YES Bank FinBooster Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹0
₹0
3.49%
No lounge access
Contents
YES Bank FinBooster Visa Credit Card is a lifetime free, co-branded rewards card designed to build your credit score while you earn points on everyday online spends. It offers accelerated YES Rewardz on online dining, grocery and apparel purchases, plus base rewards on other retail transactions, making it ideal for beginners and first-time credit card users. The unique CreditStrong dashboard gives monthly credit fitness reports, helping you track and improve your credit score with every responsible transaction. With a 1% fuel surcharge waiver, no annual fee ever and strong online rewards, the YES Bank FinBooster Visa Credit Card suits young professionals, online shoppers and anyone looking for a zero-fee, credit-score-friendly credit card.
Features of YES Bank FinBooster Visa Credit Card which makes it unique
Credit Score Builder Card
FinBooster integrates credit score tracking with monthly CreditStrong reports, helping you understand how every swipe impacts your credit health.
Ideal for first-time borrowers and young professionals who want to build or repair their credit score using disciplined card usage.
Unlike many entry-level rewards cards, FinBooster focuses heavily on credit education and credit fitness analytics.
Lifetime Free Co-branded Rewards
Lifetime free FinBooster Visa card with attractive online rewards across dining, grocery and fashion categories.
Lets you enjoy premium-style online reward rates without paying any annual fee, improving long-term value.
Many competing entry-level cards charge renewal fees or offer lower reward rates on online spends.
Rewards Structure of YES Bank FinBooster Visa Credit Card
Online Dining
acceleratedValid on eligible online dining and food delivery spends made on partner and non-partner platforms using FinBooster Visa.
Best suited for customers who frequently order food online; no reward points on fuel, rent, wallet loads and other excluded categories.
Online Grocery And Apparel
acceleratedApplies to online grocery supermarkets and online fashion or apparel stores billed under eligible merchant category codes.
Ideal for families and shoppers who prefer online grocery and clothing purchases; excluded merchant categories do not earn rewards.
Other Retail Spends
baseAll other eligible retail POS and online transactions except fuel, rent, wallet loads, government, utilities above threshold, fees and EMIs.
Gives consistent base rewards on day-to-day card spends, making FinBooster a strong all-round lifetime free rewards credit card.
Utility Spends
baseUtility bill payments such as electricity, gas, water and telecom recharges up to ₹15,000 per month.
Utility spends above the threshold or processed via certain payment modes may not earn points; check YES Bank FinBooster utility terms.
Fuel Transactions
baseFuel transactions between ₹400 and ₹5,000 at all fuel stations in India on FinBooster Visa.
GST on fuel surcharge is not reversed; fuel transactions do not earn reward points but benefit from surcharge savings.
Milestones of YES Bank FinBooster Visa Credit Card
Lifetime Free Membership
No minimum spend requirement : Zero joining and annual fee with no spend-based waiver conditions.
Fees & Charges of YES Bank FinBooster Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free; no renewal or annual fee is charged in any year.
Fee Explanation Standard YES Bank FinBooster schedule of charges applies including lifetime free annual fees, 3.80% p.m. finance charges, 3.49% forex markup, late payment slabs and 2.5% overlimit and cash advance fees.
Detailed Explanation of YES Bank FinBooster Visa Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee; FinBooster Visa is issued as a lifetime free credit card.
Annual / Renewal Fee: ₹0 (yearly)
No annual or renewal fee is charged in any year; card remains lifetime free.
Finance Charges: 3.80% per month (45.60% annually) (monthly)
Applicable on unpaid retail and cash transactions from the transaction date, as per YES Bank FinBooster schedule of charges.
Forex Markup Fee: 3.49% of the transaction value (per transaction)
Charged on all international and foreign currency transactions, excluding dynamic currency conversion where a 1% fee may apply.
Cash Advance Fee: 2.5% of withdrawal amount (minimum ₹500) (per transaction)
Cash withdrawal allowed up to 30% of the assigned credit limit through ATMs and other cash access channels.
Overlimit Fee: 2.5% of overlimit amount (minimum ₹500) (per occurrence)
Charged whenever total outstanding exceeds the assigned credit limit during a billing cycle.
Late Payment Fee: Up to ₹1,200 (per billing cycle)
Slab-based late payment charges apply depending on Total Amount Due, starting from ₹0 for dues up to ₹100 and going up to ₹1,200 for higher outstanding balances.
Rent & Wallet Processing Fee: Minimum 1% of transaction value or ₹1, whichever is higher (per transaction)
Applies on rental and wallet transactions; such spends do not earn reward points.
Insurance Coverage with YES Bank FinBooster Visa Credit Card
Credit Shield Accident Cover
₹2,50,000Provides credit shield or accidental cover as per FinBooster credit card insurance terms; coverage details subject to issuer policy and successful claim process.
Additional Features of YES Bank FinBooster Visa Credit Card
CreditStrong Credit Fitness Dashboard
Complimentary subscription to CreditStrong with monthly credit fitness reports and a real-time dashboard.
Access is activated after the first successful transaction on the FinBooster Visa Credit Card.
Reward Points Sharing
Option to share YES Rewardz points with friends and family members.
Sharing rules, minimum transfer units and eligible recipient accounts are governed by YES Bank YES Rewardz programme terms.
