YES Bank Wellness Plus Credit Card
The YES Bank Wellness Plus Credit Card offers a mix of health benefits and rewards. You earn 6 reward points for every ₹200 spent, and if you shop at pharmacies, you get 30 reward points (5X) for every ₹200 spent. Additionally, you can earn 1,000 reward points when you register for YES PayNow. The card also provides health benefits like 12 free fitness sessions each month and free preventive health checkups through the app.
For travel, the card offers 2 complimentary visits to airport lounges each quarter, with access to over 30 lounges across India. It has a joining fee of ₹1,499 and comes with extra perks like insurance and a fuel surcharge discount. The Wellness Plus Credit Card is a great option for those looking for health-related benefits along with other valuable rewards and services.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
Does this card have medical insurance?
Yes, this card provides medical insurance of Rs. 25 lakhs for emergency hospitalization.
What is the Instant EMI facility on this card?
YES Bank offers the Instant EMI facility, which allows you to convert purchases over Rs. 2,500 into EMIs with repayment terms from 3 to 24 months. The interest rate ranges from 12% to 15% annually.
How do I block my YES Bank Wellness Plus Credit Card if it's lost?
If your card is lost, immediately block it by sending an SMS with the text "BLKCC" to 9840909000 from your registered mobile number.
How can I check the status of my YES Bank Wellness Plus credit card application?
You can check your application status on the YES Bank Credit Card Application Status page.
How can I generate a YES Bank credit card PIN?
To generate your PIN, log in to your YES Bank Net Banking account or visit any YES Bank ATM.
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