Kiwi RuPay Credit Card (YES Bank Klick) review
YES Bank · RuPay · cashback best rates unverified: app conditions Partly verified Checked 30 Oct 2026
Verify before applying. We read 4 issuer documents for this card (Kiwi Rewards Terms and Conditions; YES BANK Credit Card MITC CMITC_V18_05102026), but some figures rest on 2 secondary sources (CardAdvisor Kiwi RuPay; CardTrail Kiwi RuPay) and are not confirmed in the bank's own terms. Check the issuer's current terms (MITC) first; every source is listed at the bottom with its check date.
At a glance
- Annual fee
- ₹0
- Joining fee
- ₹0
- Fee waiver
- Not needed (no annual fee)
- Base return
- 0.5% base
- Point value
- ₹0.25 per point
- Domestic lounge
- None found
- International lounge
- None found
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹1,368 | 0.8% |
| Metro salaried ₹60k a month | ₹4,770 | 0.7% |
| Family household ₹80k a month | ₹6,240 | 0.7% |
| Frequent flyer ₹1.5L a month | ₹11,280 | 0.6% |
| Online shopper ₹50k a month | ₹3,840 | 0.6% |
| Rent-heavy ₹90k a month | ₹5,400 | 0.5% |
Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹1,368 (first card, light spender) to ₹11,280 (frequent flyer), equal to 0.5% to 0.8% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: A RuPay card you use through the Kiwi UPI app: 1.5% (6 Kiwis per ₹100) on Scan & Pay UPI payments through the app, 0.5% on online spends, and monthly earning capped at 1% of your credit limit. A Kiwi is worth ₹0.25. Fuel, utilities, rent, insurance and wallet loads earn nothing, and the forex markup is 3.5% on the YES Bank variant, which is the only one we verified (Kiwi assigns the issuing bank, and AU and PNB variants exist). We assume half of eligible spend goes through Scan & Pay, so treat the ranking as a best case.
From the card's terms: strengths
- No annual fee
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Amazon, Flipkart, Other online shopping, Flights & hotels, Entertainment & OTT | 2 | ₹0.5 | No cap found | Online transactions earn 0.5% (2 Kiwis per ₹100) for cards issued since 4 Jul 2024, non-Neon. Monthly Kiwis capped at 1% of credit limit. |
| Fuel, Rent, Bills & utilities | 0 | ₹0 | No cap found | Fuel, telecom/utilities, rent, insurance, government, gift cards, wallets, education excluded MCCs. |
| International (foreign currency) | 0 | ₹0 | No cap found | Forex markup 3.5% on Klick (YES Bank MITC V18: 2.75% before 15 Jun 2026, 3.50% effective 15 Jun 2026); no Kiwis on foreign spend modelled. |
| Everything else, Groceries, Dining & food delivery | 6 | ₹1.5 | No cap found | Scan & Pay UPI via the Kiwi app earns 1.5% (6 Kiwis per ₹100), in multiples of ₹100. Assumes spend paid by UPI QR through Kiwi app. Monthly cap = 1% of credit limit (limit varies per user; not modelled). Applies only to payments made via Kiwi Scan & Pay; we assume half of eligible spend. |
| Everything else, Groceries, Dining & food delivery | 2 | ₹0.5 | No cap found | Spend not paid via Kiwi Scan & Pay assumed to earn the documented 2 Kiwis per ₹100 online rate (unverified for offline). |
Point value: 1 Kiwi = ₹0.25 (4 Kiwis = ₹1), redeemable into UPI-linked account; min 500 Kiwis, multiples of 500 (official Kiwi rewards policy).
Excluded or reduced
- Only payments made through the Kiwi app earn Kiwis
- Fuel, utilities/telecom, rent, insurance, government/tax, education, gift cards, wallet loads, jewellery, financial institutions, tolls
- Kiwis awarded only in multiples of ₹100; monthly earning capped at 1% of credit limit
Other benefits
- Optional Neon membership ₹999 + GST per year (select YES/AU users) for higher rewards - not modelled
- 1% fuel surcharge waiver on ₹500-3,000 transactions, cap ₹250 per statement cycle (YES Bank MITC V18)
- Finance charge 3.99% per month (YES Bank MITC V18)
- AU KOSMO (AU MITC 12 Oct 2026): forex markup 3.49%, finance charge 3.75% per month (45% p.a.), fuel surcharge waiver up to ₹100 per statement month on ₹400-5,000 transactions
- PNB Kiwi (PNB MITC): finance charge 2.95% per month (35.89% p.a.); foreign currency conversion factor 3.50% (generic clause; Luxura zero); cash advance 2% or ₹150 whichever higher for Go Kiwi
Eligibility
Age 22-55, salaried or self-employed (aggregator). not confirmed in an issuer document: check the application page
Compare
Related guides
- How to read a credit card MITC
- Fuel surcharge waivers explained
- Forex markup and using a card abroad
- RuPay credit cards on UPI
- Credit card devaluations and what to do
FAQ
What is the annual fee of the Kiwi RuPay Credit Card (YES Bank Klick)?
No annual fee. Fees exclude 18% GST.
How do Kiwi RuPay Credit Card (YES Bank Klick) rewards work?
0.5% base, 1.5% at partners, capped. 1 Kiwi = ₹0.25 (4 Kiwis = ₹1), redeemable into UPI-linked account; min 500 Kiwis, multiples of 500 (official Kiwi rewards policy).
Does the Kiwi RuPay Credit Card (YES Bank Klick) give airport lounge access?
We did not find lounge access on this card in the sources we checked.
Who is the Kiwi RuPay Credit Card (YES Bank Klick) best suited to?
A RuPay card you use through the Kiwi UPI app: 1.5% (6 Kiwis per ₹100) on Scan & Pay UPI payments through the app, 0.5% on online spends, and monthly earning capped at 1% of your credit limit. A Kiwi is worth ₹0.25. Fuel, utilities, rent, insurance and wallet loads earn nothing, and the forex markup is 3.5% on the YES Bank variant, which is the only one we verified (Kiwi assigns the issuing bank, and AU and PNB variants exist). We assume half of eligible spend goes through Scan & Pay, so treat the ranking as a best case. There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹1,368 (first card, light spender) to ₹11,280 (frequent flyer), equal to 0.5% to 0.8% of spend across the profiles.
Sources
- Kiwi Rewards Terms and Conditions (official, gokiwi.in) official fetched 2026-10-30
- CardAdvisor Kiwi RuPay (YES Bank rates, 11 Oct 2026) aggregator fetched 2026-10-29
- CardTrail Kiwi RuPay aggregator fetched 2026-10-29
- YES BANK Credit Card MITC CMITC_V18_05102026 (Klick rows) official fetched 2026-10-30
- AU Small Finance Bank credit card MITC with schedule of charges (official PDF, dated 12 Oct 2026; AU KOSMO rows) official fetched 2026-10-30
- PNB Most Important Terms & Conditions for Retail Credit Cards (official PDF; PNB Kiwi co-brand rows) official fetched 2026-10-30
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with YES Bank before you apply. Methodology.
