YES BANK Wellness Credit Card (Standard)
An affordable wellness solution for households managing medical expenditures. At a modest ₹499 annual fee, it delivers a 2.5% return on pharmacy and diagnostic center expenses, backed by complimentary annual preventive health checkups and 6 gym passes per year.
Why We Recommend The YES BANK Wellness Credit Card (Standard)
An economical wellness card that provides essential medical checkups and reliable 2.5% pharmacy savings for ₹499.
Budget-conscious individuals wanting routine pharmacy savings and basic annual health screening checkups.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES BANK Wellness Credit Card (Standard)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES BANK Wellness Credit Card (Standard)
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES BANK Wellness Credit Card (Standard)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES BANK Wellness Credit Card (Standard) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
2.5% return on medical and chemist store bills.
Complimentary basic annual health screening and gym session passes.
1% fuel surcharge waiver up to ₹150 monthly across India.
Pros & Cons of the YES BANK Wellness Credit Card (Standard)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Budget-friendly ₹499 alternative to the ₹1,499 Wellness Plus card.
- Free preventive health checkup package covers the annual fee.
- Steady 2.5% savings on family medical and pharmacy expenses.
Things to Consider (Cons)
- Zero airport lounge access.
- Standard 3.50% foreign exchange markup.
- Gym session passes are limited to 6 visits per year.
Who Can Apply for the YES BANK Wellness Credit Card (Standard)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES BANK Wellness Credit Card (Standard)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the YES BANK Wellness Credit Card (Standard)?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.