YES Bank Wellness Credit Card 2025
6 Free Fitness Sessions/Month
10% Rewards on Pharmacy
Unlimited Doctor Consults
Free Annual Checkups
Save over ₹12,000+ every year with pharmacy rewards + fitness + consults!
Basic health rewards! YES Wellness gives 20 RP/₹200 on pharmacy, 6 free gym sessions/month, unlimited consults via app, and free annual checkups.
Affordable wellness starter!
Why Choose YES Wellness in 2025?
10% pharmacy • 6 sessions/month • Free consults • Checkups • Fuel waiver
Best for: Health starters, low spenders, families
Card At a Glance
Joining Fee
₹499 + GST
₹499 + GST
Annual Fee
₹499 + GST
₹499 + GST
Reward Rate
10% Pharmacy | 2% Other
10% Pharmacy | 2% Other
Fitness Sessions
6/Month Free
6/Month Free
Consults
Unlimited Free
Unlimited Free
Forex Markup
3.5%
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Health Benefits | Free checkups + sessions |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% (max ₹250/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 20 RP/₹200 on pharmacy
- 4 RP/₹200 on other spends
- No expiry on points
- 1 RP = ₹0.25 vouchers | Airmiles
- 5X on PayNow first txns
Airport Lounge Access
No access – Health & rewards priority
Insurance & Protection Benefits
- ₹1 Cr air accident
- Unlimited app consults
- Annual preventive checkup 25 params
- Eye/dental free
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10% pharmacy rewards | No lounges |
| 6 free sessions/month | ₹499 fee |
| Free consults/checkups | 3.75% interest |
| Low ₹3L income | Limited fitness |
| No expiry points | |
| Fuel waiver |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+
- Documents: PAN, Aadhaar, income proof
How to Apply Online (5-Minute Process)
- Visit YES site, choose Wellness
- Submit details for check
- Upload PAN, Aadhaar, salary/ITR
- Video KYC (2 mins)
- Card ready in 7 days
Final Verdict – Should You Get It in 2025?
Affordable health card! 10% pharmacy + free sessions/consults = ₹12K+ value. Perfect entry to wellness rewards!
Frequently Asked Questions (FAQs)
10% pharmacy?
Yes! 20 RP/₹200 chemists.
Sessions details?
Yes! 6/month yoga/gym/zumba.
Consults free?
Yes! Unlimited via app.
Checkups included?
Yes! Annual 25 params + eye/dental.
Low income?
Yes, ₹3L+ annual.