YES Wellness+: Health & Rewards Card

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Features of YES Bank Wellness Plus Credit Card

Annual Preventive Health Check-Up:
A standout feature is the complimentary annual preventive health check-up, covering up to 31 parameters, including blood sugar, cholesterol, liver, kidney, and thyroid function tests. Accessible via the Aditya Birla Multiply App, this benefit allows cardholders to book appointments at partnered diagnostic centers seamlessly. The check-up empowers users to monitor health proactively, detecting potential issues early, which is particularly valuable for those with family histories of chronic conditions or busy lifestyles that limit regular medical visits. Unlike most credit cards, which focus on financial perks, this feature aligns with the card’s wellness-centric ethos, offering tangible health benefits.
Complimentary Dental and Eye Check-Ups:
Cardholders receive annual complimentary dental and eye check-ups, addressing often-overlooked aspects of health. The dental check-up includes oral examinations, scaling consultations, and cavity screenings, while the eye check-up covers vision tests and early detection of conditions like glaucoma or cataracts. These benefits, available at partnered healthcare facilities, are ideal for maintaining comprehensive well-being, especially for aging individuals or those with vision or dental concerns. This feature distinguishes the card by extending care beyond general health to specialized domains, enhancing its appeal for health-conscious users.

- Unlimited On-Call Consultations: The card offers unlimited on-call consultations with general practitioners, specialists, and nutritionists through the Aditya Birla Multiply App. This 24/7 access ensures cardholders can seek expert advice for minor ailments, chronic conditions, or dietary planning without additional costs. For example, a cardholder managing diabetes can consult a nutritionist regularly, while someone with a sudden fever can reach a doctor instantly. This feature is particularly beneficial in emergencies or for those in areas with limited access to specialists, providing convenience and cost savings compared to in-person consultations.
- Complimentary Fitness Sessions: Cardholders are entitled to 12 complimentary fitness sessions per month, including gym workouts, yoga, Zumba, and other activities. These can be availed at partnered fitness centers or through virtual classes, offering flexibility for busy professionals or those preferring home workouts. The sessions promote physical health, stress reduction, and an active lifestyle, aligning with the card’s mission to foster holistic wellness. For instance, a cardholder can attend yoga classes to improve flexibility or Zumba for cardiovascular health, making this a practical benefit for diverse fitness preferences.
- High Reward Points on Pharmacy Spends: The card offers 30 reward points for every ₹200 spent at chemist or pharmaceutical stores, equivalent to a 3.75% cashback rate (1 reward point = ₹0.25). This accelerated earning rate is tailored for individuals with regular medical expenses, such as prescription medications, over-the-counter drugs, or health supplements. For example, spending ₹10,000 monthly on pharmacy purchases yields 1500 points, worth ₹375, making it a cost-effective choice for those with ongoing healthcare needs. This feature positions the card as a rewards powerhouse for health-related spending.
- UPI Integration (RuPay Variant): The RuPay variant supports UPI transactions, making it one of the few credit cards in India with this capability. Cardholders can link the card to UPI apps for quick payments.
- Low Foreign Currency Markup: The RuPay variant offers a preferential foreign currency markup fee of 2.75%, lower than the standard 3-3.5% charged by many credit cards.
- Card Control and Security: Cardholders can block/unblock their card, set spending limits, and manage transaction preferences through the YES Bank mobile app. The card also includes Mastercard SecureCode or Verified by VISA for secure online transactions.
- Instant EMI and Quick Loan Options: The card allows conversion of large purchases into instant EMIs and offers quick loans within the credit limit with repayment terms up to 24 months.
- Aditya Birla Multiply App: All wellness benefits are managed through the Aditya Birla Multiply App, which offers a user-friendly interface for booking health check-ups, fitness sessions, and consultations. The app’s integration streamlines access, making it easy for cardholders to maximize benefits, though it requires reliable internet access and digital familiarity.
- Fees and Charges: The card has a joining fee of ₹1499 + GST and an annual fee of ₹2999 + GST (from the second year). The interest rate is 3.5% per month (42% annually) on overdue amounts, and a 3.5% + GST foreign currency markup fee applies to international transactions. These charges are competitive for a premium card, but cardholders should pay balances in full to avoid high finance costs.
- Additional Features:
- Instant EMI Facility: The Instant EMI feature allows cardholders to convert transactions above ₹2500 into equated monthly installments with interest rates of 12%–15% per annum. This is ideal for large purchases, such as medical bills or electronics, offering financial flexibility without immediate strain.
- YES Privileges Program: The YES Privileges program provides exclusive discounts on shopping, dining, travel, and wellness at partnered merchants in select cities. These offers enhance the card’s lifestyle appeal, catering to diverse spending preferences.
- Security Features: The card incorporates EMV chip technology and OTP-based authentication for online transactions, ensuring robust security. Cardholders can instantly block the card via the YES Bank app or SMS in case of loss or theft, minimizing fraud risks.

Benefits of YES Bank Wellness Plus Credit Card

1. Proactive Health Monitoring:
- Complimentary Annual Preventive Health Check-up: Covers 31 health parameters including diabetes and cardiovascular risks.
- Convenient Scheduling: Cardholders can book tests easily through the Aditya Birla Multiply App at partnered diagnostic centers.
- Early Detection Saves Costs: Enables timely intervention and potential medical cost savings by identifying health issues early.
2. Specialized Dental and Eye Care:
- Annual Complimentary Check-ups: Includes dental consultations to prevent gum disease and eye exams to detect conditions like cataracts early.
- Access to Partnered Facilities: Available at certified clinics and hospitals for reliable care.

