Research coverage — 12/16 categories
YES Bank
YES BANK Wellness Plus Credit Card
Best forGroceries & Dining
Earns15 RP/₹100 on groceries
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
Annual renewal fee
Fee waiver
Not recorded
Network
Not recorded
YES Bank
YES BANK Wellness Plus Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 15 RP/₹100
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries15 RP/₹100
Dining3 RP/₹100
Shopping3 RP/₹100
All 16 reward categories · 12 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | Not a good fit | — | Education payments excluded from reward points accrual per YES Bank Wellness Plus terms and regulatory circularDetails
|
| Insurance | Not a good fit | — | Insurance premium payments excluded from reward points accrual per YES Bank Wellness Plus terms and regulatory circularDetails
|
| Utilities | — | — | Research pendingDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 15 RP/₹100 | — | 30 Reward Points per ₹200 spent on pharmacy & chemist shops (3.75% value)Details
|
| Dining | 3 RP/₹100 | — | 6 Reward Points per ₹200 spent on general retail (0.75% value)Details
|
| Food Delivery | — | — | Research pendingDetails
|
| Shopping | 3 RP/₹100 | — | 6 Reward Points per ₹200 spent on general retail (0.75% value)Details
|
| Travel | — | — | Research pendingDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | Not a good fit | — | Passenger Railways (MCC 4112) strictly excluded from reward points accrual per YES Bank regulatory circular effDetails
|
| FASTag | Not a good fit | — | Toll and ferry transactions (MCC 4784) strictly excluded from reward points accrual per YES Bank regulatory circular effDetails
|
| Jewellery | Not a good fit | — | Jewellery purchases (MCC 5094, 5944) strictly excluded from reward points accrual per YES Bank regulatory circular effDetails
|
| Telecom | — | — | Research pendingDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
Annual renewal fee
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
15 RP/₹100 on groceries
Lounge access
2 domestic lounge/qtr
Foreign-currency markup
3.50% forex
Important to know
Limits and exclusions that change what you earn.
- No reward on: Rent, Fuel, Government, Wallet
- Not recommended for: Education, Insurance, Railways, FASTag +1 more
- Research pending: Utilities, Food Delivery, Travel, Telecom — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, shopping
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 9 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Education — Not a good fit. Education payments excluded from reward points accrual per YES Bank Wellness Plus terms and regulatory circular.
- Insurance — Not a good fit. Insurance premium payments excluded from reward points accrual per YES Bank Wellness Plus terms and regulatory circular.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
- Railways — Not a good fit. Passenger Railways (MCC 4112) strictly excluded from reward points accrual per YES Bank regulatory circular eff.
- FASTag — Not a good fit. Toll and ferry transactions (MCC 4784) strictly excluded from reward points accrual per YES Bank regulatory circular eff.
- Jewellery — Not a good fit. Jewellery purchases (MCC 5094, 5944) strictly excluded from reward points accrual per YES Bank regulatory circular eff.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to YES Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: 2 domestic lounge/qtr
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: 3.50% forex
What DhanChakshu couldn't fully verify · 6 areas
6 areas need further verification. None of these are counted as zero.
- • Utilities — research pending
- • Food Delivery — research pending
- • Travel — research pending
- • Telecom — research pending
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-27
Verification coverage: 12 of 16 categories verified · 4 still being verified
Card record last checked: 2026-09-27
Documents used
YES BANK Wellness Plus Credit Card Product Page · YES-SRC-004 · 2026-09-27