SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, dining, and co-branded, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on travel spends.
Where value may drop
The renewal fee is waived only on Rs 1.2 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback as YES Rewardz points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Cashback As YES Rewardz Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 2,880 |
| Travel (cab, train, etc.) | Rs 5,000 | 3,600 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
12 Reward Points per INR 200 spent on Travel transactions on travel spends, auto-credited with no points to manage.
Best for travel and redemptions
Earns cashback as YES Rewardz points you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Travel spends | 12 Reward Points per INR 200 spent on Travel transactions | 3,000 cashback as YES Rewardz points |
| Dining spends | 12 Reward Points per INR 200 spent on Dining transactions | 3,000 cashback as YES Rewardz points |
| Other retail spends | 2 Reward Points per INR 200 spent on other retail transactions | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rental payments
- Wallet loading transactions
- Cash withdrawal / cash advance transactions
- EMI transactions
- Utility payments
- Insurance premium payments
- Education fees / school fee payments
- Jewellery purchases
- Government services / tax payments
- Hospital and pharmacy spends
- Toll payments
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3,000 with monthly cap
Additional details
- 6% cashback is capped at Rs 3,000 per calendar month each for travel and dining spends.
- Renewal fee waiver is applicable on spending Rs 1,20,000 in a card anniversary year.
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to YES BANK and Paisabazaar approval criteria
Self-employed
- Eligibility is subject to YES BANK and Paisabazaar approval criteria
Compare before you decide
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