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 (tiered up to 7%): 7% cashback on online spends (2% under Rs 5k, 5% up to Rs 40k, 7% above Rs 40k); Offline retail spends: 0.75% cashback on offline spends; Travel spends (online and offline): 0.75% cashback on travel spends
YES BANK 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 | YES BANK 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 (tiered up to 7%): 7% cashback on online spends (2% under Rs 5k, 5% up to Rs 40k, 7% above Rs 40k); Offline retail spends: 0.75% cashback on offline spends; Travel spends (online and offline): 0.75% cashback on travel spends | 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 Rs 4 lakh or more in a card anniversary year | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 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 |