Author
LoansJagat Team
Read Time
6 Min
24 Jun 2025
Yes Bank Credit Card – Rewards, Benefits & How to Apply
The Yes Bank Wellness Plus Credit Card helps Tripathi stay financially secure while enjoying health benefits, exclusive offers, and discounts that promote both savings and wellness.
Example: Mr. Tripathi’s credit card encompasses a unique benefit of a free annual health check-up of 31parameter only. He avails this free offer every year to make the following tests:
Test Name | Price | Completely free of cost |
Complete Blood Count | ₹ 1,000 | |
Blood Sugar | ₹ 1,000 | |
Kidney Function Urinalysis | ₹ 1,000 | |
Eye Check-up | ₹ 800 |
These tests could have cost Mr. Tripathi around ₹ 3,800. But, Yes Bank Wellness Plus Credit Card helps him to save even that amount! Interesting, isn’t it? This is how a credit card protects your health and hard-earned money. A credit card is not only about purchasing now and paying later. Beyond that, there are vast offers that secure the cardholders’ finances.
This blog enlightens you on the Yes Bank Credit Card.
Let’s understand how Mr. Tripathi gets approved for the Yes Bank Wellness Plus Credit Card. He can meet the following criteria, prescribed by Yes Bank.
Age | Minimum Age | Maximum Age Limit |
21 years | 60 years | |
Income | Salaried | Self-employed |
₹ 25,000 and above | ₹ 5 lakhs and above |
Mr. Tripathi works as a Senior Editor in a private newspaper with a salary of ₹ 75,000 per month. However, he does not have a CIBIL score of more than 700. But, he has a fixed deposit of ₹ 5,00,000 for 7.20% in YesBank. This helps him qualify for this credit card.
Let’s see what benefits he can avail from this credit card.
Features | Benefits |
Health Benefits | Complimentary health check-ups for 31 parameters.
Free health consultation via Apps.
12 free fitness sessions in a month. |
Example: Mr. Tripathi can maintain his body fitness with the 12 free fitness sessions in a month. | |
Reward Points | 30 reward points per ₹ 200 purchase on pharmaceutical stores.
6 reward points on other shopping categories.
Eligible for 5x reward points on the first three transactions. |
Example: Mr. Tripathi can earn 30 reward points if he spends at least ₹ 200 at a drug store. | |
Lounge Access | Free domestic lounge access for two times in a financial quarter. |
Example: Mr. Tripathi can avail of two lounge accesses in India for the financial quarter of January to March. | |
Easy Redeem of Reward Points | The reward points can be redeemed for travel or hotel bookings. |
Example: If Mr Tripathi has 5000 reward points, he can redeem them in a flight booking, by paying a lesser amount. | |
Insurance Coverage | Eligible for ₹ 1 crore insurance for flight accidents.
Availability of ₹ 25,00,000 insurance coverage in case of emergency hospitalisation, on overseas travel. |
| Example: If Mr Tripathi gets admitted to the hospital while travelling overseas, he gets paid ₹ 25,00,000 insurance. |
Fuel Surcharge Waiver | 1% fuel surcharge waiver for transactions between ₹ 400 and ₹ 5,000. |
Example: A fuel transaction of ₹ 500 gets a 1% waiver, i.e., ₹ 5. |
Fees and Other Charges
Joining Fee | ₹ 1,499 + Tax |
Renewal Fee | ₹ 1,499 + Tax |
Monthly Interest Rate | 3.99% |
Annual Interest Rate | 47.88% |
Types of Credit Cards from Yes Bank
Apart from Mr. Tripathi’s Yes Bank Wellness Plus Credit Card, there are also other type of credit cards, which meets the cardholder’s financial requirements.
1. Yes Bank Private Credit Card
This is a premium credit card that is suitable for people who like to spend more on travel and lifestyle.
Features | Benefits |
Welcome Benefit | ₹ 2 lakhs bonus reward points.
50,000 additional reward points if total purchases exceed ₹ 10 lakhs in the first 90 days after activating the card.
Oberoi e-gift voucher of ₹ 9,000 |
Example: Mr. Tripathi can use the Oberoi e-gift voucher of ₹ 9,000 immediately after activating the credit card. | |
Rewards Rate | 20 reward points per ₹ 200 on domestic transactions.
40 reward points per ₹ 200 on international transactions. |
Example: Mr. Tripathi gets 20 reward points per ₹ 200 spent on domestic transactions. | |
Lounge Access | Unlimited free access for both domestic and international lounges. |
Example: Mr. Tripathi can go to the domestic or international lounge access at any time he wants. | |
Entertainment |
Eligible for a free movie ticket via BookMyShow, with a maximum of 4 tickets worth ₹ 250, in a month.
50 % off for event tickets through BookMyShow. |
Example: Mr. Tripathi can get a 50% discount for booking events via BookMyShow. |
Fees and Other Charges
Joining Fee | ₹ 50,000 + Tax |
Renewal Fee | ₹ 10,000 Tax |
Monthly Interest Rate | 2.99% |
Annual Interest Rate | 35.88% |
2. Yes Bank RESERV Credit Card
This credit card is suitable for those who want to spend on excluded categories such as insurance and utility bills.
Features | Benefits |
Rewards | 24 Yes Reward Points for all online purchases of ₹ 200.
