Yes Bank Klick Credit Card

Yes Bank Klick Credit Card is a rewards credit card from YES Bank. UPI and online returns are paid as direct cashback; non-UPI rewards are credited as Kiwis (1 Kiwi = ₹0.25….

Joining fee: ₹0
Annual fee: ₹0
Forex markup: 2.75%
Interest: 3.99% per month (47.88% annually) per YES Bank standard. The RuPay card family is sometimes cited at 3.80%…

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Rewards & cashback

UPI and online returns are paid as direct cashback; non-UPI rewards are credited as Kiwis (1 Kiwi = ₹0.25 cash-equivalent, redeemable as statement cashback)
User earns 1.5% cashback on UPI Scan & Pay via Kiwi
UPI Scan & Pay Cashback Rate: 1.5%
User earns 0.5% cashback on online payments
Online Cashback Rate: 0.5%
User earns 2 Kiwis per ₹200 on non-UPI spends
Non-UPI Cashback Rate: 0.25%
Base rewards are capped at 1% of the assigned credit limit per month, and rewards are counted in complete ₹100 blocks per transaction
An optional paid Kiwi Neon membership (₹999 + GST/year) raises UPI Scan & Pay to 2% and unlocks milestone cashback of 3% / 4% / 5% at ₹50,000 / ₹1 lakh / ₹1.5 lakh annual spends

More benefits & features

UPI-linked virtual RuPay card usable on PhonePe, Google Pay, BHIM, etc.; YES Bank instant discount offers on Amazon/Swiggy; full card management and spend controls via the Kiwi app

Fees & charges

Joining fee: ₹0 (lifetime free)
Annual fee: ₹0 (lifetime free). Optional Kiwi Neon membership is ₹999 + taxes/year
Foreign currency markup: 2.75%
Interest rate: 3.99% per month (47.88% annually) per YES Bank standard. The RuPay card family is sometimes cited at 3.80%…
Late payment: Nil for total outstanding up to ₹500; above ₹500, the lower of 10% of the statement balance or ₹1,350, capped at ₹1,500 per cycle (per MITC)
Cash advance: 2.5% of the amount (minimum ₹500 until 15 June 2026) per the MITC, plus finance charges from the withdrawal date
Other fees: ₹100 + GST per redemption. Fuel Surcharge: 1% surcharge, waived on fuel spends across all stations, capped at ₹250 per month

Pros and cons

What works well

UPI and online returns are paid as direct cashback; non-UPI rewards are credited as Kiwis (1 Kiwi = ₹0.25 cash-equivalent, redeemable as statement cashback)
User earns 1.5% cashback on UPI Scan & Pay via Kiwi
UPI Scan & Pay Cashback Rate: 1.5%
User earns 0.5% cashback on online payments
Online Cashback Rate: 0.5%
User earns 2 Kiwis per ₹200 on non-UPI spends

Worth knowing

Low general cashback rate
Limited value add features

Who can apply

Age: Between 21 and 60 years
Employment Type: Salaried or self-employed
Income Requirement: Not specified

How to apply

Online:
Visit Yes Bank website
Fill out the online application form with the correct details
Upload the required documents when prompted
Submit the application and track its status online Bank Branch:
Visit the Yes Bank branch nearest to you
Meet a customer service representative and express your interest of availing the credit card
Provide them with your KYC documents and fill out the application form
Submit the application and inquire about further processing steps

Details come from information published by YES Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.