The Yes Klick RuPay Credit Card (Kiwi) charges no annual fee and no joining fee. Its base return is 1.5%. The forex markup is 3.5%. Lounge visits in India: With Neon only: aggregator says up to 3 a year. Read from the issuer's documents and an aggregator on 31 Oct 2026.
YesKlick RuPay Credit Card (Kiwi)Card design not shown
Zero joining and annual fees (issuer page; MITC: nil). Virtual card only; no physical card.
Rewards
Reward currency
Kiwi cashback plus YES Rewardz points
Base earnunverified
Bank layer (issuer page): 2 YES Rewardz points per Rs 200 on non-UPI transactions. Kiwi layer (partner site, not the issuer): 1.5% cashback on UPI scan-and-pay; 0.5% on online spends. Paisabazaar also listed 4 points per Rs 200 on UPI spends above Rs 2,000; the issuer page does not mention points on UPI.
Base returnunverified
1.5%
Point valueunverified
Kiwi cashback is rupee value, withdrawn to bank account; bank points follow YES Rewardz values
Accelerated earnunverified
With Kiwi Neon membership (aggregator: Rs 999 a year + GST): 2% on UPI scan-and-pay and 5% on spends above Rs 1.5 lakh in the year
Capsunverified
Issuer page: utility (MCC 4900) earn capped at 150 points per statement cycle. Kiwi pages state no cap on Kiwi cashback; not verified.
Spends that earn nothing
Bank points: none on rent, wallet, fuel, government, marketing/advertising, cash withdrawals/advances, fees and charges, EMI conversions and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page). Kiwi's own cashback exclusions are not published on the pages read.
Points expiry
Bank points: 3 years
Reward notes
base_return_pct left null: the only issuer-stated earn is 2 YES Rewardz points per Rs 200 on non-UPI spends, and the point value is not issuer-stated (indicative at the aggregator's Rs 0.25: 0.25%). The 1.5% UPI cashback previously used is Kiwi's own programme; the issuer page says any programme administered by the Kiwi app is solely Kiwi's responsibility. How Kiwi cashback and bank points interact is not stated. Kiwi also issues on AU Bank and PNB with different terms.
Transfers
Partners
Air India Maharaja Club
Ratio
10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points (Klick is on Air India's list)
Travel and perks
Domestic loungeunverified
With Neon only: aggregator says up to 3 a year
International lounge
None
Forex markup
3.5%
Fuel surcharge waiver
1% on Rs 500-3,000 transactions, cap Rs 250 per statement; none on UPI fuel payments
Charges and eligibility
Interest per month
3.99%
Late payment fee
Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee
2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility
Applied for in the Kiwi app with video KYC; existing YES BANK credit cardholders not eligible.
Fine-print notes
Issuer product page read 12 Oct 2026: source_product_page was Kiwi's page (now moved to source_other). The issuer page confirms: RuPay network only, virtual only, zero joining and annual fees, 2 YES Rewardz points per Rs 200 on non-UPI transactions, the 150-point utility cap, the exclusion list and fuel waiver cap Rs 250 per cycle. It says nothing about Kiwi cashback rates, Neon membership, lounge access or forex markup, so those keep their partner/aggregator values; 2.75% forex stays unverified and may be the pre-15-June-2026 rate (the plain YES BANK RuPay card's page describes 2.75% that way). || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. Cash advance not applicable to virtual cards. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.
Questions
What is the annual fee of the Yes Klick RuPay Credit Card (Kiwi)?
No annual fee.
Does the Yes Klick RuPay Credit Card (Kiwi) give airport lounge access?
Yes. In India: With Neon only: aggregator says up to 3 a year. Outside India: none listed.
What is the forex markup on the Yes Klick RuPay Credit Card (Kiwi)?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Yes Klick RuPay Credit Card (Kiwi)?
Bank points: none on rent, wallet, fuel, government, marketing/advertising, cash withdrawals/advances, fees and charges, EMI conversions and, from 15 Jun 2026, insurance, education, railways, toll, ferry and jewellery (issuer page). Kiwi's own cashback exclusions are not published on the pages read.