Question 1

What is the annual fee on the Paisabazaar PaisaSave RuPay Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the Paisabazaar PaisaSave RuPay Credit Card?

Accepted Answer

You earn 12 points per ₹200 on Dining & Travel. Everything else earns 2 points per ₹200. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 600 points, roughly ₹150, which is about 1.5% back. The accelerated rate stops after ₹3,000 of spend in a month.

Question 3

Which spends do not earn rewards on the Paisabazaar PaisaSave RuPay Credit Card?

Accepted Answer

YES Bank does not publish a single exclusion list for this card, and the categories have been revised more than once. Rent, wallet loads, fuel, EMI conversions and government payments are the usual zeroes across the market. Read the reward terms page on your statement before you plan a large spend around this card.

Question 4

What changed on the Paisabazaar PaisaSave RuPay Credit Card recently and is it still worth it in 2026?

Accepted Answer

YES blanket devaluations. The changes are dated Dec 2024-May 2025. At ₹1.2L of yearly spend the card returns roughly ₹1,200 at its general rate of about 1%, against a ₹499 renewal fee. Keep it if you clear the ₹1.2L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Paisabazaar PaisaSave RuPay Credit Card

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