Paisabazaar PaisaSave RuPay Credit Card
YES BANK
Free
Joining fee
Free
Annual fee
Rs 499 annual fee waived on minimum Rs 1.2 lakh spend during the previous year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed; minimum Rs 25,000/month net salary OR Rs 7.5 lakh ITR.
Lounge access
0 domestic / 0 international visits per year
Reward details
1% cashback on all other spends, unlimited (including UPI transactions above Rs 2,000)
- 6% cashback (also described as 12 reward points per Rs 200) on Dining (Swiggy, Zomato, Dineout, restaurants) and Travel (MMT, EaseMyTrip, Cleartrip, airlines, hotels) — Rs 3,000/month
Redemption
1 reward point = Rs 1 as statement credit via YES Rewardz platform, zero redemption fee
Ratio: 1:1
Excluded from rewards: rent, utilities, education, insurance, EMI, wallet loading, cash advance, fuel, hospitals, medical stores, telecom equipment, jewelry, 30+ other listed categories, UPI transactions below Rs 2,000 (no value-back)
- Virtual RuPay card complimentary with the Mastercard variant
- Instant EMI on purchases Rs 1,500+
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Good cashback rate on dining and travel with no merchant restrictions within those categories; easily attainable fee waiver — Paisabazaar
Complaints
- Monthly Rs 3,000 cap limits value for high spenders; no value-back on UPI below Rs 2,000 — Paisabazaar
Sources
- Aggregator — fees, eligibility, rewards, sentiment