- Unlimited Expert Consultations: Unlimited on-call consultations with doctors, specialists, and nutritionists provide 24/7 access to professional advice. Whether managing chronic conditions like hypertension.
- Fitness and Lifestyle Support: The 12 complimentary monthly fitness sessions, including gym, yoga, and Zumba, encourage an active lifestyle.
- High Returns on Pharmacy Spends: Earning 30 reward points per ₹200 spent at chemist or pharmaceutical stores (3.75% cashback) maximizes savings for those with regular medical expenses.
- Everyday Rewards: The 6 reward points per ₹200 spent on other categories ensure rewards on routine purchases, such as groceries or dining. The 5X reward points on YES PayNow biller registrations boost earnings.
- Versatile Redemption Options: Reward points can be redeemed for flights, hotels, movie tickets, or wellness products via the YES Rewardz platform, or converted to air miles (10 points = 1 InterMile/Club Vistara Point).
- Welcome Incentives: The 1000 reward points for YES PayNow registration (₹250) and ₹500 Amazon voucher for spending ₹1000 within 30 days provide immediate savings.
- Airport Lounge Access: Two complimentary domestic lounge visits per quarter across 30+ Indian lounges enhance travel comfort.
- Fuel Cost Savings: The 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, capped at ₹250 per cycle, reduces fuel expenses. For example, spending ₹20,000 monthly on fuel saves ₹200 to ₹2400 annually.
- Contactless Transactions: Contactless payment technology simplifies small-value transactions, enhancing convenience at supermarkets, cafes, or transit hubs. This feature saves time and aligns with modern payment trends.
- Flight Accident Coverage: The ₹1 crore life insurance cover for flight accidents provides substantial financial security for frequent flyers. This benefit ensures families are protected in rare but catastrophic events.
- Overseas Medical Coverage: The ₹25 lakh medical insurance for emergency hospitalization abroad addresses high healthcare costs in countries like the US or Europe.
- Credit Shield Protection: The credit shield covers outstanding balances in case of the primary cardholder’s accidental death, preventing financial burdens for dependents.
- YES Privileges Offers: The YES Privileges program offers discounts on shopping, dining, travel, and wellness at partnered merchants in select cities. These deals, such as 10%–20% off at premium restaurants or wellness retreats.
- Instant EMI Flexibility: The Instant EMI facility converts transactions above ₹2500 into EMIs at 12%–15% per annum, ideal for managing large expenses like medical bills or travel bookings.
- Aditya Birla Multiply App: The Aditya Birla Multiply App centralizes access to wellness benefits, offering a seamless interface for booking check-ups, fitness sessions, and consultations.
- Competitive Fees: The joining fee of ₹1499 + GST and annual fee of ₹2999 + GST are reasonable for a premium card with extensive benefits. For users maximizing health and pharmacy rewards, the benefits often outweigh the costs.
- Interest-Free Period: An interest-free period of 20–50 days allows cardholders to manage cash flow without finance charges, provided balances are paid in full. This standard feature is valuable for disciplined users.
- Targeted Availability: Available in 12 cities, the card ensures high-quality service delivery through local partnerships. While this limits reach, it enhances benefit accessibility for urban residents.

How to Apply for YES Bank Wellness Plus Credit Card

Online Application Process:
- Visit the YES Bank Website
  Navigate to the official YES Bank website and go to the “Credit Cards” section. Look for the Wellness Plus Credit Card under the “Wellness” category and click “Apply Now.”
- Select the Card and Verify Identity
  Choose the Wellness Plus Credit Card from available options. Enter your mobile number to receive an OTP for identity verification.
- Fill the Application Form
  Enter personal details such as full name, mobile number, email, address (in one of the 12 eligible cities), employment type, and income. Salaried applicants must have a ₹25,000 monthly income; self-employed must show ₹5 lakh annual income.
- Upload Documents
  Upload scanned or photographed documents such as PAN, Aadhaar, utility bill, salary slips, or ITR. Make sure files are clear and within the size limits.
- Select Credit Limit
  Choose a credit limit based on your income. A healthy credit utilization ratio (under 30%) improves credit score and card management.
- Submit and Track Application
  Submit the form and note the 13-digit reference number for tracking via the YES Bank website, mobile app, or customer care.
- Card Delivery and Activation
  Approved cards are delivered within 7–10 working days. Activate your card via YES Bank app, internet banking, or customer care.
Offline Application Process:
- Visit a YES Bank Branch
  Find a YES Bank branch in one of the 12 eligible cities. Scheduling an appointment is recommended for faster processing.
- Request and Fill the Form
  Ask for the Wellness Plus Credit Card application form. Fill in the details carefully and legibly.
- Submit Documents
  Submit physical copies of PAN, Aadhaar, address proof, and income proof. Carry originals for verification.
- Verification and Reference Number
  The bank will verify documents and provide a 13-digit application reference number for tracking.
- Card Delivery and Activation
  Once approved, the card is dispatched to your address. Activate it using the YES Bank app, net banking, or ATM.
Application via Third-Party Platforms:
- Use Trusted Financial Marketplaces
  Platforms like Logintoloans may offer the Wellness Plus Credit Card. Enter your mobile number, verify via OTP, and complete the redirected YES Bank application process securely.
Tips for a Successful Application:
- Keep your credit score above 750 for higher approval chances.
- Ensure all personal and financial details match your supporting documents.
- Meet income and city eligibility requirements strictly.
- Use high-quality scans for online uploads; blurry documents delay processing.
- Follow up if no response is received within 7–10 days.
Tracking Application Status:
- Online Tracking: Enter your 13-digit reference number on the YES Bank website to view real-time updates.
- SMS and Customer Care: Receive SMS alerts or call customer care with your reference number for updates.
Post-Approval Steps:
- Card Delivery: Delivered within 7–10 working days to your registered address. Check for errors on receipt.

