YES BankPaisabazaar PaisaSave
YES Bank ·
Paisabazaar PaisaSave
Joining ₹0 · Annual ₹499 · Zero joining fee. The ₹499 renewal is waived on ₹1.2 lakh of retail spends in the anniversary year
Fee break-even: ≈₹49,900/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward points · assumed 0.5 ₹/point. Points convert to statement credit at par through YES Rewardz, so 12 points per ₹200 really is 6% and 2 points per ₹200 really is 1%
Verified 13 Aug 2026Forex markup3.5%
Fuel surcharge1% surcharge waived
EMI₹299 plus GST at a shop, or up to 2% when you convert a bill afterwards processing fee · Minimum transaction is ₹1,500 and tenures run 3 to 36 months. Closing early costs 4% plus GST.
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1% | Base rate |
| Amazon | 1% | Base rate |
| Flipkart | 1% | Base rate |
| Subscriptions & OTT | 1% | Base rate |
| Offline spend | 1% | Base rate |
| UPI spending | 0% | The base card is not RuPay. YES Bank markets a separate PaisaSave RuPay variant for UPI |
| Dining | 6% | 12 points per ₹200 on dining, per YES Bank's own page. Watch the linked terms for caps |
| Swiggy | 6% | Uses its dining rate |
| Zomato | 6% | Uses its dining rate |
| Groceries | 1% | Base rate |
| Quick commerce | 1% | Base rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 1% | Base rate |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 0% | No points, a 1% surcharge waiver stands in |
| Travel (general) | 6% | 12 points per ₹200 on travel |
| Flights | 6% | Uses its travel rate |
| Hotels | 6% | Uses its travel rate |
| MakeMyTrip | 6% | Uses its travel rate |
| IRCTC rail | 6% | Uses its travel rate |
| International | −2.5% | 1% reward − 3.5% forex markup |
| Utilities & bills | 1% | Base rate |
| Rent | 1% | Base rate |
| Education fees | 1% | Base rate |
| Insurance premiums | 1% | Base rate |
| Government & tax | 1% | Base rate |
| Wallet loads | 1% | Base rate |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Cashback accrues as points and redeems against the statement 1 to 1 through YES Rewardz, with no conversion charge
What we liked
- 6% on dining and travel, credited against the bill rather than trapped in a catalogue
- No joining fee and a low ₹1.2 lakh renewal waiver
- A separate RuPay variant exists if you want the same card on UPI
What to mind
- 1% on everything else
- YES Bank does not print the 6% caps on the page face, they live in the linked terms
- Co-branded with a marketplace, so expect Paisabazaar marketing
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.