CashbackEntryRuPay✦ Paisabazaar

YES Bank Paisabazaar PaisaSave RuPay Credit Card

Existing customers only

This card is not open to new applicants. It is offered only to customers who already hold the YES Bank Paisabazaar PaisaSave Credit Card, who can request it in the iris by YES app.

Virtual RuPay companion for PaisaSave cardholders

Annual feeLifetime Free

Rewards1%Cashback

Forex markup3.4%3.40% on foreign currency conversion

Rewards

Base earn rate

Cashback paid as reward points: 12 points per ₹200 on dining and travel (6%) and 2 points per ₹200 on other spends (1%).

YES Rewardz

Fees & charges

Joining fee: Nil
Annual / renewal fee: Lifetime free
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: Not applicable — the MITC lists no cash advance facility on this card.
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: 3.40% on foreign currency conversion
DCC markup: 1%
Reward redemption: ₹0 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate card: ₹100

Late payment

Outstanding amount	Late fee
₹0 – ₹500	₹0
Above ₹501	Above ₹500 — 10% of the statement balance, capped at ₹1,350

View official MITC →

Eligibility

Available only to customers who already hold the YES Bank Paisabazaar PaisaSave Credit Card, applied for through the iris by YES mobile app. The card is virtual — no plastic is issued.