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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 12/16 categories
YES Bank · RuPay

YES BANK Paisabazaar PaisaSave Credit Card

Best forDining & Food Delivery
Earns6.0 CASHBACK on dining
1st Year / Joining Fee
₹0
Renewal Fee
₹499 + taxes
Fee waiver
₹1,20,000
annual spend
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on dining and food delivery, where it earns 6.0 CASHBACK
  • Annual fee is waived at ₹1,20,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Dining6.0 CASHBACK
Food Delivery6.0 CASHBACK
Travel6.0 CASHBACK
Groceries1.0 CASHBACK
Shopping1.0 CASHBACK
All 16 reward categories · 12 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rent transactions are strictly excluded from reward accrual per YES Bank terms.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
Education transactions excluded from cashback per PaisaSave terms.
InsuranceNo reward——
Details
Status
Verified — no reward
Issuer note
Insurance transactions excluded from cashback per PaisaSave terms.
UtilitiesNo reward——
Details
Status
Verified — no reward
Issuer note
Utilities transactions excluded from cashback per PaisaSave terms.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel purchases strictly excluded from reward points/cashback earning.
Groceries1.0 CASHBACK—1% base cashback on retail transactions and RuPay UPI
Details
Status
Verified
Source
YES-SRC-003
Issuer note
1% base cashback on retail transactions and RuPay UPI.
Dining6.0 CASHBACK₹3,000 per month6% cashback on Dining & Travel capped at ₹3,000/month shared bucket (12 RP/₹200 where 1 RP = ₹1)
Details
Status
Verified
Source
YES-SRC-003
Issuer note
6% cashback on Dining & Travel capped at ₹3,000/month shared bucket (12 RP/₹200 where 1 RP = ₹1).
Food Delivery6.0 CASHBACK₹3,000 per month6% cashback on Dining & Travel capped at ₹3,000/month shared bucket (12 RP/₹200 where 1 RP = ₹1)
Details
Status
Verified
Source
YES-SRC-003
Issuer note
6% cashback on Dining & Travel capped at ₹3,000/month shared bucket (12 RP/₹200 where 1 RP = ₹1).
Shopping1.0 CASHBACK—1% base cashback on retail transactions and RuPay UPI
Details
Status
Verified
Source
YES-SRC-003
Issuer note
1% base cashback on retail transactions and RuPay UPI.
Travel6.0 CASHBACK₹3,000 per month6% cashback on Dining & Travel capped at ₹3,000/month shared bucket (12 RP/₹200 where 1 RP = ₹1)
Details
Status
Verified
Source
YES-SRC-003
Issuer note
6% cashback on Dining & Travel capped at ₹3,000/month shared bucket (12 RP/₹200 where 1 RP = ₹1).
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Government transactions are strictly excluded from reward accrual per YES Bank terms.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet transactions are strictly excluded from reward accrual per YES Bank terms.
Railways——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
FASTag——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Telecom——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Renewal Fee
₹499 + taxes
Fee waiver
₹1,20,000
annual spend
Reward caps
  • Dining — ₹3,000 / month (shared cap — Dining)

Key benefits

Rewards
6.0 CASHBACK on dining
Fee waiver
Annual fee waived on ₹1,20,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Dining rewards are capped at ₹3,000 / month (shared cap — Dining)
  • No reward on: Rent, Education, Insurance, Utilities +3 more
  • Research pending: Railways, FASTag, Jewellery, Telecom — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in dining, food delivery, travel
  • You can reach the ₹1,20,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, insurance, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 7 no-reward categories
Caps
  • Dining — ₹3,000 / month (shared cap — Dining)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Insurance — No reward.
  • Utilities — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to YES Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 7 areas

7 areas need further verification. None of these are counted as zero.

  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: 12 of 16 categories verified · 4 still being verified

Card record last checked: 2026-09-27

Documents used
YES BANK Paisabazaar PaisaSave Credit Card Product Terms · YES-SRC-003 · 2026-09-27
YES BANK Credit Card - Most Important Terms and Conditions (MITC) · YES-MITC-2026 · 2026-10-10
YES BANK Paisabazaar PaisaSave Credit Card₹0 1st year