Yes Bank
Yes Bank Paisabazaar PaisaSave Credit Card
This is an invite only card
Top Benefits
Earn 6% Cashback on Your Dining Spends
Restaurants, bars and fast-food outlets earn you 12 reward points for every ₹200 spent, capped at 3,000 points a statement cycle
Earn 6% Cashback on Flights, Hotels and Travel
Airline tickets, hotel stays, airport spends and travel-agency bookings earn you 12 reward points for every ₹200 spent
Best For
Shopping
Dining
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 6% cashback on dining and travel spends, credited as 12 reward points per ₹200 spent and capped at 3,000 points per statement cycle
- 1% cashback on all other eligible spends, credited as 2 reward points per ₹200 spent
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Flight & Hotel Bookings
- Merchandise & Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Insurance
Wallet Load
EMI
Government Services
Education
Jewellery
Cash Advance
Utility Bills
telecom
Hospitals
Automotive Dealers
Service Shop
Advertising
Consulting
For Spends Waiver
Fuel
Rent
Insurance
Wallet Load
EMI
Government Services
Education
Jewellery
Cash Advance
Utility Bills
telecom
Hospitals
Automotive Dealers
Service Shop
Advertising
Consulting
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.99% per month 47.88% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.99% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹650, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
cheque Payment Fees A fee of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹450 |
Cash Payment Fees A fee of ₹500 is charged for making credit card bill payments in cash at the branch | ₹500 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1350 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 6% Cashback on Your Dining Spends
Restaurants, bars and fast-food outlets earn you 12 reward points for every ₹200 spent, capped at 3,000 points a statement cycle
Earn 6% Cashback on Flights, Hotels and Travel
Airline tickets, hotel stays, airport spends and travel-agency bookings earn you 12 reward points for every ₹200 spent
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