YES BANK Paisabazaar PaisaSave Credit Card
Yes Bank · Open to apply
A Paisabazaar co-brand cashback card: 6% on dining and travel and 1% on other spends, paid as reward points worth ₹1 each against the statement, with a ₹499 fee waived at ₹1.2 lakh of spend.
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹1,20,000 spend per card year
- Base rate
- 1% (2 points per ₹200) on other spends: 2 Reward points (cashback) per ₹200 (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 6% (12 points per ₹200) on dining and travel: 12 Reward points (cashback) per ₹200 (about 6% at cash value)
Earns nothing on
- No cashback on EMI, utilities, insurance, fuel, rent, wallet loads, education, jewellery, government, hospitals, pharmacy, tolls, telecom and cash
- No cashback on passenger railways
Terms the calculator does not value
- The 6% dining and travel rate covers only the MCCs 5812, 5813, 5814, 4511, 4582, 4722, 7011 and the airline and hotel chain codes 3501 to 3812 and 3020; our dining, flights and hotels categories are slightly wider. Travel agencies and OTAs (4722) earn 6%, but our other-travel category also holds cabs, buses and car rental, which are not on the list and earn the 1% base, so it is not in the 6% rule and OTA bookings are valued at 1% here.
- The glossary lists many MCC groups (motor vehicle dealers and services, direct marketing, doctors) that earn nothing; only the ones that map to our categories are entered as exclusions.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, Paisabazaar PaisaSave Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)