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
Age	21 years	60 years
Income	Salaried	Self-employed
Income	₹ 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.
Health Benefits	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.
Reward Points	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.
Lounge Access	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.
Easy Redeem of Reward Points	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.
Fuel Surcharge Waiver	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.

Read More - YES Bank Zero Balance Account

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.
Rewards	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.
Lounge Access	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.
Fuel Surcharge Waiver	Example: Mr. Tripathi gets a 1% waiver for the fuel transaction of ₹ 8000
Additional Benefits	8,000 bonus rewards after card renewal.
Additional Benefits	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.
Rewards	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.
Lounge Access	Example: Mr. Tripathi can enjoy unlimited international lounge access every year.
Insurance Coverage	Eligible to get an insurance of ₹ 15 lakhs.
Insurance Coverage	Example: Mr. Tripathi can have ₹ 15 lakh insurance
Fuel Surcharge Waiver	1% waiver for transactions between ₹ 400 and ₹ 5,000.
Fuel Surcharge Waiver	Example: Mr. Tripathi can have a 1% waiver for a fuel transaction.
Foreign Mark-up Value	1% of the foreign currency mark-up fee.
Foreign Mark-up Value	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

Also Read – YES Bank Timings

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.
Rewards	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.
Lounge Access	Example: Mr. Tripathi can avail of any of the above-mentioned lounge access.
Insurance Coverage	₹ 3,00,000 lakhs insurance coverage.
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.
Fuel Surcharge Waiver	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.
Foreign Mark-up Value	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.

Other Credit Card Pages
Axis Bank Credit Card	Bank of Baroda Credit Card	ICICI Bank Credit Card
IDBI Bank Credit Card	IndusInd Bank Credit Card	RBL Bank Credit Card
Yes Bank Credit Card	Flipkart Axis Bank Credit Card	HSBC Visa Premium Credit Card
Top Credit Card with Maximum Cashback