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Yes Bank FinBooster Credit Card Review

Dining card

The Yes Bank FinBooster is lifetime free (no joining or annual fee). It earns 0.25% back on regular spends and up to 1.25% on Dining. Best for: free everyday dining and grocery rewards — our verdict: recommended.

Vyaya Team · Aug 2026
5 min read
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Value Score
8.0 / 10
Annual Fee
₹0
Best For
Dining & Grocery Spender, Credit-Conscious Beginner
Network
Visa
Expert Verdict

The Yes Bank FinBooster is a lifetime-free card with uncapped dining (5x), grocery and apparel (3x) earning plus a free credit-monitoring subscription. At 0.25 INR per point, no lounge access and a 3.4% forex markup, it is a solid no-cost everyday card for dining and grocery spenders.

YES BANKVisa
Yes Bank FinBooster
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REWARD SUMMARY
0.25% Base Rewards
Dining card
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The Bottom Line

The Yes Bank FinBooster is built for dining & grocery spender and credit-conscious beginner. With no annual fee, it offers 0.75% rewards on grocery and a welcome benefit worth ₹250. It makes the most sense if your spending matches dining & grocery spender and credit-conscious beginner.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with Dining & Grocery Spender, Credit-Conscious Beginner.

What we like
+Lifetime free with no joining or annual fee.
+Uncapped accelerated earning: 10 points per INR 200 on dining (5x base), and 6 per INR 200 on grocery and apparel (3x base).
+Lifetime-free CreditStrong subscription with credit fitness reports and a real-time score/spend dashboard.
+Accidental death cover and the ability to share reward points with friends and family.
+Accessible at a minimum income of INR 3 lakh.
What we don't
–Reward points are worth only 0.25 INR, so dining 5x is ~1.25% and base 2-per-INR-200 ~0.25%.
–No airport lounge access (0 domestic, 0 international).
–High 3.4% forex markup makes it poor abroad.
–Fuel, government, rent, utilities, wallet, cash and EMI spends earn no points.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Dining & Grocery Spender

Users who spend on restaurants, groceries and apparel and want uncapped 3-5x earning on a lifetime-free card.

+
Credit-Conscious Beginner

First-time cardholders (INR 3 lakh minimum income) who value the free CreditStrong score-tracking subscription.

Probably not for

Skip
–
Traveller

No lounge access and a 3.4% forex markup make it unsuitable for travel.

–
Rewards Maximiser

The 0.25 INR point value caps even accelerated dining earning near ~1.25%.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Welcome bonus (Year 1)+₹250
Annual feeFREE
Net Value (Year 1)+₹250
Net Value (Year 2+)+₹0

Sign in for personalized estimates based on your actual spending

Reward Rates

Yes Bank FinBooster offers 0.25% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Grocery
0.75%
Apparel
0.75%
Dining
1.25%

Welcome Offer

Welcome Benefit

INR 250 Amazon Pay / Swiggy / Zomato voucher on card activation with a minimum transaction of INR 300. Also includes a lifetime-free CreditStrong subscription (credit fitness report with real-time dashboard to track spends and monitor credit score).

Value: ₹250

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹7.5 Lakhs
  • Min Credit Score: 750
  • Lifetime free; salaried/self-employed age 21-60; min monthly income Rs 25,000 or ITR Rs 7.5 lakh; not available to existing YES Bank CC holders.

Exclusions & Terms

Forex markup

  • Foreign currency markup

EMI Transactions

  • Does not earn reward points.

Cash Advances

  • Does not earn reward points.

Frequently Asked Questions

7 data-backed answers from our card database

What is the annual fee of the Yes Bank FinBooster credit card?+

None — the Yes Bank FinBooster is lifetime free (no joining or annual fee).

What rewards does the Yes Bank FinBooster credit card give?+

It earns 2 Reward Points per ₹200 spent (about 0.25% back), and up to 1.25% on Dining.

Does the Yes Bank FinBooster credit card offer airport lounge access?+

No, the Yes Bank FinBooster does not include complimentary airport lounge access.

What is the eligibility for the Yes Bank FinBooster credit card?+

Minimum annual income of about ₹7.5 lakh and a credit score of 750+. Lifetime free; salaried/self-employed age 21-60; min monthly income Rs 25,000 or ITR Rs 7.5 lakh; not available to existing YES Bank CC holders.

What is the forex markup on the Yes Bank FinBooster?+

3.5% + GST on international transactions.

What is the welcome benefit on the Yes Bank FinBooster?+

INR 250 Amazon Pay / Swiggy / Zomato voucher on card activation with a minimum transaction of INR 300. Also includes a lifetime-free CreditStrong subscription (credit fitness report with real-time dashboard to track spends and monitor credit score).

Is the Yes Bank FinBooster credit card worth it?+

The Yes Bank FinBooster is lifetime free (no joining or annual fee). It earns 0.25% back on regular spends and up to 1.25% on Dining. Best for: free everyday dining and grocery rewards — our verdict: recommended.

Ready to apply?

No annual fee. Apply on the Yes Bank website.

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