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The craze for credit cards is growing significantly across the country. From dining to fuel, credit cards catering to every category are now easily available in the market. However, we often make the mistake of misjudging which credit card is truly best for us—one that avoids unnecessary extra costs and keeps us out of any hassles. So, if you are a credit card user yourself and are currently on the lookout for a good card that offers cashback, then this article is just for you.

We will tell you about two specific credit cards that can help you earn substantial cashback. We will be discussing the YES BANK PaisaSave Credit Card and the Cashback SBI Card—both of which have been designed specifically with cashback benefits in mind.

**What is the Joining Fee?**
The fee one must pay to acquire any credit card is known as the joining fee. When it comes to the YES BANK PaisaSave Credit Card, there are absolutely no fees involved; this card charges neither a joining fee nor an annual fee. However, if you opt for the Cashback SBI Card, you will be required to pay ₹999 as a joining fee, along with an additional ₹999 for the annual renewal of the card.

**Which Card is Best for Whom?**
Every credit card comes with its own unique set of features. While the YES BANK PaisaSave Credit Card might be the ideal choice for frequent travelers and those who enjoy dining out, the Cashback SBI Card is a better option for individuals focused on online shopping and maximizing cashback rewards. However, with the latter, you will not receive any specific benefits related to travel or dining.

**Which Card Offers What Benefits?**
In terms of the redemption ratio, both cards are on equal footing. Whether it is the YES BANK card or the SBI card, the value of a single reward point on either card is ₹1. Furthermore, the rewards earned on both cards can be redeemed for cash. The YES BANK card offers you 6% cashback on travel and dining expenses, whereas the Cashback SBI Card can provide you with cashback of up to 5%.

**What Are the Downsides?** The YES Bank credit card offers cashback only up to a specific monthly limit, while UPI transactions under ₹2,000 do not yield any form of value-back. As for the Cashback SBI Card, it too comes with a limited monthly cap and does not offer any welcome bonus facility.

Which Card Should You Choose?
If you are looking for a card that carries no annual fee and you travel frequently, the YES Bank PaisaSave Credit Card would be an excellent choice for you. On the other hand, if you engage in extensive online shopping, you might opt ​​for the Cashback SBI Card, as it provides cashback on purchases made with any merchant.

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.