• Frequent UPI Spenders

  • Pay merchants using UPI QR, earn 2 Rewards for every Rs. 200 spends.

• Digital-Native Shoppers

  • Quick linking to UPI apps and virtual credit card support for secure online and offline transactions.

• Vehicle Owners

  • Save on fuel surcharge every month—with no annual fees.

• Entry-Level & Value-Oriented Cardholders

  • Unlimited, automatic rewards with no fees, no complex categories, easy onboarding.

Limitations:

• No reward for UPI peer-to-peer or wallet loads; only QR merchant spends count.

• No lounge access, travel insurance, or premium perks.

• Card is virtual only—some merchants may not accept card-not-present transactions.

• Lifetime Free: No joining/annual fees, no renewal fees.

• Finance Charges: 3.99%–3.8% per month if carrying a balance.

• Foreign Currency Markup: 2.75%–3.5% on global spends; designed for domestic use.

• Utility/Education Charges: 1% + GST if payments exceed set limits (utility: ₹15,000/month).

• Rewards Redemption Fee: None for cashback, up to ₹100 for catalogue redemptions.

• Card Delivery: 100% virtual—no physical variant issued.

Eligibility Criteria

• Age: 21–60 years.

• Income: Stable income required; salaried or self-employed; good CIBIL score advisable.

• KYC: Aadhaar, PAN, video KYC—all digital onboarding.

• Not available to existing YES BANK credit card holders.

Usage Tips

• Only merchant UPI payments (not peer or wallet) earn rewards.

• Track monthly fuel and utility payments to avoid non-rewarded transactions and excess fee.

• Use Kiwi, PhonePe, Paytm, or other apps for UPI linking; onboarding is quick and seamless.

• YES Rewardz Portal

  • Convert reward points into statement credit, e-vouchers, or catalogue merchandise; ₹0.25 per reward point is typical.

• Kiwi App

  • Redeem instant cashback for eligible transactions.

• Best Practice

  • Take statement credit for direct cashback value—no redemption fee, instantly offsets bills.

  • Use Kiwi for tracking, redeeming, and app-only offers.

• UPI Superusers: Maximize merchant QR spends for top rewards.

• Digitally Robust Spenders: Prefer all-virtual onboarding, instant card use, and zero paperwork.

• Value Hunters: Want a lifetime-free card with real rewards for daily use.

• Minimalists: Hate T&C complications—use a single card for all UPI purchases and fuel, pay digitally, get instant cashback.

Strengths

• Lifetime free for cardholders; true zero-cost usage.

• Instant onboarding and redemption—digital-first, no paperwork needed.

• Inclusive: covers groceries, dining, retail, fuel; rewards are automatic, simple, and predictable.

Limitations

• Exclusively virtual card—not usable for physical card-based features like ATM or POS swipes at some stores.

• No peer UPI, wallet loads, or rent payments included in rewards.

• Not for travel/insurance seekers—lacks lounge or premium benefits.

• Fast Apply: Download Kiwi app, complete KYC and video verification, get instant approval.

• Documentation: Aadhaar, PAN and income proof are required; ensure eligibility as a new YES BANK card applicant.

• Rewards Maximization: Focus on merchant QR spends over ₹2,000, use statement credit for fastest value.

• Fee Avoidance: Watch out for non-merchant spends (wallet loads, rent, fees) and utility bill excess; avoid these for best returns.

• Track Usage: Monitor monthly rewards, pay full bills on time to avoid finance charges.

For India’s UPI-first, digital lifestyle, YES BANK Klick RuPay delivers the ultimate combination of convenience, rewards, and lifetime-free card peace of mind.