Eligibility Criteria for YES Bank Wellness Plus Credit Card

Age Requirements
- Primary Cardholder: Must be aged between 21 and 60 years.
- Add-On Cardholder: Must be at least 18 years old (e.g., spouse or child).
Income Requirements
- Salaried Individuals: Minimum net monthly salary of ₹25,000.
- Self-Employed Individuals: Minimum annual ITR of ₹5 lakh.
- Supplementary Income: Additional sources like rent, dividends, or spousal income may be considered with proper documentation.
Occupational Status
- Salaried: 6–12 months continuous employment with a reputed organization preferred.
- Self-Employed: At least 2–3 years of business operation supported by ITRs, GST filings, or bank statements.
Geographic Restrictions
- Only residents of the following 12 cities are eligible: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, and Navi Mumbai.
- Valid address proof of residence in these cities is required.
- Applicants residing outside these cities are not eligible, even with valid income and credit history.
Credit Score and Financial History
- Preferred credit score: 750 or above (CIBIL, Experian, or Equifax).
- Scores between 700–750 may require higher income proof or face credit limit restrictions.
- Applicants with missed payments, high credit utilization (>30%), or past loan defaults may face rejection.
Debt-to-Income Ratio
- While not explicitly stated, a DTI ratio below 40% improves approval chances.
- High monthly debt obligations reduce disposable income and approval odds.
Nationality and Residency
- Applicants must be Indian citizens or residents with valid Indian identification (e.g., Aadhaar, PAN).
- Address proof must confirm residence in an eligible city.
- NRIs may need to provide additional documentation; check with YES Bank directly.
Additional Considerations
- Employment Stability: Frequent job changes may require extra documentation like appointment letters or salary account statements.
- Business Vintage: New businesses must provide strong financial proof like audited balance sheets or consistent bank credits.
- Existing YES Bank Relationship: Holding a savings account, FD, or loan with YES Bank may improve approval chances.
Tips to Improve Eligibility
- Boost Credit Score: Pay dues on time, maintain low utilization, avoid frequent credit applications.
- Enhance Income Proof: Submit salary slips, IT returns, or bank statements showing stable income.
- Update Address Proof: Ensure documents reflect a permanent/updated address in an eligible city.
- Contact YES Bank: For clarity, call 1800-103-6000 or visit a branch to explore options or alternative cards.
Common Pitfalls
- Income below ₹25,000 (salaried) or ₹5 lakh (ITR for self-employed).
- Poor credit history with missed payments, high credit utilization, or recent defaults.
- Incorrect or outdated address proof outside of eligible cities.

Documents Required for YES Bank Wellness Plus Credit Card

Identity Proof:
Submit any one government-issued photo identity proof:
- Aadhaar Card: Full 12-digit number (masked Aadhaar acceptable if details are shared separately).
- PAN Card: Mandatory for tax and financial verification.
- Passport: Valid for at least six months from the date of application.
- Driving License: Must be issued by a recognized RTO.
- Voter’s ID: Must be issued by the Election Commission of India.
Note: Name on the document must exactly match the credit card application form.
Address Proof:
Submit any one of the following documents as valid residential address proof:
- Aadhaar Card: Must reflect your current address in an eligible city.
- Driving License: Should list your current address.
- Utility Bills: Electricity, water, or landline bills (not older than 3 months).
- Passport: Address page showing current residential location.
- Rental Agreement: Registered agreement with landlord details.
- Voter’s ID: Should display your current address.
Important: The address must be within one of the 12 eligible cities to qualify.
Income Proof:
Depending on your employment status, provide relevant documents:
- Salaried Individuals:
  - Salary Slips: Last 2–3 months showing gross and net salary.
  - Bank Statements: Last 3–6 months reflecting salary credits.
  - Form 16: Latest form detailing annual income and tax deductions.
- Self-Employed Individuals:
  - Income Tax Returns: Last 2 years showing at least ₹5 lakh annual income.
  - Profit & Loss Statement: Audited document for business income (if applicable).
  - Bank Statements: Last 6–12 months with business credits.
Note: All income proofs must reflect the minimum income eligibility – ₹25,000/month for salaried and ₹5 lakh/year for self-employed.
Photograph:
- 1–2 recent passport-size color photographs.
- Plain background, clearly showing face, size: 35mm x 45mm.
Additional Documents (If Applicable):
- Employment Proof (Salaried):
  - Appointment Letter or Offer Letter from current employer.
  - Employee ID Card.
- Employment Proof (Self-Employed):
  - Business Registration Certificate or Proprietorship/Partnership Deed.
  - GST Registration Certificate (if applicable).
- Supplementary Income Documents:
  - Investment Statements: Fixed deposits, mutual funds, or stocks.
  - Rental Income: Agreement and corresponding bank credit proofs.
  - Spouse Income: Income proof and marriage certificate (if considered).
- Credit Report:
  - Recent CIBIL or Experian report with a score of 750+ (optional but recommended).
Submission Guidelines:
- Online Submission:
  - Formats: PDF or JPEG, scanned at 300 DPI, under 2–5 MB.
  - Secure upload via YES Bank’s online application portal.
  - Label files clearly (e.g., “PAN.pdf,” “SalarySlip_Jan.pdf”).
- Offline Submission:
  - Self-attested photocopies required; originals for branch verification.
  - Arrange documents in specified order; use a folder for better organization.
Tips for Smooth Processing:
- Ensure document names and addresses match exactly across all submissions.
- Verify that all submitted documents are valid, recent, and legible.
- Keep digital and physical copies of all submitted documents.
- Update outdated address proofs before applying.
- Include optional documents to improve approval chances.
Common Document Errors to Avoid:
- Expired identity or address proofs.
- Mismatch in names across documents (e.g., “Amit Kumar” vs. “Amit K. Sharma”).
- Submitting incomplete income documents or blurry scans.
- Not providing city-eligible address proof (outside serviceable areas).

