Yes BankYes Bank Finbooster Credit Card
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Yes Bank
Yes Bank Finbooster Credit Card
3.7Best for dining out
Lifetime free
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Welcome bonus
- ₹250
- Forex markup
- 3.4%
- Interest p.a.
- 47.88%
- Min income
- ₹25,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Dining 5X: 10 YES points per Rs.200 on online dining; 1 point = Rs.0.25 | 1.25% | — | ₹1,500 |
Groceries 3X: 6 YES points per Rs.200 on online groceries; 1 point = Rs.0.25 | 0.75% | — | ₹900 |
Online shopping 3X: 6 YES points per Rs.200 on apparel; 1 point = Rs.0.25 | 0.75% | — | ₹900 |
| All other spends | 0.25% | — | ₹300 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Foreign currency markup3.4%
Finance charge (p.a.)47.88%
Key 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
What we like
- +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%)
What to watch
- −Low base value-back (0.25% retail)
- −No lounge access
- −No milestone benefits
- −Rs.100 reward-redemption fee per request; ~3.4% forex markup
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
- Top reward
- 1.875%
- Annual fee
- ₹66,000
- Welcome bonus
- ₹35,000 value
- Top reward
- 3%
- Annual fee
- ₹50,000
- Welcome bonus
- ₹3,000 value