Yes BankYES Bank PaisaSave RuPay
Earn rewards and benefits with YES Bank PaisaSave RuPay.
Top Category Performance
Cashback (95/100)
Joining Fee
Free
Annual Fee
₹499
Reward Rate (%)
1 – 6
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
22/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
YES Bank PaisaSave RuPay Benefits
YES Bank PaisaSave RuPay Rewards
How you earn back on every swipe
cashback
Reward type
1% – 6%
Earn rate
₹1
Per point
₹3,000
Monthly cap
YES Bank PaisaSave RuPay Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- existing YES Bank credit cardholders generally not eligible
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹10,000/mo (₹1,20,000/yr), your ₹499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
YES Bank PaisaSave RuPay Eligibility
Employment type
Pros & Cons
- 6% accelerated cashback on dining and travel
- 1% unlimited cashback on other spends
- UPI-enabled RuPay card
- fuel surcharge waiver
- low joining fee and spend-based renewal waiver
- monthly cashback cap on accelerated spends
- renewal fee applies unless waived
- existing YES Bank cardholders generally not eligible
Quick Links
Data last updated 13 Aug 2026
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More from Yes Bank
Calculate your exact earnings with YES Bank PaisaSave RuPay
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.