YES BANK Paisabazaar PaisaSave Credit Card
Unlock 6% cashback on travel and dining, 1% on all else, with zero joining fee and a modest annual fee. Enjoy simple rewards and convenient UPI benefits.
YES BANK Paisabazaar PaisaSave Credit Card Overview
The YES BANK Paisabazaar PaisaSave Credit Card stands out for its high rewards and complete digital application process. With a joining fee of ₹0 and an annual fee of just ₹499, this card is an appealing option for new credit users looking for easy savings. While the credit limit may vary based on eligibility, applicants generally get competitive limits suitable for everyday spends. The interest rate is standard as per YES BANK cards, offering transparent disclosure during onboarding.
The card’s main attraction lies in its value-packed rewards: 6% cashback on all dining and travel spends, 1% cashback across all other categories including UPI payments, and renewal fee waived on annual spends of ₹1.2 lakh or more. It’s built especially for those who want straightforward rewards without restrictions.
How to Apply: Step-by-Step
To apply for the YES BANK Paisabazaar PaisaSave Credit Card, simply:
- Visit the Paisabazaar website or use their mobile app.
- Complete the digital application form, providing your PAN and contact details.
- Submit supporting documents, such as proof of identity, address, and income.
- Check your eligibility instantly as per your credit profile.
- Receive approval decision quickly, with issuance and shipment upon success.
Pros of YES BANK Paisabazaar PaisaSave Credit Card
This card’s biggest benefit is the generous 6% cashback on both travel and dining—categories where urban consumers tend to spend often. There are no merchant restrictions, making this reward highly accessible.
Another major strength is the unlimited 1% cashback on everything else, including even UPI transactions. This covers a wide array of purchases, so you’re constantly earning with every swipe or tap, offline and online.
Cons to Consider
The 6% cashback rate has a cap—₹3,000 per month, which may restrict very high spenders from maximizing their returns on travel and dining. Those with larger monthly expenses may prefer cards without limits.
Being an entry-level card, premium features like international lounge access and elevated benefits are not included. If you seek global travel perks, more premium options may better suit your needs.
Our Verdict
YES BANK Paisabazaar PaisaSave Credit Card is a stellar choice for anyone seeking solid cashback and ease of application, with an emphasis on travel and dining rewards. Its zero joining fee and digital process make it ideal for new users or those who want simple, transparent savings on daily spends. It’s especially attractive for those whose major expenses fall under dining or travel, and who value the flexibility of earning cashback on UPI payments. This card blends convenience and value for money, making it one of the most competitive options in its segment.
