Basic Information

Welcome Benefits All welcome benefits: No joining fee; no annual fee; virtual-only card

Card Details Card Name: YES BANK Klick RuPay Credit Card (Kiwi); Bank Name: YES BANK; Card Type: Virtual RuPay Credit Card; Network: RuPay; Network Variant: RuPay

Card Category Card Category: Entry Level

Payment Network Payment Network: rupay

Rewards Program

Reward Points Reward Rate: 4 YES Rewardz Points per ₹200 on UPI transactions above ₹2,000; 2 YES Rewardz Points per ₹200 on non-UPI transactions

Cashback Cashback Rate: 1.5% cashback on UPI Scan & Pay; 0.5% cashback on online spends; Cashback Categories: UPI Scan & Pay; Online Payments

Redemption Reward Redemption Options: Cashback through Kiwi rewards

Travel Benefits

Airport Lounge Domestic Airport Lounge: Complimentary airport lounge access with Kiwi Neon; Lounge Spend Condition: Kiwi Neon membership required

Membership Membership: Kiwi Neon; Membership Fee: ₹999 per year

Shopping Benefits

Online Shopping Online Shopping Benefit: 0.5% cashback on online payments

EMI Offers No Cost EMI: Split eligible payments into 3 with no-cost EMI

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: Fuel surcharge waiver

Dining & Entertainment

Entertainment Entertainment Offers: Kiwi Neon benefits

Daily Spending Benefits

Utility Bills Utility Bill Cashback: UPI Scan & Pay cashback

Digital Features

Payments UPI on Credit Card: Yes — RuPay credit card can be linked to UPI apps through Kiwi

Mobile Wallet UPI Support: Kiwi UPI app

Banking Features Instant Card Control: Card activation and management through Kiwi app

Add-on Features

EMI Features EMI Conversion: Post-transaction EMI conversion available through Kiwi app

Fees & Charges

Joining Charges Joining Fee: ₹0

Annual Charges Annual Fee: ₹0; Annual Fee Waiver: Lifetime free

Cash Advance Charges Cash Withdrawal Fee: 2.5% of amount withdrawn or ₹650, whichever is higher. Not applicable to Virtual RuPay Credit Card.

EMI Charges EMI Facility: No-cost EMI facility through Kiwi; EMI Interest: 0% for eligible no-cost EMI transactions

Other Charges Other Charges: No joining fee; no annual fee

Performance & Ratings

Best Usage Best For: UPI Payments; Everyday Spending; Online Shopping; Cashback

Advantages Pros: Lifetime free; UPI credit card; cashback on UPI Scan & Pay; online cashback; fuel surcharge waiver; no-cost EMI

Limitations Cons: Virtual-only card; UPI cashback and reward eligibility conditions apply; Kiwi Neon benefits require paid membership