YES BANK Paisabazaar PaisaSave RuPay Credit Card

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The virtual RuPay twin of PaisaSave: 1% on UPI payments above ₹2,000 and 1% on other spends, 6% on dining and travel off UPI, no fee.

Annual fee
Lifetime free
Joining fee
None
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, not on UPI: 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

  • For fuel paid by UPI the MITC says no fuel surcharge waiver on UPI transactions, and in the next line that for RuPay virtual cards the UPI waiver is capped at ₹125 a statement cycle; the fuel waiver here is valued on card payments only.
  • 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

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