The YES Bank Wellness Plus Credit Card is designed to complement your healthy lifestyle by providing exclusive access to a wide range of wellness-related services and discounts. With its attractive rewards program, competitive interest rates, and seamless integration into your daily routine, the Wellness Plus Credit Card empowers you to prioritize your well-being without compromise.
Yes Bank Wellness Plus Credit Card
Joining: 1,000 INR + taxes
Renewal fee: 1,000 INR + taxes per year
Rewards: Accelerated reward points on wellness spends.
Welcome Benefits: Offers as applicable at the time of application
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Features & Benefits of Yes Bank Wellness Plus Card
Healthy Rewards: Earn 20 reward points for every Rs. 100 spent on wellness-related purchases like gym memberships, health supplements, medical expenses, and more. Redeem these points for exciting vouchers, cashbacks, or merchandise.
Complimentary Wellness Benefits: Enjoy a free annual health check-up worth Rs. 1,500, along with discounts on diagnostic tests, pharmacy bills, and even alternative therapies like yoga and meditation sessions.
Fuel Surcharge Waiver: Save up to 4% on fuel expenses by availing of the fuel surcharge waiver at participating petrol pumps.
Golf Privileges: Indulge in your love for golf with complimentary green fee waivers at select premium golf courses across the country.
Travel Benefits: Get discounts on booking domestic and international flights, hotels, and other travel-related services through the bank’s exclusive partners.
Dining Delights: Relish delectable cuisines at discounted rates by availing of offers at select restaurants and eateries.
Exclusive Lifestyle Offers: Enjoy special privileges and discounts on wellness products, spa treatments, fitness equipment, and more, curated exclusively for Wellness Plus Credit Card holders.
Affordable Fees: With a nominal joining fee and annual fee, the Wellness Plus Credit Card provides excellent value for money, especially for individuals focused on leading a healthy lifestyle.
Seamless Digital Experience: Manage your credit card transactions, reward points, and account details effortlessly through the bank’s user-friendly mobile app and online banking platform.
Other Yes Bank Credit Card offers in India
Fees & charges of Yes Bank Wellness Plus Card
Annual Fees: The YES Bank Wellness Plus Credit Card comes with an annual fee of Rs. 1,000 + GST. However, this fee is currently waived off for the first year.
Renewal Fees: After the first year, the annual renewal fee for the card is Rs. 1,000 + GST.
Interest Rates: The interest rate on this credit card varies based on your credit profile and spending patterns. Typically, it ranges between 3.25% and 3.49% per month (39% – 41.88% annually).
Late Payment Fees: If you miss your due date for payment, a late payment fee of Rs. 500 + GST will be charged.
Over-Limit Fees: In case your total outstanding exceeds the credit limit, an over-limit fee of 2.5% of the overdrawn amount (subject to a minimum of Rs. 500 + GST) will be levied.
Cash Advance Fees: For cash withdrawals from ATMs or over the counter, a transaction fee of 2.5% (subject to a minimum of Rs. 300 + GST) is applicable.
Foreign Currency Markup: For international transactions, a markup of 3.5% is charged on the INR equivalent of the transaction amount.
Fuel Surcharge: A surcharge of 2.5% or Rs. 10 (whichever is higher) is levied on fuel transactions at petrol pumps.
Cheque Bounce Charges: In the event of a cheque bounce, a fee of Rs. 500 + GST will be charged.
GST: All the above-mentioned fees and charges are subject to Goods and Services Tax (GST) as applicable.
Rewards and Cashback of Yes Bank Wellness Plus Credit Card
Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharge when you refuel at any petrol pump across India, making your fuel expenses more economical.
Accelerated Rewards on Wellness Spends: Earn accelerated reward points on all your wellness-related spends, such as gym memberships, fitness equipment, health supplements, and more, encouraging a healthier lifestyle.
Dining Delights: Savor the flavors of your favorite restaurants while earning accelerated reward points on dining spends, making every culinary experience even more rewarding.
Online Shopping Bonanza: Indulge in online shopping and earn cashback on your purchases from select e-commerce platforms, making your digital shopping experience more gratifying.
Groceries and Utility Bill Cashback: Save money on your everyday essentials by earning cashback on your grocery and utility bill payments, helping you stretch your budget further.
Milestone Rewards: Unlock exclusive rewards and privileges as you reach specific spending milestones, incentivizing you to continue using your YES Bank Wellness Plus Credit Card for all your purchases.
Complimentary Domestic Lounge Access: Enjoy the luxury of complimentary domestic lounge access at select airports, making your travel experience more comfortable and convenient.
Exclusive Wellness Offers: Gain access to special wellness-related offers and discounts from partnered brands, allowing you to prioritize your well-being while saving money.
How to Redeem Earned Rewards and Cashback Points on Yes Bank Wellness Plus Card?
The Wellness Plus Credit Card from Yes Bank offers a rewarding cashback program that allows you to accumulate points on your everyday spends. These points can be redeemed for exciting rewards, making your purchases even more rewarding.
- To redeem your earned rewards and cashback points, log in to your Yes Bank online banking account or the Yes Bank mobile app. Navigate to the ‘Rewards’ section, where you’ll find a comprehensive list of all the rewards available for redemption.
