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FinBooster YES Bank BankBazaar Credit Card
Visa
FinBooster YES Bank BankBazaar Credit Card
A lifetime-free co-brand card with BankBazaar built around a 'credit fitness' theme, pairing everyday category rewards with a bundled credit-monitoring subscription. From year two, the fee is waived only if annual spend crosses Rs 1 lakh.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, groceries. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate · Never-expiring reward points with no accrual cap, accelerated on online dining, grocery and apparel spends.
- 🛒 Groceries
3% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between Rs 500-3,000.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Never-expiring reward points with no accrual cap, accelerated on online dining, grocery and apparel spends.
- Complimentary first-year CreditStrong subscription with a real-time credit fitness dashboard.
- 1% fuel surcharge waiver on transactions between Rs 500-3,000.
Pros
- + Lifetime free with no joining fee
- + Free CreditStrong credit-monitoring subscription
- + Rewards never expire and accrual is uncapped
Cons
- − Rs 400 fee from year two if spend falls short of Rs 1 lakh
- − Only available to apply via the BankBazaar platform