Kiwi Credit Card – UPI Cashback, Rewards, Benefits, Fees and Eligibility

Here are the key highlights of the YES Bank Klick Credit Card:

• 1% cashback on all UPI spends

• Instant virtual card issued on the Kiwi app

• 45 days interest-free period on purchases

• Integrated with all major UPI apps (GPay, PhonePe, Paytm)

• Lifetime free option for select users

• No joining fee or annual fee

• Lounge access through UPI for eligible users

• Milestone-based cashback and rewards as a joining bonus

The Kiwi Credit Card offers digital-first features designed for everyday UPI spending. You can earn cashback, access lifestyle benefits, and manage your card fully through the app.

Here are some more of the key features and benefits you can explore:

Lifetime Free Credit Card Benefit

• Zero Annual Fee

The YES Bank Klick Credit Card is offered as a lifetime free card, which means you do not pay any joining or annual fee, subject to the issuer’s terms and conditions.

UPI Cashback and Rewards Benefits

• Instant UPI Linking

Once approved, your virtual YES Bank Klick Credit Card is generated instantly and can be linked seamlessly with any UPI-compatible mobile app, allowing immediate usage for transactions.
 

Kiwi Neon Membership and Milestone Cashback

• Neon Subscription Benefits

Earn a flat 2% cashback on all UPI Scan & Pay transactions, making daily purchases more rewarding.

Lounge Access and Lifestyle Benefits

• Lounge Access

By achieving spending milestones, you can enjoy up to 3 complimentary domestic lounge visits per year, offering comfort and convenience while traveling.
 

Digital Card and App Control Benefits

• Digital Card Management

You can easily manage your card through the Kiwi app, which provides access to transaction history, reward tracking, spend analytics, and more.

• Zero Paperwork

The process is entirely paperless, as you complete eKYC and video KYC (vKYC) digitally, removing the need for physical documentation.
 

Security and Protection Benefits

• Tap-to-Pay Option

On opting for a physical card, enjoy contactless payments to ensure secure and fast transactions at point-of-sale terminals.

• Secure Transactions

All transactions made through the YES Bank Klick Credit Card are protected with industry-grade encryption and comply with RBI's regulatory standards to ensure user data remains secure.

Here are the necessary conditions and required documents to apply for this credit card:

• Should be a resident Indian

• You must have a minimum annual income of ₹3 Lakhs

• Must have a good credit score (CIBIL score of 720 or above)

This card features a fully digital application where you only have to complete the vKYC. 

Keep the following documents handy for identity verification:

• PAN Card

• Aadhaar Card
  
  

Note: eKYC and video KYC (vKYC) process to be completed digitally on the Kiwi app.

Follow this step-by-step process to apply for the YES Bank Klick Credit Card on Bajaj Markets:

1. Click on ‘Check Card Offer’ and fill in the required details, including your phone number, date of birth, and occupation

2. Enter the One-Time Password (OTP) sent to your phone

3. Check the pre-filled details like your PAN card number, email address, residential PIN code, and income information

4. Apply for the card that suits your needs from the available options

5. Click "Submit" to complete your application

Reference of all Terms & Conditions necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.