The monsoon season is in full swing across the country, and the festive season is just around the corner. Naturally, many people will be shopping, dining out, or planning outings with friends and family. These activities can take a toll on your wallet, but there is no need to worry.

Today, we will tell you about a credit card that requires no joining fee. Additionally, this card offers substantial cashback on travel and dining expenses. So, let’s find out which card this is and what benefits it offers.

What is the name of this card?
This special card is called the Yes Bank Paisa Save RuPay Credit Card. There is no joining fee to acquire this card, which has been designed specifically to offer cashback. While the annual fee is ₹499, it is waived if you spend ₹1.2 lakh using the card within a year. One of the best features of this card is that it is available to individuals with a monthly salary of ₹25,000.

What are the benefits of this card?
The standout feature of this card is its cashback offering. It provides 6% cashback on travel and dining expenses. It also offers 1% cashback on UPI payments of ₹200 or more, provided the transaction amount is at least ₹2,000. The cashback is awarded in the form of reward points, where 1 reward point is equivalent to ₹1. There is a monthly cap of ₹3,000 on the cashback earned per card.

Where are the offers available?
During the festive season, this card offers benefits at various places. For instance, you can get a discount of ₹100 on orders of ₹1,250 or more at Zepto on Fridays, Saturdays, and Sundays—an offer valid until September 27, 2026. Meanwhile, Goibibo is offering a 20% discount on flight, hotel, and bus bookings (this offer is valid until September 24, 2026). Additionally, attractive offers are available on platforms such as Paytm, District, MakeMyTrip, and Swiggy.

What are the downsides of this card?
Just as everything has its pros and cons, this card comes with a few drawbacks alongside its benefits:

Capping on accelerated value-back
No complimentary airport lounge access
3.50% forex mark-up fee
No value-back on UPI transactions below ₹2,000

Who should get this card?
If you are looking for a card with no annual fee and you travel frequently, the Yes Bank PaisaSave Credit Card would be a great choice for you. However, if you are seeking a credit card that offers benefits like fuel discounts and lounge access, you might want to consider other options.

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