First-year fee
First Year Membership Fee of ₹1499 + Applicable Taxes (for new cards onboarded on or after 1st Jul, 2022)
Annual fee
Renewal Membership Fee of ₹1499 + Applicable Taxes (for new cards onboarded on or after 1st Jul, 2022)
What it gives back
30 Reward Points on every ₹200 spent on Chemists / Pharmaceutical stores; 6 Reward Points on spending ₹200 on other categories.
How it compares
Compared with the cards we have read
Fees
Annual feeRenewal fee
Renewal Membership Fee of ₹1499 + Applicable Taxes (for new cards onboarded on or after 1st Jul, 2022)
Joining fee
First Year Membership Fee of ₹1499 + Applicable Taxes (for new cards onboarded on or after 1st Jul, 2022)
Fee waiver rule
Not offered: Minimum spend for waiver of annual fee (within 12 months prior to card anniversary date): Not Applicable
Add-on card fee
Add-on Card fee NIL
Welcome offer
Welcome benefit
Special offer for applying through the above link: Get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days
Rewards
Reward rate
30 Reward Points on every ₹200 spent on Chemists / Pharmaceutical stores; 6 Reward Points on spending ₹200 on other categories.
Reward exclusions
6 Reward Points on spending ₹200 on other categories: Effective 15th June 2026, valid on retail purchases only; not applicable on Rental, Wallet, fuel transactions, Cash Advance Fee, Government & Marketing / Advertising category transactions, EMI on Call & Instant EMI transactions, Insurance, Education, Railways, Toll, Ferry & Jewellery
Statement-credit redemption
Reward points can be redeemed against statement credit.
Point expiry
Reward points expire after 3 years from the date of earning.
Card benefits
Domestic lounge access
By spending threshold amount or more in the previous quarter, you automatically qualify for complimentary domestic lounge access in the subsequent quarter; threshold amount for Wellness Plus: ₹50,000; this spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India)
Also included
Fuel surcharge waiver
Effective 15th June 2026, transaction range for fuel surcharge waiver is ₹500 to ₹3,000; maximum surcharge waiver is ₹250 per statement cycle; for fuel transactions done through UPI surcharge waiver will NOT be provided
Surcharge on railway tickets
1% of the transaction amount + GST as Fee if the transaction exceeds ₹30,000 OR the cumulative spends on Passenger Railways category exceeds ₹80,000 in a calendar month; fee will be 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 ₹2,500; EMI on Call: Convert payments into EMI with on-call service at attractive interest rates.
Charges
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
Interest on unpaid balance
Interest Rate of 3.99% per month (47.88% annually), on Revolving Credit, Cash Advances and Overdue Amount.
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
₹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 th June 2026, 2.5% or ₹500 whichever is higher per instance of auto debit failure/return; charges capped at ₹5,000 per customer per statement
Card replacement fee
₹199 per re-issuance of a lost, stolen or damaged card, effective 15 th June 2026; the revised fee is only applicable to plastic cards; the fee is not applicable to all virtual 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 15 th June 2026)
Education / school fee charge
1% fee + applicable GST on education transactions done through third-party websites and applications including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month; 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
₹250 + GST for cheque deposit at Yes Bank Branches towards Credit Card repayment if the Credit Card repayment amount is Greater than or Equal to ₹1000/- (effective 15 th June 2026)
Foreign ATM fee
Cash withdrawals from domestic or international ATMs: transaction fee of 2.5% or ₹650 whichever is higher on all such withdrawals, effective 15 th June 2026; Cash Advance Fee is not applicable for any Virtual Credit Card
Reward redemption fee
₹100 + applicable GST 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 amount of ₹2,000 when loading funds onto third-party wallets; 1% fee on transactions exceeding amount of ₹2,000; maximum fee on any single transaction is ₹5,000
Fuel transaction fee
1% of the transaction amount + GST as fee if the transaction exceeds ₹10,000 OR the cumulative spends on Fuel category exceeds 25,000 (Other Credit Cards threshold amount) in a calendar month; fee will be capped at ₹5,000 per transaction
Rent transaction fee
Rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher; 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 the cumulative spends on Utility category exceeds ₹25,000 in previous calendar month; charges are capped at ₹5000 per transaction
GST note
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}; once the account becomes NPA, the minimum due is not applicable i.e. the minimum amount is same as total amount due
Eligibility
Income requirement
net salary of ₹20,000 per month
Income, 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
Minimum age
Between 21-60 years of age.
Residency
Only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai
Ways to redeem your points
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
Available reward points shall also expire upon card closure.
Whether carrying a balance ends the interest-free period
Interest free period is not applicable if the previous month’s statement balance has not been cleared in full on or before the due date; also not applicable if the Cardmember has withdrawn cash from ATM
How we know - 3 documents from YES Bank, checked 8 Nov 2026
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