Kiwi × YES BANK
Klick RuPay (on Kiwi)
Lifetime freeUPICashback
Checked 2 Oct 2026 ·
Annual fee₹0for life
Forex markup3.5%
Interest3.99%a month
NetworkRuPay
You earn
Perks & rules
What changed
15 Jun 2026YES Rewardz stopped on insurance, education, railways, tolls, ferry and jewellery
15 Jun 2026Forex markup on Klick raised to 3.5% (was 2.75%)
1 Jun 2025Kiwis earned only on multiples of ₹100
Worth it?
We can't estimate this card yet.Rewards are based on UPI payments, not these categories.
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asKiwis (points, shown as cashback)
Base rate0.5% on online UPI payments; earned per ₹100
Higher rates
- UPI scan & pay: 1.5% on UPI scan & pay (cards issued since 4 Jul 2024)
- With Neon membership: Kiwi Neon (₹999 + GST a year): 2% on scan & pay; 3% / 4% / 5% total on ₹50k / ₹1L / ₹1.5L yearly spend
- Non-UPI spends: YES BANK: 2 YES Rewardz points per ₹200 on non-UPI spends
Limits
- Total Kiwis a month: up to 1% of your credit limit (Neon milestone cashback is outside this cap)
- YES Rewardz on utilities: up to ₹150 per statement cycle
Doesn't earn on
- Fuel, government, utilities, insurance, education, jewellery, gift cards, wallets, real estate, tolls, cash and other listed merchant codes
- Kiwis only on multiples of ₹100
Where it landsRedeemed to your bank account (UPI ID) in multiples of 500 Kiwis
What a point is worth
Value1 Kiwi = ₹0.25
ExpiryNot stated in the documents read
Redemption feeNot stated; minimum 500 Kiwis per redemption
Welcome benefit
WelcomeNone stated
Milestones
Milestones
- Neon only: 1 airport lounge pass at each of ₹50k, ₹1L and ₹1.5L yearly spend
Airport lounges
DomesticOnly with Kiwi Neon: up to 3 passes a year via spend milestones
InternationalNone stated
Fuel
Fuel1% surcharge waiver, up to ₹250 per statement cycle
Spending abroad
Forex markup3.5% (from 15 Jun 2026; 2.75% before)
Fees
Joining feeNil
Annual feeNil
Fee waiverNot needed: no fee
If you pay late
Late feeNil up to ₹500 outstanding; above that 10% of statement balance, max ₹1,350
Interest3.99% a month (47.88% a year)
Cash withdrawalNot applicable to virtual cards
Who can apply
AgeNot stated in the documents read
SalariedNot stated in the documents read
Self-employedNot stated; existing YES BANK cardholders can't apply
More perks
Perks
- Virtual card only; no physical card
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- YES BANK Klick Credit Card page Product page · 2 Oct 2026
- Kiwi Rewards T&C Card T&C · 2 Oct 2026
- Kiwi Neon Membership T&C (from 1 Feb 2025) Card T&C · 2 Oct 2026
- YES BANK Credit Card MITC (CMITC v18, 28 Sep 2026) Fee schedule · 28 Sep 2026
- Kiwi – YES BANK card page Product page · 2 Oct 2026
Card image: Kiwi × YES BANK's own website doesn't publish one; placeholder shown.