Factors Affecting YES Bank Wellness Plus Credit Card Approval

Joining and Annual Fees:
The card charges ₹1499 + GST as a joining fee and ₹2999 + GST annually from the second year. These costs are offset by wellness benefits but may not suit users who don’t actively use such services.
Interest Rates:
Finance charges are 3.5% per month (42% annually), which is high if balances are carried forward. The card suits users who pay dues in full to avoid interest accumulation.
Foreign Transaction Charges:
3.5% + GST markup on international spends. Ideal only for occasional overseas purchases; not recommended for frequent travelers due to high forex fees.
Wellness Benefit Utilization:
Cardholders get preventive health check-ups, unlimited doctor consultations, and 12 fitness sessions yearly. These are valuable only if regularly used. Benefits are accessed via the Aditya Birla Multiply app in select cities.
Accessibility of Partner Services:
Wellness services are limited to 12 cities. Ensure diagnostic centers, gyms, and consultation providers are available near your location to make full use of the benefits.
Reward Points Program:
Earns 30 points/₹200 on pharmacy spends (3.75% value), 6 points/₹200 on other spends (0.75%). Effective for users with regular medical and utility expenses.
Redemption Flexibility:
Points can be redeemed for flights, hotels, wellness products, or converted into air miles. However, the point value (₹0.25) is lower than premium cards offering better redemption ratios.
Health Insurance and Coverage:
Includes ₹25 lakh overseas medical insurance and complimentary health check-ups. These enhance value for health-focused and frequent travelers, but read fine print for exclusions.
Application and Approval Speed:
Application via YES Bank’s official site or branches can lead to faster processing. Document accuracy and availability of wellness infrastructure can influence approval.
Income and Employment Criteria:
Recommended monthly income: ₹40,000 or more. Stable employment or business history increases approval chances. Self-employed users must provide audited financials or ITRs.
Location-Based Eligibility:
Wellness services are city-dependent. If you live outside the covered cities, the core benefits may be inaccessible or underutilized, impacting overall card value.
Alternative Options Comparison:
Compare with SBI Pulse or standard health insurance plans. If you're only interested in fitness or consultation services, standalone plans may offer better value without annual card fees.
Long-Term Value:
Best for those who spend on health, pharmacy, and wellness services monthly. If your lifestyle doesn’t align, a cashback or travel card may offer better ROI.
Credit Score Requirement:
A credit score of 700+ is typically preferred. A higher score improves approval chances and may offer better credit limits or terms.
Digital Documentation Facility:
YES Bank offers eKYC and document upload options online. Ensuring all documents are digitally submitted accurately can speed up the approval process.
Welcome Benefits:
The joining fee is often compensated with welcome wellness packages or partner discounts. Check current welcome offer validity before applying.
Supplementary Cards:
Free add-on cards for family members can be beneficial if they also use wellness services. It increases the overall usage and value of the benefits offered.
EMI Conversion Facility:
Eligible purchases can be converted into EMIs, making it easier to manage large medical or wellness expenses. Check interest and processing fees before availing.
Card Personalization:
Some YES Bank cards offer customizable card images or benefits. Though not a major approval factor, it can be a perk for users seeking personalization.
Mobile App and Tracking:
The YES Bank mobile app allows easy tracking of spends, reward points, and EMI management. Smooth digital access contributes to a better user experience post-approval.
Loyalty and Renewal Offers:
Frequent users may receive annual fee waivers or extra reward points upon renewal. Review terms to understand how to qualify for such perks.

Frequently Asked Questions (FAQs) - Yes Bank Wellness Plus Credit Card

1. What is the Yes Bank Wellness Plus Credit Card?

The Yes Bank Wellness Plus Credit Card is a unique health-focused credit card that offers both lifestyle and wellness benefits, including complimentary fitness memberships, preventive healthcare packages, and reward points on every spend.

2. Who is eligible to apply for the Wellness Plus Credit Card?

Individuals aged between 21 and 60 years with a stable income, good credit history, and meeting Yes Bank’s internal eligibility criteria can apply for the card. Both salaried and self-employed professionals are eligible.

3. What are the key features of the Wellness Plus Credit Card?

Key features include complimentary preventive healthcare packages, fitness sessions on the FITPASS Pro app, doctor consultations, discounted pathology tests, and accelerated reward points on health-related spending.

4. What is the joining and annual fee for this credit card?

The typical joining and annual fee is ₹1,499 + GST. However, the annual fee may be waived off on achieving a certain annual spend milestone (e.g., ₹75,000 in a card anniversary year).

5. What wellness benefits are included with the card?

The card provides complimentary access to fitness sessions via FITPASS, annual preventive health check-ups, tele-consultations with doctors, and exclusive discounts on medical and wellness services.

6. How can I access fitness services with the card?

You will receive complimentary access to FITPASS Pro, allowing you to book fitness classes (yoga, gym, dance, etc.) at partner studios across India through their mobile app.

7. How do the preventive healthcare benefits work?

Cardholders get complimentary preventive health check-ups every year, which can include tests like cholesterol, sugar, and basic health screening, at partner diagnostic centers.

8. Are there any reward points earned on transactions?

Yes, you earn reward points on every transaction: typically 6 points per ₹200 spent on health and wellness categories, and 4 points per ₹200 on other spends.

9. Is there a fuel surcharge waiver with this card?

Yes, the card offers a fuel surcharge waiver of 1% on fuel transactions between ₹400 and ₹5,000 across all fuel stations in India, with a monthly cap.

10. Is the card contactless-enabled?

Yes, the Yes Bank Wellness Plus Credit Card is equipped with contactless (NFC) technology, enabling tap-and-pay functionality for faster and secure transactions.

11. What is the credit limit offered?

The credit limit is determined by Yes Bank based on your credit profile, income, and repayment capacity. It can vary from person to person.

12. Can the card be used for international transactions?

Yes, the card is enabled for international transactions and can be used at overseas merchant outlets and websites, subject to activation and applicable forex markup charges.

13. What are the charges applicable apart from the annual fee?

Standard charges include finance charges (interest on overdue payments), late payment fees, over-limit fees, and foreign transaction charges. Refer to the most updated Yes Bank fee schedule for exact details.

14. How can I redeem the reward points earned?

Reward points can be redeemed through the Yes Rewards portal for options like gift vouchers, merchandise, flight tickets, hotel bookings, and more.

15. How do I apply for the Yes Bank Wellness Plus Credit Card?

You can apply online through the Yes Bank website or at your nearest Yes Bank branch. You will need to submit basic KYC documents, income proof, and fill out the application form.

