YES BANK Paisabazaar PaisaSave RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.4%Forex markup
Best for
upi, cashback, lifetime free, co-branded
Top rewards
UPI scan & pay spends: 2 Reward Points per INR 200 spent on UPI transactions above Rs 2,000
Google Pay Flex Axis Bank Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
upi, google pay, cashback, dining, lifetime free
Top rewards
UPI payments on Google Pay: 1 Star / Rs 500 spent (0.2% return rate); Other eligible retail spends: 1 Star / Rs 500 spent (0.2% return rate)
| Feature | YES BANK Paisabazaar PaisaSave RuPay Credit Card | Google Pay Flex Axis Bank Credit Card |
|---|---|---|
| Issuer | YES Bank | Axis Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | cashback as YES Rewardz points | stars |
| Best for | upi, cashback, lifetime free, co-branded | upi, google pay, cashback, dining, lifetime free |
| Top reward categories | UPI scan & pay spends: 2 Reward Points per INR 200 spent on UPI transactions above Rs 2,000 | UPI payments on Google Pay: 1 Star / Rs 500 spent (0.2% return rate); Other eligible retail spends: 1 Star / Rs 500 spent (0.2% return rate) |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.4% | 3.5% |
| Milestone benefits | Not listed | Unlock 2X stars in the current reward cycle by spending Rs 100 or more in the previous cycle, Unlock promotional 4X stars after spending more than Rs 15,000 in the current reward period, subject to Google Pay campaign terms, Unlock promotional 8X stars after spending more than Rs 30,000 in the current reward period, subject to Google Pay campaign terms |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, UPI scan & pay transactions up to Rs 2,000 | Rent payments, E-wallet loading transactions, Educational institution payments via third-party apps, Online skill-based gaming spends, Cash withdrawal and financial services transactions |