YES BANK FinBooster Credit Card
The YES BANK FinBooster Credit Card is a co-branded credit card issued in partnership with BankBazaar, aimed at customers who seek a lifetime free credit card with useful rewards programs and credit monitoring tools. It is geared especially towards consumers who wish to boost their credit fitness while enjoying everyday spending benefits without worrying about annual or joining fees.
Here is a features and benefits for the YES BANK FinBooster Credit Card:
| Features | Details |
|---|---|
| Joining Fee | Nil (Lifetime Free Card) |
| Annual Membership Fee | Nil (First year and renewal) |
| Reward Points | – 5x reward points on online dining |
| – 3x reward points on grocery and apparel | |
| – 2x reward points on other retail spends | |
| Fuel Surcharge Waiver | 1% waiver on fuel surcharge for transactions between ₹400 and ₹5,000 |
| Credit Report | Complimentary monthly CreditStrong credit report with real-time dashboard |
| Insurance Benefits | Rs. 2.5 lakh accidental death cover for the primary cardholder |
| Interest Free Period | Up to 50 days |
| Cash Advance Limit | Up to 30% of credit limit |
| Supplementary Card Fee | Nil (Up to 3 add-on cards allowed) |
| Interest Rate | 3.99% per month (47.88% annualized, effective from Dec 2024) |
| Forex Markup Fee | 1% on DCC Spends |
| Late Payment Charges | Applicable as per statement balance |
| Overlimit Fee | Rs. 500 |
| Other Benefits | No cap on reward points earned; various online and offline transaction rewards |
This card offers broad reward multipliers across categories, fuel surcharge benefits, credit monitoring tools, and insurance protection, all with no fees for joining or annual renewal, making it attractive for everyday use and credit health management.
Key Features and Benefits
Lifetime Free Credit Card: No joining fee or renewal charges, making it cost-effective for users looking for long-term benefits without extra costs.
Reward Points: Accelerated reward points structure with 5x rewards on online dining, 3x on groceries and apparel, and 2x on other retail spends. Also, the FinBooster RuPay card offers 4 points per ₹200 spent on UPI transactions above ₹2000 and 2 points for non-UPI spends.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India, enhancing savings for frequent commuters .
Credit Fitness Tracking: Complimentary CreditStrong report and monthly credit score tracking with a real-time dashboard to help users monitor and improve their credit health .
Insurance Coverage: Rs. 2.5 lakh accidental death cover for the primary cardholder, providing financial security alongside its financial services .
Virtual Card Option: The FinBooster RuPay variant is a virtual-only card, allowing secure and convenient UPI-linked credit card payments without a physical card .
Contactless Transactions: Enables ease of use and security with contactless payment technology .
Fees and Charges
▪️No membership or renewal fees.Flipkart SBI Card Features and Benefits
▪️Revolving credit interest at 3.99% per month (47.88% per annum).
▪️Fuel transaction fees apply above certain limits (1% fee + GST on transactions exceeding Rs. 10,000 per month).
▪️Foreign currency conversion charges at 3.4%.Other standard fees such as late payment, over-limit, and cash advance charges are applicable as per bank policies .
▪️Rental transactions are capped at 5 transaction per 30 days.
▪️1% of transaction value or INR 1 whichever is higher will be levied as fee, for transaction amount up to INR 1,000.
▪️1% of transaction value or INR 199 whichever is higher will be levied as fee, for transaction amount above INR 1,000
▪️Utility Charges:A charge of 1% + applicable GST will be applicable on all utility transactions on Spends above INR 15,000 in a month.
. ▪️Education Fee payment Charges (applicable from 1st October’24 onwards):1% fee +applicable GST will be levied on education transactions done through third-party websites and applications including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc.Best Tata Credit Card
Eligibility and Application
▪️Minimum monthly income requirement: Rs. 25,000.
▪️Not available to existing YES Bank credit cardholders.
▪️Application can be done online, including through co-brand partners like BankBazaar for quick processing .
Summary
The YES BANK FinBooster Credit Card stands out as a lifetime free co-branded card with a strong reward system, practical fuel surcharge waiver, and innovative credit management tools. It is ideal for users who seek a no-cost card offering substantial rewards on routine spends, coupled with insurance protection and credit score monitoring—all accessible with modern conveniences like virtual payments and contactless technology.
If aiming for a credit card that balances reward provisions with financial health management, the FinBooster card offers a compelling option.