Yes Bank Finbooster RuPay Credit Card
YES Bank
last updated: Nov 28, 2025
₹0
₹0
2.75%
No lounge access
Contents
The Yes Bank Finbooster RuPay Credit Card is a lifetime-free, virtual-first RuPay card optimised for UPI and digital spends. It offers accelerated reward points on UPI/online transactions, fuel surcharge waiver and basic travel/purchase protections, with a simple, zero-fee structure aimed at beginners and digital-first consumers. Ideal as an everyday spending card for users who want rewards on digital payments without paying an annual fee.
Features of Yes Bank Finbooster RuPay Credit Card which makes it unique
UPI-First Rewards
Accelerated points on UPI spends above threshold
Better returns on everyday digital payments
Higher UPI earn than many entry-level cards
Credit Dashboard
In-app credit health reporting and CreditStrong integration
Track score and manage credit behaviour
Useful for new credit users
Rewards Structure of Yes Bank Finbooster RuPay Credit Card
UPI transaction
acceleratedUPI spends above ₹2,000 per transaction
Base
baseAll non-UPI spends
Milestones of Yes Bank Finbooster RuPay Credit Card
No Milestone Fees
N/A : Card is lifetime free; no spend-based annual fee waivers required.
Fees & Charges of Yes Bank Finbooster RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free (no annual or renewal fee for standard Finbooster RuPay virtual card).
Fee Explanation FinBooster is a lifetime-free RuPay variant; standard transactional charges (cash advance, returned payment, late payment) follow YES BANK rates & RBI guidelines.
Insurance Coverage with Yes Bank Finbooster RuPay Credit Card
Purchase Protection / Accidental Cover
₹2,50,000Basic cover as per FinBooster product guide; claim subject to insurer T&Cs.
Additional Features of Yes Bank Finbooster RuPay Credit Card
Contactless Payments
Tap and pay enabled for contactless terminals
Virtual Card
Instant virtual card issuance for online and UPI linking
Virtual card can be used immediately once issued in YES Bank app or partner platforms.
Welcome Bonus with Yes Bank Finbooster RuPay Credit Card
Welcome Bonus: Partner welcome offers
Bonus Conditions: Welcome offers vary by partner and are subject to merchant T&Cs; available to new cardholders as per campaign.
Application Process for Yes Bank Finbooster RuPay Credit Card
Processing Time
Instant digital issuance (virtual card); physical dispatch if requested within 3–7 business days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via YES BANK or partner portals
Complete digital KYC and upload PAN/Aadhaar
Instant virtual card issued (if approved)
Physical card dispatched on request within 3–7 days
Required Documents for Yes Bank Finbooster RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
where applicableAccepted documents:
Yes Bank Finbooster RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India for RuPay-enabled merchants
International Acceptance
Limited — acceptance depends on RuPay international partnerships
Online Acceptance
Yes — instant virtual card for online checkouts
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Finbooster RuPay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; digital KYC for virtual issuance where applicable.
How Approval Is Decided
- Indian resident with valid KYC
- Basic credit history and identity checks
- Income proof may be required for higher limits
Pros of Yes Bank Finbooster RuPay Credit Card
- Zero joining and annual fee (lifetime free)
- High UPI reward rate (4 points per ₹200 for eligible UPI spends)
- Instant virtual card — good for online-first users
Cons of Yes Bank Finbooster RuPay Credit Card
- No complimentary lounge access or premium travel benefits
- Reward redemption limited to YES Rewardz catalogue / statement credit routes
- Some exclusions (rent, wallet loads, government) limit rewards on big spends
Frequently Asked Questions about Yes Bank Finbooster RuPay Credit Card
How do I earn Reward Points on the Finbooster RuPay card?
You earn accelerated points on eligible UPI transactions (4 points/₹200 above ₹2,000) and base points on other spends (2 points/₹200). Exclusions apply.
Are there reward caps or validity limits?
Reward points validity and caps are set in the product T&Cs; reward points generally have a validity period (e.g. 36 months) and some monthly caps may apply on accelerated UPI earnings.
Can I use the card for international transactions?
This RuPay variant is primarily digital and domestic-focused; foreign currency transactions may be subject to forex markup and acceptance depends on RuPay acceptance abroad.
What documents are required to apply?
PAN and Aadhaar for identity and KYC; income proof may be required for certain limits or upgrades.
How quickly is the card issued?
The virtual Finbooster card is issued instantly for eligible applicants; physical card (if requested) typically dispatches within 3–7 business days.
Is there a joining or annual fee for Finbooster RuPay?
No — the Yes Bank Finbooster RuPay Credit Card is marketed as a lifetime-free card with no joining or annual fees.
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