How does Wellness Plus differ from the Wellness Credit Card?

Wellness Plus pays 30 points per ₹200 at chemists against 20 on Wellness, covers a 31-parameter health check-up rather than 25, adds monthly fitness sessions and includes two domestic lounge visits a quarter.

What lounge access is included?

Two complimentary domestic lounge visits a quarter for the primary cardmember, subject to spending ₹35,000 or more in the previous quarter.

LifestyleMidMastercardVisa

YES Bank Wellness Plus Credit Card

Health cover, fitness sessions and quarterly lounge visits

Annual fee₹1,499

Rewards—

Forex markup3.5%3.50% on foreign currency conversion

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Rewards

Base earn rate

30 reward points per ₹200 spent at chemists and pharmaceutical stores, and 6 per ₹200 on other categories.

YES Rewardz

Category	Rate	Cap
Chemists And Pharmaceutical Stores	—	—
Other Categories	—	Utility spends capped at 450 points per statement cycle
YES Pay Now	—	—

• Redemption fee: ₹100

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹35,000 prior spend (quarter)

International

Not included

Fees & charges

Joining fee: ₹1,499 plus applicable taxes
Annual / renewal fee: ₹1,499 plus applicable taxes for cards onboarded on or after 1 July 2022. 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Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher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 ₹250/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 31 parameters
Twelve fitness sessions a month covering gym, yoga and similar classes
Domestic lounge visits each quarter, spend-gated
Digital health assessment with face scan, twice a year

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