Yes Bank · with Aditya Birla WellnessMastercardLast checked 31 Oct 2026
The YES Wellness Plus Credit Card costs Rs 1,499 a year. Its base return is 0.75% (6 YES Rewardz points per Rs 200 on other categories). Accelerated earn: 30 points per Rs 200 at chemists/pharmaceutical stores (MCC 5912). The forex markup is 3.5%. Lounge visits in India: 2 per quarter (spend-gated). Read from the issuer's documents and an aggregator on 31 Oct 2026.
Rs 1,499 first year and Rs 1,499 renewal for cards on-boarded on or after 1 Jul 2022 (older cards keep their original fee); no spend-based waiver.
Rewards
Welcome benefit
Amazon voucher worth Rs 500 on spending Rs 1,000 within the first 30 days (application offer shown on the issuer page).
Reward currency
YES Rewardz points
Base earn
6 YES Rewardz points per Rs 200 on other categories
Base returnunverified
0.75%
Point valueunverified
Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Accelerated earn
30 points per Rs 200 at chemists/pharmaceutical stores (MCC 5912)
Caps
Issuer page: utility (MCC 4900) earn capped at 300 points per statement cycle (the MITC reading had 450). MITC: flights/hotels redemption max 1,00,000 points a month. No pharmacy cap stated.
Spends that earn nothing
No points on rental, wallet, fuel, cash advance fee, government, marketing/advertising, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).
Points expiry
3 years from earning
Reward notes
Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 3 points per Rs 100 x Rs 0.25 = 0.75%.
Transfers
Partners
Air India Maharaja Club
Ratio
10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points
Travel and perks
Domestic loungeunverified
2 per quarter (spend-gated)
International lounge
None
Lounge conditions
Needs Rs 50,000 spend in the previous calendar quarter.
Forex markup
3.5%
Fuel surcharge waiver
1% on Rs 500-3,000 transactions, cap Rs 250 per statement
Other freebiesunverified
Issuer page: complimentary health check-up plus a Rs 500 Amazon voucher if availed within 90 days of card issuance/renewal; complimentary fitness sessions; 24x7 doctor consultations; digital health assessment with face scan; all booked through the Activ Health app (Aditya Birla Wellness). Aggregator: 12 fitness sessions a month, annual dental and eye check-ups.
Charges and eligibility
Interest per month
3.99%
Late payment fee
Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee
2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility
Age 21-60; salaried or self-employed; minimum net salary Rs 20,000 a month or ITR Rs 7.5 lakh and above; existing YES BANK credit cardholders not eligible. Only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.
Fine-print notes
Issuer product page read 12 Oct 2026: confirms fees, 30 points per Rs 200 at pharmacies and 6 on other categories, the Aditya Birla Wellness tie-up, the city list and fuel waiver cap Rs 250. Conflict: the page gives the utility earn cap as 300 points per cycle; the MITC reading had 450 (page value used in reward_caps). Network set to Mastercard by inference only (pharmacy category 'as defined by Mastercard'); kept in unverified_fields. Complimentary lounge access is advertised but no count appears in the page text. The page does not state the forex markup; 3.5% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex 3.5% not independently confirmed; the Yes Bank MITC prints the markup beside the dynamic currency conversion charge and other cards were misread this way.
Questions
What is the annual fee of the YES Wellness Plus Credit Card?
Rs 1,499 a year, before GST.
Does the YES Wellness Plus Credit Card give airport lounge access?
Yes. In India: 2 per quarter (spend-gated). Outside India: none listed. Conditions: Needs Rs 50,000 spend in the previous calendar quarter.
What is the forex markup on the YES Wellness Plus Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the YES Wellness Plus Credit Card?
No points on rental, wallet, fuel, cash advance fee, government, marketing/advertising, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).