This card offers virtual issuance, up to 5% cashback, and lounge access benefits, all managed digitally through the Kiwi app.
The YES Bank Klick Credit Card is a virtual UPI-linked Rupay card offered on Kiwi. Designed for digital-first users, it comes with zero joining fee, no renewal charges, and cashback rewards on everyday spends. Ideal for those looking to leverage UPI for credit-based transactions, this card delivers rewards, airport lounge access, and convenient payments.
Explore the essential details and benefits of the YES Bank Klick Credit Card:
| Feature |
Details |
|---|---|
| Joining Fee |
NIL |
| Annual Fee |
NIL |
| Suitable For |
UPI payments |
| Key Feature |
Only card to offer lounge access on UPI |
| Joining Bonus/Offer |
Milestone-based cashback and rewards |
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.
Neon Subscription Benefits
Earn a flat 2% cashback on all UPI Scan & Pay transactions, making daily purchases more rewarding.
Tap-to-Pay Option
On opting for a physical card, enjoy contactless payments to ensure secure and fast transactions at point-of-sale terminals.
Lounge Access
By achieving spending milestones, you can enjoy up to 3 complimentary domestic lounge visits per year, offering comfort and convenience while traveling.
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.
Zero Paperwork
The process is entirely paperless, as you complete eKYC and video KYC (vKYC) digitally, removing the need for physical documentation.
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.
Here’s how rewards are calculated, redeemed, and how much you can save with your spending through this RuPay credit card.
This section outlines the cashback rates based on your spending behavior.
| Spend Type |
Cashback Rate |
|---|---|
| UPI Scan & Pay |
2% (with Neon) |
| Online Non-UPI Spends |
0.5% |
| Milestone ₹50,000 |
3% Cashback + 1 lounge access (with Neon) |
| Milestone ₹1,00,000 |
4% Cashback + 1 lounge access (with Neon) |
| Milestone ₹1,50,000 |
5% Cashback + 1 lounge access (with Neon) |
You can redeem the Kiwi reward points you earn through regular spending. Here’s how:
Log in to the Kiwi app
Go to the Rewards History section
Click on “Transfer”, to get cashback straight to your bank account
There is no expiration for Rewards on Kiwi.
Review the applicable charges and associated costs of using the YES Bank Klick Credit Card.
| Charge Type |
Details |
|---|---|
| Joining Fee |
NIL |
| Annual Fee |
NIL |
| Neon Subscription (If Opted for) |
₹999/year + GST |
| Interest Rate |
3.99% p.m. (47.88% annualised) (effective from 2nd Dec. 2024) |
| Late Payment Charges |
Up to ₹1,200 |
| Foreign Currency Mark-up |
2.75% |
| Cash Advance Fee |
NA |
| Fuel Surcharge Waiver |
1% on ₹500-₹4,000 transactions (capping ₹250/month) |
Note: A GST of 18% is applicable on the above-mentioned charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
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 Lakh
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 verification:
PAN card and Aadhaar card for identity verification
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:
Click on ‘Check Card Offer’ and fill in the required details, including your phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your phone
Check the pre-filled details like your PAN card number, email address, residential PIN code, and income information
Apply for the card that suits your needs from the available options
Click "Submit" to complete your application
Need assistance with your YES Bank Klick Credit Card? Here’s how to get help:
Visit the official Kiwi website
Use the WhatsApp-based chatbot available through the Kiwi platform
The Kiwi app also features in-app chat and service ticket support for existing users
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.
Virtual card is issued within 3-4 working days.
Yes. You can link your existing Rupay Credit Card on the Kiwi’s platform.
Yes, rewards can be redeemed instantly for cashback which gets credited to your bank account.
Yes, Kiwi uses encryption and comply with regulatory norms.
There are no hidden charges. Only the optional Neon subscription is chargeable.
Kiwi is the official digital platform that partners with YES Bank to issue and manage the Klick Credit Card. All application processes, card management, and reward redemption happen through the Kiwi app.
Customer support is available via WhatsApp/bot on the official Kiwi website: https://gokiwi.in & within the Kiwi app.
Neon members enjoy higher cashback tiers, milestone rewards, and lounge access benefits.
No physical card is required. The card functions virtually via the Kiwi app.
Yes, milestone-based lounge access is provided, up to 3 times per year with sufficient spends with the Neon Reward Program.
Reward points, also called 'Kiwis', can be claimed as cashback which would be instantly credited to your bank account.