YES BANK Klick RuPay Credit Card review: fees, rewards and eligibility
The YES BANK Klick RuPay Credit Card has a recorded annual fee of ₹0 and a base earn of 1% in YES Rewardz Points. CardMasters checked its issuer terms on 2026-08-08. Affiliate commission never changes ranking; confirm final terms and approval with Yes Bank.
YES BANK Klick RuPay Credit Card: short answer
The YES BANK Klick RuPay Credit Card is in the entry tier of Yes Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 1% in YES Rewardz Points and a 2.75% forex markup. Rewards are not earned on fuel, rent, wallet load, government, marketing advertising. It suits upi credit, lifetime free, first card spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-08. Confirm final terms with the issuer.
Reward structure
1% base rewards in YES Rewardz Points.
- 2 points per ₹100 on UPI transactions above ₹2,000 — 4 YES Rewardz Points per ₹200. Kiwi promotional cashback or paid Neon benefits are not included in recurring value.
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, government, marketing advertising, cash advance, emi, insurance, education, railway, toll, ferry, jewellery, P2P UPI.
Important limit: This record covers only the YES BANK Klick card. AU KOSMO, PNB Kiwi, YES BANK credit-line and legacy Axis-Kiwi products are distinct and are not represented by this record.
Frequently asked questions
What is the annual fee for the YES BANK Klick RuPay Credit Card?
The YES BANK Klick RuPay Credit Card currently has no annual fee in our record. Issuer lists the virtual-only Klick card as lifetime free..
How do rewards work on the YES BANK Klick RuPay Credit Card?
1% base rewards in YES Rewardz Points. Accelerated routes include 2 points per ₹100 on UPI transactions above ₹2,000. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the YES BANK Klick RuPay Credit Card?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, government, marketing advertising, cash advance, emi, insurance, education, railway, toll, ferry, jewellery, P2P UPI. Merchant category coding and issuer terms determine final eligibility.
Who should consider the YES BANK Klick RuPay Credit Card?
It is most relevant for people focused on upi credit, lifetime free, first card. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the YES BANK Klick RuPay Credit Card worth it?
With no recorded annual fee, the YES BANK Klick RuPay Credit Card costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the YES BANK Klick RuPay Credit Card?
Yes Bank does not publish a card-specific income or credit-score cutoff in the current source. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the YES BANK Klick RuPay Credit Card?
The recorded foreign-currency markup is 2.75% before GST. On ₹1,00,000 of international spend that is about ₹2,750 in markup, so compare it against any rewards earned on overseas transactions.
Does the YES BANK Klick RuPay Credit Card offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.