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  • Paisabazaar PaisaSave Credit Card
    • Image of YES BANK Paisabazaar PaisaSave Credit Card
    YES BANK

    YES BANK Paisabazaar PaisaSave Credit Card

    cat name Travel
    cat name Dining
    cat name Cashback
    4.0/5.0

    Travel3.5/5

    Cashback4.0/5

    Dining Benefits4.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹ 0

    Travel

    Travel

    6% cashback across all travel spends

    Dining

    Dining

    6% cashback on all dining spends

    UPI Savings

    UPI Savings

    1% unlimited cashback on UPI transactions

    Updated on December 15, 2025 11:42 am

    Author: Lepakshi Phogat

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    About The CardReward DetailsBenefits & PrivilegesFees & ChargesThings to KnowCard ReviewFAQs

    About YES BANK Paisabazaar PaisaSave Credit Card

    YES BANK Paisabazaar PaisaSave Credit Card is a cashback card catering to consumers who spend a considerable amount on dining and travel. Cardholders get flat 6% cashback on both these spending categories – which is possibly the highest value-back offered without any platform or merchant restrictions. In addition to this accelerated cashback, card users get 1% unlimited cashback on all other spends, including UPI transactions made through the virtual RuPay card variant.

    In terms of dining-focused features, this YES BANK credit card now stands as a worthy competitor to cards, like Swiggy HDFC and HDFC Live+, that also cater to frequent diners. With these cards either targeting brand-specific spends or capping the earnings at a much lower limit, YES BANK PaisaSave comes out as a better alternative. Moreover, travellers who are not comfortable with earning miles and redeeming them later against flight tickets or those who do not wish to restrict themselves to a specific platform may find more value in YES BANK PaisaSave Credit Card. Read on to know about the fees, features and benefits of YES BANK PaisaSave Credit Card in detail.

    You can get this credit card in physical as well as virtual form. The physical card is available on the Mastercard network, while the virtual one is a RuPay credit card which can be used to make UPI transactions. You can get the YES BANK Paisabazaar PaisaSave RuPay Credit Card without any extra charges as an accompaniment to the Mastercard variant by opting for it at the time of card application. With the RuPay variant, you can earn 1% cashback on UPI transactions above Rs. 2,000.

    Cashback Benefits

    Cashback Earning

    • 6% Cashback: 12 reward points per Rs. 200 spent on dining and travel1
    • 1% Cashback: 2 reward points per Rs. 200 spent on other category spends2
    • Capping: 6% cashback is capped at Rs. 3,000 per month. Base cashback rate of 1% will apply on all card spends once you reach the capped limit.

        Cashback Redemption

        Earned reward points can be redeemed as cashback/statement credit via YES Rewardz platform and used for the payment of outstanding credit card balance.

        • 1 Reward Point = Rs. 1
        • Redemption Fee: Nil
        Image of null
        Image of YES BANK Paisabazaar PaisaSave Credit Card

        Other Features and Benefits

        Apart from the cashback benefits that let the cardholders save on every spend, YES BANK PaisaSave Credit Card also comes with the following features:

        • Renewal Fee Waiver

        You can get the card renewal fee worth Rs. 499 waived off on spending at least Rs. 1.2 Lakh via your card during the previous year.

        • Fuel Surcharge Waiver

        1% fuel surcharge waiver of up to Rs. 250 per statement cycle is applicable on all fuel transactions worth Rs. 500 to Rs. 3,000 (excluding GST).

        Fees & Charges

        Particulars Amount
        Joining Fee Nil
        Annual Fee Rs. 499 from 2nd year onwards (Nil for RuPay card)
        Re-Issuance Fee of Lost, Stolen, or Damaged Card Rs. 100
        Finance Charges 3.99% per month (47.88% per annum)
        Forex Mark-up Fee 3.40%
        Late Payment Charges
        On outstanding balance of:
        Up to Rs. 500 Nil
        Above Rs. 500 Rs. 1,350 or 10% of total outstanding amount, whichever is lower

        Things to Know Before you apply

        Get This Card If:

        You prefer to earn cashback on all your spends without any reward redemption fee

        You travel and dine-out frequently and want a card with good savings on these spends

        You are looking for a low annual fee card with good cashback rate on select lifestyle spends without any brand, platform or airline restriction

        You want a card with hassle-free reward points redemption for cashback without any added cost of redemption fee

        Eligibility Criteria:

        Age: 21 to 60 years

        Occupation: Salaried or Self-employed

        Minimum Income Required: Net salary of Rs. 25,000 per month or ITR of Rs. 7.5 lakh

        Paisabazaar Review

        Overall Rating

        4.0/5

        Travel3.5/5

        Cashback4.0/5

        Dining Benefits4.0/5

        What do we like about this card?

