YES Bank

Kiwi RuPay Credit Card (YES Bank Klick)

Virtual RuPay card for UPI: 1.5% cashback on UPI scan and pay, 0.5% on online spends, paid as Kiwis worth ₹0.25 each.

Lifetime free
Works on UPI (RuPay)
RuPay

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Good

Lifetime free: no joining or annual fee
Works on UPI and earns 1.5% there

Watch out for

Earns nothing on fuel, government payments, utility bills, insurance, rent and wallet loads
The bank doesn't publish what a reward point is worth
High forex markup (3.5%)

Who it's for: Anyone who wants a no-fee card for UPI that also works on UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Online shopping: 0.5%
UPI: 1.5%
Dining and food delivery: 0.5%

Fees and charges

Joining fee: Free
Annual fee: Free
Fee waiver: Lifetime free: nil joining and nil renewal fee, no spend condition
Forex markup: 3.5%
Fuel surcharge waiver: 1% surcharge reversed on fuel transactions of ₹500 to ₹3,000, up to ₹250 per statement cycle

Benefits and eligibility

Airport lounge: Not published by the bank
Card network: RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): Not published by the bank
Eligibility: Existing YES Bank credit cardholders are not eligible. Virtual-only card (no physical card). UPI use is limited to merchant payments, not peer payments.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the Kiwi RuPay Credit Card (YES Bank Klick)?

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CreditParakh is not a bank or lender. Approval, limits and final terms are decided by YES Bank.

Questions people ask

Is the Kiwi RuPay Credit Card (YES Bank Klick) worth it in 2026?

Yes, as a no-fee card for UPI that also works on UPI: it costs nothing to keep. The catch: earns nothing on fuel, government payments, utility bills, insurance, rent and wallet loads.

Is the Kiwi RuPay Credit Card (YES Bank Klick) lifetime free?

Yes. The bank's fee schedule shows no joining fee and no annual fee.

Does the Kiwi RuPay Credit Card (YES Bank Klick) work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1.5% on UPI spends.

Does the Kiwi RuPay Credit Card (YES Bank Klick) give airport lounge access?

No complimentary airport lounge access.

What earns no rewards on the Kiwi RuPay Credit Card (YES Bank Klick)?

Kiwi's rewards policy also excludes agricultural and veterinary services, auto dealers, car rentals and repairs, direct marketing, legal and accounting services, tolls, telecom and cable, dairy stores (MCC 5451), money transfers, financial institutions, gift cards and real estate. Kiwis are given only on transaction amounts in multiples of ₹100. Railway and international spends aren't mentioned.

Is there a limit on rewards with the Kiwi RuPay Credit Card (YES Bank Klick)?

Kiwis earned in a month are capped at 1% of the card's credit limit (for example ₹500 on a ₹50,000 limit).

Who can get the Kiwi RuPay Credit Card (YES Bank Klick)?

Existing YES Bank credit cardholders are not eligible. Virtual-only card (no physical card). UPI use is limited to merchant payments, not peer payments. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read YES Bank's own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on YES Bank's official page. Fees and rewards change; check the issuer's terms before you apply.