YES Bank Wellness Credit Card – Benefits, Fees & Eligibility

Introduction

The YES Bank Wellness Credit Card is a co-branded offering from YES Bank and Aditya Birla Wellness Pvt Ltd, positioned as a mid-range card focused on self-care and general well-being. This card provides various health benefits such as complimentary preventive health check-ups, unlimited doctor consultations, and 6 complimentary fitness sessions every month. It also offers accelerated reward points on chemist and pharmaceutical spends, making it suitable for health-conscious individuals.

Fees

• Joining Fee: ₹499 + GST
• Renewal Fee: ₹499 + GST
• Spend-Based Waiver: Not available
• Rewards Redemption Fee: ₹100 + GST per redemption request
• Foreign Currency Markup: 3.5%
• Interest Rates: 47.88% per annum (3.99% per month)
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations in India on transactions between INR 400 to INR 5,000. A maximum waiver limit of ₹250 per statement cycle applies.
• Cash Advance Charges: 2.5% of the transaction amount or ₹300, whichever is higher.

Instant EMI Features

• Documents Required: NIL
• Processing Fee: NIL
• Interest Rates: 12% p.a to 15% p.a
• Repayment Period: 3 months to 24 months
• Minimum Transaction Amount: ₹2,500

Rewards

• Reward Points Earning:
  • Earn 20 Reward Points for every ₹200 spent on Chemist/Pharmaceutical stores.
  • Earn 4 Reward Points for every ₹200 spent on all other categories.
• Health Benefit Offers:
  • Complimentary preventive health, eye, and dental check-up every year.
  • 6 Complimentary fitness sessions every month (Gym, Zumba, Yoga, etc.).
  • Unlimited consultation from General Practitioners, Nutritionists, and Specialists through the Aditya Birla Multiply App.
  • These offers can be availed through the Aditya Birla Multiply App.
• Insurance Benefits:
  • Credit Shield coverage in case of accidental death of the Primary cardholder.
• Movie & Dining:
  • Great offers and discounts on movies, shopping, travel, and wellness at participating locations on YES Privileges.
• Lounge Access: Not provided with this card.
• Golf Benefits: Not provided with this card.

Rewards Redemption Guide

• Reward Points can be redeemed across multiple categories by visiting the YES Rewardz official website.
• A redemption fee of ₹100 + GST is charged per redemption request.

Card Eligibility Criteria

Salaried Employees

• Age: 21-60 Years
• Income: Minimum ₹20,000 Per Month

Self-Employed Individuals

• Age: 21-60 Years
• Income: Minimum ₹7.5 Lakh Per Annum (as Per ITR)

Documents Required

• Identity Proof: Driving License, PAN Card, Aadhar Card, Passport, Voter’s ID, etc.
• Address Proof: Driving License, Aadhar Card, Utility bills of the latest months, etc.
• Proof of Income: Latest salary slips or audited ITR.

Card Review

The YES Bank Wellness Credit Card is primarily designed to promote self-care and mental and physical well-being, making it more of a health and wellness-focused card than a general reward-based card. It offers significant perks for health-conscious individuals, including complimentary check-ups, fitness sessions, and doctor consultations, along with accelerated rewards on chemist spends. This card is an excellent option for customers with regular health and medical expenses. While it provides exclusive health-related benefits, users seeking broad-based rewards across various categories might find other cards more suitable.

Important Product Details

• Complimentary preventive health check-up every year.
• 6 Complimentary fitness sessions every month.
• Unlimited health benefit offers and opportunity to earn Reward Points across multiple categories.
• Earn 20 Reward Points on every ₹200 spent on Chemist/Pharmaceutical stores.
• Credit Shield coverage in the event of the accidental death of the primary cardholder.
• 1% fuel surcharge waiver across all fuel stations in India for transactions between INR 400 to INR 5,000, with a maximum waiver of ₹250 per statement cycle.
• Instant EMI option available for transactions of ₹2,500 or more with NIL processing fee.
• No spend-based waiver for the annual fee.
• No airport lounge access is provided with this card.

Other Details

• The card is a co-branded credit card resulting from a collaboration between YES Bank and Aditya Birla Wellness Pvt Ltd.
• It is a toned-down version of the YES Bank Wellness Plus Credit Card, which offers higher fees and greater benefits.
• To apply, customers need to click on "Apply Now," provide necessary details and documents, and then submit the application.
• The minimum amount for converting a transaction into an EMI is ₹2,500.