- Browse through the rewards catalogue, which features a wide range of options, including merchandise, gift vouchers, online shopping vouchers, and even the option to redeem points for cash credits directly into your account.
- Once you’ve selected the reward of your choice, follow the on-screen instructions to complete the redemption process. You’ll need to provide the required number of points for the selected reward, and confirm the redemption.
- If you’re redeeming points for cash credits, the amount will be credited to your Wellness Plus Credit Card account within 2-3 working days. For other rewards, like merchandise or vouchers, the delivery timelines may vary, but you’ll receive tracking information once your order is processed.
Keep an eye on the expiry date of your accumulated points, as they may have a validity period. Plan your redemptions accordingly to ensure you don’t miss out on enjoying the rewards you’ve earned.
Eligibility for Applying Yes Bank Wellness Plus Credit Card
- Applicant should be an Indian resident with a valid PAN card.
- Age criteria: 21 to 65 years at the time of application.
- Minimum annual income requirement:
- For salaried individuals: ₹3 lakh per annum.
- For self-employed individuals: ₹4 lakh per annum.
- Applicant should have a good credit history with a CIBIL score of 750 or above.
- Existing YES Bank customers with a satisfactory banking relationship may have a higher chance of approval.
- Applicants should not have any outstanding credit card dues or loan defaults with any bank or financial institution.
- For supplementary card applicants, the primary cardholder should meet the eligibility criteria, and the supplementary applicant should be at least 18 years old.
- Employees of specific corporate partners of YES Bank may enjoy relaxed income eligibility criteria.
- Applicants should provide all the required documents, such as identity proof, address proof, income proof, and bank statements, as per the bank’s guidelines.
Documents Required for Yes Bank Wellness Plus Credit Card
Passport Size Photographs – You need to submit 2 recent passport-size color photographs with a white background.
Proof of Identity – Submit any one of the following – Passport, Driving License, PAN Card, Voter’s ID, Aadhaar Card.
Proof of Residence – Provide any one document as residence proof like Electricity Bill, Telephone Bill, Gas Bill, Rent Agreement, Ration Card, etc. The document should not be older than 3 months.
Income Documents – Salaried individuals must submit their latest 3 months’ salary slips and Form 16. Self-employed/professionals can provide ITR along with computation of income, bank statements for the last 6 months, etc.
Bank Statement – Submit your latest 6 months’ bank account statement if you have a banking relationship with YES Bank. For other banks, provide the latest 1 year’s statement.
Signature Proof – A blank sheet carrying your signature, duly notarized can serve as signature proof if required by the bank.
Age Proof – Submit your birth certificate, school leaving certificate, or first page of your passport as age proof document.
Employment Proof – If salaried, provide a copy of your employment ID/Visa. Self-employed applicants can give address proof/registration certificates.
How to apply for Yes Bank Wellness Plus Credit Card?
- Visit the official website of YES Bank or walk into any of their branches across India.
- Look for the ‘Apply for Credit Card’ section on the website or inquire about the Wellness Plus Credit Card at the branch.
- You’ll need to fill out an application form with your personal details, such as name, date of birth, address, contact information, and employment details.
- Provide your income documents, such as salary slips, Form 16, or Income Tax Returns, as proof of your financial standing.
- Submit your identity and address proofs, like PAN card, Aadhaar card, passport, driving license, utility bills, etc.
- If you’re an existing YES Bank customer, your application process may be simplified, and you might not need to submit certain documents.
- Once your application is submitted, YES Bank will verify your details and conduct necessary credit checks.
- If your application is approved, you’ll receive your Wellness Plus Credit Card within 7-10 working days, along with a welcome kit containing the card’s terms and conditions.
- Upon receiving the card, you’ll need to activate it by calling the number provided or through the bank’s website or mobile app.
- Set up your PIN (Personal Identification Number) and start using your Wellness Plus Credit Card for purchases and availing of the card’s benefits and rewards.
Yes Bank Wellness Plus Credit Card Limit
- The Wellness Plus Credit Card from YES Bank offers a credit limit ranging from Rs. 25,000 to Rs. 10,00,000, depending on your income, credit history, and other eligibility criteria.
- For salaried individuals, the credit limit is typically determined based on their monthly income. As a general guideline, the credit limit could be around 3-4 times their monthly net salary.
- For self-employed individuals or businesspersons, the credit limit is evaluated based on their annual income, business turnover, and other financial details provided during the application process.
- YES Bank may request additional documents or information to ascertain your repayment capability and determine an appropriate credit limit for your Wellness Plus Credit Card.
- If you have an existing credit card with YES Bank and have maintained a good repayment track record, the bank may consider increasing your credit limit upon request or periodic review.
- It’s essential to manage your credit utilization responsibly and maintain a good credit score, as these factors can influence future credit limit increases or decreases.
- The credit limit assigned to your Wellness Plus Credit Card is subject to periodic review by YES Bank, and they reserve the right to modify it based on your credit behavior and overall financial profile.
- You can check your current credit limit by logging into your YES Bank online banking account, contacting their customer care, or referring to your monthly credit card statement.