GainFairGainFairFor Every Fair Choice.
Independent card analysis

Kiwi / YES BANK Klick RuPay Credit Card

YES BANK (Kiwi platform) · RuPay · Entry card

Seamless UPI daily utility. Gives immediate tangible cashback on everyday street and merchant payments where credit cards were never previously accepted.

Best suited to

Young professionals and students making frequent daily UPI payments.

Authored and reviewed by GainFair
Terms checked 14 Sept 2026
Annual fee
Lifetime free
Joining fee
₹0
Base reward rate
0.5%
Forex markup
2.8%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Groceries & essentials
0.5%
Dining & delivery
0.5%
Offline store shopping
0.5%
Online shopping
0.5%
Travel & hotels
0.5%
Subscriptions & streaming
0.5%
Beauty & wellness
0.5%
Entertainment & movies
0.5%
Healthcare & pharmacy
0.5%
Other miscellaneous
0.5%
Fuel & commute
0%
Bills & utilities
0%
International spending
0%
House rent
0%
Insurance premiums
0%
Education & family
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
Not needed
Monthly income requirement
Not listed

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 4 items

  • Kiwi Scan & Pay rewards

    Usage-based value

    6 Kiwis per eligible ₹100 multiple (1.5% value) requires a merchant Scan & Pay transaction through Kiwi; P2P is not eligible.

    Conditions: 6 Kiwis per eligible ₹100 multiple (1.5% value) requires a merchant Scan & Pay transaction through Kiwi; P2P is not eligible.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Kiwi online rewards

    Usage-based value

    2 Kiwis per eligible ₹100 multiple equals 0.5% value on eligible online card transactions.

    Conditions: 2 Kiwis per eligible ₹100 multiple equals 0.5% value on eligible online card transactions.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • 1.5% cashback on eligible merchant UPI Scan & Pay under the regular rewards programme

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗

  • 0.5% cashback on eligible online transactions under the regular programme

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Fees · 1 item

  • Lifetime-free annual fee

    Recorded value ₹-0

    No annual card fee is recorded under the currently reviewed terms.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Airport lounge access · 1 item

  • Optional Kiwi Neon membership separately offers 2% Scan & Pay plus milestones and lounge perks

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    2.75% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-14Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. No universal verified numeric income threshold is used as a hard filter. No universal numeric income threshold from the reviewed issuer/partner terms is used as a hard filter.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Other benefits · 2 items

  • Instant virtual RuPay credit card issue on mobile in 2 minutes

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗

  • 1 Kiwi is worth ₹0.25; the monthly Kiwi cap equals 1% of the assigned card credit limit

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Other categories (12)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ Instant virtual RuPay credit card issue on mobile in 2 minutes
  • ✓ 1.5% cashback on eligible merchant UPI Scan & Pay under the regular rewards programme
  • ✓ 0.5% cashback on eligible online transactions under the regular programme
  • ✓ Optional Kiwi Neon membership separately offers 2% Scan & Pay plus milestones and lounge perks
  • ✓ 1 Kiwi is worth ₹0.25; the monthly Kiwi cap equals 1% of the assigned card credit limit

What to watch

Base programme cashback applies to Merchant QR codes (P2M), not personal transfers. GainFair withholds Kiwi rewards until the card limit is supplied because the issuer cap is credit-limit-based.

Recorded exclusions

Rent · Fuel Commute · Bills Utilities · Insurance · Education Family · Wallet load · Government payments · Peer to peer upi

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

Similar alternatives

Compare against

These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.

Axis Bank super.money RuPay Credit Card
Axis Bank · Entry
Compare side by side →
IOB ZET Credit Card
Indian Overseas Bank · Entry
Compare side by side →
SBM Bank ZET Credit Card
SBM Bank India · Entry
Compare side by side →

Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Eligibility ↗Rewards ↗Fees ↗Change notice ↗

Sources checked 14 Sept 2026 · Latest recorded change effective 1 Jun 2025