Yes Bank Paisabazaar PaisaSave Credit Card: Benefits & Apply

Summary

In short, the Yes Bank Paisabazaar PaisaSave Credit Card is a clever and cheap way for anyone who wants to use a credit card without paying a lot of fees. There are no fees to join or to stay a member, so it’s great for people who are just starting or who are good with their money and want to save money while earning incentives. Also, the card gives you real cash back instead of complicated reward points, which makes it easier to use in real life.

The card gives you more than simply cash back. It also includes useful features like no gas fees, restaurant savings, and easy EMI options that make it easier and cheaper to spend money. You can also pay with the card without touching it, which makes shopping faster and safer. These features are all quite useful, especially for people who want a credit card that is easy to use and offers real-world benefits.

Another great thing about Paisabazaar is that it’s quite easy to apply online. You don’t have to fill out long documents or go to the bank. Online, everything is simple and quick. Using the card correctly and making your payments on time can also help you improve your credit score. This will help you get loans in the future.

Introduction

More and more people are using credit cards. With credit cards, we can buy products online, pay our bills, and book tickets without having to carry cash. But it’s really important to get the right credit card. A solid credit card not only helps you make smart decisions, but it also gives you points for every purchase you make. You should get the Yes Bank Paisabazaar PaisaSave Credit Card.

This credit card is first and foremost for people who wish to save money when they purchase. Yes Bank and Paisabazaar, two of India’s major financial markets, teamed up to manufacture this credit card with their names on it. You can trust Yes Bank’s services, and you can get good deals and information from Paisabazaar. This card is great for everyone, whether you travel a lot, shop online a lot, or just use it to pay bills. It helps you save money, get incentives, and be flexible.

The PaisaSave Credit Card is a great choice for people who are getting their first credit card because there are no membership or yearly fees. A lot of people don’t want to get a credit card since the fees are high and the rewards programs are hard to understand. But this card is not like the others. It makes things easier and gives you real cash back and benefits that are easy to understand and use. You get cash back right away instead of points that you have to swap later, for instance.

The card also has amazing welcome incentives, no fuel surcharges, flexible EMI options, and discounts on meals, making it a great offer. You can save money every time you fill up your car, eat at your favorite restaurant, or buy something major online using this card.

What is the Yes Bank Paisabazaar PaisaSave Credit Card?

Yes Bank and Paisabazaar, a well-known site for comparing financial products, have teamed up to develop the Yes Bank Paisabazaar PaisaSave Credit Card. The purpose of this card is to help people save money on things like clothes, food, trips, and bills. The best aspect is that you don’t have to pay anything to join, and there are no yearly fees. This is a wonderful choice for people who are just starting to use credit cards.

With this card, you can get actual cash back, discounts, and other benefits on things you buy every day. Other credit cards merely give you points, but the PaisaSave Credit Card gives you cash back right away. You can also get free gas, savings at restaurants, and the ability to pay for big purchases in installments.

How is the design of the Yes Bank Paisabazaar PaisaSave Credit Card?

The Yes Bank Paisabazaar PaisaSave Credit Card looks simple, sleek, and professional. It seems clean and modern at first glance, which fits with Yes Bank’s trust and Paisabazaar’s smart money management style. The card usually has a dark background with bright highlights. This makes it feel like a high-end card, even if it’s free for life.

The front of the product also has the logos of Yes Bank and Paisabazaar, which indicates how successfully these two companies operate together. The card carries the cardholder’s name, a chip for security, and a symbol for contactless payment. This makes it easy to touch and pay at stores.

What are the benefits of the Yes Bank Paisabazaar PaisaSave Credit Card?

In short, these are the primary perks of this credit card:

1. Joining and paying every year are both free.

• You don’t have to spend anything to acquire the card.

• You can use it for free for the rest of your life because there are no annual charges.

2. You get actual money back when you buy things.

• When you use your card, you get real money back, not just points.

• Cashback is simple to use and comprehend because it goes directly into your account.

3. New clients get bonuses

• When you join, you might get special welcome gifts or coupons following your first purchase, depending on what deals are going on at the moment.

4. No extra fee for gas

• At some petrol stations in India, you don’t have to pay the extra fee for gas.

• This means that every time you use this card to fill up, you save even more money.

5. Lower prices on food and housing

• You may save money by going out to eat, shopping, and seeing movies.

• Yes Bank frequently has great bargains on food, vacations, and other things.

6. Easy EMI Choice

• You may pay for big goods in small amounts every month.

• This makes it easy to deal with hefty payments without getting freaked out.

7. Payments that don’t have to be made in person

• You can pay by tapping the card, which is quicker and safer.

• You don’t have to swipe or type in a PIN for little amounts.

What are the fees for the Yes Bank Paisabazaar PaisaSave Credit Card?

Here is a simple breakdown of the  Yes Bank Paisabazaar PaisaSave Credit Card fee.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank Paisabazaar PaisaSave Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Yes Bank Paisabazaar PaisaSave Credit Card?

The documents that you will have to submit to get the Yes Bank Paisabazaar PaisaSave Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank Paisabazaar PaisaSave Credit Card be used?

Here is the list of places where you can use it:

• With the Yes Bank Paisabazaar PaisaSave Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Yes Bank Paisabazaar PaisaSave Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The Yes Bank Paisabazaar PaisaSave Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank Paisabazaar PaisaSave Credit Card?

The credit amount you can spend is what you are provided with when you have a Yes Bank Paisabazaar PaisaSave Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the Yes Bank Paisabazaar PaisaSave Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Yes Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank Paisabazaar PaisaSave Credit Card.

• Simply hover your cursor over the Yes Bank Paisabazaar PaisaSave Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can request additional documents or information if necessary.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Yes Bank branch to apply for the Yes Bank Paisabazaar PaisaSave Credit Card.

• Request the credit card application form for the  Yes Bank Paisabazaar PaisaSave Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Yes Bank Paisabazaar PaisaSave Credit Card by post at the same postal address.

• Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Yes Bank Paisabazaar PaisaSave Credit Card in 2025 be the right choice?

Obtaining the Yes Bank Paisabazaar PaisaSave Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

The Yes Bank Paisabazaar PaisaSave Credit Card is for people who want to use a credit card but don’t want to pay any fees to sign up or every year. This card is perfect for folks who are new to credit cards or just want a simple, free one that gives them a lot of points and cash. This card is designed to make spending more fun by giving you genuine cash back, getting rid of fuel surcharges, giving you discounts at restaurants, and making it easy to pay off your balance.

It is also quite easy to apply for the card online; you don’t have to fill out any forms or go to a bank. You can apply online using the Paisabazaar site and get quick approval, which is great in today’s fast-paced world. The card looks great because it has a sleek, modern design. You could be happy to have it in your wallet.

Also, remember that using this card a lot and paying your bills on time could help your credit score go up. If you have a strong credit score, it will be easier for you to get a home loan, a personal loan, or a car loan in the future. This card lets you save money today and get ready for more ways to create money in the future.

Frequently Asked Questions (FAQ’s)