Kiwi YES Bank RuPay Credit Card (Klick)
Best for uPI spends on credit. 1.5% on UPI Scan & Pay, 0.5% online (as Kiwis, 1 Kiwi=Rs0.25); Neon (Rs999+GST/yr) 2% UPI + milestones up to 5%
Terms as of 2026-09-27 · Checked 28 September 2026Kiwi YES Bank RuPay Credit Card (Klick) at a glance
Who it suits: UPI spends on credit
Rewards & cashback
| Details | |
|---|---|
| How you earn | 1.5% on UPI Scan & Pay, 0.5% online (as Kiwis, 1 Kiwi=Rs0.25); Neon (Rs999+GST/yr) 2% UPI + milestones up to 5% |
| Caps & exclusions | Cashback capped at 1% of credit limit per month |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,800 | ₹1,800 |
| ₹3,00,000 / year | ₹4,500 | ₹4,500 |
| ₹6,00,000 / year | ₹9,000 | ₹9,000 |
| ₹12,00,000 / year | ₹18,000 | ₹18,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Only with Neon at milestones |
| Fuel surcharge | No rewards on fuel |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| Tata Neu Infinity HDFC Bank | HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via N… |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
| Standard Chartered Smart | Standard Chartered | — / ₹499 | 1.00% base value | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
Frequently asked questions
What is the annual fee of the Kiwi YES Bank RuPay Credit Card (Klick)?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
1.5% on UPI Scan & Pay, 0.5% online (as Kiwis, 1 Kiwi=Rs0.25); Neon (Rs999+GST/yr) 2% UPI + milestones up to 5% Caps/exclusions: Cashback capped at 1% of credit limit per month
Does it give airport lounge access?
Only with Neon at milestones
Is the Kiwi YES Bank RuPay Credit Card (Klick) good for me?
Best for: UPI spends on credit. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: savesage.club, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on YES Bank’s website before applying. FinancePortal is not affiliated with the issuer.