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YES BANK Paisabazaar PaisaSave Credit Card
Yes Bank • Visa

YES BANK Paisabazaar PaisaSave Credit Card

Apply for YES BANK Paisabazaar PaisaSave Credit Card at zero joining fee. Earn 6% cashback on travel & dining and unlimited 1% cashback on other spends.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • YES BANK Paisabazaar PaisaSave Credit Card should be treated as a value-seeking co-brand card designed for low-fee utility and selective reward capture.
  • The card's cashback model is most effective when usage stays aligned to its core categories: Lifetime Free, Travel, Dining.
  • Lounge upside is not part of this card’s practical value in current mapping, so returns should be judged mainly on spend economics.

Best Utilization

  • Use for controlled recurring spends and retain higher-yield categories on stronger dedicated cards.
  • Review monthly statements and re-route spend once marginal returns weaken outside the intended category lanes.
  • As a lifetime-free card, it works best as a focused specialist in a multi-card portfolio.

Watchouts

  • Savings-focused cards can look attractive upfront but need ongoing statement verification for effective yield.
  • No complimentary lounge access is currently mapped for this card.
  • Reward caps, partner exclusions, or MCC filtering can reduce realized yield versus headline marketing rates.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports12
  • Approval reports7

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Kiwi Yes Bank RuPay Credit Card

Annual fee: Free

Shared focus: Lifetime FreeHigher top earn rate (2.0%)Estimated +₹2,400/yr value
View Details

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no issuer lounge-row list is currently available for this co-branded variant.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for YES BANK Paisabazaar PaisaSave Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No issuer-published lounge spend unlock rule is listed for this co-branded variant.

Quarter / cycle rule

No quarter-based lounge policy is listed in current public card material.

Guest access

Guest lounge benefit is not listed for this card variant.

Priority Pass

Priority Pass is not listed for this card variant.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About YES BANK Paisabazaar PaisaSave Credit Card

YES BANK Paisabazaar PaisaSave Credit Card is a cashback card from Yes Bank, best for travel & lounge access. It is tagged under lifetime free, travel, dining categories in our database.

Lifetime FreeTravelDining

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Frequently asked questions

Is YES BANK Paisabazaar PaisaSave Credit Card lifetime free?

YES BANK Paisabazaar PaisaSave Credit Card is lifetime free with no annual fee.

What rewards does YES BANK Paisabazaar PaisaSave Credit Card offer?

Apply for YES BANK Paisabazaar PaisaSave Credit Card at zero joining fee. Earn 6% cashback on travel & dining and unlimited 1% cashback on other spends.

Does YES BANK Paisabazaar PaisaSave Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider YES BANK Paisabazaar PaisaSave Credit Card?

Travel & lounge access

Where can I apply for YES BANK Paisabazaar PaisaSave Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.