YES Bank FinBooster Credit Card

FinBooster in three lines

• It is free for life: ₹0 to join and ₹0 every year after.
• It pays a little extra on online dining, online grocery and clothes, and very little on everything else.
• Users report that holding it can stop YES Bank from giving you a better card, such as Kiwi, later.

This page is the physical Visa FinBooster from YES Bank and BankBazaar. There is also a virtual FinBooster RuPay card that works on UPI. Same name, different earn rules, so check which one your offer is for.

What the points look like

Every rate here uses a ₹200 spend unit, not ₹100.

• Online dining: 10 Reward Points per ₹200 (5X).
• Online grocery and apparel: 6 points per ₹200 (3X).
• Other retail spends: 2 points per ₹200.

So ₹10,000 a month on food delivery earns 500 points, and ₹10,000 on regular spends earns 100. YES Bank does not state a point value in our data, so we cannot turn that into a percentage for you. Users are blunt about the result: 8 of the 15 threads we read say the points add up to very little, even after large spends.

There is no lounge access, no welcome bonus and no fuel surcharge waiver listed for this card. The extra you do get is a complimentary CreditStrong credit report, which users say they access through BankBazaar.

Can you hold FinBooster and another YES Bank card?

This is the question that comes up most, and it is the main reason Reddit is negative on the card. Users report that YES Bank lets one customer hold one credit card. If that holds for you, FinBooster takes the slot you might want for Kiwi or Marquee later, and several users say they closed FinBooster just to apply for Kiwi. YES Bank does not publish this rule in our data, so treat it as a strong pattern, not a guarantee.

Credit limits are the other sore point. Users say increases are rare: one reports a ₹1 lakh limit with no increase in 3 years, another says they are stuck at ₹46,000.

Nobody should charge you for a free card

Six threads complain about BankBazaar callers pushing FinBooster hard, and one thread flags a ₹9,900 "discount/privilege card" charge linked to a FinBooster. FinBooster costs nothing. If anyone asks for a processing fee, an OTP or your PIN, hang up and apply yourself on YES Bank's site.

Should FinBooster be your first card?

Take it if you have no credit history, have been turned down elsewhere, and want a free card to build a CIBIL record by paying in full every month. Keep it for food orders and online groceries.

Skip it if you want real cashback or plan to get another YES Bank card in the next year or two. A free starter card that does not block other options will serve you better, and if Kiwi is the goal, read our Kiwi credit card review first.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva