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Kiwi Credit Card Charges and Fees – Complete Guide (2026)

Understand YES Bank Klick credit card fees and charges, including interest, penalties, and simple ways to avoid extra costs while using your card wisely.

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Last updated on: Jul 23, 2026

Overview of Kiwi Credit Card Charges and Fees

The YES Bank Klick Credit Card is a virtual RuPay credit card offered through the Kiwi platform, designed primarily for UPI-based transactions and digital payments. Understanding Kiwi credit card charges helps cardholders track the costs associated with card usage, including interest charges, foreign currency transactions, and payment-related fees.

The table below provides a summary of key Kiwi credit card charges and fees that may be relevant when using the card.

Charge Type	Details
Joining Fee	NIL
Annual Fee	NIL
Late Payment Charges	10% of the statement balance or ₹1,350, whichever is lower, if outstanding exceeds ₹500
Cash Advance Fee	NA
Foreign Currency Mark-up	2.75%
Interest Rate	3.99% per month (47.88% annualised)
Neon Subscription (If opted)	₹999/year + GST
Fuel Surcharge Waiver	1% waiver on eligible fuel transactions of ₹500–₹4,000, capped at ₹250 per month

Note: The YES Bank Klick Credit Card comes with no joining or annual fee, but other applicable charges may apply based on card usage. Fees, charges, and applicable GST are subject to change at the issuer's discretion.

Types of Charges on Kiwi Credit Card

The YES Bank Klick Credit Card includes different charge categories that may apply depending on card usage, repayment behaviour, and optional services. Understanding these Kiwi credit card charges can help provide clarity on the costs associated with the card.

Joining and annual fees: Charges applicable for card issuance and yearly card maintenance
Interest charges: Interest levied on outstanding balances that remain unpaid beyond the due date
Late payment charges: Fees applicable when the payment due is not made within the specified timeline
Foreign currency mark-up: Charges applied on international transactions and payments made in foreign currencies
Cash advance charges: Fees associated with cash withdrawals using the credit card, where applicable
Neon subscription charges: Optional membership fee for users who choose the Kiwi Neon subscription plan
Fuel-related charges and waivers: Fuel surcharge waivers available on eligible fuel transactions, subject to prescribed limits
GST and statutory charges: Applicable taxes charged on relevant fees and card-related services

Understanding the different charges linked to the YES Bank Klick credit card helps you plan your spending better and avoid unexpected costs.

Kiwi Credit Card Annual Fee and Renewal Charges

Clear knowledge of annual and renewal fees helps you understand the real cost of owning the YES Bank Klick credit card over time:

Fee Type	Applicable Charge	What This Means for You
Joining Fee	NIL	You can apply for the YES Bank Klick credit card without paying any upfront joining fee, which keeps entry costs at zero
Annual Fee	NIL	You do not pay any yearly or renewal fee, allowing you to continue using the card without added annual expenses

Note: The absence of joining and annual charges means that Kiwi credit card fees mainly apply to usage-based services, such as interest, late payment, forex, and optional subscription charges.

KIWI Credit Card Cash Withdrawal and Advance Charges

Cash withdrawal, also known as a cash advance, applies when you use the YES Bank Klick credit card at an ATM. The bank charges 2.5% of the withdrawn amount or ₹500, whichever is higher, and adds this fee to your next credit card statement. Interest starts from the same day of withdrawal, with no interest-free period, and continues until you repay the full amount.

Example: How Cash Withdrawal Charges Work

Assume your credit card statement date is the 20th of every month and the payment due date is the 10th of the following month. If you withdraw ₹10,000 using your YES Bank Klick credit card on 5 August, the cash advance fee at 2.5% comes to ₹250. Since the minimum charge is ₹500, ₹500 will be applied instead. Interest will start from 5 August and continue daily until you repay the full amount, along with applicable GST, increasing your total payable amount.

Kiwi Credit Card Forex and International Transaction Charges

Understanding international transaction costs is important when using the YES Bank Klick Credit Card overseas or on international websites. These charges form an important part of Kiwi credit card charges and fees and can affect the overall cost of foreign currency transactions.

Transaction Type	Markup %	Example Amount
Foreign Currency Conversion Charge	2.75%	On an international transaction worth ₹10,000, the markup charge would be ₹275
Dynamic Currency Conversion (DCC) Charge	1%	On a transaction worth ₹10,000 converted to INR at the merchant, the charge would be ₹100

The table above illustrates how forex-related charges may apply during international transactions.

Note: Actual charges may vary depending on the transaction amount, applicable exchange rate, and prevailing taxes.

Over-Limit Usage Charges on KIWI Credit Cards

Spending beyond your approved credit limit can seem helpful in urgent moments, but it comes with an added cost that you should understand clearly.

An over-limit usage charge of ₹500 applies when your total spending crosses the assigned credit limit on your YES Bank Klick credit card. This charge applies only if you have given prior consent to allow over-limit transactions on your card.

Once you cross the limit, the fee gets added to your statement along with any applicable interest, which can increase your repayment amount. Keeping track of your available credit limit helps you avoid this charge and maintain better control over your monthly spending.

Kiwi Credit Card Late Payment Charges

Paying at least the minimum amount due on time helps avoid additional costs and prevents outstanding balances from increasing further. Late payment charges apply when the minimum amount due is not paid by the due date mentioned in the credit card statement.

The table below shows the applicable late payment charges:

Outstanding Amount Slab	Late Fee
Up to ₹500	Nil
Above ₹500	10% of the statement balance or ₹1,350, whichever is lower

Late payment charges are levied in addition to applicable interest on the outstanding balance. As a result, delaying payments can increase the overall repayment amount.

Simple Illustration

Details	Information
Statement Date	20-Jun-25
Payment Due Date	10-Jul-25
Grace Period Ends	13-Jul-25
Minimum Amount Due	₹2,884.27
Total Statement Outstanding	₹37,186.06

In this example, 10% of the statement balance equals ₹3,718.61. However, since the late fee is capped, a charge of ₹1,350 applies if the minimum amount due is not paid within the permitted period.

Note: Repeated late payments may affect the cardholder's credit score, as repayment behaviour is reported to credit bureaus. Timely payment of at least the minimum amount due can help maintain a healthy credit profile.

Additional and Miscellaneous KIWI Credit Card Charges

Knowing these additional charges helps you control everyday spending and avoid unexpected fees while using your YES Bank Klick credit card:

Charge Type	Applicable Details
Finance Charges	3.99% per month (47.88% per year) on outstanding balance, cash advances, or overdue amounts
Interest-Free Period	Up to 50 days on retail transactions when you pay on time
Minimum Amount Due (MAD)	Higher of ₹200 or 5% of finance charges plus all fees, EMIs, GST, and charges; if total due is below ₹200, MAD equals total due
Cash Advance Limit	Cash withdrawals incur a fee of 2.5% or ₹500, whichever is higher, added to your statement
Add-on Card Fee	Nil; up to 3 add-on cards allowed
Late Payment Charges	Nil if outstanding is up to ₹500; otherwise 10% of outstanding or ₹1,350, whichever is lower
Over-Limit Fee	₹500 if you exceed your credit limit and have given over-limit consent
Cash Advance Fee	Nil
Rent Payment Charges	1% or ₹1 for rent up to ₹1,000; 1% or ₹199 for rent above ₹1,000; maximum 3 transactions every 30 days
Wallet Transaction Charges	1% of transaction value or ₹1, whichever is higher
Utility Bill Charges	1% plus GST on utility spends above ₹15,000 per month, capped at ₹3,000
Education Payment Charges	1% plus GST on third-party platforms, capped at ₹5,000 per month
Fuel Transaction Charges	1% plus GST on fuel spends above ₹10,000 per month, capped at ₹5,000
Foreign Currency Conversion	2.75% on foreign currency spends
Dynamic Currency Conversion	1% when paying in INR for international transactions
Reward Redemption Fee	Nil
Payment Return Charges	₹450 for cheque return; auto-debit failure charged at 2% or ₹450, capped at ₹1,500 per statement
GST	18% applies to all fees and charges

How to Avoid Extra Charges on Your KIWI Credit Card

Following a few simple habits helps you reduce unnecessary fees and keep your KIWI Credit Card costs under control.

Pay your bill in full every month. Clearing the entire outstanding amount before the due date means you pay zero interest — the single biggest saving you can make as a cardholder.
Never skip the minimum payment. If paying in full is not possible, always pay at least the minimum amount due on time to avoid late payment fees and protect your credit score.
Limit cash withdrawals. Cash advances are expensive — they attract an upfront fee and interest from the day of withdrawal, with no grace period. Use your debit card or bank account for cash needs instead.
Stay within your credit limit. Keeping your utilisation well below the assigned limit helps you avoid over-limit charges and supports a healthier credit profile over time.
Pay in local currency abroad. When making international payments, always choose to pay in the local transaction currency rather than INR to avoid dynamic currency conversion charges on top of the standard forex markup.
Check your statement every month. A quick monthly review helps you catch unexpected fees, disputed transactions, or billing errors before they compound.
Set up auto-pay or payment reminders. Automating your payments or setting calendar reminders reduces the risk of missing due dates, especially during busy periods.
Think before subscribing to add-ons. Optional memberships like Kiwi Neon add value for high spenders but may not be worthwhile for everyone. Assess your usage before opting in.

Disclaimer

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.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

FAQs on Kiwi Credit Card Charges and Fees

What charges apply when using a KIWI credit card for regular purchases and services?

Regular purchases usually attract no extra charge if you pay the full bill on time, while interest applies only when you carry a balance, along with GST on applicable fees as per the card’s terms.

Does KIWI charge an annual or renewal fee on its credit cards?

KIWI credit cards generally come with no annual or renewal fee, which makes them suitable for long-term use without fixed yearly costs, provided you follow usage and payment rules.

What fees are charged on cash withdrawals made using a KIWI credit card?

Cash withdrawals attract a fee of 2.5% of the withdrawn amount or ₹500, whichever is higher, and interest starts immediately from the withdrawal date until full repayment.

How much does KIWI charge for foreign currency and international transactions?

International transactions usually attract a foreign currency conversion charge of 2.75%, while choosing to pay in Indian rupees abroad can add a 1% dynamic currency conversion charge.

Are there any fees for transferring balances to a KIWI credit card?

Balance transfer fees depend on the specific offer and terms set by KIWI or the issuing bank, so you should always check current charges before moving outstanding balances.

When do over-limit usage charges apply on a KIWI credit card?

An over-limit charge applies only when you exceed your approved credit limit and have given prior consent, with the fee added to your statement along with applicable interest.

How are late payment charges calculated on KIWI credit cards?

Late payment charges apply if you miss the minimum amount due, usually calculated as a percentage of the outstanding balance, subject to a maximum cap, and added with interest.

What steps can KIWI credit card users take to avoid extra fees and penalties?

Pay bills on time, clear the full balance whenever possible, avoid cash withdrawals, track your credit limit, and review statements regularly to prevent unnecessary charges.