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HomeCredit cardsYES BankYES Bank Paisabazaar PaisaSave Credit Card
EntryVisa

YES Bank Paisabazaar PaisaSave Credit Card

4.0editor Editor score 74/100Best for flat cashback starter

3% cashback on online spends, 1.5% unlimited on everything else and a lifetime-free offer on ₹10,000 spends in 30 days.

  • 3% cashback on online spends (up to ₹1,000 a month)
  • 1.5% unlimited cashback on all other spends
  • Easy lifetime-free conversion
  • 1% fuel surcharge waiver
Updated 13 Nov 2026
YES Bank
•••• •••• •••• 4242
YES Bank Paisabazaar PaisaSave Credit Card
VISA

Key facts

Joining fee
₹499 + GST
Annual fee
₹499 + GST
Lifetime free on ₹10,000 spends in 30 days
Reward rate
3% online · 1.5% others
Welcome benefit
None

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SBI CardMID
YES Bank Paisabazaar PaisaSave Credit Card
Annual fee ₹499 + GST
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Strong base cashback
  • Effectively lifetime free
  • UPI enabled via RuPay variant

Watch out for

  • Monthly cap on online rate
  • No lounge access
  • Few partner offers

Our take

Why we rate it

An under-rated flat cashback card that becomes free with one month of normal spending.

Features & benefits in detail

Rewards
Online spends
3%
Other spends
1.5%
Fees
Fee waiver
₹10,000 spends in first 30 days

Eligibility

Minimum income
₹25,000 / month
Age
21 – 60 years
Credit score
700+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

YES Bank
YES Bank Paisabazaar PaisaSave Credit Card
Joining fee
₹499 + GST
Annual fee
₹499 + GST
Rewards
Up to 2.5%
Lounge
None
Forex
3.5%

Secure hand-off to YES Bank. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

•••• •••• •••• 4242
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Best for online shopping

Flat 5% cashback on all online spends with no merchant restrictions, auto-credited to your statement.

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₹999 + GST
Annual
₹999 + GST
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Up to 5%
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Annual
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Best for lifetime-free lounge access

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Joining
Free
Annual
Free
Rewards
Up to 2.5%
Lifetime free Lounge 16 / yr 1.99% forex Fuel waiver
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