Wellness Plus Credit Card

1. Annual Preventive Health Check-up: The card offers one free annual health check-up with up to 31 parameters included. This value allows users to take a proactive approach to health and helps to identify any early health issues.  

1. Free Fitness Sessions: Cardholders can earn up to 12 free fitness sessions each month. These sessions may include gym workouts, yoga classes, Zumba, or other fitness-related activities, and can be earned through the Aditya Birla Multiply App. These free activities promote a balanced and active lifestyle.  

1. Unlimited 24×7 Medical Consultations: Users get unlimited 24×7 phone consultations with general physicians, specialist doctors, nutritionists, and mental health counsellors. This benefit supports a more holistic approach and care for physical health, mental health, and overall well-being.  

1. Domestic Airport Lounge Access: Enjoy 2 complimentary visits to domestic airport lounges each quarter, and experience convenience and comfort while travelling. 

1. Fuel Surcharge Waiver: Cardholders enjoy a 1% fuel surcharge waiver on fuel costs of Rs.400 to Rs.5,000. This waiver is limited to a maximum of Rs.500 per billing cycle.  

1. Contactless Payment: Users can benefit from the contactless payment feature, which allows them to tap to pay securely and easily for small value spending.

Benefits of the Wellness Plus Credit Card

Following are the benefits of the YES Bank Wellness Plus Credit Card:  

1. Enhanced Health and Wellness Benefits: The card encourages healthy living with preventative health services, fitness services, unlimited medical consultations, and ensures you stay on top of your physical and mental health.  

1. Free Preventive Health Check-up Once a Year: Cardholders receive one free preventive health check-up once a year, which covers a total of up to 31 health parameters. This annual physical check-up is a great way to keep track of your health. 

1. Unlimited Tele-Consultations with Medical Specialists: Access to general physicians, nutritionists, fitness specialists, and mental wellness counsellors, on a 24x7 basis. Tele-consultation can be through dedicated phone support, providing you with access to medical situations without ever leaving your home. 

1. Complimentary Fitness Sessions Month After Month: You will get 12 free fitness sessions every month. Your fitness sessions could be gym workouts, yoga, aerobics classes, or Zumba. You will be able to avail yourself of these fitness classes either online or in person via the Aditya Birla Multiply App. This will help you stay active and motivated.  

1. Accelerated Reward Points on Health Related Spend: You will earn 30 reward points for every Rs.200 spent at chemist or pharmacy outlets; this makes it very rewarding for health care related expenditure. Any other retail eligible spend will earn you 6 points per Rs.200 spent.  

1. Domestic Airport Lounge Access: You will receive 2 complimentary domestic airport lounge accesses per quarter. This benefit not only promotes comfort whilst travelling, but it also enhances the premium lounge experience in select airports across India.  

1. Fuel Surcharge Waiver: You will receive a 1% waiver for fuel surcharge on transactions between Rs.400 - Rs.5,000. This means that you will enjoy monthly savings up to Rs.500, especially for those who regularly travel by a vehicle.  

1. Welcome Offers: On payment of the joining fee, you will receive exclusive wellness welcome benefits such as vouchers or access to premium health platforms. This makes the card rewarding from the start. 

1. Complete insurance coverage: The card provides complimentary air accident insurance and overseas emergency medical coverage.  

1. Flexibility with YES PayNow and Auto Bill Pay: Use YES PayNow to automate all your utility bill payments and subscriptions. This means fewer late fees, and you will never forget to make those monthly payments.

Eligibility Criteria for the Wellness Plus Credit Card

In order to apply for a YES Bank Wellness Plus Credit Card, applicants will need to fulfil a few requirements to ensure their financial stability and use of credit in a responsible manner.  

1. The applicant must be an Indian national who resides in India.  

1. The minimum age required is 21 years, with a maximum age of generally up to 60 years for salaried individuals and 65 years for self-employed applicants. The minimum net monthly income required for salaried individuals is Rs.20,000 or Income Tax Returns must be Rs.7.5 lakhs or more. 

1. Having a good credit score, preferably 750 or more, will ensure a faster approval process.  

1. Applicants should not have any public record of defaulting on loans or credit cards. 

Documents Required for the Wellness Plus Credit Card 

To finish your application for the YES Bank Wellness Plus Credit Card, you are required to submit several documents for identity, address, and income verification. You should ideally take both originals and photocopies with you if you are applying offline.  

