Yes BankYes Bank Finbooster Credit Card
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Yes Bank
Yes Bank Finbooster Credit Card
3.7 / 5visa
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Base reward
- 0.25%
- Min income
- ₹25,000/mo
- Forex markup
- 3.4%
- Interest p.a.
- 47.88%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Dining | 1.25% | Uncapped |
| Groceries | 0.75% | Uncapped |
| Online shopping | 0.75% | Uncapped |
Benefits
- ▸Lifetime-free CreditStrong subscription with monthly credit-fitness/CIBIL reports
- ▸No cap on reward point accrual; points valid 36 months
- ▸Co-branded with BankBazaar; for customers new to YES Bank credit cards
- ▸Lifetime free (zero joining and annual fee)
- ▸A newer RuPay variant (UPI-linkable) also exists
The good
- + Truly lifetime free (zero joining and annual fee)
- + Free CreditStrong credit-score monitoring (genuine differentiator)
- + No cap on reward points with 36-month validity
- + Decent accelerated earn on online dining (~1.25%)
The catch
- − Low base value-back (0.25% retail)
- − No lounge access
- − No milestone benefits
- − Rs.100 reward-redemption fee per request; ~3.4% forex markup