YES Bank PaisaSave RuPay
Earn rewards and benefits with YES Bank PaisaSave RuPay.
Cashback Fit Score
95/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
1 – 6
Statement credit
Forex Markup
3.4%
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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
25/25
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
₹3,000
Monthly cap
₹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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Things to Keep in Mind
- EMI, utilities, insurance, fuel, rent, wallet loading, education, jewellery, government services, hospitals/pharmacies, tolls, cash advance, passenger railways, telecom and several automobile/professional-service MCCs.
Card Features
🎉 Zero Annual Fee — 100% Net Profit
YES Bank PaisaSave RuPay has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
YES Bank PaisaSave RuPay Eligibility
Employment type
Pros & Cons
- 6% cashback is strong for dining and travel spends
- 1% base cashback on a wide range of eligible purchases
- RuPay UPI support makes it useful for everyday UPI payments
- ₹1 = 1 Reward Point keeps redemption value simple
- Cashback can be converted to statement credit
- No reward redemption fee
- NIL joining fee and NIL renewal fee for the RuPay variant
- Fuel surcharge waiver adds some value for fuel transactions
- 6% cashback capped at ₹3,000 per statement cycle
- 6% applies only to eligible dining/travel MCCs
- Dining/travel payments through UPI do not earn the 6% rate
- Large number of cashback exclusions
- Utilities, insurance, rent and fuel do not earn regular cashback
- Jewellery, education and government spends are also excluded
- Existing YES Bank credit-card holders may not be eligible
- No meaningful premium travel benefits such as airport lounge access
Quick Links
Data last updated 13 Aug 2026
Calculate your exact earnings with YES Bank PaisaSave RuPay
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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