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YES Bank Wellness Credit Card

Health benefits with accelerated pharmacy rewards

Annual fee₹499

Rewards20 reward points per ₹200 spent at chemists and pharmaceutical stores, and 4 per ₹200 on other categories.

Forex markup3.5%3.50% on foreign currency conversion

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Rewards

Base earn rate

20 reward points per ₹200 spent at chemists and pharmaceutical stores, and 4 per ₹200 on other categories.

YES Rewardz

Category	Rate	Cap
Chemists And Pharmaceutical Stores	—	—
Other Categories	—	Utility spends capped at 300 points per statement cycle
YES Pay Now	—	—

• Redemption fee: ₹100

Fees & charges

Joining fee: ₹499 plus applicable taxes for cards onboarded on or after 28 August 2024
Annual / renewal fee: ₹499 plus applicable taxes for cards onboarded on or after 28 August 2024. Cards onboarded between 1 July 2022 and 28 August 2024 carry ₹749 plus taxes, and older cards keep the fee applicable when they were issued.
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: 3.50% on foreign currency conversion
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹125/cycle
Duplicate card: ₹100

Late payment

Nil while the current outstanding (statement balance plus unbilled) is ₹500 or less. Above that, 10% of the statement balance or ₹1,350, whichever is lower, per statement.

View official MITC →

Eligibility

Income (salaried): Net salary of ₹20,000 a month, or an income tax return of ₹7,50,000 and above
Income (self-employed): ₹7.5L/year

Employment types

SalariedSelf-Employed

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Accelerated points at chemists and pharmaceutical stores
Annual preventive health check-up covering 25 parameters
Annual eye and dental check-up
Unlimited app consultations with a general practitioner, specialist and nutritionist
Digital health assessment with face scan, twice a year