Summary
The Yes Bank The FinBooster Rupay Credit Card is a terrific all-around financial tool that gives you the ideal mix of rewards, safety, and perks for your credit health. This card is great for folks who are smart and responsible with their money. It helps you remember what you buy every day and build a good credit history.
You may also earn points for almost every purchase you make with the card, such as groceries, gas, eating out, or shopping online. You may easily utilize these points to acquire gift cards, plan trips, and do other things that will make your life better. There are other benefits to the card as well, such as letting you pay without touching it, waiving fuel costs, and letting you use airport lounges.
It also has an EMV chip incorporated, which makes it safer to use. It also has a simple online application process, low yearly fees, and in many cases, it could be free for life. This makes it simple and cheap for most individuals to use. People who are just starting to establish credit or wish to enhance their score while getting benefits in their daily lives should get the Yes Bank FinBooster Rupay Credit Card.
Introduction
A credit card is more than just a plastic card these days; it’s a smart financial tool that makes life easier and comes with rewards and other benefits. A decent credit card may make your financial life easier, whether you want to purchase online, book a flight, pay your energy bills, or keep track of your monthly expenses. The Yes Bank FinBooster Rupay Credit Card is one of the best credit cards in India because it has some unique characteristics and helps your credit health.
The Yes Bank FinBooster Rupay Credit Card is enabled by Rupay, a domestic card network that the National Payments Corporation of India (NPCI) established. This means that the card can be used at millions of stores in India and other countries. Also, being on the Rupay platform implies that you can get exclusive discounts and services from the government.
The FinBooster Credit Card has credit monitoring tools, which is one of the best things about it. Yes Bank has teamed up with CreditStrong to give cardholders access to monthly credit score tracking, credit advice, and ideas on how to improve their CIBIL score. This is especially helpful for people who are new to credit or who wish to fix or improve their credit profile.
Also, you can earn reward points on every purchase you make with the card. You can use these points to get shopping vouchers, book trips, and more. You get rewards for every purchase you make, whether it’s groceries, gas, eating out, or shopping for your lifestyle.
What is the Yes Bank FinBooster Rupay Credit Card?
The Yes Bank FinBooster Rupay Credit Card is a clever and handy credit card that is made for people who wish to increase their credit score and better manage their money. The Rupay network powers this card, so it may be used at millions of retailers and websites in India and around the world. This card is different from others because it not only gives you normal rewards and bonuses, but it also gives you tools to track and improve your CIBIL credit score.
In addition, Yes Bank has teamed up with CreditStrong to allow customers to check their credit report every month. In this manner, people can keep track of their credit health and make changes if they need to. The card also grants you reward points for regular transactions like groceries, gas, dining out, and more. You can use these points later to get gift cards, go shopping, or book a trip.
How is the design of the Yes Bank FinBooster Rupay Credit Card?
The Yes Bank FinBooster Rupay Credit Card is sleek, modern, and good-looking. At first impression, the sleek design and classy color scheme make it look like a high-end item. The Rupay emblem on the card shows that it can be used at a lot of places in India and around the world where Rupay is accepted. The Yes Bank logo is very simple to notice, which gives the company a professional and trustworthy impression.
The card also incorporates an EMV chip, which not only makes it seem more modern but also makes your purchases safer. The chip is built into the card to protect it from fraud and unauthorized usage. It’s easy to grip and fits in any wallet because of the size and texture of the card.
What are the benefits of the Yes Bank FinBooster Rupay Credit Card?
Let’s quickly go over its primary benefits:
1. Watching your credit score go up and up
One of the best things about this card is that it helps you maintain track of and improve your credit score. Yes Bank has partnered with CreditStrong, which gives:
- Checking your CIBIL score every month
- Detailed information about credit reports
- Personalized credit help
- This is quite helpful if you want to raise or increase your credit score.
2. Earn points for every purchase
- With this card, you can earn reward points on almost every purchase, such as
- Going out to eat, getting groceries, filling up your car, and shopping online
- You can spend these points to acquire gift cards, schedule a vacation, and other things that make your life better.
3. No fuel surcharge
If you use the card to buy gas in India for between ₹400 and ₹5,000, you can avoid the 1% surcharge. This means you can save money every time you fill up your car.
4. Connecting Rupay Offers and UPI
- You can use the card because it works with Rupay.
- Deals that are only for people who use Rupay
- You may easily add UPI apps like PhonePe and Paytm to make credit card payments over UPI. This is something that Visa and Mastercard can’t accomplish.
5. Getting into the lounge
Some airports in the US let you use the card to access airport lounges, which makes your vacation more comfortable and easier.
6. The safety of the EMV chip
The card has an EMV chip built into it, which makes it difficult for fraud and transactions that aren’t allowed to happen.
What are the fees for the Yes Bank FinBooster Rupay Credit Card?
Here is a simple breakdown of the Yes Bank FinBooster Rupay Credit Card fee.
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Yes Bank FinBooster Rupay Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get a Yes Bank FinBooster Rupay Credit Card?
The documents that you will have to submit to get the Yes Bank FinBooster Rupay Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Yes Bank FinBooster Rupay Credit Card be used?
Here is the list of places where you can use it:
- With the Yes Bank FinBooster Rupay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Yes Bank FinBooster Rupay Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The Yes Bank FinBooster Rupay Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Yes Bank FinBooster Rupay Credit Card?
The credit amount you can spend is what you are provided with when you have a Yes Bank FinBooster Rupay Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.
It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.
How do you apply for the Yes Bank FinBooster Rupay Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Yes Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank FinBooster Rupay Credit Card.
- Simply hover your cursor over the Yes Bank FinBooster Rupay Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can request additional documents or information if necessary.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Yes Bank branch to apply for the Yes Bank FinBooster Rupay Credit Card.
- Request the credit card application form for the Yes Bank FinanceBooster Rupay Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Yes Bank FinBooster Rupay Credit Card by post at the same postal address.
- Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Yes Bank FinBooster Rupay Credit Card in 2025 be the right choice?
Obtaining the Yes Bank FinBooster Rupay Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.
Conclusion
The Yes Bank FinBooster Rupay Credit Card is more than just a typical credit card. It’s a full financial partner that helps you build your credit and spend wisely at the same time. This card is different from a lot of other credit cards because it gives you more than just rewards or discounts. It also lets you check your credit score and obtain financial advice, which are both incredibly helpful in today’s credit-driven world.
The card is also highly useful because it gives you reward points for everyday transactions, doesn’t charge you extra for gas, lets you use airport lounges, and has EMV chip security. You can also connect it to UPI apps and earn unique Rupay rewards because it is a Rupay-powered card. This makes it much easier and more flexible to do business.
Another great thing about it is that it has a low yearly fee and the option to get it for free for life. This makes it easy for people with employment, people who are self-employed, and even people who are just starting to establish their credit to get. It’s much easier to use this card because the application process is simple and the approval process is quick.
Frequently Asked Questions (FAQ’s)
Ans: You can use the Yes Bank FinBooster Rupay Credit Card anywhere in the world that accepts VISA or Mastercard. But there can be expenses for changing money.
Ans: Yes, of course. The card has advanced security features like tap-to-pay, a small amount of printed information, and the ability to track it in real time through the app. These things make your purchases safer.
Ans: No issue. You can pay the whole amount at once instead of in parts. You can choose every month based on how much money you have.
Ans: You may use the UNI app on both Android and iOS to easily keep track of your spending, see your statements, set restrictions, and pay your bills.
Ans: If you lose your card or someone steals it, you can block it straight away using the app or by phoning UNI’s customer service. This will block anyone from utilizing it without your permission.
