# YES BANK Paisabazaar PaisaSave

YES Bank · Mastercard. ₹499 fee · 3.5% forex · 1% (2 RP/₹200) uncapped · RuPay-UPI earns 1% only on txns above ₹2,000 · ₹100+GST redemption fee per request.

verified · checked 10 July 2026 · Source: https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/paisabazaar-credit-card

## How it earns (2)

- 1% (2 RP/₹200) uncapped · RuPay-UPI earns 1% only on txns above ₹2,000 · ₹100+GST redemption fee per request · verified · checked 10 July 2026
- 6% on dining and travel (12 RP/₹200 at ₹1/RP), one shared cap of ₹3,000/calendar month, then 1% base · UPI dining/travel excluded from the 6% · cap 3,000 points per month · verified · checked 10 July 2026

## On gift vouchers

- ₹100 back on a ₹10,000 voucher bought direct. · 1% (2 RP/₹200) uncapped · RuPay-UPI earns 1% only on txns above ₹2,000 · ₹100+GST redemption fee per request
- Vouchers for Croma, ACT Fibernet, Bharat Petroleum (BPCL), Acko Insurance and 54 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads · brand gift cards are not addressed by the issuer
- No RP: rent, utilities, education, insurance, wallet, toll, govt, fuel, hospitals/pharma, telecom, electronics stores, jewellery, professional services, auto dealers

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹1,20,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1%
- Earns: YES PaisaSave Reward Points · ₹1 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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