YES BANK Klick Credit Card
YES BANK
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Virtual credit card accessed via the Kiwi fintech app; application requires KYC completion via the Kiwi app.
Lounge access
0 domestic / 0 international visits per year
Reward details
2 reward points per Rs 200 on non-UPI transactions
- 1.5% cashback on UPI Scan & Pay (via Kiwi app)
- 0.5% cashback on Online payments (via Kiwi)
Redemption
Not specified in content fetched
Excluded from rewards: rent, wallet, fuel, UPI (for the base points program only - Kiwi-app UPI cashback is separate), government & marketing/advertising category transactions, cash withdrawals, EMI conversions
- Fuel surcharge waiver 1% on all fuel station purchases, capped at Rs 250/month (~Rs 3,000/year potential)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Rewards on everyday spending, low forex fees, fuel savings, lifetime free status, virtual card convenience — Paisabazaar
Complaints
- No airport lounge access; UPI benefits restricted to Kiwi app usage only — Paisabazaar
Sources
- Aggregator — fees, rewards, sentiment