Statement Credit Redemption
YES Rewardz points can be redeemed against the credit card outstanding as statement credit.
Redemption ratio, minimum redemption amount and monthly caps follow YES Bank YES Rewardz redemption policy.
Contactless Payments
Visa contactless tap-and-pay support at compatible POS terminals.
Contactless limit per transaction is governed by RBI and YES Bank guidelines; PIN may be required above certain thresholds.
Add-on Cards
Up to three add-on credit cards can be issued for family members.
Primary cardholder remains responsible for all spends; KYC and eligibility conditions apply for add-on holders.
Welcome Bonus with YES Bank FinBooster Visa Credit Card
Welcome Bonus: Lifetime free
Bonus Conditions: No separate welcome bonus; the card is lifetime free for all approved primary cardholders.
Application Process for YES Bank FinBooster Visa Credit Card
Processing Time
Typically 5-7 business days after successful documentation and verification.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the YES Bank or BankBazaar FinBooster page and click on Apply Now for the YES Bank FinBooster Visa Credit Card.
Fill in basic details such as name, mobile number, PAN, date of birth, employment type and monthly income to check eligibility.
Upload KYC documents including PAN, Aadhaar and address proof along with salary slips or ITR, as applicable.
Complete video KYC or in-person verification if required by YES Bank and await approval communication via SMS or email.
Once approved, the virtual card may be activated instantly for online transactions and the physical FinBooster Visa card is dispatched to your address.
Required Documents for YES Bank FinBooster Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
YES Bank FinBooster Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide domestic acceptance across India at most online and offline merchants that accept Visa credit cards.
International Acceptance
Internationally accepted at all outlets and websites that support Visa credit cards, subject to forex markup and RBI guidelines.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank FinBooster Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹62,500
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be a resident Indian with valid PAN, Aadhaar and address proof. Existing YES Bank credit cardholders are not eligible for this co-branded FinBooster card.
How Approval Is Decided
- Applicant must be aged between 21 and 60 years at the time of application.
- Minimum net monthly income of around ₹25,000 for salaried or ITR of approximately ₹7.5 lakh per annum for self-employed individuals.
- Good credit history and a credit score typically around 750 or higher improve chances of approval.
- Applicant should be an Indian resident with valid PAN, Aadhaar and address documents.
- Existing YES Bank credit cardholders are usually not eligible for the FinBooster co-branded variant.
Pros of YES Bank FinBooster Visa Credit Card
- Lifetime free credit card with no joining or annual fee, ideal for beginners and first-time credit card users.
- Strong online rewards on dining, grocery and apparel spends with YES Rewardz points and no upper earning cap.
- Unique credit fitness and credit score monitoring via complimentary CreditStrong dashboard.
- Reward points can be redeemed as statement credit and shared with friends and family for flexible value.
- Fuel surcharge waiver on eligible fuel transactions, adding savings for regular vehicle users.
Cons of YES Bank FinBooster Visa Credit Card
- No complimentary airport lounge access or premium travel benefits despite strong online rewards.
- Reward points do not accrue on rent, wallet loads, government payments, many fees and fuel transactions.
- Forex markup fee around 3.49% makes it less attractive for heavy international travellers compared to specialised travel cards.
- Existing YES Bank credit cardholders are not eligible to apply for the FinBooster co-branded variant.
- Insurance coverage is basic credit shield only, with no comprehensive travel or medical insurance bundle.
Frequently Asked Questions about YES Bank FinBooster Visa Credit Card
Is the YES Bank FinBooster Visa Credit Card really lifetime free?
Yes. The YES Bank FinBooster Visa Credit Card has zero joining fee and zero annual or renewal fee, making it a true lifetime free credit card as long as your account remains in good standing.
What reward points do I earn on the FinBooster Visa Credit Card?
You typically earn 10 YES Rewardz points per ₹200 on online dining, 6 points per ₹200 on online grocery and apparel spends, and 2 points per ₹200 on other eligible retail purchases, while fuel, rent, wallet loads and certain categories do not earn points.
Does FinBooster help improve my credit score?
Yes. FinBooster comes with free monthly CreditStrong credit fitness reports and a real-time dashboard that shows how your card usage affects your credit score, helping you build and maintain a strong credit profile over time.
What are the main fees and charges on the YES Bank FinBooster Visa Credit Card?
Apart from being lifetime free on joining and annual fees, key charges include finance charges of around 3.80% per month on unpaid dues, a forex markup of about 3.49% on international transactions, 2.5% cash advance and overlimit fees, and slab-based late payment charges up to ₹1,200.
Is there a fuel surcharge waiver on the FinBooster Visa Credit Card?
Yes. You get a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000 at fuel stations in India, although GST on the surcharge is not reversed and fuel spends do not earn reward points.
Who should apply for the YES Bank FinBooster Visa Credit Card?
FinBooster is best for beginners and salaried or self-employed individuals who want a lifetime free, no-hassle credit card to build credit history, earn rewards on online dining, grocery and fashion spends, and track their credit score through monthly credit fitness reports.
How can I redeem YES Rewardz points earned on FinBooster?
YES Rewardz points can usually be redeemed against statement credit, travel bookings such as flights and hotels, gift vouchers and other catalogue options through the YES Rewardz platform, subject to applicable redemption ratios, minimum redemption amounts and monthly caps.
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