M16S / Yes Bank / Yes BankBazaar FinBooster Credit Card
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Yes BankBazaar FinBooster Credit Card
Yes Bank · with BankBazaarVisa · RuPayLast checked 31 Oct 2026
The Yes BankBazaar FinBooster Credit Card charges no annual fee and no joining fee. It earns 2 YES Rewardz points per Rs 200 on other retail spends (except fuel). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
YesBankBazaar FinBooster Credit CardCard design not shown
2 YES Rewardz points per Rs 200 on other retail spends (except fuel)
Point valueunverified
Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Accelerated earn
5X: 10 points per Rs 200 on online dining (MCC 5262, 5499, 5814); 3X: 6 points per Rs 200 on online grocery and apparel (MCC 5411, 5812, 5699, 5964)
Spends that earn nothing
No points on fuel, rent, wallet, government, marketing/advertising, utility spends, cash advance fees, Priority Pass charges, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).
Points expiry
3 years from earning
Reward notes
Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 1 point per Rs 100 x Rs 0.25 = 0.25%.
Transfers
Partners
Air India Maharaja Club
Ratio
10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (FinBooster and UPI FinBooster are on Air India's list)
Travel and perks
Domestic loungeunverified
None
International lounge
None
Forex markup
3.5%
Fuel surcharge waiver
1% on Rs 500-3,000 transactions, cap Rs 100 per statement
Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee
2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility
Age 21-60; minimum net salary Rs 25,000 a month or ITR Rs 7.5 lakh; existing YES BANK credit cardholders not eligible. Applied for through BankBazaar.
Fine-print notes
Issuer product page read 12 Oct 2026: confirms lifetime free (zero first-year and renewal fee), 5X/3X accelerated points and fuel waiver cap Rs 100. New from the page: the base rate of 2 points per Rs 200, the accelerated categories and MCCs (online dining 10 points, online grocery/apparel 6 points), the exclusion list, eligibility and the CreditStrong report. Network: the page defines its categories 'as defined by VISA', and the bank's e-welcome-kit index lists 'Finbooster Credit Card' and 'FinBooster RuPay Credit Card' as separate cards, so the physical card is recorded as Visa with a RuPay variant; this is an inference and stays in unverified_fields. No lounge benefit is mentioned on the page. The page does not state the forex markup; 3.4% stays unverified. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. BankBazaar's own FinBooster page could not be fetched. A non-RuPay physical variant may exist; network unconfirmed. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.
Questions
What is the annual fee of the Yes BankBazaar FinBooster Credit Card?
No annual fee.
Does the Yes BankBazaar FinBooster Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the Yes BankBazaar FinBooster Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Yes BankBazaar FinBooster Credit Card?
No points on fuel, rent, wallet, government, marketing/advertising, utility spends, cash advance fees, Priority Pass charges, EMI on Call and Instant EMI and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page).