Kiwi RuPay Credit Card (YES Bank Klick)

Yes Bank · Open to apply

A lifetime-free virtual RuPay credit card from Yes Bank that runs on the Kiwi UPI app. Kiwi pays 1.5% cashback on UPI scan-and-pay and 0.5% on online UPI payments made through the app, credited as Kiwis (4 Kiwis = ₹1) to the linked bank account; non-UPI card spends earn 2 YES Rewardz per ₹200 from Yes Bank.

Annual fee
Lifetime free
Joining fee
None
Base rate
2 YES Rewardz per ₹200 on non-UPI card spends: 2 YES Rewardz per ₹200 (about 0.1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • 1.5% cashback on UPI scan and pay: 1.5% cashback (about 1.5% at cash value)

Earns nothing on

  • No Kiwi cashback on excluded merchant categories
  • No YES Rewardz on rent, wallet loads, fuel, government, cash withdrawals and EMI (non-UPI card spends)
  • No YES Rewardz on insurance, education, tolls and jewellery (non-UPI card spends, from 15 Jun 2026)
  • No YES Rewardz on railways (non-UPI card spends, from 15 Jun 2026)

Where the sources disagree

  • international lounge access: An archived copy of Yes Bank's Klick page (22 Oct 2026) has a "Klick RuPay Credit Card key attractions" block: "3 complimentary International lounge visits per calendar year", "Accelerated reward points on Travel and Dining Spends" and "25% discount on movie ticket bookings at BookMyShow". The block sits among YES Premia template content and claims accelerated travel and dining points that no other Klick document has; the live page read on 23 Oct 2026 lists only zero fees, the fuel surcharge waiver and 2 YES Rewardz per ₹200, and Kiwi's RuPay page ties the lounge visits to the paid Neon membership ("You also get 3 complimentary lounge accesses with Kiwi Neon membership"). No lounge access is entered for the card.
  • UPI scan-and-pay cashback rate: Kiwi's rewards policy (v2, read in full) gives 1.5% for cards issued through Kiwi since 4 Jul 2024 and 1% for earlier cards, matching Kiwi's card pages; the Neon terms' "1% cashback that is a default feature" refers to the older cohort. We use 1.5% for cards issued from 4 Jul 2024.
  • Neon top cashback rate: Kiwi's Yes page and blog say 5% on spends over ₹1.5 lakh; Kiwi's RuPay page says Neon gives 5% on UPI payments with no threshold; the Neon T&C gives 3%, 4% and 5% milestones at ₹50,000, ₹1 lakh and ₹1.5 lakh. The T&C is the most specific text. Neon is not modelled.
  • redemption minimum: Kiwi's blog says there is no minimum redemption; the rewards policy and the Boost terms say at least 500 Kiwis (₹125), in multiples of 500. We use the policy.
  • issuing partner: A third-party site says Kiwi partners with Axis Bank for this card; Kiwi's own pages and Yes Bank's MITC show Yes Bank (Klick), with Axis KWIK as a separate variant from 6 Sep 2026.

Terms the calculator does not value

  • Kiwi Neon (₹999 + taxes a year, select users): 2% on scan and pay, 0.5% on online, yearly milestone cashback of 3% at ₹50,000, 4% at ₹1 lakh and 5% at ₹1.5 lakh of eligible spend (net of Neon cashback already earned), and one lounge visit per milestone (3 in all). Kiwi's pages disagree on the 5% (see conflicts). None of this is in the figures here.
  • Kiwi Boost (₹49 + taxes per 3 months, from 29 Jun 2026, notified users): online spends in the Kiwi app earn a boosted 1% (0.5% base plus 0.5%); scan and pay gets no boost. Excludes many MCCs.
  • Kiwis earned in a month are capped at 1% of the card's credit limit (for example ₹300 of Kiwis on a ₹30,000 limit, which 1.5% reaches at ₹20,000 of scan-and-pay spend). The cap depends on the limit, so the calculator does not apply it.
  • YES Rewardz are valued at ₹0.25 only on flights and hotels (up to 70% of the invoice value) per YES Bank's redemption rules; statement credit and e-gift vouchers are worth ₹0.10 (₹0.10 for vouchers on this card), capped at 50% of available points. The calculator's cash-like mode uses the lower options.

Sources

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