Apollo SBI vs YES Wellness Plus
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
YES Wellness Plus Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.1/10 vs 6.9/10.
| Feature | Apollo SBI | YES Wellness Plus |
|---|---|---|
| CardTrail Score | 6.9/10 | 7.1/10 |
| Annual Fee | ₹499 | ₹1,499 |
| Base Reward Rate | 0.5% | 0.75% |
| Max Reward Rate | 5% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 2 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Apollo SBI
- You can meet the fee waiver condition: Spend ₹1L/year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: general, healthcare
When to Choose YES Wellness Plus
- You can meet the fee waiver condition: Spend ₹1.5L/year
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: general, healthcare
Annual Fee Value Analysis
To break even on Apollo SBI's ₹499 fee at 0.5% rewards, spend ₹8,317/month.
To break even on YES Wellness Plus's ₹1,499 fee at 0.75% rewards, spend ₹16,656/month.