Yes Bank Paisabazaar PaisaSave credit card
Yes Bank× PaisabazaarRuPay · UPICashback

Paisabazaar PaisaSave credit card

3% cashback online, 1.5% offline and on UPI, on a RuPay card.

51
Personal score51/100● Good fit
Recurring net savings₹7,182/yrafter fee, GST and caps · bills paid in full
First-year value₹6,593no welcome offer, ₹589 joining fee
Effective savings rate1.9%on ₹3,87,600 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹1,20,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: Yes Bank – Paisabazaar PaisaSave product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹4,536/yr3% on online spends (cap ₹1,000/mo)
Waived₹589 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹7,182/yr · 1.9%
3% on online spends (cap ₹1,000/mo)on ₹1,51,200₹4,536
Base rate 1.5% on other spendson ₹91,440₹1,372
1.5% on UPI (cap ₹500/mo)on ₹60,960₹914
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360
How ₹7,182/yr is calculated
Paisabazaar PaisaSave
+ Reward value on your spendat ₹1/Cashback realistic value
₹6,822
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹589 at ₹1,20,000 spend
₹0
= Recurring net savings
₹7,182/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,87,600
= Effective savings rate
1.9%

How the score of 51 is built

weights total 100% · methodology
Net savings rate38/100 × 55%20.7
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn1.5%value on eligible spend
⚡ Accelerated3% 3% on online spends 1.5% on UPI (cap ₹500/mo)
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹1,20,000 spend · joining ₹499
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Credited to statement.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Cashback on UPI
  • 3% online
  • Cheap
  • Low caps
  • No lounge
  • Bills excluded

Community Q&A on the Paisabazaar PaisaSave

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Yes Bank Paisabazaar PaisaSave?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹1,20,000 in the card year.

Does the Paisabazaar PaisaSave give airport lounge access?

No lounge access. None.

How much can I save with the Paisabazaar PaisaSave?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹7,182 a year, an effective savings rate of 1.9% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Paisabazaar PaisaSave's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 3% on online spends (cap ₹1,000/mo): capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Paisabazaar PaisaSave lounge access by airport · all Yes Bank cards · change log.