YES Bank
YES BANK PaisaSave Credit Card
Best for travel, dining, and UPI cashback
₹499/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹499/yr
Reward rate
1x
Min. income
₹2,50,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
₹1,000/month
Welcome benefit
None beyond the reward rate
Who is this for
- Travel enthusiast
- Dining spender
- UPI user
What we like
- 6% cashback on travel and dining
- 1% unlimited on UPI
- Lifetime free first year on card anniversary
Watch out for
- 3.5% forex markup
- Rs 500 late-payment fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹499 | Waived on Rs 20,000 annual spend |
| Late payment | ₹500 | Not waivable |
| Forex markup | 3.5% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 6.00 | ₹1,000/month | 1.00 |
| DINING | 6.00 | ₹1,000/month | 1.00 |
| All spends | 1.00 | No cap | 1.00 |
Benefits
-
Travel cashback Highlight
6% cashback on all travel spends
-
Dining cashback Highlight
6% cashback on all dining spends
-
UPI cashback Highlight
1% unlimited cashback on UPI transactions
-
Fuel surcharge waiver
1% waiver on fuel transactions Rs 500-3,000
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Good credit score preferred
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
YES BANK PaisaSave Credit Card is a Visa credit card from YES Bank, offering 6% cashback on travel and dining spends and unlimited 1% cashback on UPI and other spends.
Fees and rewards
- Annual fee: Rs 499 (waived on Rs 20,000 annual spend)
- Joining fee: Nil
- Rewards: 6% cashback on travel/dining; 1% on UPI and other spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for YES BANK PaisaSave Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the YES BANK PaisaSave Credit Card worth it?
What is the annual fee for the YES BANK PaisaSave Credit Card?
How does the YES BANK PaisaSave Credit Card reward rate work?
What are the eligibility requirements for the YES BANK PaisaSave Credit Card?
Does the YES BANK PaisaSave Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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