        YES BANK PaisaSave Credit Card comes with a good cashback rate on two popular lifestyle-related spending categories - dining and travel, without any merchant restrictions. Though this accelerated value-back comes with a monthly capping, it is generous enough to benefit most average spenders. Unlimited base cashback rate on other spends, including UPI transactions, with a low annual fee and an easily attainable waiver condition, allows the users to maximise their savings at minimal additional cost.

        Pros

        • 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

        Cons

        • Capping on accelerated value-back earnings
        • No value-back on UPI transactions below Rs. 2,000

        Conclusion

        Those looking for an entry-level credit card that provides good returns on dining and travel spends can consider YES BANK Paisabazaar PaisaSave Credit Card. While a few other credit cards come with an even higher value-back on these categories, their benefits are either limited to a specific brand or platform, or are capped at a lower monthly limit, making PaisaSave a better option for those who do not wish to have such restrictions.

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        Frequently Asked Questions

        Everything you need to know about this credit card

        Though YES BANK does not offer any cashback on EMI transactions, YES BANK Paisabazaar PaisaSave credit cardholders can still avail the instant EMI and EMI on Call facilities on card purchases worth minimum Rs. 1,500. Via the instant EMI service, you can opt to pay in parts for your purchase, while the EMI on Call is a post purchase EMI option that you can choose by making a call to the bank. However, if possible, it is advised to pay your dues in full by the due date to avoid accruing interest charges.

        YES BANK Paisabazaar PaisaSave credit card users would accrue their cashback as reward points that are credited to their credit card account. These points can later be redeemed as statement credit in 1:1 ratio without paying any additional fee by logging in to the YES Rewardz platform.

        No, those who are existing YES BANK credit cardholders are not eligible for YES BANK PaisaSave card.

        YES BANK PaisaSave RuPay credit card is only offered as a complimentary card with the Mastercard variant. So, you can get the Rupay variant only if you have the Mastercard one.
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        Footnotes

        1. Applicable on select dining and travel-related MCCs: 4511, 4582, 4722, 7011, 5812, 5813, 5814, 3501, 3509, 3513, 3520, 3530, 3543, 3553, 3583, 3637, 3640, 3642, 3649, 3657, 3659, 3690, 3812, and 3020.
        2. No reward points/cashback accrual on the following spending categories: Rent, Utilities, Education, Insurance, EMI transactions, Wallet loading, Cash Advance, Toll, Govt. services, Fuel, Hospitals and Medical centers, Drug stores and Pharmacies, Telecommunication equipment and telephone sales, Electronic stores, Electronic repair shops, Computer software stores, Professional services, Jewelry, Medical & Dental labs, Miscellaneous Business Services, Advertising services, Doctors, Accounting/Bookkeeping services, Direct Marketing – Combination Catalog and Retail Merchant, Car and Truck Dealers (New & Used) Sales, Motorcycle shops and Dealers, Automotive parts and accessories stores, Motor Vehicle supplies and new parts, Car and truck dealers (used only) sales, service, repairs parts and leasing, Direct marketing – Insurance services (MCCs- 6513, 4900, 8299, 8220, 8211, 8249, 8241, 6300, 6538, 9399, 9311, 4784, 5172, 8062, 8099, 8071, 5912, 4814, 4812, 5732, 7622, 5734, 8999, 5944, 5094, 5965, 7399, 7311, 8931, 7392, 8011, 5511, 5571, 5533, 5013, 5521, 5960).

        Click here to know More Terms and Conditions

        Lepakshi Phogat linkedIn icon

        Content Writer

        Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

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