YES Bank Wellness Plus Credit Card – Benefits, Fees & Eligibility

Introduction

The YES Bank Wellness Plus Credit Card is designed to offer cardholders significant health benefits alongside a rewarding points program. It provides 6 Reward Points for every ₹200 spent on general purchases, which multiplies to 30 Reward Points (5X) for every ₹200 spent at pharmaceutical and chemist stores. Cardholders can also earn 1000 Reward Points upon successful registration for YES PayNow. Beyond rewards, the card extends comprehensive health benefits, including 12 complimentary fitness sessions monthly and annual preventive health checkups. For travelers, it offers 8 complimentary domestic lounge accesses annually, with a cap of two per quarter, at over 30 airports across India. Issued with a joining fee of ₹1,499 plus GST, the card also includes insurance benefits and a fuel surcharge waiver.

Welcome Benefits

• No explicit welcome benefits are listed as N/A.

Fees

• Joining Fee: ₹1,499 + GST
• Renewal Fee: ₹1,499 + GST
• Spend-Based Waiver: Not applicable, the joining or renewal fee cannot be waived.
• Rewards Redemption Fee: ₹100
• Foreign Currency Markup: 3.5% on all international spends.
• Interest Rates: 3.80% per month (45.60% annually).
• Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5,000 across all fuel stations in India.
• Cash Advance Charges: 2.5% of the amount withdrawn or ₹300, whichever is higher.

Rewards

• Rewards Rate:
  • Earn 30 Reward Points for every ₹200 spent on pharmaceutical/chemist stores.
  • Earn 6 Reward Points for every ₹200 spent on other purchases.
  • Receive 1000 Reward Points on every successful registration for YES PayNow.
• Travel:
  • Enjoy 8 complimentary domestic lounge accesses annually, with a maximum of 2 accesses per calendar quarter, at over 30 airport lounges in India.
• Domestic Lounge Access:
  • 8 complimentary domestic lounge accesses annually (2 per quarter).
• International Lounge Access: Not applicable.
• Golf: Not applicable.
• Insurance Benefits:
  • Life insurance cover of ₹1 Crore in case of death due to flight accidents.
  • Medical insurance coverage of ₹25 lakhs for emergency hospitalization while traveling in flights.
  • A credit shield is provided in case of the accidental death of the primary cardholder.
• Lifestyle & Health Benefits:
  • 12 complimentary fitness sessions each month, including Yoga, Zumba, and Gym.
  • Complimentary dental & eye checkups every year.
  • Complimentary preventive health checkups every year.
  • Unlimited consultation with specialists, nutritionists, and practitioners.
• Movies & Dining: Not applicable.
• Other Offers: Great offers across shopping, wellness, and travel are available through Yes Privileges.

Rewards Redemption Guide

• Reward points earned can be redeemed on the dedicated website, Yes Rewardz.
• Reward Points are redeemable against hotel and flight bookings, where 1 Reward Point equals ₹0.25.
• For redemption against product catalogs and gift vouchers, 1 Reward Point equals ₹0.10.
• Reward Points can be redeemed for InterMiles at a rate of 10 Reward Points = 1 InterMile.
• Reward Points can also be redeemed for Club Vistara Points at a rate of 10 Reward Points = 1 Club Vistara Point.

Card Eligibility Criteria

• Age: Between 21 years and 60 years.
• Income: Above ₹20,000 per month (or Tax Return of ₹7.5 lakh).
• Credit Score: A decent credit score (750 or above) is required.
• Geographic Availability: This credit card is only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, and Navi Mumbai.

Card Review

The YES Bank Wellness Plus Credit Card is a compelling option for individuals seeking a credit card that integrates health benefits with a robust rewards program. It stands out with its exclusive health-focused perks, such as complimentary fitness sessions, dental, eye, and preventive health checkups, and unlimited consultations with specialists. The card offers a strong rewards structure, particularly for health-related spending at pharmaceutical and chemist stores, providing 5X Reward Points. Cardholders also benefit from domestic lounge access and various travel, dining, and shopping offers through Yes Privileges. While the card comes with a joining and renewal fee that cannot be waived, its unique blend of wellness and financial benefits, coupled with insurance coverage, makes it a valuable choice for those prioritizing health and a rewarding lifestyle.

Important Product Details

• Accelerated Rewards: Earn 30 Reward Points for every ₹200 spent on pharmaceutical/chemist stores.
• General Rewards: Earn 6 Reward Points for every ₹200 spent on other purchases.
• YES PayNow Benefit: Receive 1000 Reward Points on successful YES PayNow registrations.
• Domestic Lounge Access: Benefit from 2 complimentary domestic lounge visits each calendar quarter.
• Complimentary Fitness Sessions: Get 12 complimentary fitness sessions every month.
• Health Checkups: Enjoy complimentary preventive health checkups, dental checkups, and eye checkups every year.
• Consultations: Access unlimited consultations with specialists, nutritionists, and practitioners.
• Life Insurance: Includes a life insurance cover worth ₹1 Crore (specifically for flight accidental death).
• Medical Insurance: Provides medical insurance coverage of ₹25 lakhs for emergency hospitalization during flights.
• Credit Shield: Features a credit shield in case of accidental death of the primary cardholder.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000.
• Fees: Joining and renewal fees are ₹1,499 + GST each and are not waivable.
• Other Fees: A rewards redemption fee of ₹100 and a foreign currency markup of 3.5% apply.
• Interest Rate: High interest rate of 3.80% per month (45.60% annually).
• Limited Availability: The card is only available in specific cities.

Other Details

• The card is best suited for travel, as mentioned in the card summary, in addition to its strong health focus.
• The card overview states "Welcome Benefits: N/A".