Yes Bank · with Aditya Birla WellnessMastercardLast checked 31 Oct 2026
The YES Wellness Credit Card costs Rs 499 a year. Its base return is 0.5% (4 YES Rewardz points per Rs 200 on other categories). Accelerated earn: 20 points per Rs 200 at chemists/pharmaceutical stores (MCC 5912). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
Rs 499 first year and renewal for cards on-boarded on or after 28 Aug 2024; Rs 749 for cards on-boarded between 1 Jul 2022 and 28 Aug 2024; 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
4 YES Rewardz points per Rs 200 on other categories
Base returnunverified
0.5%
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
20 points per Rs 200 at chemists/pharmaceutical stores (MCC 5912)
Caps
MITC: utility earn capped at 300 points per cycle; flights/hotels redemption max 1,00,000 points a month.
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: 2 points per Rs 100 x Rs 0.25 = 0.5%.
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 lounge
None
International lounge
None
Forex markup
3.5%
Fuel surcharge waiver
1% on Rs 500-3,000 transactions, cap Rs 125 per statement
Other freebiesunverified
Issuer page: complimentary health check-up plus a Rs 300 Amazon voucher; 24x7 doctor consultations; digital health assessment with face scan; booked through the Activ Health app (Aditya Birla Wellness). Aggregator: 6 fitness sessions a month (not on the issuer page).
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. Cities covered: 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 the Rs 499 fee for new cards, 4 points per Rs 200, the 300-point utility cap, the Aditya Birla Wellness tie-up and fuel waiver cap Rs 125. Conflict resolved: the aggregator showed the pharmacy rate as 20 points in one place and 10 in another; the page says 20 per Rs 200. Network set to Mastercard by inference only (pharmacy category 'as defined by Mastercard'); kept in unverified_fields. Fitness sessions are not listed on this card's page (they are on Wellness Plus). 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 Credit Card?
Rs 499 a year, before GST.
Does the YES Wellness Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the YES Wellness Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the YES Wellness 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).