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Independent card analysis

YES BANK Paisabazaar PaisaSave RuPay Credit Card

YES BANK · RuPay · Entry card

A lifetime-free RuPay credit card for UPI with an above-average dining and travel rate, if you already bank with YES or hold a PaisaSave card.

Best suited to

Existing YES BANK PaisaSave cardholders who want a RuPay card for UPI plus better dining and travel rewards.

Authored and reviewed by GainFair
Terms checked 21 Sept 2026
Annual fee
Lifetime free
Joining fee
₹0
Base reward rate
1%
Forex markup
3.4%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Dining & delivery
6%
Travel & hotels
6%
Online shopping
1%
Groceries & essentials
1%
Bills & utilities
1%
Subscriptions & streaming
1%
Beauty & wellness
1%
Entertainment & movies
1%
Offline store shopping
1%
International spending
1%
Insurance premiums
1%
Education & family
1%
Healthcare & pharmacy
1%
Other miscellaneous
1%
Gold & jewellery
1%
Fuel & commute
0%
House rent
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
Not needed
Monthly income requirement
Approx. ₹20,000/month

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 3 items

  • Dining and travel reward points

    Usage-based value

    12 points per ₹200 applies to eligible dining and travel until the shared 3,000-point statement cap; subsequent eligible spend earns the base rate.

    Status: verifiedReviewed: 2026-09-21Official source ↗

  • Other eligible reward points

    Usage-based value

    2 points per ₹200 applies to other eligible transactions.

    Status: verifiedReviewed: 2026-09-21Official source ↗

  • 1% cashback-equivalent on eligible other spends

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Fees · 2 items

  • Lifetime-free annual fee

    Recorded value ₹-0

    No annual card fee is recorded under the currently reviewed terms.

    Status: verifiedReviewed: 2026-09-21Official source ↗

  • No joining or renewal fee

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Dining · 1 item

  • 6% cashback-equivalent reward rate on eligible dining and travel

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Fuel benefits · 1 item

  • 1% fuel surcharge waiver under the current issuer schedule

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    3.4% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-21Official source ↗
Eligibility and availability · 1 item

  • Restricted application availability

    Shown without a cash value

    Application availability: existing cardholder upgrade. No universal verified numeric income threshold is used as a hard filter. The RuPay companion is available only through the qualifying existing-cardholder journey; no universal income threshold is used.

    Conditions: Issuer relationship required

    Status: verifiedReviewed: 2026-09-21Official source ↗
Other benefits · 1 item

  • Virtual RuPay credit card eligible for merchant UPI payments, issued through the iris by YES app

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Other categories (11)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ 6% cashback-equivalent reward rate on eligible dining and travel
  • ✓ 1% cashback-equivalent on eligible other spends
  • ✓ Virtual RuPay credit card eligible for merchant UPI payments, issued through the iris by YES app
  • ✓ No joining or renewal fee

What to watch

Only available to existing PaisaSave cardholders as an upgrade path, not as a standalone new application.

Recorded exclusions

Fuel Commute · Rent · Wallet load

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology
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Compare against

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Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Rewards ↗Fees, Eligibility ↗

Sources checked 21 Sept 2026