Yes Bank Wellness Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Every year, you receive a free preventive health check-up. You are entitled to 6 free fitness sessions per month, including options such as gym, Zumba, and yoga. You can enjoy unlimited health benefit offers and earn Reward Points in various categories. For every Rs 200/- spent at chemist/ pharmaceutical stores, you can earn 20 Reward Points. In the unfortunate event of the accidental death of the primary cardholder, Credit Shield coverage is provided. You can benefit from a 1% fuel surcharge waiver at all fuel stations in India.

The Yes Bank Wellness Credit Card is an ideal choice for individuals who enjoy shopping.

With a joining fee of Rs. 749 + GST and a renewal fee of Rs. 749 + GST, it offers great value for money.

The reward type for this credit card is Reward Points, where 1 Reward Point is equal to Rs. 0.25 for shopping.

This means that every purchase made with this card will earn you points that can be redeemed for various rewards.

While there is no specific welcome benefit, the card does offer great offers and discounts on movies, shopping, travel, and wellness at participating locations on YES Privileges.

This makes it a fantastic option for movie enthusiasts and shopping lovers.

One of the standout features of this credit card is the Credit Shield coverage it provides in case of accidental death of the Primary cardholder.

This insurance benefit offers peace of mind and financial protection to the cardholder and their family.

When it comes to fees, there is a redemption fee of Rs. 100/- plus GST applicable for rewards redemption.

Additionally, a foreign currency markup of 3.5% is charged on international transactions.

However, fuel surcharge is waived off by 1% on fuel transactions between INR 400 to INR 5,000 made in India.

The interest rate on this credit card is 42% per annum (3.5% per month), which is slightly on the higher side.

Cash advances attract a fee of 2.5% of the transaction amount or Rs. 300, whichever is higher.

In summary, the Yes Bank Wellness Credit Card offers great benefits and discounts on shopping and movies, along with the convenience of earning Reward Points on every transaction.

With its insurance coverage and fuel surcharge waiver, it provides additional value to cardholders.

However, it is important to consider the higher interest rate and redemption fees before making a decision.