YES Private vs YES Wellness Plus
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
YES Private Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.1/10.
| Feature | YES Private | YES Wellness Plus |
|---|---|---|
| CardTrail Score | 8.2/10 | 7.1/10 |
| Annual Fee | ₹10,000 | ₹1,499 |
| Base Reward Rate | 2.5% | 0.75% |
| Max Reward Rate | 5% | 3% |
| Forex Markup | 0.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 4 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose YES Private
- You travel internationally — saves ₹3,000/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 3%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, value
When to Choose YES Wellness Plus
- You can meet the fee waiver condition: Spend ₹1.5L/year
- Your primary spend is: general, healthcare
Forex Cost Comparison
On ₹1,00,000 annual international spending: YES Private costs ₹590 in forex fees vs YES Wellness Plus at ₹4,130. You save ₹3,540/year with YES Private.
Annual Fee Value Analysis
To break even on YES Private's ₹10,000 fee at 2.5% rewards, spend ₹33,333/month.
To break even on YES Wellness Plus's ₹1,499 fee at 0.75% rewards, spend ₹16,656/month.