Compare : HSBC Live+ Credit Card vs YES BANK Paisabazaar PaisaSave Credit Card

Rs. 1,000 cashback on spending Rs. 20,000 within the first 30 days of card issuance (Valid till 31st Dec 2024)

NA

10% cashback, up to Rs. 1,000 per month, on grocery, dining and food delivery spends

Unlimited 1.5% cashback on other category spends

6% cashback as 12 reward points per Rs. 200 spent on dining and travel

1% cashback as 2 reward points per Rs. 200 spent on other category spends

1 Reward Point = Rs. 1, redeemable as statement credit via YES Rewards platform

4 complimentary visits to domestic airport lounges every year

NA

High cashback earning rate on food-related spends

Hassle-free cashback redemption as statement credit

Low spend-based annual fee waiver condition

Good value-back on card activation

6% cashback on travel and dining spends

Reward points are redeemable as statement credit in 1:1 redemption ratio

No brand restriction on categories with accelerated value-back

Low annual fee with easily achievable fee waiver condition

Monthly capping of Rs. 1,000 in the accelerated categories is too low for a card that charges Rs. 999 annual fee

No significant benefits on travel, movies or other online spends

Long list of exclusions from cashback earning that also includes some major spends like utility bill payments, fuel, rent etc

Capping on accelerated value-back earnings

No value-back on UPI transactions below Rs. 2,000

Those who prefer cashback over reward points, frequently dine-out or whose food-related spends make up a major portion of their monthly spends.

Those who are looking for a cashback credit card with minimal annual fee and who travel and dine-out frequently