YES PaisaSave
KeepSix percent on dining and travel, and a ₹36,000 wall at the end of it.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹5,000 a month
At ₹5,000 a month — ₹60,000 a year — on the everyday mix this card returns ₹600 gross (earn ₹600) against its ₹499 fee = ₹100 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #320
Why #320 Six percent on dining and travel is a top-flight earning rate and it ends at ₹36,000 a year. It ends there in the other sense too: no transfer partner, no lounge quota, nothing that converts into a ticket. Ranked on rupees returned it would sit inside the top hundred; ranked on what your points can fly you, it sits here.
The take
Paisabazaar's aggregator card is the rare Indian co-brand whose headline number is worth reading twice: 12 reward points per ₹200 on dining and travel, which YES prices at ₹1 a point and calls 6% cashback, redeemable straight against your statement with no redemption fee. Everything else earns 1%. On restaurant bills, airline tickets, online travel agents and hotels that is the best flat rate any ₹499 card in India will give you, and the MCC list is published rather than hinted at. Then read footnote (d). Rewards cap at 3,000 points a statement cycle — ₹3,000 a month, ₹36,000 a year, across the whole card. Hit ₹50,000 of dining and travel in a month and you are done earning at 6% for that cycle. Read footnote (c) as well, because the exclusion list is one of the longest on this board: utilities, insurance, fuel, rent, wallet loads, education, jewellery, government, hospitals, pharmacies, tolls and railways all pay nothing. What is left is a genuinely good card for a household that eats out and flies, and an ordinary 1% card for everybody else. The ₹499 renewal waives at ₹1.2 lakh of retail spend and there is no joining fee at all, so the entry cost is zero either way.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹499/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹499/yr
The waiver ₹1,20,000 of spend in the year before renewal — about ₹10,000 a month — and the renewal fee is not charged.
Break-even ₹5,000 a month — ₹60,000 a year — is where this card's value crosses its fee.
At your spend
₹3,000 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹12,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹36,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹60,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
YES Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 15 Jun 2026 YES's ₹100 redemption fee reaches Marquee and Reserv issuer-wide
- 15 Jun 2026 YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step issuer-wide
- 1 Apr 2025 YES lounge gate triples to ₹1 lakh on Marquee and Reserv issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 6% back on dining and travel — 12 reward points per ₹200, and YES prices a point at ₹1
- Nil joining fee; the ₹499 renewal waives at ₹1,20,000 of retail spend in the anniversary year
- Points redeem as statement credit on YESRewardz with no redemption charge
- 1% flat on everything not excluded
Watch out
- Rewards cap at 3,000 points a statement cycle — ₹36,000 a year is the most this card can pay
- Utility, insurance, fuel, rent, wallet loads, education, jewellery, government, hospital, pharmacy, toll and railway spend earns nothing
- Utility points are capped again at 150 a statement cycle under the MITC's own table
- Foreign currency markup is 3.50% since 15-Jun-2026, plus 1% dynamic currency conversion — at the Indian norm, not below it
- No lounge access: this card is absent from the MITC's domestic lounge threshold table
- Before 15-Dec-2025 the card paid 3% online and 1.5% offline — second-hand writeups still quote the old grid
What these points actually fly
No live transfer route takes Statement cashback (₹) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,20,000 a year is the bar that waives the ₹499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. YES Bank states what the YES PaisaSave earns, but has not published which spend categories count toward the fee waiver — the ₹1,20,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
YES Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official YES Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
A two-figure card, which is why the file carries a joining fee of its own: NIL to take it, ₹499 + GST to renew, and the renewal is waived only at ₹1,20,000 of spend in the 12 months before the anniversary. It shares that shape with Anq Phi, the row it is printed beside. Two waivers come with it — the ₹100 + GST redemption fee, which the MITC waives for Paisabazaar Paisasave by name alongside YES Private, and nothing else; the forex markup went the other way on 15-Jun-2026, 3.40% to 3.50%. Utility spends attract 1% + GST past ₹25,000 in the previous calendar month. Absent from the domestic-lounge threshold table.
per the official YES Bank MITC · reviewed 10 Jul 2026
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Jun 2026YES's ₹100 redemption fee reaches Marquee and ReservMarquee and Reserv exempt from the ₹100-per-redemption fee; card reissuance ₹100–₹200 by variant → ₹100 fee on every redemption request, premium cards included, plus a ₹99 booking fee on YES Rewardz flights; reissuance ₹199; fuel-surcharge waiver window revised
The exemption that let Marquee and Reserv holders pretend the ₹100 redemption fee was someone else's problem is gone. From 15 June 2026 every YES card pays ₹100 per redemption request, and booking a flight through YES Rewardz — the only place the points are worth their ₹0.25 — stacks a ₹99 booking fee on top. On a card whose whole pitch is settling 4.5% online earnings in portal travel, YES now charges you twice at the exit.
- 15 Jun 2026YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step
- 15 Jun 2026Reserv's forex markup goes 1.75% to 2%
- 1 Apr 2025YES lounge gate triples to ₹1 lakh on Marquee and Reserv
- 1 Apr 2025Government and ad spends stop earning on 13 YES cards
- 1 Dec 2024YES caps travel redemptions at 70% of the invoice
- 15 Dec 2023YES returns to super-premium with the Marquee
Every YES Bank change we've dated → 7 events since 2023, 6 of them nerfs — worst year 2026.
Verified against YES Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Product page — 12 reward points per ₹200 on dining and travel (6%), 2 per ₹200 elsewhere (1%), 1 RP = ₹1, rewards capped at 3,000 a statement cycle, nil joining and ₹499 renewal waived at ₹1,20,000
- official MITC (CMITC_V18_07082026) — Paisabazaar Paisasave at NIL joining / ₹499 annual with a ₹1,20,000 waiver; forex 3.50% from 15-Jun-2026; utility points capped at 150 a cycle