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Understand YES Bank Klick credit card fees and charges, including interest, penalties, and simple ways to avoid extra costs while using your card wisely.
Last updated on: February 16, 2026
Digital payments feel convenient until unexpected charges affect your monthly budget. YES Bank Klick credit card becomes easier to manage when you clearly understand its fees, interest costs, and payment conditions. Knowing these details helps you avoid penalties, control everyday spending, and use credit responsibly. Clear awareness of charges allows you to make smarter decisions, reduce unnecessary expenses, and keep your finances steady without stress or last-minute surprises.
Understanding the different charges linked to the YES Bank Klick credit card helps you plan your spending better and avoid unexpected costs:
Joining Fee
You do not pay any joining fee when you get the YES Bank Klick credit card, which makes it easy to start without upfront costs.
Annual Fee
There is no annual fee on the card, so you can continue using it year after year without worrying about renewal charges.
Neon Subscription Fee (If Opted For)
If you choose the optional Neon subscription, you pay ₹999 per year plus GST for added lifestyle and digital benefits.
Interest Rate on Outstanding Balance
The card charges interest at 3.99% per month, which equals 47.88% annually, if you do not clear your full outstanding amount on time.
Late Payment Charges
If you miss the payment due date or pay less than the minimum amount, late fees can go up to ₹1,200 based on your outstanding balance.
Foreign Currency Mark-up
For international spends, a foreign currency mark-up of 2.75% applies, which increases the total cost of overseas transactions.
Cash Advance Charges
Cash withdrawals attract a fee of 2.5% of the amount or ₹500, whichever is higher, and the charge appears in your next credit card statement.
Fuel Surcharge Waiver
You receive a 1% fuel surcharge waiver on fuel spends between ₹500 and ₹4,000, capped at ₹250 per month, which helps reduce routine fuel costs.
GST on Applicable Charges
An 18% GST applies to all relevant fees and charges, so the final amount payable may be slightly higher than the base charge.
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 |
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.
Knowing how international charges apply helps you avoid paying more than expected when using your YES Bank Klick credit card outside India or on global websites:
| Charge Type | Applicable Rate | What You Should Know |
|---|---|---|
Foreign Currency Conversion Charge |
2.75% |
This charge applies when you pay in a foreign currency, covering the cost of converting it into Indian rupees |
Dynamic Currency Conversion Charge |
1% |
This applies when you choose to pay in Indian rupees instead of the local currency during an international transaction |
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.
Paying at least the minimum amount due on time helps you avoid extra costs that can quickly increase your credit card bill.
Late payment charges apply when the minimum amount due does not reach the bank by the payment due date mentioned in your YES Bank Klick credit card statement. These charges apply in addition to interest on the outstanding balance, which means delays can become expensive.
If your total outstanding amount, including billed and unbilled transactions, is ₹500 or less, no late payment charge applies. When the outstanding amount exceeds ₹500, the bank charges 10% of the statement balance or ₹1,350, whichever is lower, for each statement cycle where payment is missed.
Simple Illustration to Understand Late Payment Charges
| 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 case, 10% of the statement balance equals ₹3,718, but since the maximum late fee is capped, a late payment charge of ₹1,350 applies if the minimum amount due is not paid within the due date plus grace period.
Paying at least the minimum amount on time helps you avoid penalties, reduce interest costs, and protect your credit profile from long-term impact.
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 |
Following a few simple habits helps you reduce unnecessary fees and keep your KIWI Credit Card costs under control:
Pay the full outstanding amount before the due date to avoid interest and late payment charges
Always pay at least the minimum amount due on time to prevent penalties and added fees
Track your credit limit regularly to avoid over-limit usage charges
Avoid cash withdrawals unless absolutely necessary, as they attract immediate fees and interest
Use your card for international payments in foreign currency instead of INR to skip dynamic currency conversion charges
Keep monthly utility, fuel, and education spends within charge-free limits to avoid extra fees
Review your statement every month to spot charges early and correct errors quickly
Set up auto-debit or reminders to ensure you never miss a payment deadline
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.
Reviewer
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.
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.
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.
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.
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.
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.
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.
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.
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