12 YES REWARD POINTS for all offline purchases of ₹ 200.
6 YES REWARD POINTS for purchases worth ₹ 200 on select categories. |
Example: Mr. Tripathi can get any of these reward points for select transactions. | |
Lounge Access | Three domestic lounge visits per quarter in a financial year.
Six international lounge visits per year. |
Example: Mr. Tripathi can have free 3 domestic lounge access in a year. | |
Fuel Surcharge Waiver | 1% waiver for transactions between ₹ 400 and ₹ 5,000. |
Example: Mr. Tripathi gets a 1% waiver for the fuel transaction of ₹ 8000 | |
Additional Benefits | 8,000 bonus rewards after card renewal. |
Example: Mr. Tripathi gets an 8,000 bonus to enjoy his shopping on every renewal. |
Fees and Other Charges
Joining Fee | ₹ 2,499 + Tax |
Renewal Fee | ₹ 2,499 + Tax |
Monthly Interest Rate | 3.99% |
Annual Interest Rate | 47.88% |
3. Yes Bank MARQUEE Credit Card
This is a premium credit card from Yes Bank, which comprises high-level offers, although the joining fee is ₹ 9,999, excluding taxes.
Features | Benefits |
Rewards | 40,000 reward points as a joining benefit.
36 YES REWARD POINTS for online purchases worth ₹ 200 on select categories.
18 YES REWARD POINTS for all offline purchases of ₹ 200.
10 YES REWARD POINTS for purchases worth ₹ 200 on select categories. |
Example: Mr. Tripathi gets 40,000 reward points, which can be used later. | |
Lounge Access | Eligible for 6 domestic lounge accesses in a quarter of a financial year.
2 complimentary domestic lounge visits in a quarter for guests.
Unlimited international lounge access. |
Example: Mr. Tripathi can enjoy unlimited international lounge access every year. | |
Insurance Coverage | Eligible to get an insurance of ₹ 15 lakhs. |
Example: Mr. Tripathi can have ₹ 15 lakh insurance | |
Fuel Surcharge Waiver | 1% waiver for transactions between ₹ 400 and ₹ 5,000. |
Example: Mr. Tripathi can have a 1% waiver for a fuel transaction. | |
Foreign Mark-up Value | 1% of the foreign currency mark-up fee. |
Example: Mr. Tripathi gets a 1% markup fee for foreign transactions. |
Fees and Other Charges
Joining Fee | ₹ 9,999 + Tax |
Renewal Fee | ₹ 9,999 + Tax |
Monthly Interest Rate | 2.99% |
Annual Interest Rate | 35.88% |
4. Yes Bank ELITE+ Credit Card
As the name suggests, it is an elite card that makes the cardholder feel empowered, to make shopping happier and memorable.
Features | Benefits |
Rewards | 12 YES REWARD POINTS for online purchases worth ₹ 200, on select categories.
6 YES REWARD POINTS for all offline purchases worth ₹ 200, on select categories.
4 YES REWARD POINTS for purchases worth ₹ 200 on select categories. |
Example: Mr. Tripathi gets 12 YES REWARD POINTS after buying a Bluetooth headset online. | |
Lounge Access |
2 complimentary domestic lounge access per calendar quarter.
3 international lounge access for the cardholders of Mastercard and Visa Card. |
Example: Mr. Tripathi can avail of any of the above-mentioned lounge access. | |
Insurance Coverage | ₹ 3,00,000 lakhs insurance coverage. |
Example: Mr. Tripathi gets insurance coverage of ₹ 3,00,000 lakhs | |
Fuel Surcharge Waiver | 1% waiver for transactions between ₹ 400 and ₹ 5,000. |
Example: Mr. Tripathi can have his waiver like the rest of the Yes Bank Credit Card. | |
Foreign Mark-up Value | 2.75% of foreign currency mark-up fee. |
Example: Mr. Tripathi gets 2.75% markup fees for foreign transactions. |
Fees and Other Charges
Joining Fee | ₹ 999 + Tax |
Renewal Fee | ₹ 999 + Tax |
Monthly Interest Rate | 3.99% |
Annual Interest Rate | 47.88% |
Documents Required to Apply for a Credit Card
Mr. Tripathi should furnish the following documents to get the sanction of his desired credit card:
Identity Proof | Aadhaar Card, driving license, PAN card, Voter ID, or Passport. |
Residence Proof | Electricity Bill, Ration card, previous month’s bank statement, or telephone bill. |
Income Proof | Latest Payslip, Form 16, or Income Tax Return |
Conclusion
Like Mr. Tripathi, everyone can save money by using Yes Bank credit cards. The numerous offers and special discounts can be availed at various purchasing platforms to make the shopping very meaningful. The complimentary health check-ups from Yes Bank are a boon to take preventive measures in protecting health.
FAQs
1. What is the joining fee of the Yes Bank MARQUEE Credit Card?
The joining fee of this credit card is ₹ 9,999 + Tax.
2. What is the joining fee of the Yes Bank Private Credit Card?
The joining fee of this credit card is ₹ 50,000 + Tax.
3. Can I use a ration card as residential proof?
Yes, you can use a ration card as residential proof.
4. What is the annual interest rate for the Yes Bank RESERV Credit Card?
The annual interest rate for this credit card is 47.88%.
5. Does the bank examine my CIBIL score for credit card approval?
Yes, the bank examines your CIBIL score for credit card approval.
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LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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