YES Wellness Credit Card
The YES Wellness Credit Card is a health-focused card that accelerates rewards on wellness-related spending.
Travel & Lounge Fit Score
82/100
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Rate (%)
0.5 – 3
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
20/25
Lounge & Perks
15/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
YES Wellness Credit Card Benefits
YES Wellness Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.5% – 3%
Earn rate
YES Wellness Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
YES Wellness Credit Card Lounge Access
Airport perks included with this card
3 per quarter
Domestic lounge visits
0 per year
International lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No airport lounge access
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
YES Wellness Credit Card Eligibility
Employment type
Pros & Cons
- 12 YES Reward Points per ₹200 on pharmacy, gym, spa, hospital, yoga
- 3 YES Reward Points per ₹200 on other categories
- 3 complimentary domestic airport lounge visits per quarter
- Annual fee waived on ₹2 lakh spend
- Fuel surcharge waiver
- ₹1,499 annual fee (if threshold not met)
- No international lounge access
- Best rewards limited to wellness categories
Who is this card for?
Health-conscious individuals who spend significantly on medicines, gym memberships, hospital visits, or wellness treatments. The accelerated rewards on health categories + 3 lounge visits per quarter make it a solid mid-tier choice.
Quick Links
Data last updated 10 Aug 2026
Calculate your exact earnings with YES Wellness Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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