List of Yes Bank Wellness Plus Credit Card Branches in Telangana

Hyderabad - Uppal
Telangana - Adilabad
Telangana - Armoor
Telangana - Jagtial
Telangana - Kamareddy
Telangana - Karimnagar

Telangana - Khammam
Telangana - Kodad
Telangana - Mahabubabad
Telangana - Mahbubnagar
Telangana - Mancherial
Telangana - Medak

Telangana - Miryalaguda
Telangana - Nalgonda
Telangana - Nirmal
Telangana - Nizamabad
Telangana - Peddapalli
Telangana - Sangareddy

Telangana - Siddipet
Telangana - Siricilla
Telangana - Suryapet
Telangana - Vikarabad
Telangana - Wanaparthy
Telangana - Warangal

Select your profession

Salaried

Business

Doctor

NRI

School

College

Student

Enter Pincode

Personal Details

Features of YES Bank Wellness Plus Credit Card

Annual Preventive Health Check-Up:
A standout feature is the complimentary annual preventive health check-up, covering up to 31 parameters, including blood sugar, cholesterol, liver, kidney, and thyroid function tests. Accessible via the Aditya Birla Multiply App, this benefit allows cardholders to book appointments at partnered diagnostic centers seamlessly. The check-up empowers users to monitor health proactively, detecting potential issues early, which is particularly valuable for those with family histories of chronic conditions or busy lifestyles that limit regular medical visits. Unlike most credit cards, which focus on financial perks, this feature aligns with the card’s wellness-centric ethos, offering tangible health benefits.
Complimentary Dental and Eye Check-Ups:
Cardholders receive annual complimentary dental and eye check-ups, addressing often-overlooked aspects of health. The dental check-up includes oral examinations, scaling consultations, and cavity screenings, while the eye check-up covers vision tests and early detection of conditions like glaucoma or cataracts. These benefits, available at partnered healthcare facilities, are ideal for maintaining comprehensive well-being, especially for aging individuals or those with vision or dental concerns. This feature distinguishes the card by extending care beyond general health to specialized domains, enhancing its appeal for health-conscious users.

- Unlimited On-Call Consultations: The card offers unlimited on-call consultations with general practitioners, specialists, and nutritionists through the Aditya Birla Multiply App. This 24/7 access ensures cardholders can seek expert advice for minor ailments, chronic conditions, or dietary planning without additional costs. For example, a cardholder managing diabetes can consult a nutritionist regularly, while someone with a sudden fever can reach a doctor instantly. This feature is particularly beneficial in emergencies or for those in areas with limited access to specialists, providing convenience and cost savings compared to in-person consultations.
- Complimentary Fitness Sessions: Cardholders are entitled to 12 complimentary fitness sessions per month, including gym workouts, yoga, Zumba, and other activities. These can be availed at partnered fitness centers or through virtual classes, offering flexibility for busy professionals or those preferring home workouts. The sessions promote physical health, stress reduction, and an active lifestyle, aligning with the card’s mission to foster holistic wellness. For instance, a cardholder can attend yoga classes to improve flexibility or Zumba for cardiovascular health, making this a practical benefit for diverse fitness preferences.
- High Reward Points on Pharmacy Spends: The card offers 30 reward points for every ₹200 spent at chemist or pharmaceutical stores, equivalent to a 3.75% cashback rate (1 reward point = ₹0.25). This accelerated earning rate is tailored for individuals with regular medical expenses, such as prescription medications, over-the-counter drugs, or health supplements. For example, spending ₹10,000 monthly on pharmacy purchases yields 1500 points, worth ₹375, making it a cost-effective choice for those with ongoing healthcare needs. This feature positions the card as a rewards powerhouse for health-related spending.
- UPI Integration (RuPay Variant): The RuPay variant supports UPI transactions, making it one of the few credit cards in India with this capability. Cardholders can link the card to UPI apps for quick payments.
- Low Foreign Currency Markup: The RuPay variant offers a preferential foreign currency markup fee of 2.75%, lower than the standard 3-3.5% charged by many credit cards.
- Card Control and Security: Cardholders can block/unblock their card, set spending limits, and manage transaction preferences through the YES Bank mobile app. The card also includes Mastercard SecureCode or Verified by VISA for secure online transactions.
- Instant EMI and Quick Loan Options: The card allows conversion of large purchases into instant EMIs and offers quick loans within the credit limit with repayment terms up to 24 months.
- Aditya Birla Multiply App: All wellness benefits are managed through the Aditya Birla Multiply App, which offers a user-friendly interface for booking health check-ups, fitness sessions, and consultations. The app’s integration streamlines access, making it easy for cardholders to maximize benefits, though it requires reliable internet access and digital familiarity.
- Fees and Charges: The card has a joining fee of ₹1499 + GST and an annual fee of ₹2999 + GST (from the second year). The interest rate is 3.5% per month (42% annually) on overdue amounts, and a 3.5% + GST foreign currency markup fee applies to international transactions. These charges are competitive for a premium card, but cardholders should pay balances in full to avoid high finance costs.
- Additional Features:
- Instant EMI Facility: The Instant EMI feature allows cardholders to convert transactions above ₹2500 into equated monthly installments with interest rates of 12%–15% per annum. This is ideal for large purchases, such as medical bills or electronics, offering financial flexibility without immediate strain.
- YES Privileges Program: The YES Privileges program provides exclusive discounts on shopping, dining, travel, and wellness at partnered merchants in select cities. These offers enhance the card’s lifestyle appeal, catering to diverse spending preferences.
- Security Features: The card incorporates EMV chip technology and OTP-based authentication for online transactions, ensuring robust security. Cardholders can instantly block the card via the YES Bank app or SMS in case of loss or theft, minimizing fraud risks.

Benefits of YES Bank Wellness Plus Credit Card

1. Proactive Health Monitoring:
- Complimentary Annual Preventive Health Check-up: Covers 31 health parameters including diabetes and cardiovascular risks.
- Convenient Scheduling: Cardholders can book tests easily through the Aditya Birla Multiply App at partnered diagnostic centers.
- Early Detection Saves Costs: Enables timely intervention and potential medical cost savings by identifying health issues early.
2. Specialized Dental and Eye Care:
- Annual Complimentary Check-ups: Includes dental consultations to prevent gum disease and eye exams to detect conditions like cataracts early.
- Access to Partnered Facilities: Available at certified clinics and hospitals for reliable care.

