Yes Bank Wellness Plus Credit Card
Product Details
Credit Card Name :
Yes Bank Wellness Plus Credit Card
Bank Name :
Yes Bank
Type :
Health and Wellness Credit Card
Interest Rate :
3.8% p.m (45.6% p.a)
Eligibility :
Age Criteria: Minimum 21 years to maximum 60 years.
Salaried or Self Employed.
Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lacs and above.
Pros
Welcome Benefit: Get a FREE Amazon voucher worth INR 500 on spending INR 1000 within the first 30 days.
Reward System: 1 Reward Point = INR 0.25, 15 Reward Points per INR 100 spent on Chemist/ Pharmaceutical stores. Effective medical cashback rate: 3.75%. 3 Reward Points per INR 100 spent on all other categories. Cashback Rate: 0.75%.
Travel Benefits: 4 Domestic lounge access facilities per year.
Other Benefits: Complimentary Health Check-ups, 12 complimentary Zumba, yoga, and Gym sessions per month, and insurance coverage.
Cons
Low generic cashback rate.
Limited number of non-health benefits.
Pros & Cons
Welcome Benefits
Get a FREE Amazon voucher worth INR 500 on spending INR 1000 within first 30 days.
Rewards System
30 Reward Points per Rs. 200 spent on chemist/pharmaceutical stores: This translates to 15% points earned in these categories. (CB Rate: 3.75%)
6 Reward Points per Rs. 200 spent on all other categories: This translates to 3% points earned for non-specific spending. (CB Rate: 0.75%)
5X Reward Points on the first 3 transactions of the biller registered on YES PayNow (valid only on the first 5 billers registered): This can be a bonus earning opportunity for specific bill payments.
1 RP= 0.25 Paisa.
Effective Cashback Rate: 1.25%
International Forex Markup
3.50%
Welcome Benefits and Reward System
Special Features
Special Feature: You can get up to 12 complimentary fitness sessions per month, such as gym, yoga, and Zumba.
Eligibility Criteria
Age Criteria: Minimum 21 years to maximum 60 years.
Salaried or Self Employed.
Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lacs and above.
Benefits
Complementary health checkup
Complimentary fitness sessions per month
Travel Benefits
Dining discounts
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Here are the steps on how to apply for the Yes Bank Wellness Plus Credit Card online:
Go to the Yes Bank website and click on the "Apply for Credit Card" tab.
Select the "Wellness Plus Credit Card" from the list of credit cards.
Enter your personal details, such as your name, address, and contact information.
Upload a copy of your PAN card and recent salary slip.
Select your preferred credit limit.
Submit your application.
You will receive a response from Yes Bank within a few days. If your application is approved, you will be issued the credit card within 7-10 working days.
Here are the documents required to apply for the Yes Bank Wellness Plus Credit Card:
Valid PAN card
Recent salary slip
Proof of address
Proof of identity
Contact Details
Toll Free No: 1800 103 6000
1800 103 1212
Email: yestouchcc@yesbank.in
Account Opening and Procedure
Yes Bank Wellness Plus Credit Card
Yes Bank Wellness Plus Credit Card is a great credit for health conscious individuals. It however, has limited number of non health benefits. Overall it is a feature rich card - benefits are mostly pertaining to health.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining/Annual Membership fees: INR1499 + GST
Cash Withdrawal Fees: 2.5% of amount withdrawn or INR500, whichever is higher.
Interest Rate: 3.8% p.m (45.6% p.a)
Late Payment Charges: INR 150 - INR 1000 for an outstanding amount ranging from INR 150 to INR 20,000 and above.
Reward Redemption Fee: INR 100 per request.
Fuel Surcharge : 1% upto INR 250 per statement cycle.
Foreign Currency Markup charges: 3.50%
Fuel Surcharge
1% upto INR 250 per statement cycle.
Billing Cycle
30 Days