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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -0.8%^ | -0.1%^ | 0.2% | 0.4% | 0.4% |
| Est. Monthly Reward (₹) | (40) | (15) | 35 | 185 | 435 |
| All-India Rewards Rank* | 217 | 251 | 275 | 303 | 286 |
| Within Bank Rank* | 10 | 14 | 14 | 16 | 15 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The YES Bank Wellness Credit Card gives 0.5% effective reward on all spending.
Overall, we estimate you can earn a net reward yield of 0.2-0.4% on spending above ₹20,000 with this card in a month.
The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.
You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.
If you are spending more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | YES Bank Wellness Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 20 Reward Points / ₹200 on Pharmaceutical Stores
4 Reward Points / ₹200 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | – Annual preventive health, eye & dental check-up
– 6 complimentary fitness sessions (Gym, Yoga, Zumba, etc.) per month – Unlimited Consultation from General Practitioners, Nutritionist, and Specialist |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem on YES Rewardz Portal
1RP = ₹0.25 |
| Card | YES Bank Wellness Credit Card | |
|---|---|---|
| Joining Fee | ₹749 + Taxes | |
| Annual Fee | ₹749 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | ₹25,000 p.m. |
| Self-employed | ITR>₹7.5 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% p.a. | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹300 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
