Yes Bank FinBooster Credit Card Review

Yes Bank and Bank bazaBazar 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 the creditworthiness of customers. It is probably the only credit card that comes with a free one-year subscription to the Credit Strong app which makes this card even more attractive. 

With this benefit yes bank has stuffed this card with some extraordinary benefits like never expiring rewards, no cap on earning reward points, exclusive deals on travel, dining, and shopping, etc. To know more about this card make sure to check the yes bank credit card details given below.

 Yes Bank Bankbazaar Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 to 60 years.
    • Income: The annual income of the applicant should be greater than Rs. 25,000 monthly.
  • 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 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

Required Documents To Apply For Yes Bank FinBooster Credit Card:

  • 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

Yes Bank FinBooster Credit Card Fee:

  • Yes bank card joining fee: None.
  • Yes bank 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.

Yes Bank FinBooster Credit Card Benefits:

  • Powerful yes bank credit card rewards program:

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 reward points
Dining spends (online) 5X yes bank reward points
Grocery and clothing (online) 3X yes bank reward points
All other retail transactions made using this card* 2 yes bank credit card reward points

*Excluding – fuel purchase, EMI conversion, cash withdrawal, priority pass charges, etc. 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, 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, 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.

  • Improve your creditworthiness more easily with the Credit Strong Subscription:

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.

  • Enjoy exclusive deals on premium lifestyle brands:

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

  • Make your yes bank credit card online payment more secure with 3d Visa 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.

  • Get instant EMI whenever you need it:

With the smart EMI option of this 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.

  • Instant loan facility:

You can get an instant loan on your credit limit for which 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 pay the loan amount back in small monthly installments and calculate the applicable interest rate and monthly installments use the Yes bank credit card loan calculator. The installment amount will be assed in your monthly yesbank credit card statement.

  • Pay your utility bills more conveniently with Yes PAYNOW:

Yes bank has introduced a new utility bill payment service, called Yes PAYNOW. 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.

  • Convenient yes 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.

  • Get more security with the card protection plan:

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 within 24 – 48 hrs to block the card and you will no longer be liable for anything fraudulent transactions if that happens on your card. Click here to check the current pricing of the coverage plan.

Yes Bank FinBooster Credit Card Charges:

Particulars Payable amount
Cash Withdrawal Charge 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)
Finance Charges Can go up to 3.5% monthly or 42% annually
Foreign currency conversion charge 3.40% against the transaction amount
Yes bank credit card add-on card fee None (You can get up to 3 add-on cards)

Yes Bank Credit Card Customer Care Contact Details:

  • 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 Bank FinBooster Credit Card Pros and Cons:

Pros  Cons 
  • This card has some very cool features that can be very helpful for beginners.
  • The yes bank credit card rewards scheme is very helpful for earning reward points.
  • It is a yes bank 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 creditworthiness 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 card. Instead, take a look at the 100xGain top 10 credit card pages, and find out the card that matches your requirements.

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