YES Bank lifetime Free Credit Card: In the bustling world of personal finance, Yes Bank has carved a niche as a trusted name in India’s banking sector, offering a range of credit cards tailored to diverse lifestyles. Among its offerings, the lifetime free credit cards stand out as a perfect entry point for first-time users or those seeking cost-effective financial tools. As of April 2025, Yes Bank provides options like the FinBooster: YES Bank-BankBazaar Co-branded Credit Card, which comes with no joining or annual fees, making it an attractive choice for budget-conscious individuals. This article delves into the features, benefits, and eligibility of Yes Bank’s lifetime free credit cards, offering insights for those looking to build credit without the burden of recurring fees.
Table of Contents
YES Bank lifetime Free Credit Card
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Criteria
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Details |
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Age
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Between 21 and 60 years (some sources mention up to 65 years) |
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Employment
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Salaried or self-employed with a steady income |
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Minimum Income
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Salaried: Rs. 40,000/month; Self-employed: Rs. 5 lakh/year ITR (varies by card) |
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Credit Score
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Preferably 750 or above (good credit score is important) |
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Residential Status
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Resident of India (may need to apply in specific cities) |
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Documents Required
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PAN card, Aadhaar, address proof (utility bill), income proof (salary slips/ITR) |
Why Choose a Lifetime Free Credit Card?
Credit cards often come with annual fees that can deter new users, but Yes Bank’s lifetime free cards eliminate this concern, allowing users to focus on building a strong credit history. These cards are particularly beneficial for young professionals, students, or homemakers who want to dip their toes into credit without financial commitments. With no annual fees, users can enjoy basic rewards, cashback, and financial flexibility while learning to manage credit responsibly. Yes Bank’s approach ensures that even entry-level cards provide value, making them a practical choice for beginners.
Features of Yes Bank Lifetime Free Credit Cards
Yes Bank currently offers the FinBooster: YES Bank-BankBazaar Co-branded Credit Card as its flagship lifetime free option. Here’s what sets it apart:
- Zero Fees: No joining or annual fees, ensuring it’s truly free for life.
- Credit Fitness Tracker: Cardholders gain access to monthly credit fitness reports via a real-time dashboard, helping them monitor and improve their credit score after their first transaction.
- Reward Points: Earn 2 reward points for every Rs. 200 spent on non-UPI transactions, with the ability to share points with family and friends—a unique feature fostering community engagement.
- Fuel Surcharge Waiver: A 1% waiver on fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations across India, capped at a reasonable limit to encourage everyday use.
- Insurance Coverage: Offers a Rs. 2.5 lakh credit shield in case of the primary cardholder’s accidental death, adding a layer of security.
- Dining Discounts: Enjoy a 15% discount on dining bills at select restaurants, enhancing the card’s lifestyle benefits.
- EMI Conversion: Convert transactions above Rs. 2,500 into EMIs, providing flexibility for larger purchases.
Additionally, Yes Bank recently introduced the Yes Bank RuPay Credit Card, another lifetime free option that can be linked to UPI apps, making digital payments seamless for tech-savvy users.
Benefits for New Users
For those new to credit, the FinBooster card is a game-changer. The credit fitness tracker empowers users to understand their financial health, offering insights that can boost their credit score over time. The lack of annual fees removes the pressure of meeting spending thresholds to waive charges, a common requirement with other cards. Moreover, the fuel surcharge waiver and dining discounts add practical value to everyday spending, while the reward points system introduces users to the perks of credit card usage without overwhelming them with complexity.
Documents Required for Yes Bank Lifetime Free Credit Card
| Identity Proof |
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| Address Proof |
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| Income Proof |
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Photograph
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A recent passport-size photograph might be required during the application process, especially if applying offline. |
| Application Form |
A duly filled credit card application form, which you can get online from Yes Bank’s website (www.yesbank.in) or through partners like BankBazaar. You’ll need to sign it.
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Eligibility and Application Process
To apply for a Yes Bank lifetime free credit card, candidates must meet the following criteria:
- Age: Between 21 and 60 years.
- Income: A minimum monthly income of Rs. 40,000, though this may vary slightly based on the card variant.
- Employment: Salaried or self-employed individuals with a steady income source.
- Credit Score: A good credit history is preferred, though the card is designed for those building credit, so exceptions may apply for first-timers.
The application process is straightforward and can be completed online via Yes Bank’s official website (www.yesbank.in) or through partners like BankBazaar. Users need to submit identity proof (e.g., Aadhaar, PAN), address proof (e.g., utility bill), and income proof (e.g., salary slips or bank statements). Once approved, the card is delivered within a week, ready for activation.
Comparison with Other Yes Bank Cards
While the FinBooster card is lifetime free, Yes Bank also offers entry-level cards with nominal fees, such as the YES Prosperity Edge Credit Card (joining fee Rs. 399, waivable on spending Rs. 15,000 within 90 days). This card offers 8 reward points per Rs. 200 on online shopping and a spend-based annual fee waiver, making it a step up for those willing to spend a bit more for added perks. The YES EMI Credit Card (annual fee Rs. 499, waivable) caters to users preferring EMI conversions, with up to 3% cashback on transactions. For beginners, however, the lifetime free option remains the most cost-effective way to start.
Conclusion
Yes Bank’s lifetime free credit cards, like the FinBooster and RuPay variants, are a boon for those entering the world of credit. They combine practicality with essential benefits, ensuring users can build financial discipline without the burden of fees. Whether you’re fueling up, dining out, or tracking your credit score, these cards offer a balanced mix of rewards and security. For anyone seeking a hassle-free credit card experience in 2025, Yes Bank’s lifetime free offerings are a smart choice to kickstart their financial journey.
Important Link
| Official Website | Click Here |
| Home Page | Click Here |
FAQs About Yes Bank Lifetime Free Credit Card
1. What is a Yes Bank Lifetime Free Credit Card?
A credit card with no joining or annual fees for life, like the FinBooster: YES Bank-BankBazaar Card.
2. What are the main benefits?
Credit fitness tracker, 2 reward points per Rs. 200 on non-UPI spends, 1% fuel surcharge waiver, 15% dining discount, Rs. 2.5 lakh credit shield.
3. Who can apply?
People aged 21-60, salaried or self-employed, with Rs. 40,000/month income (salaried) or Rs. 5 lakh/year ITR (self-employed), and a credit score of 750+.
4. What documents are needed?
PAN card, Aadhaar, address proof (utility bill), income proof (salary slips/ITR), and a recent photograph.
5. Are there hidden charges?
No annual fee, but interest (3.5-3.6% monthly), late payment fees (Rs. 150-1,200), and cash advance fees (2.5% or Rs. 300) may apply.
6. Can I use it internationally?
Yes, but with a 3.5% + GST foreign transaction fee.
7. How do I apply?
Apply online at www.yesbank.in or via BankBazaar, upload documents, and get approval within minutes.
8. How to contact Yes Bank for support?
Call 1800 103 1212 (India) or +91 22 4935 0000 (international), or email yestouch@yesbank.in.