The FinBooster: YES Bank - BankBazaar Co-branded Credit Card is the first of its kind in India and is arguably the most rewarding credit card. It helps you build a healthy credit behaviour with regular credit fitness reports which give you insights into your financial health. If you want to improve your credit score and also enjoy higher rewards, this card is for you.
Credit fitness benefits:
Other YES Bank Credit Cards
Reward points benefits:
|Schedule of Charges|
|Annual Membership Fee (First Year & Renewal)||NIL|
|Interest Free Period||Up to 50 days|
|Minimum Amount Due (MAD)||
|Cash Advance Limit||Up to 30% of Credit Limit|
|Supplementary / Add-on Card fee||NIL (Maximum up to 3 add-on cards can be issued)|
|Finance Charges on Revolving Credit, on Cash||3.50% p.m. (42.00% Annualized)|
|Late Payment Charges (LPC) (Per Statement, as per the statement balance)||Nil to Rs.1,000 (depending on statement balance)|
|Overlimit Fee||2.5% of overlimit amount or Rs.500, whichever is higher per instance|
|Cash Advance Fee||2.5% of amount withdrawn or Rs.300, whichever is higher|
|Fuel surcharge waiver across all fuel station in India (GST levied on Fuel Surcharge will not be reversed||1% waiver on the fuel surcharge on fuel transactions between Rs.400 and Rs.5,000.|
|Re-issuance fee for Lost, Stolen or Damaged Card||Rs.100 (per instance)|
|Foreign Currency Conversion Charges||3.40%|
|Duplicate Statement (Statement older than 6 months)||Rs.100 per statement|
|Priority Pass Lounge Charges||Not Applicable|
|Charges on purchase or cancellation of Railway Tickets||As prescribed by IRCTC/Indian Railways|
|Cash deposit at YES Bank Branches towards Credit Card repayment||Rs.100|
|TDS on withdrawals above Rs.1 crore||With effect from 1st September 2019, TDS @ 2% is applicable on aggregate cash withdrawals exceeding Rs.1 Cr from all accounts and cards with YBL, in a particular financial year|
|Credit Fitness Tracker (Credit Strong) subscription charges for 1st year||NIL|
|Credit Fitness Tracker (Credit Strong) subscription from second year onwards||Rs.400 - Will be waived off on achieving annual spends of 1 lakh or more in the anniversary year*.|
|Goods and Services Tax (GST)||18% (Applicable on all fee and charges)|
*Terms and Conditions apply
There is no cap on the number of reward points that you can earn with this card.
The minimum amount due is the annual fee plus EMI amounts (if any) plus GST and a minimum of 5% of the total amount due or Rs.200 (whichever is higher). If the MAD is less than Rs.200, the Total Amount Due (TAD) = Minimum Amount Due (MAD).
You can get a maximum of 3 add-on credit cards.
No, please note that the GST amount is not reversable.
Yes, you need to have a minimum income of Rs.25,000 per month.
The reward points that you earn do not expire.
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