Yes Bank Klick RuPay Credit Card Review

Virtual RuPay credit card issued via Kiwi app with up to 5% cashback on UPI spends. No joining or annual fee. Best for digital UPI users.

31May

Yes Bank Klick RuPay Credit Card Review

By CreditFolio Team Yes Bank 0 Comments 764

General Information

Our Rating

8.4/10

Joining Fee

₹Nil

Annual Fee

₹Nil

Best For

UPI Spends, Lounge Access

Rewards and Benefits

Reward Type

Cashback, Reward Points

Welcome Offers

Based on spend milestones with Kiwi Neon

Entertainment & Dining

Shopping Perks

Yes

Travel Benefits

Limited

Fuel Rewards

Lifestyle Benefits

Points Earned

2 RP per ₹200 spent, up to 5% cashback on UPI (with Kiwi Neon)

Points Rate

1.5–5% on UPI, 2 RP/₹200 on other spends

Domestic Lounge Access

Up to 3 domestic lounge accesses per year (milestone-based)

International Lounge Access

Golf Benefits

Insurance Coverage

Fees and Charges

Spend Waiver

₹50K–₹1.5L annual spend needed for higher cashback/lounges

Redemption Fee

Redeemable at 500 Kiwis minimum, ₹0 fee

Forex Markup

3.5%

Interest Rate

3.8% per month (45.6% p.a.)

Fuel Surcharge Waiver

1% waiver across all fuel stations

Cash Advance Fee

3% or ₹300 (whichever is higher)

Summary

100% virtual card. Cashback on UPI spends via Kiwi. Milestone lounge access. Best for digital-first users.

Our Review

The Yes Bank Klick RuPay Credit Card, issued via the Kiwi app, is a virtual-only card designed for digital users who prefer UPI payments. This card stands out with up to 5% cashback on UPI spends, no joining or annual fee, and milestone-based lounge access. Cashback is earned on UPI payments (via the Kiwi app), and additional rewards apply with the Kiwi Neon membership. However, excluded categories include fuel, insurance, wallet loads, and government payments.

With a milestone-based structure, you can earn up to 5% cashback annually and enjoy up to 3 free lounge accesses.

Note that cashback is credited as Kiwis (reward points) and redeemable in multiples of 500 only.

Tags: RuPay UPI Digital Card

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