Doctor's SBI vs YES Wellness Plus
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Doctor's SBI Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.3/10 vs 7.1/10.
| Feature | Doctor's SBI | YES Wellness Plus |
|---|---|---|
| CardTrail Score | 8.3/10 | 7.1/10 |
| Annual Fee | ₹1,499 | ₹1,499 |
| Base Reward Rate | 0.5% | 0.75% |
| Max Reward Rate | 2% | 3% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 4 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Doctor's SBI
- You can meet the fee waiver condition: Annual fee reversal on spending Rs. 2 lakh or more in a year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: general, healthcare
When to Choose YES Wellness Plus
- You can meet the fee waiver condition: Spend ₹1.5L/year
- You want higher rewards — up to 3% vs 2%
- Your primary spend is: general, healthcare
Annual Fee Value Analysis
To break even on Doctor's SBI's ₹1,499 fee at 0.5% rewards, spend ₹24,983/month.
To break even on YES Wellness Plus's ₹1,499 fee at 0.75% rewards, spend ₹16,656/month.