YES Bank Paisabazaar PaisaSave Credit Card
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).
- Joining FeeFree
- Annual Fee₹499
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
- 12 pts per ₹200 on dining travel (cap 3000 cashback inr / monthly)
- Base 1.00% on other spends
- Not applicable
Rewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
Travel & hotels — earns base; accelerated rate needs 100% of this bucket qualifies
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹4,920 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- Annual fee waivable on ₹1,20,000 spend.
- Accelerated earn worth ≈6.0% on dining travel.
- 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 travel (cap 3000 cashback inr / monthly)6% cashback on an explicit allowlist of 24 dining & travel MCCs, capped Rs 3,000/month, then flat 1%. FOOD DELIVERY DOES NOT EARN THE 6%: Paisabazaar's page claims the dining side covers "Dining, including Swiggy, Zomato, Dineout", but cardholders report aggregator spend posting at the 1% base. That page is lead-gen marketing, not the issuer MITC, so the claim never had issuer backing — `dining` is excluded from the scored categories until the MITC settles it. In practice this card earns the 6% on TRAVEL (airlines, hotels, agents). Also excluded: "UPI spends on dining & travel do not qualify for 6% cashback."
- 6% cashback applies ONLY to the 24 allowlisted dining/travel MCCs; everything else earns the 1% base.
- FOOD DELIVERY (Swiggy/Zomato/aggregators) is field-reported to earn the 1% base, NOT the 6%, despite marketing copy to the contrary. Unverified against the MITC.
- 6% dining/travel cashback capped at Rs 3,000 per month, then flat 1%.
- UPI-routed dining & travel spends are excluded from the 6% rate and earn the 1% base instead.
- No cashback on rent, utilities, education, insurance, EMI, wallet loads, cash advance, toll, government, fuel, hospitals or pharmacies
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
- education
- government
- jewellery
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
- : www.paisabazaar.com · retrieved 28 Jul 2026
Last verified 28 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.