Card Details
Paisabazaar PaisaSave RuPay Credit Card
Monzy Score
6.5/ 10
Good for frequent travellers.
~3.0% back on top spends; thin rewards outside its core category.
Card Issuer
YES Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
—
Card Access
Standard
Earn Points
12pts
/₹200 on Dining (Limit ₹3,000/Mo)
12pts
/₹200 on Travel (Limit ₹3,000/Mo)
2pts
/₹200 on All Other Spends (Limit ₹3,000/Mo)
1%
Fuel Surcharge Waiver
Benefits
6% Cashback Dining
1% Fuel Surcharge Waiver
4 Pts/₹200 Apparel & Dept Stores
6% Cashback Travel
4 Pts/₹200 on Utility Bills
4 Pts/₹200 Grocery Stores
6% Cashback Hotels
₹499 Annual Fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, utilities, education, insurance, emi, wallet, cash, government, fuel, telecom, jewellery
Estimated Returns
Dining & Travel (select MCCs)
cap 3000 then 1%
₹1,800
All other spends incl UPI
1% UPI only above 2000
₹0
Total Annual Return
₹21,600
6% Effective ROIWhat Users Are Saying
Community Feed
Aug 2025
“Is Paisabazaar YES Bank a good alternative to SBI”
by r/CreditCardsIndia, Aug 2025
“Is Yes Bank PaisaSave Credit Cardit worth it?”
by r/CreditCardsIndia, Jul 2025
“Please suggest a credit card which you think will be”
by r/CreditCardsIndia, Nov 2025
“New cashback card by Yes bank”
by r/CreditCardsIndia, Jul 2025
“YES BANK LAUNCHED NEW CASHBACK CREDIT CARD”
by r/IndianCreditCards, Jul 2025
Frequently Asked Questions
The joining fee is ₹0 plus GST and the renewal fee is ₹499 plus GST. YES Bank waives the renewal fee if you spend ₹1.2L in the previous year, which is about ₹10,000 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.
