YES Bank Klick RuPay Credit Card

Virtual UPI card issued through the Kiwi app

Annual feeLifetime Free

Rewards2 YES Rewardz Points per ₹200 spent on non-UPI transactions.

Forex markup2.8%2.75% on foreign currency conversion

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Rewards

Base earn rate

2 YES Rewardz Points per ₹200 spent on non-UPI transactions.

YES Rewardz

• Redemption fee: ₹100

Fees & charges

Joining fee: Nil
Annual / renewal fee: Lifetime free
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: Not applicable — the MITC lists no cash advance facility on this card.
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: 2.75% on foreign currency conversion
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns
Duplicate card: ₹100

Late payment

Outstanding amount	Late fee
₹0 – ₹500	₹0
Above ₹501	Above ₹500 — 10% of the statement balance, capped at ₹1,350

View official MITC →

Eligibility

Applied for through the Kiwi app, including video KYC. Existing YES Bank credit cardholders are not eligible. The card is virtual — no plastic variant is issued.