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Yes Bank
YES Bank Klick RuPay Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- 🌍 Forex / international spend
2.75% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–60
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 ₹400–₹4,000
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