Kiwi Credit Card’s Limit

The KIWI Credit Card Limit defines the maximum amount you can spend using the Kiwi credit card. This card is the YES Bank Klick Credit Card, a virtual RuPay credit card issued by YES Bank and managed through the Kiwi app. This limit is set by the issuer and controls how much of your available credit you can use at any time. 

Since the card is designed for UPI-based payments, the limit directly influences your everyday spends, bill payments, and cashback eligibility. Responsible usage of this limit supports better repayment behaviour and credit health, while also determining the caps on UPI cashback and rewards linked to your spending levels.

A credit limit on the Kiwi Credit Card is the predetermined upper ceiling on the total credit available to you. For example, if your credit limit is ₹1,50,000, you can spend up to that amount using your Kiwi Credit Card. 

This limit is established based on factors such as your credit profile, income, and repayment history. Having a credit limit matters because it defines how much you can charge to the card for purchases, bills, or UPI transactions before requiring payment. Exceeding your limit can lead to declined transactions or additional charges. 

Moreover, responsible use of your limit helps keep your credit utilisation ratio low, which is an important factor in maintaining a healthy credit score. When your utilisation ratio stays within recommended levels (generally below 30%), it signals to lenders that you manage credit well. The limits on rewards, such as monthly cashback caps, are often linked to your credit limit, making it vital to grasp how this number influences benefits. 

Using your credit card limit responsibly helps you enjoy financial flexibility without risks. Here are clear guidelines to ensure you manage your card limit well:

1. Stay Within Your Limit: Always monitor your spending so you do not exceed the approved credit limit. Overspending may lead to declined transactions and possible fees. Knowing your available limit before initiating large payments ensures you stay within bounds. 
2. Track Your Spending: Regularly review your transactions either in the Kiwi app or in your monthly statement. Tracking helps you avoid impulse purchases and keeps your utilisation ratio lower. 
3. Budget Savings: Plan large purchases ahead and spread them over time if possible. This ensures you do not use too much of your credit limit at once, which can impact your score and repayment obligations. 
4. Pay on Time: Timely repayments lower interest costs and help build a good repayment history. This behaviour can make you eligible for higher limits in the future. 

Note: Using your limit strategically also allows you to benefit from Kiwi’s rewards and cashback offers, which are sometimes capped relative to the credit limit.

Keeping track of your Kiwi credit card limit and available balance is easy and can be done through various methods:

• Kiwi App: Login to the Kiwi app to view your current credit limit and available balance. Most card details, including outstanding dues and utilisation, are clearly displayed. 
• Statement Checks: Your monthly credit card statement will also show your limit and how much of it you have used. This helps in planning future spending. 
• Notifications: Some users receive limit updates or reminders when they are nearing their credit limit via app alerts or SMS. 

By checking your limit frequently, you can avoid declined transactions or unwanted overage situations.

The credit limits on your YES Bank Klick Credit Card are determined at the bank's sole discretion based on internal assessment parameters. Understanding these different ‘caps’ helps you track your usage and avoid unexpected declines.

1.Total Credit Limit

This is the overall spending cap assigned to your card account.

• Shared Access: If you have an add-on card for a family member, they will share this same overall limit.
• Communication: Your total limit is mentioned in your welcome letter and updated in every monthly credit card statement.

2.Available Credit Limit

This is your actual spending power at any given moment, representing how much of your total limit remains for future spending.

• Calculation: It is your total limit minus your current outstanding dues and unbilled transactions.
• Tracking: You can view this instantly on the Kiwi App dashboard or the issuing bank’s app.

3.Cash Withdrawal Limit (Cash Advance)

A portion of your total credit limit is typically allocated for cash withdrawals at ATMs.

• Part of Total Limit: This is not an additional amount but a subset of your total credit line.
• High Interest: Unlike regular UPI or online spends, interest on cash withdrawals applies immediately from the date of the transaction.
• Onboarding Restriction: Per issuer policy, cash withdrawal access may be restricted during the initial onboarding period of the card.

Important Update: Effective May 1, 2025, YES Bank has discontinued the overlimit feature. Any transaction that exceeds your sanctioned credit limit will be automatically declined rather than being processed with a fee. This makes it vital to check your available limit before making large UPI payments.

Several key factors influence how much credit you are offered on your YES Bank Klick Credit Card:

• Credit Score and History: A strong credit score and history of timely repayments provide confidence to issuers, often resulting in higher limits. 
• Income and Stability: Your income and employment stability help ascertain your repayment capacity, affecting your approved credit limit. 
• Existing Debt: If you already carry high levels of credit from other cards or loans, issuers may assign a lower limit to manage risk. 

Kiwi and YES Bank may also consider how actively you use the card and whether you consistently repay on time when evaluating future limit adjustments.

A credit limit increase on the Kiwi credit card is generally assessed by the card issuer, YES Bank, based on your recent credit behaviour and updated financial profile. 

How Requests can be Placed

• Digital Channels: Check for "Pre-approved Limit Enhancement" offers directly on the Kiwi App or by logging into YES Online (Net Banking)
• Email Request: You can send a formal request to yestouchcc@yesbank.in from your registered email ID
• Customer Support: Call the dedicated credit card helpline to check your eligibility

Information Commonly Reviewed

• Updated income and employment details
• Existing loan and credit card obligations
• Recent bank statements, especially if your primary account is not with YES Bank

Practices That Support Consideration

• Timely repayments: Consistently paying dues by the due date reflects disciplined credit behaviour.
• Controlled credit utilisation: Keeping usage well below the available limit, often under 30%, indicates balanced spending.
• Stable financial profile: Updated income records and steady earnings help demonstrate repayment capacity.
• Responsible card usage: Regular but moderate use of the existing limit shows predictable and manageable spending patterns.

Note: Limit increase approvals are not automatic and depend on internal review outcomes. Maintaining a healthy credit profile over time improves the likelihood of being considered when a request is evaluated.

As of May 1, 2025, YES Bank has updated its policy regarding over-limit transactions. Staying within your sanctioned limit is now mandatory for successful payments.

• Immediate Transaction Declines: Any UPI scan or online purchase that exceeds your available limit will be automatically declined in light of this update.
• No Overlimit Fees: Since the bank no longer allows you to spend beyond your cap, you will not incur any over-limit penalty fees (previously ₹500).
• Credit Score Impact: Regularly exhausting your limit increases your Credit Utilisation Ratio. To maintain a healthy credit score, it is recommended to keep your spending below 30% of your total limit.
• Risk to Automated Bills: Ensure your available limit covers any recurring "standing instructions" (E-mandates). If a bill exceeds your remaining limit, the payment will fail, potentially leading to service disruptions.

1. Use Less Than 30%: Aim to use no more than around 30% of your total limit to support credit health.
2. Review Statements Monthly: Regularly check your usage, payments, and limit updates. 
3. Avoid Sudden Spikes: Plan big purchases to avoid sudden spikes in utilisation. 
4. Pay in Full When Possible: Paying off the full balance each month helps manage interest and credit utilisation.