Kiwi / YES BANK Klick RuPay + Neon
YES BANK (Kiwi platform) · RuPay · Entry card
Neon can materially outperform the free plan for customers who route enough eligible merchant UPI spend through Kiwi, while keeping the underlying credit card free.
Regular Kiwi Scan & Pay users likely to cross at least ₹50,000 of eligible spending during the membership year.
Terms checked 24 Sept 2026
- Annual fee
- ₹0 + GST
- Joining fee
- ₹0
- Base reward rate
- 0%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 0% |
| Dining & delivery | 0% |
| Fuel & commute | 0% |
| Offline store shopping | 0% |
| Bills & utilities | 0% |
| Online shopping | 0% |
| Travel & hotels | 0% |
| Subscriptions & streaming | 0% |
| Beauty & wellness | 0% |
| Entertainment & movies | 0% |
| International spending | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
| Healthcare & pharmacy | 0% |
| Other miscellaneous | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
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 · 3 items
Published merchant-type exclusions
Usage-based valueThe published agricultural, automotive, government, professional-service, toll, real-estate, gift-card and financial-institution merchant types earn no Neon rewards.
Conditions: The published agricultural, automotive, government, professional-service, toll, real-estate, gift-card and financial-institution merchant types earn no Neon rewards.
Kiwi Scan & Pay cashback
Usage-based valueEight Kiwis per ₹100 only on eligible merchant QR transactions completed through Kiwi Scan & Pay.
Conditions: Eight Kiwis per ₹100 only on eligible merchant QR transactions completed through Kiwi Scan & Pay.
Kiwi online-payment cashback
Usage-based valueTwo Kiwis per ₹100 only on eligible online transactions redirected to and completed through Kiwi.
Conditions: Two Kiwis per ₹100 only on eligible online transactions redirected to and completed through Kiwi.
Fees · 2 items
Annual card fee
Recorded value ₹-0₹0 annual fee before applicable tax.
Kiwi Neon membership
Cost ₹999₹999 recurring programme fee before GST.
Spend milestones · 3 items
₹50,000 milestone
Usage-based value3% effective milestone reward rate and 1 lounge pass.
Conditions: Reach ₹50,000 eligible merchant UPI spending
Exclusions: fuelCommute · billsUtilities · educationFamily · goldJewellery · rent · insurance · wallet_load · cash_withdrawal · fees_charges · government_payments · tolls · real_estate · gift_cards · financial_institutions
₹1 lakh milestone
Usage-based value4% effective milestone reward rate and 2 lounge passes.
Conditions: Reach ₹1,00,000 eligible merchant UPI spending
Exclusions: fuelCommute · billsUtilities · educationFamily · goldJewellery · rent · insurance · wallet_load · cash_withdrawal · fees_charges · government_payments · tolls · real_estate · gift_cards · financial_institutions
₹1.5 lakh milestone
Usage-based value5% effective milestone reward rate and 3 lounge passes.
Conditions: Reach ₹1,50,000 eligible merchant UPI spending
Exclusions: fuelCommute · billsUtilities · educationFamily · goldJewellery · rent · insurance · wallet_load · cash_withdrawal · fees_charges · government_payments · tolls · real_estate · gift_cards · financial_institutions
Airport lounge access · 4 items
₹50,000 eligible annual Kiwi spend lifts effective total cashback to 3% and unlocks one lounge pass
Shown without a cash value₹1 lakh eligible annual Kiwi spend lifts effective total cashback to 4% and unlocks a second lounge pass
Shown without a cash value₹1.5 lakh eligible annual Kiwi spend lifts effective total cashback to 5% and unlocks a third lounge pass
Shown without a cash valueEach lounge pass is valid for six months, for the member only, for a maximum two-hour visit through the in-app QR route
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: existing cardholder upgrade. No universal verified numeric income threshold is used as a hard filter. Neon is available only to selected qualifying users whose credit card was issued through the Kiwi app on or after 4 July 2024.
Conditions: Issuer relationship required
Other benefits · 2 items
2% on eligible Kiwi Scan & Pay merchant UPI
Shown without a cash value0.5% on eligible online payments redirected into Kiwi
Shown without a cash value
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2% on eligible Kiwi Scan & Pay merchant UPI
- ✓ 0.5% on eligible online payments redirected into Kiwi
- ✓ Effective total rewards of 3%, 4% or 5% at annual eligible-spend milestones
- ✓ One lounge pass at each achieved milestone, up to three yearly
What to watch
Neon costs ₹999 plus GST yearly and is available only to selected qualifying Kiwi cardholders. The 2% rate requires the exact Kiwi Scan & Pay route, milestone rates include regular cashback already earned, and many MCCs are excluded.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Gold Jewellery · Rent · Insurance · Wallet load · Cash withdrawal · Fees charges · Government payments · Tolls · Real estate · Gift cards · Financial institutions
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.
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.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 1 Feb 2025