- Unlimited Expert Consultations: Unlimited on-call consultations with doctors, specialists, and nutritionists provide 24/7 access to professional advice. Whether managing chronic conditions like hypertension.
- Fitness and Lifestyle Support: The 12 complimentary monthly fitness sessions, including gym, yoga, and Zumba, encourage an active lifestyle.
- High Returns on Pharmacy Spends: Earning 30 reward points per ₹200 spent at chemist or pharmaceutical stores (3.75% cashback) maximizes savings for those with regular medical expenses.
- Everyday Rewards: The 6 reward points per ₹200 spent on other categories ensure rewards on routine purchases, such as groceries or dining. The 5X reward points on YES PayNow biller registrations boost earnings.
- Versatile Redemption Options: Reward points can be redeemed for flights, hotels, movie tickets, or wellness products via the YES Rewardz platform, or converted to air miles (10 points = 1 InterMile/Club Vistara Point).
- Welcome Incentives: The 1000 reward points for YES PayNow registration (₹250) and ₹500 Amazon voucher for spending ₹1000 within 30 days provide immediate savings.
- Airport Lounge Access: Two complimentary domestic lounge visits per quarter across 30+ Indian lounges enhance travel comfort.
- Fuel Cost Savings: The 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, capped at ₹250 per cycle, reduces fuel expenses. For example, spending ₹20,000 monthly on fuel saves ₹200 to ₹2400 annually.
- Contactless Transactions: Contactless payment technology simplifies small-value transactions, enhancing convenience at supermarkets, cafes, or transit hubs. This feature saves time and aligns with modern payment trends.
- Flight Accident Coverage: The ₹1 crore life insurance cover for flight accidents provides substantial financial security for frequent flyers. This benefit ensures families are protected in rare but catastrophic events.
- Overseas Medical Coverage: The ₹25 lakh medical insurance for emergency hospitalization abroad addresses high healthcare costs in countries like the US or Europe.
- Credit Shield Protection: The credit shield covers outstanding balances in case of the primary cardholder’s accidental death, preventing financial burdens for dependents.
- YES Privileges Offers: The YES Privileges program offers discounts on shopping, dining, travel, and wellness at partnered merchants in select cities. These deals, such as 10%–20% off at premium restaurants or wellness retreats.
- Instant EMI Flexibility: The Instant EMI facility converts transactions above ₹2500 into EMIs at 12%–15% per annum, ideal for managing large expenses like medical bills or travel bookings.
- Aditya Birla Multiply App: The Aditya Birla Multiply App centralizes access to wellness benefits, offering a seamless interface for booking check-ups, fitness sessions, and consultations.
- Competitive Fees: The joining fee of ₹1499 + GST and annual fee of ₹2999 + GST are reasonable for a premium card with extensive benefits. For users maximizing health and pharmacy rewards, the benefits often outweigh the costs.
- Interest-Free Period: An interest-free period of 20–50 days allows cardholders to manage cash flow without finance charges, provided balances are paid in full. This standard feature is valuable for disciplined users.
- Targeted Availability: Available in 12 cities, the card ensures high-quality service delivery through local partnerships. While this limits reach, it enhances benefit accessibility for urban residents.

How to Apply for YES Bank Wellness Plus Credit Card

Online Application Process:
- Visit the YES Bank Website
  Navigate to the official YES Bank website and go to the “Credit Cards” section. Look for the Wellness Plus Credit Card under the “Wellness” category and click “Apply Now.”
- Select the Card and Verify Identity
  Choose the Wellness Plus Credit Card from available options. Enter your mobile number to receive an OTP for identity verification.
- Fill the Application Form
  Enter personal details such as full name, mobile number, email, address (in one of the 12 eligible cities), employment type, and income. Salaried applicants must have a ₹25,000 monthly income; self-employed must show ₹5 lakh annual income.
- Upload Documents
  Upload scanned or photographed documents such as PAN, Aadhaar, utility bill, salary slips, or ITR. Make sure files are clear and within the size limits.
- Select Credit Limit
  Choose a credit limit based on your income. A healthy credit utilization ratio (under 30%) improves credit score and card management.
- Submit and Track Application
  Submit the form and note the 13-digit reference number for tracking via the YES Bank website, mobile app, or customer care.
- Card Delivery and Activation
  Approved cards are delivered within 7–10 working days. Activate your card via YES Bank app, internet banking, or customer care.
Offline Application Process:
- Visit a YES Bank Branch
  Find a YES Bank branch in one of the 12 eligible cities. Scheduling an appointment is recommended for faster processing.
- Request and Fill the Form
  Ask for the Wellness Plus Credit Card application form. Fill in the details carefully and legibly.
- Submit Documents
  Submit physical copies of PAN, Aadhaar, address proof, and income proof. Carry originals for verification.
- Verification and Reference Number
  The bank will verify documents and provide a 13-digit application reference number for tracking.
- Card Delivery and Activation
  Once approved, the card is dispatched to your address. Activate it using the YES Bank app, net banking, or ATM.
Application via Third-Party Platforms:
- Use Trusted Financial Marketplaces
  Platforms like Logintoloans may offer the Wellness Plus Credit Card. Enter your mobile number, verify via OTP, and complete the redirected YES Bank application process securely.
Tips for a Successful Application:
- Keep your credit score above 750 for higher approval chances.
- Ensure all personal and financial details match your supporting documents.
- Meet income and city eligibility requirements strictly.
- Use high-quality scans for online uploads; blurry documents delay processing.
- Follow up if no response is received within 7–10 days.
Tracking Application Status:
- Online Tracking: Enter your 13-digit reference number on the YES Bank website to view real-time updates.
- SMS and Customer Care: Receive SMS alerts or call customer care with your reference number for updates.
Post-Approval Steps:
- Card Delivery: Delivered within 7–10 working days to your registered address. Check for errors on receipt.

