YES Bank Wellness
DowngradeTwo and a half percent at the chemist, half a percent everywhere else.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹9,000 a month
At ₹9,000 a month — ₹1,08,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹499 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
Best real exit: Air India Maharaja Points at ₹0.05/pt (15:1 transfer).
The take
YES sells this as a health card and the benefits list is genuinely health-shaped — check-ups and a digital health assessment run by Aditya Birla Wellness through the Activ Health app. The earn grid is narrower than the marketing: 20 YES Rewardz per ₹200 at chemists and pharmacies, which is 2.5% at the ₹0.25 portal rate, and 4 per ₹200 — 0.5% — on everything else. MCC 5912 is a small slice of most households' spend, so read the 2.5% as a rebate on medicines rather than as the card's rate. The rest is the standard YES floor with one unusual edge: the MITC prints "Not Applicable" in both waiver columns, so ₹499 is a fee you pay every year no matter what you spend. Points collapse to ₹0.10 outside the bank's flight-and-hotel portal, ₹100 + GST comes off every redemption request, forex is 3.50% since 15 June 2026, and there is no lounge access at any spend. If the chemist bill is large and regular, the arithmetic works; otherwise this is a ₹499 card earning half a percent.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹499/yr at stake · 5 spend bands
The charge ₹499/yr
Break-even ₹9,000 a month — ₹1,08,000 a year — is where this card's value crosses its fee.
At your spend
₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹2,500 a year, net of the fee, at ₹6,00,000 of annual spend
₹5,500 a year, net of the fee, at ₹12,00,000 of annual spend
₹17,500 a year, net of the fee, at ₹36,00,000 of annual spend
₹29,500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
YES Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus a program these points reach
- 20 Aug 2026 IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 20 YES Rewardz per ₹200 at chemists and pharmacies — 2.5% at the portal rate, on MCC 5912
- Health check-ups and a digital health assessment powered by Aditya Birla Wellness via the Activ Health app
- ₹499 flat for cards issued on or after 28-Aug-2024, down from the ₹749 the previous era paid
Watch out
- The MITC prints Not Applicable in both waiver columns — there is no spend that makes this fee go away
- The 2.5% rung is MCC 5912 only; everything else on the card earns 0.5%
- YES Rewardz pay ₹0.25 only on portal flights and hotels, and only up to 70% of an invoice; statement credit and vouchers pay ₹0.10
- Utility points are capped at 300 a statement cycle
- Rent, wallet, fuel, government and marketing earn nothing; insurance, education, railways, toll, ferry and jewellery joined them on 15-Jun-2026
- Forex is 3.50%, plus 1% dynamic currency conversion
- No lounge access — Wellness is absent from the MITC's domestic lounge threshold table, where its Wellness Plus sibling sits at ₹50,000 a quarter
- Cards issued between 1-Jul-2022 and 28-Aug-2024 still pay ₹749, and anything older keeps the rate it was issued at
What these points actually fly
YES Rewardz (YES CC Rewardz) move to Air India Maharaja Points — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
2 sourced rules
YES's MITC (v18, 07-Aug-2026) puts Wellness in the 300-point band of its "Reward Points Capping on Utility Spends" table, alongside Elite+, YES First Business and YES First Preferred — double Ace's ceiling and a quarter of Marquee's. YES's "Utility & Service" MCC block covers 4900, 4814, 4899, 4816, 5261, 7349, 9402, 7211, 8999 and the building trades, so telecom draws on the same ceiling. Bank-wide from the same MITC: rent transactions are capped at 5 per 30-day period, wallet loads above ₹2,000 carry 1%, and third-party education payments carry 1%. Only MITC facts are asserted here — the product page that carries YES's earn-exclusion list renders in JavaScript and is a JS shell in the Archive as well.
- Utilities (electricity/water/gas) · capped Reward points on utility spend stop at 300 a statement cycle. Separately, YES charges a 1% fee + GST on every utility transaction once cumulative utility spend passes ₹25,000 in the previous calendar month, capped at ₹5,000 a transaction — Wellness is in the "All other cards" band, not the ₹50,000 tier YES reserves for Marquee, Reserv, UNI and AI Inside
- Telecom · capped Shares the 300-point utility ceiling; shares the ₹25,000 fee threshold too — YES files telecom (MCC 4814, 4816) inside its "Utility & Service" block with electricity (4900)
Where the miles go
1 program
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every YES Bank route, side by side → · the YES Rewardz (YES CC Rewardz) hub →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
YES Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official YES Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining and annual membership fee both ₹499 + GST, with “Not Applicable” in both waiver columns — no spend releases either charge. Read the row above it before assuming a perk: Wellness Plus, at ₹1,499, is in the domestic-lounge threshold table at ₹50,000 of prior-quarter spend and plain Wellness is not, so the two are not a fee ladder over one feature set. The forex markup is 3.50%, one of the two brackets the 15-Jun-2026 revision left alone because it was already at the top. Utility spends attract 1% + GST past ₹25,000 in the previous calendar month.
per the official YES Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 2 Aug 2026Flipkart SuperCoins into Maharaja Club improve to 2:1
- 26 Jul 2026Air India's quiet network retreat: Tokyo moves, Paris and San Francisco go, Malé pauses
- 15 Jun 2026YES's ₹100 redemption fee reaches Marquee and Reserv
Every YES Bank change we've dated → 7 events since 2023, 6 of them nerfs — worst year 2026.
Verified against YES Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Product page — 20 YES Rewardz per ₹200 at chemists and pharmacies, 4 per ₹200 elsewhere; ₹499 for cards issued on or after 28-Aug-2024 and ₹749 for the 2022-2024 era
- official MITC (CMITC_V18_07082026) — Wellness at ₹499/₹499 with Not Applicable in both waiver columns; forex 3.50%; utility points capped at 300 a statement cycle