YES Bank Wellness Credit Card Review
Original Wellness (non-Plus): 10X on pharmacy (5% effective), 6 fitness sessions/month, health check-ups, 499 fee. April 2026.
Who this is for
The YES Bank Wellness (original) is India's entry-level health-wellness credit card. Lower fee than Wellness Plus (499 vs 1,499), also lower benefits — half fitness sessions (6 vs 12), fewer health features. Best for light-wellness users who don't want Wellness Plus commitment.
Wellness + health benefits
- 6 complimentary fitness sessions per month (gym, Zumba, yoga)
- Complimentary preventive health check-up annually
- Eye & dental check-up annually
- Unlimited consultation from GPs, nutritionists, specialists via Aditya Birla Multiply app
- Credit Shield coverage against accidental death
Reward structure
- Pharmacy / chemist stores: 20 RP per 200 = 10X multiplier = 5% effective at RP value 0.25
- All other categories: 4 RP per 200 = ~1% effective
- Fuel surcharge waiver: 1% at various fuel stations
Compared with alternatives
| Card | Fee | Pharmacy rate | Fitness sessions |
|---|---|---|---|
| YES Wellness (original) | 499 | 5% (20 RP/200) | 6/month |
| YES Wellness Plus | 1,499 | 7.5% (30 RP/200) | 12/month |
| ICICI Amazon Pay | LTF | 1% flat | None |
| HSBC Live+ | 999 | 10% dining+grocery+food | None |
Should you apply?
Apply if: Pharmacy spend under 4,000/month (Wellness Plus overkill), want 6 fitness sessions with annual health check-ups.
Skip if: Pharmacy spend over 4,000/month — Wellness Plus is better value. Also skip if you want lounge access.
The bottom line
YES Bank Wellness (original) is an entry-level health card below stronger Wellness Plus. For light wellness users, 6 fitness sessions + annual check-ups + 5% pharmacy at 499 fee makes sense. For serious wellness focus, upgrade to Wellness Plus.
Verified against YES Bank's official Wellness page and April 2026 listings. Fitness + health check-ups via Aditya Birla Multiply partnership.