YES BANK Klick Credit Card Review

It is a YES BANK virtual RuPay credit card that you apply for and use through Kiwi app, a UPI-first fintech app that issues and manages this card, with no joining fee and no annual fee. In simple terms, UPI Scan & Pay means scanning a merchant QR code at shops, cafés or other businesses, not sending money to friends or family.

So the real question is not whether this card is free. It is whether the UPI cashback and the card's limitations make it worth applying for in 2026.

Quick Verdict

The YES BANK Klick Credit Card is worth considering if you regularly make merchant payments through UPI and want a lifetime free RuPay credit card for everyday use. It works best as a focused UPI card for Kiwi users, but its virtual-only setup, limited premium benefits and Kiwi-linked cashback mean it is unlikely to replace a stronger primary credit card.

YES BANK Klick Credit Card: Quick Facts

Is YES BANK Klick Really Lifetime Free?

Unlike many cards marketed as "lifetime free", the YES BANK Klick Credit Card doesn't require you to meet annual spending milestones to keep the annual fee at ₹0.

That makes it one of the genuinely lifetime free credit cards available today. The card itself is lifetime free. Kiwi Neon is a separate optional paid membership and is not required to keep the card fee at ₹0. 

That said, free only covers the card fee itself. If you miss payments or carry a balance, finance charges and late fees still apply like on any other credit card.

How Does the YES BANK Klick Card Work?

• Apply inside Kiwi: Complete the application through the Kiwi app and submit the required personal and eligibility details.

• Get an instant virtual card: Once approved, the RuPay credit card is issued digitally, so you do not need to wait for a physical card.

• Link it with UPI: Add the card to a supported UPI app to start making eligible merchant payments.

• Pay merchant QR codes: Use the linked card to scan and pay at shops, cafés and other businesses that accept UPI merchant payments.

Since this is a virtual card, you'll primarily use it through supported UPI apps rather than as a physical card.

Rewards & Cashback

The card earns in three main ways:

• UPI Scan & Pay: Earn 1.5% cashback on eligible UPI merchant payments made through Kiwi.

• Online payments: Earn 0.5% cashback on eligible online payments routed through Kiwi. Do not assume every online card transaction outside Kiwi will earn the same rate.

• Non-UPI spends: Earn 2 reward points for every ₹200 spent on eligible transactions. Since these are reward points rather than direct cashback, their actual value depends on how you redeem them.

How Does Kiwi Neon Membership Work?

Kiwi Neon is an optional paid membership costing ₹999 + GST per year. It is separate from the YES BANK Klick Credit Card, so the card remains lifetime free even if you do not subscribe.

Neon increases cashback on eligible UPI Scan & Pay transactions through Kiwi from 1.5% to 2%. It also offers milestone benefits based on eligible annual spending through the Kiwi app:

• 3% effective cashback on reaching ₹50,000, plus one airport lounge pass

• 4% effective cashback on reaching ₹1 lakh, plus one airport lounge pass

• 5% effective cashback on reaching ₹1.5 lakh, plus one airport lounge pass

These milestone rates include the cashback already earned. For example, reaching the ₹1.5 lakh milestone takes your total eligible cashback to 5%; it does not provide an additional 5% over the regular cashback. Neon is more useful for users who can route substantial eligible spending through Kiwi, while light UPI users may be better off using the standard free cashback structure.

For a deeper look at how Kiwi's UPI rewards setup works, read the Kiwi Credit Card Review.

Who Should Consider the YES BANK Klick Credit Card?

This card works best for you if you already make most of your daily payments using UPI and:

• You want a lifetime free RuPay credit card

• You are comfortable using a virtual-only card

• You want a simple starter credit card

Since there is no annual fee, it's also a good secondary card to keep in your wallet even if you already have another primary credit card.

If this is your first credit card, it also helps to understand what approval, credit limit and repayment basics are before applying. The first credit card beginner’s guide explains these basics in more detail.

Who Should Avoid YES BANK Klick?

This card may not suit you if:

• Most of your UPI payments are personal transfers. RuPay credit cards on UPI can be used only for eligible merchant payments, not for sending money to friends or family.

• You do not want to use the Kiwi app. The headline cashback rates apply only to eligible payments made through Kiwi.

• You prefer a physical credit card. Klick is a virtual card designed mainly for app-based UPI payments.

In these cases, the card's UPI-focused benefits may be too limited for your needs.

Things to Know Before Applying

The headline cashback rates apply only to eligible payments made through Kiwi. Payments made through Google Pay, PhonePe, Paytm or another UPI app will not earn the same Kiwi cashback.

The following categories are excluded from YES BANK reward points, as confirmed under the card's official terms:

• Rent payments

• Wallet loads

• Fuel transactions

• UPI transactions (these earn cashback separately and are not eligible for reward points)

• Government category payments

• Marketing and advertising category spends

• Cash withdrawals

• Transactions converted to EMI (Post Purchase EMI and Instant EMI)

If you are unsure how banks classify spends, this explainer on merchant categories and credit card rewards will help.

YES BANK generally allows only one credit card per customer. Consider whether Klick's UPI-focused benefits are the right choice before applying, especially if you may prefer another YES BANK credit card.

Final Verdict: Is the YES BANK Klick Credit Card Worth It?

The YES BANK Klick Credit Card delivers exactly what it promises: a simple, lifetime free RuPay credit card that rewards eligible UPI merchant payments.

If you regularly scan QR codes at grocery stores, cafés, restaurants or local shops, it can help you earn cashback on spending that would otherwise generate no rewards.

That said, it isn't designed to replace your primary credit card. Its biggest strength is rewarding everyday UPI payments without charging an annual fee.

For many users, the best strategy is to pair it with another credit card that's better suited for shopping, travel or larger purchases.

Managing credit card rewards and loyalty programs does not have to be complicated. SaveSage brings your cards, points and transfer partner updates into one place, with AI support that helps you compare actual redemption value before you renew, apply or transfer points.

FAQs

Is YES BANK Klick Credit Card lifetime free?

Yes, the card has ₹0 joining fee and ₹0 annual fee. However, Kiwi's Neon membership costs ₹999 + GST and is required to access higher cashback rates.

How much cashback does the YES BANK Klick Credit Card offer?

The standard card offers 1.5% cashback on eligible UPI Scan & Pay transactions and 0.5% cashback on eligible online payments made through Kiwi. Higher cashback rates may require the paid Neon membership.

Do I need the Kiwi app to earn cashback?

Yes. The headline UPI and online cashback rates apply to eligible payments made through Kiwi.

What is Kiwi Neon membership?

Kiwi Neon is an optional annual membership costing ₹999 + GST. It increases eligible UPI cashback through Kiwi and offers milestone-based cashback and lounge benefits. It is separate from the lifetime free YES BANK Klick Credit Card.

Can I send money to friends using YES BANK Klick on UPI?

No, RuPay credit cards on UPI are meant for merchant payments only, not peer-to-peer transfers.