Yes Bank FinBooster Credit Card Review

Yes Bank and bankbazaar have tied up together to launch a co-branded credit card named yes bank finbooster credit card. It is a one-of-a-kind credit card tailored to improve your credit worthiness. It is probably the only credit card that comes with a free one-year subscription to the Credit Strong app making this card even more attractive, yes bank has stuffed this card with some extraordinary benefits like never expiring rewards, no cap on earning yes bank rewards, exclusive deals on travel, dining, shopping, etc. To know more about this card make sure to check the yes bank credit card details given below.

 How does the yes bank finbooster credit card eligibility work?

  • Resident Type: Indian
  • yes bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 years.
    • Income: The annual income of the applicant should be greater than Rs. 25,000 monthly.
  • yes bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 years.
    • Income: The annual income tax return should be greater than Rs. 5 lakh. 
  • A good credit score (750) will help you to get this yes finbooster credit card.

You can apply for this card from the yes bank online application portal. With the successful submission of your yes bank credit card application, you will get a unique application id, that can be used to track your application status from the yes bank credit card application status tracking page

What documents are required for a yes bank findbooster credit card application?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

How much does the yes bank finbooster card cost?

  • Yes bank finbooster card joining fee:None.
  • Yes bank finbooster card annual fee: Free for a lifetime

To increase the security of your card during shipment, all new yes bank credit cards are delivered in an inactive state. The user can activate them just by generating a new credit card PIN. To know the yes bank credit card pin generation process make sure to visit our faq page.

What are the yes bank credit card benefits?

  • Get rewarded for every transaction you make:

With the powerful yes bank rewards program, you can earn reward points from every transaction you make. The details are illustrated in the table below:

Category of transaction

Rate of earning yes bank reward points
Dining spends (online) 5X yes bank reward points
Grocery and clothing (online) 3X yesbank reward points
All other retail transactions made using this card(not applicable on fuel purchase, EMI conversion, cash withdrawal, priority pass charges, etc.) 2 yesbank credit card reward points

The yes bank reward points will never expire, so you can use them whenever you want.

You can check the status of your earned yes bank rewards points from your net banking account. You can share the points with your friends and family, or use them to pay your monthly credit card bill. You can also exchange them for a product from the yes bank credit card rewards redemption catalog.

  • Enjoy freedom from fuel surcharges:

If you use this yes bank free credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. This yes bank credit card benefit is available at all fuel stations in India and on transactions between Rs. 400 to Rs. 5000. You can earn a maximum of Rs. 125 waiver in a yes bank credit card statement cycle.

  • The best way to increase your credit worthiness:

With this yes bank life time free credit card, you will get a complimentary one-year credit strong subscription. It allows you to track your real-time credit score. The subscription will be renewed automatically if you can spend Rs. 1 lakh within a year.

  • Add more luxury to your lifestyle:

From time to time, your yesbank credit card comes with exclusive deals on premium lifestyle brands. Click here to find out the latest yes bank card offers and deals. 

  • Cutting Edge security:

This yes bank credit card comes with the advanced Verified by Visa or VBV payment service, which makes your online transactions more secure with its 3d secure yes bank credit card passwordClick here to create a 3d secure password for your yes bank credit card online transactions.

  • Enjoy easy bill splitting:

With the smart EMI option of this yes credit card, you can split your high-value transactions (over Rs. 1,500 or more) into small monthly installments. Click here to calculate the interest rate and monthly installments amount from the Yes bank credit card emi calculator.

  • Get an instant loan against your card:

You can get an instant loan on your credit limit. You can call the yes credit card customer care number – 1800 103 1212 or +91 22 4935 0000 (if you are calling from outside of India) to apply for the loan. 

You can also pay the loan amount back in small monthly installments. You can calculate the applicable interest rate and monthly installments from the Yes bank credit card loan calculator. The installment amount will be assed in your monthly yesbank credit card statement.

  • Convenient automatic payment option:

Yes bank has introduced a new automatic yesbank credit card payment service, called yes pay now. If you register for the service, all your utility bills will be paid automatically within the due dates. You can control the PAYNOW service from your yes bank credit card net banking account.

  • Instant yes bank credit card payment options:

You can pay your monthly Yes bank credit card bill online from your yes bank online banking account or from any credit card payment app like Cred, Google pay, Paytm, etc. But if you don’t have access to these yes bank credit card online payment options, then you can pay your bill via cheque, NEFT, or from your nearby branch.

  • During emergency it can save you:

The yes bank credit card features a unique card protection plan for its customers. It provides liability coverage against lost or stolen cards. So no matter where you are if your card gets lost or stolen, you just have to call the yes bank credit card helpline number and report the loss. And you will no longer be liable for anything bad that may happen to your card. Click here to check the current pricing of the coverage plan.

What are the yes bank finbooster card charges?

Particulars

Payable amount

Yes bank credit card cash withdrawal charges 2.5% against the withdrawn amount, min Rs. 300 (applicable once per withdrawal, you should also check your available yes bank credit card limit before making a withdrawal)
Yes bank credit card cash finance charges The yes bank credit card interest rate can go up to 3.5% monthly or 42% annually
Foreign currency conversion charge 3.40% against the transaction amount
Yesbank credit card add-on card fee None (You can get up to 3 add-on cards)

How to contact the yes bank credit card customer care department?

  • Call the yes bank credit customer care number: 1800-103-1212 (Toll-free) or 022-4935-0000
  • Write to the yes bank credit card customer care mail id: yestouchcc@yesbank.in 

100xGain Ratings:

7/10 

Yes finbooster credit card pros and cons:

Pros 

Cons 

  • This card has some very cool features that can be very helpful for the beginners
  • The yes bank credit card rewards scheme is very helpful for earning reward points
  • It is a yesbank lifetime free credit card which makes it ideal for first-time applicants
  • No offers in the entertainment and travel category
  • Not a very good credit card for those who have a good credit score

Final Opinion:

If you are a new credit card user or using a credit card only to improve your credit worthiness then this lifetime free yes bank credit card could be a solid choice for you. The complementary Credit Strong membership will help you to monitor as well as improve your credit score more conveniently.

But if you already have a good credit score, then I would recommend you not to go for this yes bank card. Instead, take a look at the 100xGain best 10 credit card pages, and find out the card that matches your requirements. You can also compare the alternative card options given below.

Alternative cards of the yes bank finbooster credit card: 

  1. Axis bank freecharge credit card (Best for cashback, and reward benefits)
  2. BOI visa gold international credit card (Best for discounts on medi-claim)
  3. Canara rupay select credit card (Best for reward points and higher credit limit)
  4. 811 dream different credit card (Best for reward points) 

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