LifestyleMidMastercardVisa

YES Bank Wellness Plus Credit Card

Health cover, fitness sessions and quarterly lounge visits

Annual fee₹1,499

Rewards30 reward points per ₹200 spent at chemists and pharmaceutical stores, and 6 per ₹200 on other categories.

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

Domestic

8visits / year

International

Not included

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Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher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