card
Quarterly Spend Benefit
₹50,000 : ₹500 statement credit
Annual Wellness Reward
₹2,00,000 : Complimentary premium health check or equivalent benefit
Fees & Charges of Yes Bank Wellness Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on ₹1,00,000 annual spend or eligible spends as per bank policy.
Fee Explanation Standard bank rates apply for overdue amounts; cash advance/withdrawal fees referenced are percentage-based with minimum rupee limits as per YES Bank T&C.
Detailed Explanation of Yes Bank Wellness Visa Credit Card Fees
Annual Fee: 499 (yearly)
Waived on ₹1L annual spend or as per bank's waiver policy.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction; cash advance interest applies from date of withdrawal.
Lounge Access Benefits with Yes Bank Wellness Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Domestic lounge visits subject to specific card tier terms; check YES Bank lounge list.
Insurance Coverage with Yes Bank Wellness Visa Credit Card
Travel Insurance
₹5,00,000Primary cardholder coverage for eligible international travel; terms & exclusions apply.
Purchase Protection
₹50,000Covers eligible purchases against theft/damage within a fixed period; T&C apply.
Additional Features of Yes Bank Wellness Visa Credit Card
Contactless Payments
Tap-and-pay enabled for fast payments
Add-on Cards
Add-on cards available subject to bank approval
Welcome Bonus with Yes Bank Wellness Visa Credit Card
Welcome Bonus: NA
Bonus Conditions: Welcome bonus applicable for new cardholders only after eligible spends within first 60 days; T&Cs apply.
Application Process for Yes Bank Wellness Visa Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via YES Bank or Finanjo portal
Complete eligibility check and upload KYC documents
Receive verification call from bank
Card dispatched within 5-7 business days on approval
Required Documents for Yes Bank Wellness Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Yes Bank Wellness Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at Visa-accepting merchants
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Wellness Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹500,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must hold a valid PAN and Aadhaar; bank may require additional KYC/income documents.
How Approval Is Decided
- Minimum income ₹25,000/month (salaried) or appropriate self-employed income
- Resident Indian with valid PAN and Aadhaar
- Credit score typically 650+ (subject to bank discretion)
Pros of Yes Bank Wellness Visa Credit Card
- Strong rewards on medical and pharmacy spends
- Wellness benefits (fitness sessions and health check)
- Reasonable annual fee with waiver options
Cons of Yes Bank Wellness Visa Credit Card
- Rewards outside health categories are modest
- Some exclusions (wallet loads, insurance payments) may not earn points
- Welcome bonus terms and milestone rewards require specific spend thresholds
Frequently Asked Questions about Yes Bank Wellness Visa Credit Card
Is there a joining fee?
Yes. The joining fee is ₹499 (current public offers may vary). First-year and renewal fees are subject to bank promotions and waiver criteria.
What is the welcome bonus?
Welcome bonus: Earn 20 reward points per ₹200 at chemists on eligible spends within the first 60 days (new customers only).
How do I earn fitness and wellness benefits?
Fitness sessions and annual health checks are provided via YES Bank's wellness partners; enrolment and partner booking steps are available on the YES Bank rewards/wellness portal.
What are the reward redemption options?
Reward points can be redeemed via the YES Rewards catalogue for vouchers, flight/hotel bookings through partners, or statement credit as per the bank's redemption rules.
How can I get the annual fee waived?
Annual fee waiver is typically available on achieving specified annual spends (e.g., ₹1,00,000) or through bank offers—check the card welcome kit or YES Bank site for exact waiver conditions.
Are pharmacy and medical spends fully eligible for rewards?
Most chemist and pharmacy merchant category spends earn accelerated points; however, prescription-specific exceptions, refunds, or payments via certain aggregators may be excluded—refer to T&C.
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