Cashback Credit Card
Rs 1,000Annual fee
Rs 4,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Online Spends, Retail, Travel, Utility Bills
Top rewards
Online Spends Up To ₹5,000/Mo: 2% cashback; Online Spends ₹5,000-40,000/Mo: 5% cashback; Online Spends Above ₹40,000/Mo: 7% cashback
Paisabazaar PaisaSave Credit Card
Rs 499Annual fee
Rs 1,20,000Fee waiver spend
0Domestic lounge
3.4%Forex markup
Best for
Cashback, Travel, Dining, Co-Branded
Top rewards
Travel Spends: 12 Reward Points per INR 200 spent on Travel transactions; Dining Spends: 12 Reward Points per INR 200 spent on Dining transactions; Other Retail Spends: 2 Reward Points per INR 200 spent on other retail transactions
| Feature | Cashback Credit Card | Paisabazaar PaisaSave Credit Card |
|---|---|---|
| Issuer | Axis Bank | YES Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 1,000 | Rs 0 |
| Annual fee | Rs 1,000 | Rs 499 |
| Fee waiver spend | Rs 4,00,000 | Rs 1,20,000 |
| Reward type | Cashback | Cashback As YES Rewardz Points |
| Best for | Cashback, Online Spends, Retail, Travel, Utility Bills | Cashback, Travel, Dining, Co-Branded |
| Top reward categories | Online Spends Up To ₹5,000/Mo: 2% cashback; Online Spends ₹5,000-40,000/Mo: 5% cashback; Online Spends Above ₹40,000/Mo: 7% cashback | Travel Spends: 12 Reward Points per INR 200 spent on Travel transactions; Dining Spends: 12 Reward Points per INR 200 spent on Dining transactions; Other Retail Spends: 2 Reward Points per INR 200 spent on other retail transactions |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.4% |
| Milestone benefits | Annual fee waived on spends of ₹4 lakh or more in a card anniversary year | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Educational institution payments, Purchase of gold or jewellery | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions, Utility payments |