1. Proof of Identity: The acceptable forms of proof of identity include a PAN Card, Aadhaar Card, Passport, Driving Licence or Voter ID.  

1. Proof of Address: Proof of address might take the form of a utility bill (electricity or telephone), Aadhaar Card, Passport, Rent Agreement or bank account statement that shows current address.

1. Proof of Income: Salaried - three recent salary slips (typically of the last three months) or Form 16. 
2. Self-employed - Copy of the latest Income Tax Return (ITR) along with income computation or audited financials. 

1. Recent Photograph: A recent passport-size colour photograph is typically required to be affixed to the application form.  

1. Bank Statement: Some applicants may be required to submit bank statements of the previous three to six months as further proof of income or financial standing. 

How to Apply for the YES Bank Wellness Plus Credit Card

Applying for the YES Bank Wellness Plus Credit Card is a simple process, and you can choose whether you would like to do this online from your own home or offline in a branch, depending on what suits you best.  

 Online Application Process - Step-by-Step Instructions  

The online application process for the YES Bank Wellness Plus Credit Card is very convenient, as you can do this from the comfort of your own home, and it also saves time. Follow the instructions to apply online:  

1.  Step 1: Visit the YES Bank Website: You can apply for a YES Bank Wellness credit card here. 

1. Step 2: Go to the Credit Cards Section: Once on the YES Bank home page, find the menu or subsection ‘Credit Cards’ and click this to see the available range of credit cards from YES Bank.  

1. Step 3: Find the Wellness Plus Credit Card: From the list or selection of cards, find the Wellness Plus Credit Card, which is specifically designed for those interested in health and wellness promoted by this card.   

1. Step 2: Click on the 'Apply Now' Button: After selecting the Wellness Plus Credit Card, click the ‘Apply Now’ button to take it to the secure online application portal. 

1. Step 5: Enter Personal Information: You will now be required to add personal information, including your full name, date of birth, residential address, mobile number, and email ID. Please ensure that the details are correct and up to date. 

1. Step 6: Enter Employment and Income Details: You will now enter employer details, including your employer’s name, job title, type of employment (salaried or self-employed), monthly income, and location of your employment. 

1. Step 7: Upload Supporting Documents: You must now scan and upload documents for verification, usually your PAN card, Aadhaar card or other government-issued ID, proof of address (utility bill or passport), recent pay slips or income tax returns, and a passport-sized photograph. 

1. Step 8: Review and Submit Your Application: You should now check all the details you have entered and ensure all the accompanying documents are uploaded correctly. After you have checked the application, you can click the ‘Submit’ button. 

1. Step 9: Verification Process by YES Bank: After you have submitted your application, the YES Bank team will review your application. You might get a verification call or email to verify that the information provided is true or accurate. 

1. Step 10: Approval and Delivery of the Card: If your application is approved and documents are in order, they will process and ship your credit card to your recorded address within a few working days.  

Complete Offline Application Process  

If you feel uncomfortable about making a credit card application online or want to develop a relationship with the bank before applying, offline applications are also simple.  The instructions for applying for the YES Bank Wellness Plus Credit Card are outlined below:  

1. Step 1: Find a YES Bank Branch: Find a YES Bank Branch in close proximity to your residence or workplace and visit during business hours.  

1. Step 2: Request the Application Form: At YES Bank, go to the Help desk or customer service counter and ask for the application form for the Wellness Plus Credit Card.  

1. Step 3: Complete the Application Form: Make sure that you fully complete the application form, in blue or black pen, with your full name, contact details, date of birth, occupation, income details, and residential address.  

1. Step 4: Collect and Self-attest Documents to Submit: Collect photocopies of required documents, including proof of identity, proof of Address, proof of Income documents (Salary Slips or ITR) and a recent passport size photo. You will need to self-attest all photocopies.  

1. Step 5: Submit Application Form and documents: To complete the application process, submit the completed form, including any documents that were required, to the branch representative for processing.  

1. Step 6: Bank Review of Application: The bank will analyse the application and may contact you for additional clarification and/or documentation.  

1. Step 7: Get Your Credit Card: Once your application is approved, which usually only takes a few days, your YES Bank Wellness Plus Credit Card will be produced and sent to your registered mailing address.

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