All cards / Yes Bank
YES Bank Klick RuPay Credit Card
A fully virtual, lifetime-free RuPay card built for UPI spending through the Kiwi app (formerly the Kiwi Card, now issued as YES Bank Klick) — decent UPI cashback, thin everywhere else.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500–₹3,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–60
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹3,000
Benefits
- 1% cashback (as Kiwis) on UPI transactions via the linked Kiwi app; 0.5% on other card spends
- 1% fuel surcharge waiver on transactions between ₹500–₹3,000
Pros
- + Completely free — no joining or annual fee, ever
- + 1% cashback on UPI spends via the Kiwi app
- + Fully digital issuance, no physical card wait
Cons
- − Only 0.5% cashback on non-UPI spends
- − Virtual-first design limits offline/POS convenience
- − No lounge access or travel benefits