Eligibility Criteria for YES Bank Wellness Plus Credit Card

Age Requirements
- Primary Cardholder: Must be aged between 21 and 60 years.
- Add-On Cardholder: Must be at least 18 years old (e.g., spouse or child).
Income Requirements
- Salaried Individuals: Minimum net monthly salary of ₹25,000.
- Self-Employed Individuals: Minimum annual ITR of ₹5 lakh.
- Supplementary Income: Additional sources like rent, dividends, or spousal income may be considered with proper documentation.
Occupational Status
- Salaried: 6–12 months continuous employment with a reputed organization preferred.
- Self-Employed: At least 2–3 years of business operation supported by ITRs, GST filings, or bank statements.
Geographic Restrictions
- Only residents of the following 12 cities are eligible: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane, and Navi Mumbai.
- Valid address proof of residence in these cities is required.
- Applicants residing outside these cities are not eligible, even with valid income and credit history.
Credit Score and Financial History
- Preferred credit score: 750 or above (CIBIL, Experian, or Equifax).
- Scores between 700–750 may require higher income proof or face credit limit restrictions.
- Applicants with missed payments, high credit utilization (>30%), or past loan defaults may face rejection.
Debt-to-Income Ratio
- While not explicitly stated, a DTI ratio below 40% improves approval chances.
- High monthly debt obligations reduce disposable income and approval odds.
Nationality and Residency
- Applicants must be Indian citizens or residents with valid Indian identification (e.g., Aadhaar, PAN).
- Address proof must confirm residence in an eligible city.
- NRIs may need to provide additional documentation; check with YES Bank directly.
Additional Considerations
- Employment Stability: Frequent job changes may require extra documentation like appointment letters or salary account statements.
- Business Vintage: New businesses must provide strong financial proof like audited balance sheets or consistent bank credits.
- Existing YES Bank Relationship: Holding a savings account, FD, or loan with YES Bank may improve approval chances.
Tips to Improve Eligibility
- Boost Credit Score: Pay dues on time, maintain low utilization, avoid frequent credit applications.
- Enhance Income Proof: Submit salary slips, IT returns, or bank statements showing stable income.
- Update Address Proof: Ensure documents reflect a permanent/updated address in an eligible city.
- Contact YES Bank: For clarity, call 1800-103-6000 or visit a branch to explore options or alternative cards.
Common Pitfalls
- Income below ₹25,000 (salaried) or ₹5 lakh (ITR for self-employed).
- Poor credit history with missed payments, high credit utilization, or recent defaults.
- Incorrect or outdated address proof outside of eligible cities.

Documents Required for YES Bank Wellness Plus Credit Card

Identity Proof:
Submit any one government-issued photo identity proof:
- Aadhaar Card: Full 12-digit number (masked Aadhaar acceptable if details are shared separately).
- PAN Card: Mandatory for tax and financial verification.
- Passport: Valid for at least six months from the date of application.
- Driving License: Must be issued by a recognized RTO.
- Voter’s ID: Must be issued by the Election Commission of India.
Note: Name on the document must exactly match the credit card application form.
Address Proof:
Submit any one of the following documents as valid residential address proof:
- Aadhaar Card: Must reflect your current address in an eligible city.
- Driving License: Should list your current address.
- Utility Bills: Electricity, water, or landline bills (not older than 3 months).
- Passport: Address page showing current residential location.
- Rental Agreement: Registered agreement with landlord details.
- Voter’s ID: Should display your current address.
Important: The address must be within one of the 12 eligible cities to qualify.
Income Proof:
Depending on your employment status, provide relevant documents:
- Salaried Individuals:
  - Salary Slips: Last 2–3 months showing gross and net salary.
  - Bank Statements: Last 3–6 months reflecting salary credits.
  - Form 16: Latest form detailing annual income and tax deductions.
- Self-Employed Individuals:
  - Income Tax Returns: Last 2 years showing at least ₹5 lakh annual income.
  - Profit & Loss Statement: Audited document for business income (if applicable).
  - Bank Statements: Last 6–12 months with business credits.
Note: All income proofs must reflect the minimum income eligibility – ₹25,000/month for salaried and ₹5 lakh/year for self-employed.
Photograph:
- 1–2 recent passport-size color photographs.
- Plain background, clearly showing face, size: 35mm x 45mm.
Additional Documents (If Applicable):
- Employment Proof (Salaried):
  - Appointment Letter or Offer Letter from current employer.
  - Employee ID Card.
- Employment Proof (Self-Employed):
  - Business Registration Certificate or Proprietorship/Partnership Deed.
  - GST Registration Certificate (if applicable).
- Supplementary Income Documents:
  - Investment Statements: Fixed deposits, mutual funds, or stocks.
  - Rental Income: Agreement and corresponding bank credit proofs.
  - Spouse Income: Income proof and marriage certificate (if considered).
- Credit Report:
  - Recent CIBIL or Experian report with a score of 750+ (optional but recommended).
Submission Guidelines:
- Online Submission:
  - Formats: PDF or JPEG, scanned at 300 DPI, under 2–5 MB.
  - Secure upload via YES Bank’s online application portal.
  - Label files clearly (e.g., “PAN.pdf,” “SalarySlip_Jan.pdf”).
- Offline Submission:
  - Self-attested photocopies required; originals for branch verification.
  - Arrange documents in specified order; use a folder for better organization.
Tips for Smooth Processing:
- Ensure document names and addresses match exactly across all submissions.
- Verify that all submitted documents are valid, recent, and legible.
- Keep digital and physical copies of all submitted documents.
- Update outdated address proofs before applying.
- Include optional documents to improve approval chances.
Common Document Errors to Avoid:
- Expired identity or address proofs.
- Mismatch in names across documents (e.g., “Amit Kumar” vs. “Amit K. Sharma”).
- Submitting incomplete income documents or blurry scans.
- Not providing city-eligible address proof (outside serviceable areas).

