SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, lifetime free, and co-branded, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines accelerated rewards on UPI scan & pay spends and no annual fee.
Where value may drop
Rent and wallet loads don't earn rewards. The 3.4% forex markup is high for overseas use.
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 |
|---|---|---|
| UPI payments | Rs 5,000 | 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
2 Reward Points per INR 200 spent on UPI transactions above Rs 2,000 on UPI scan & pay spends, auto-credited with no points to manage.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you spend big on rent and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| UPI scan & pay spends | 2 Reward Points per INR 200 spent on UPI transactions above Rs 2,000 |
Redemption
Exclusions
Categories that earn no rewards on this card.
- Rental payments
- Wallet loading transactions
- Cash withdrawal / cash advance transactions
- UPI scan & pay transactions up to Rs 2,000
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Virtual RuPay accompaniment to the physical PaisaSave card
- 1% cashback on eligible UPI transactions above Rs 2,000
- Reward points redeem at 1 point = Rs 1 with no redemption fee
- Lifetime free card with nil joining and annual fee
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
Alternatives based on what you might want instead.
YES Bank Kiwi Credit Card
Best for upi, lifetime free, cashback.
YES BANK Klick RuPay Credit Card
Best for upi, virtual card, lifetime free.
Google Pay Flex Axis Bank Credit Card
Best for upi, google pay, cashback.