YES Bank Wellness Plus Credit Card
YES Bank · Mastercard
Why this card?
- Earns reward points — the issuer does not clearly publish their rupee value
- ₹1,499 joining and annual fee
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- YES Bank
- Network
- Mastercard
- Annual Fee
- ₹1,499
- Joining Fee
- ₹1,499
- Reward Type
- points
- Best Reward Rate
- 2.5% on 10X reward points on pharmacy, diagnostics, gym memberships, and health app subscriptions
- Forex Markup
- 3.5%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹35,000
- Rates verified
- 2026-10-06
Our verdict
YES Bank Wellness Plus targets a genuinely underserved niche — health-conscious Indians who spend significantly on pharmacy, fitness, and diagnostics but haven't had a card that rewards those spends. The 10X on health categories makes this a wellness companion card, though the ₹1,499 fee has no spend-based waiver. Not ideal as a standalone card, but useful as a health-spend optimiser.
Pros
- 10X on health categories — unique positioning in India
- 8 domestic lounge visits a year (2 per quarter)
- Fuel surcharge waiver included
Cons
- High 3.5% forex markup
- No international lounge
- ₹1,499 joining and annual fee with no spend-based fee waiver
- YES Bank institutional background worth reviewing
- Low 0.5% base on non-health spends