Factors Affecting YES Bank Wellness Plus Credit Card Approval

Joining and Annual Fees:
The card charges ₹1499 + GST as a joining fee and ₹2999 + GST annually from the second year. These costs are offset by wellness benefits but may not suit users who don’t actively use such services.
Interest Rates:
Finance charges are 3.5% per month (42% annually), which is high if balances are carried forward. The card suits users who pay dues in full to avoid interest accumulation.
Foreign Transaction Charges:
3.5% + GST markup on international spends. Ideal only for occasional overseas purchases; not recommended for frequent travelers due to high forex fees.
Wellness Benefit Utilization:
Cardholders get preventive health check-ups, unlimited doctor consultations, and 12 fitness sessions yearly. These are valuable only if regularly used. Benefits are accessed via the Aditya Birla Multiply app in select cities.
Accessibility of Partner Services:
Wellness services are limited to 12 cities. Ensure diagnostic centers, gyms, and consultation providers are available near your location to make full use of the benefits.
Reward Points Program:
Earns 30 points/₹200 on pharmacy spends (3.75% value), 6 points/₹200 on other spends (0.75%). Effective for users with regular medical and utility expenses.
Redemption Flexibility:
Points can be redeemed for flights, hotels, wellness products, or converted into air miles. However, the point value (₹0.25) is lower than premium cards offering better redemption ratios.
Health Insurance and Coverage:
Includes ₹25 lakh overseas medical insurance and complimentary health check-ups. These enhance value for health-focused and frequent travelers, but read fine print for exclusions.
Application and Approval Speed:
Application via YES Bank’s official site or branches can lead to faster processing. Document accuracy and availability of wellness infrastructure can influence approval.
Income and Employment Criteria:
Recommended monthly income: ₹40,000 or more. Stable employment or business history increases approval chances. Self-employed users must provide audited financials or ITRs.
Location-Based Eligibility:
Wellness services are city-dependent. If you live outside the covered cities, the core benefits may be inaccessible or underutilized, impacting overall card value.
Alternative Options Comparison:
Compare with SBI Pulse or standard health insurance plans. If you're only interested in fitness or consultation services, standalone plans may offer better value without annual card fees.
Long-Term Value:
Best for those who spend on health, pharmacy, and wellness services monthly. If your lifestyle doesn’t align, a cashback or travel card may offer better ROI.
Credit Score Requirement:
A credit score of 700+ is typically preferred. A higher score improves approval chances and may offer better credit limits or terms.
Digital Documentation Facility:
YES Bank offers eKYC and document upload options online. Ensuring all documents are digitally submitted accurately can speed up the approval process.
Welcome Benefits:
The joining fee is often compensated with welcome wellness packages or partner discounts. Check current welcome offer validity before applying.
Supplementary Cards:
Free add-on cards for family members can be beneficial if they also use wellness services. It increases the overall usage and value of the benefits offered.
EMI Conversion Facility:
Eligible purchases can be converted into EMIs, making it easier to manage large medical or wellness expenses. Check interest and processing fees before availing.
Card Personalization:
Some YES Bank cards offer customizable card images or benefits. Though not a major approval factor, it can be a perk for users seeking personalization.
Mobile App and Tracking:
The YES Bank mobile app allows easy tracking of spends, reward points, and EMI management. Smooth digital access contributes to a better user experience post-approval.
Loyalty and Renewal Offers:
Frequent users may receive annual fee waivers or extra reward points upon renewal. Review terms to understand how to qualify for such perks.

Frequently Asked Questions (FAQs) - Yes Bank Wellness Plus Credit Card

1. What is the Yes Bank Wellness Plus Credit Card?

2. Who is eligible to apply for the Wellness Plus Credit Card?

3. What are the key features of the Wellness Plus Credit Card?

4. What is the joining and annual fee for this credit card?

The typical joining and annual fee is ₹1,499 + GST. However, the annual fee may be waived off on achieving a certain annual spend milestone (e.g., ₹75,000 in a card anniversary year).

5. What wellness benefits are included with the card?

The card provides complimentary access to fitness sessions via FITPASS, annual preventive health check-ups, tele-consultations with doctors, and exclusive discounts on medical and wellness services.

6. How can I access fitness services with the card?

You will receive complimentary access to FITPASS Pro, allowing you to book fitness classes (yoga, gym, dance, etc.) at partner studios across India through their mobile app.

7. How do the preventive healthcare benefits work?

Cardholders get complimentary preventive health check-ups every year, which can include tests like cholesterol, sugar, and basic health screening, at partner diagnostic centers.

8. Are there any reward points earned on transactions?

Yes, you earn reward points on every transaction: typically 6 points per ₹200 spent on health and wellness categories, and 4 points per ₹200 on other spends.

9. Is there a fuel surcharge waiver with this card?

Yes, the card offers a fuel surcharge waiver of 1% on fuel transactions between ₹400 and ₹5,000 across all fuel stations in India, with a monthly cap.

10. Is the card contactless-enabled?

Yes, the Yes Bank Wellness Plus Credit Card is equipped with contactless (NFC) technology, enabling tap-and-pay functionality for faster and secure transactions.

11. What is the credit limit offered?

The credit limit is determined by Yes Bank based on your credit profile, income, and repayment capacity. It can vary from person to person.

12. Can the card be used for international transactions?

Yes, the card is enabled for international transactions and can be used at overseas merchant outlets and websites, subject to activation and applicable forex markup charges.

13. What are the charges applicable apart from the annual fee?

14. How can I redeem the reward points earned?

Reward points can be redeemed through the Yes Rewards portal for options like gift vouchers, merchandise, flight tickets, hotel bookings, and more.

15. How do I apply for the Yes Bank Wellness Plus Credit Card?

You can apply online through the Yes Bank website or at your nearest Yes Bank branch. You will need to submit basic KYC documents, income proof, and fill out the application form.

List of Yes Bank Wellness Plus Credit Card Branches in Telangana

Hyderabad - Uppal
Telangana - Adilabad
Telangana - Armoor
Telangana - Jagtial
Telangana - Kamareddy
Telangana - Karimnagar

Telangana - Khammam
Telangana - Kodad
Telangana - Mahabubabad
Telangana - Mahbubnagar
Telangana - Mancherial
Telangana - Medak

Telangana - Miryalaguda
Telangana - Nalgonda
Telangana - Nirmal
Telangana - Nizamabad
Telangana - Peddapalli
Telangana - Sangareddy

Telangana - Siddipet
Telangana - Siricilla
Telangana - Suryapet
Telangana - Vikarabad
Telangana - Wanaparthy
Telangana - Warangal

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Frequently Asked Questions (FAQs) - Yes Bank Wellness Plus Credit Card

List of Yes Bank Wellness Plus Credit Card Branches in Telangana