YES Bank Wellness Credit Card

Joining feeRenewal fee

First Year & Renewal Membership Fees of ₹499 + Applicable Taxes (for new cards onboarded on or after 28th Aug,2024); ₹749 + Applicable Taxes (for new cards onboarded between 1st July,2022 and 28th Aug,2024); for cards onboarded prior to this date, the fees applicable at the time of card issuance would continue

Fee waiver rule

Not offered: Minimum spend for waiver of annual fee is Not Applicable

Add-on card fee

Add-on card fee: NIL. Add-on Cards are not applicable for all variants; for eligible variant, a maximum up to 3 add-on cards can be issued

Welcome benefit

Special offer for applying through the above link: Get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days

Reward rate

20 Reward Points on every ₹200 spent on Chemists/Pharmaceutical stores; 4 Reward Points on spending ₹200 on other categories.

Reward caps

Reward Points Capping on Utility Spends per statement cycle: 300.

Flight redemption

Reward points can be redeemed against hotel and flight bookings; a convenience fee of ₹99 + applicable GST is applicable on flight booking through reward points

Hotel redemption

Reward points can be redeemed against hotel and flight bookings.

Statement-credit redemption

Reward points can be redeemed against statement credit.

Voucher and product redemption

Reward points can be redeemed against vouchers or merchandise.

Point expiry

Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning (applicable only to credit cards with Reward points as a product feature)

Fuel surcharge waiver

Up to 1% fuel surcharge reversed on eligible fuel transactions of ₹500 to ₹3,000; capping per statement cycle ₹125. Fuel transactions done through UPI: surcharge waiver will NOT be provided on the above listed Card variants

Surcharge on railway tickets

1% of the transaction amount + GST if the transaction exceeds ₹30,000 or cumulative Passenger Railways spends exceed ₹80,000 in a calendar month; fee capped at ₹5,000 per transaction. The fee is over and above any convenience fee/surcharge charged by the railway ticket booking platform

Purchase to EMI conversion

Instant EMI: pay in parts for your transactions as low as ₹2500; EMI on Call: convert payments into EMI with on-call service at attractive interest rates.

Forex markup

3.50% on foreign currency transactions.

Cash advance fee

Effective 15th June 2026: transaction fee of 2.5% or ₹650, whichever is higher, on cash withdrawals

Cash advance interestInterest on unpaid balance

Interest Rate of 3.99% per month (47.88% annually), on Revolving Credit, Cash Advances and Overdue Amount.

Cash withdrawal limit

Cash Advance limit is a subset of the overall Credit limit: up to 30% of the Credit Limit is assigned to a YES BANK Credit cardholder. Cash withdrawal from Credit card will be suspended for first 6 months from date of onboarding

Interest-free period

Interest free credit period of up to 50 days, subject to the scheme applicable on the specific Credit Card; not applicable if the previous month’s statement balance has not been cleared in full on or before the due date, or if the Cardmember has withdrawn cash from ATM

Late payment fee

No late payment charges if the current outstanding amount (statement balance + unbilled) is up to ₹500; above ₹500, 10% of statement balance or ₹1350 whichever is lower, per statement

Over-limit fee

Overlimit charge of ₹550 (plus applicable GST) for any transaction that exceeds the assigned credit limit

Payment return or dishonour fee

Cheque return or Cheque Dishonour fee ₹450 per instance of cheque return. Effective 15 June 2026, 2.5% or ₹500 whichever is higher on net payable amount per instance of Auto debit failure/return. Charges will be capped at ₹5,000 per customer per statement

Card replacement fee

₹199 per re-issuance if the card is lost, stolen or damaged (effective 15th June 2026); the revised fee is only applicable to plastic cards

Cash payment / cash deposit fee

Cash deposit fee at Yes Bank Branches towards Credit Card repayment: ₹500 + GST for amount greater than or equal to ₹1,000 (effective 15th June 2026)

Education / school fee charge

1% fee + applicable GST on education transactions done through third-party websites and applications; fee capped at ₹5,000 per calendar month. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged

Fee for paying the bill by cheque

Cheque deposit fee at Yes Bank Branches towards Credit Card repayment: ₹250 + GST if the repayment amount is Greater than or Equal to ₹1000 (effective 15th June 2026)

Foreign ATM fee

Cash withdrawals from domestic or international ATMs: transaction fee of 2.5% or ₹650, whichever is higher (effective 15th June 2026)

Reward redemption fee

A reward redemption fee of ₹100 + applicable GST is charged per redemption request, regardless of the number of points redeemed. The fee is not applicable for any credit card that do not offer Reward points as a feature

Wallet load charge

No fee on transactions up to ₹2,000 when loading funds onto third-party wallets; 1% fee on transactions exceeding ₹2,000; maximum fee on any single transaction is ₹5,000

Fuel transaction fee

Other Credit Cards: 1% of the transaction amount + GST if the transaction exceeds ₹10,000 or cumulative Fuel category spends exceed the threshold amount of 25,000 in a calendar month; fee capped at ₹5,000 per transaction

Rent transaction fee

Rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher. Rental transactions above ₹1000, 1% of the transaction value or ₹199 whichever is higher. Rental transactions are capped at 5 per 30 days period

Utility transaction fee

All other cards: 1% of the transaction amount + applicable GST on all Utility transactions if cumulative spends on Utility category exceed ₹25,000 in previous calendar month; charges are capped at ₹5000 per transaction

GST note

GST 18% (Applicable on all fee and charges)

Grace days after the due date

Account is eligible for late fee assessment if the minimum amount due is not received within the payment Due Date + Grace days

Minimum amount due

MAD = {Total GST + EMI amount + Membership/Rental/Wallet fees + Amount over the credit limit (if any)} + {(Finance Charges + other fees + 2% of Retail/Cash outstanding) or ₹200, whichever is higher}

Age the primary cardholder must beMinimum age

Between 21 and 60 years of age.

Eligibility

Salaried or self-employed individuals

Income requirementIncome, salariedIncome, self-employed

Salaried or Self-employed individuals; minimum net salary of ₹20,000 per month or Income Tax Return of ₹7.5 lakh and above

Residency

Cities Covered: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai.