YES Bank Paisabazaar PaisaSave Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank Paisabazaar PaisaSave Credit Card is a entry co-branded credit card from YES Bank and Paisabazaar, with a joining fee of ₹499 + GST.
It earns up to 12 pts per ₹200 (≈6.0% value) on Paisabazaar spends in the form of reward points (points).
YES Bank Paisabazaar PaisaSave Credit Card
- Joining FeeFree
- Annual Fee₹499
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- 12 pts per ₹200 on dining travel
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
12 pts per ₹200 on dining travel
Base 1.00% on other spends.
Reward Redemption
PaisaSave: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,20,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- Co-branded entry card by YES Bank and Paisabazaar.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,20,000.
- Available on the RuPay network.
Pros & Cons
Pros
- Annual fee waivable on ₹1,20,000 spend.
- Accelerated earn worth ≈6.0% on dining travel.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 12 pts per ₹200 on dining travel6% cashback (12 Reward Points per ₹200) on Dining & Travel; 1% (2 RP per ₹200) on other spends. 1 RP = ₹1.
Capping rules
- 6% accelerated cashback on dining/travel subject to monthly caps
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.