CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Yes Bank

Yes Klick Credit Card

45
Ranked #41 of 170 in credit
creditRuPayEntry-Digital

Yes Bank's fully virtual, lifetime-free RuPay card issued via the Kiwi app, offering simple direct cashback (not points) on UPI Scan & Pay and online spends — ideal as a no-friction digital-first starter card.

Score breakdown

Data completeness: 85% · Last verified: 09 Jul 2026

Reward value33/100 · weight 71%
≈ 1.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, fuel. Reward score is scaled by ×(1 − 0.9%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency100/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks20/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
Lifetime free
Waiver: Genuinely lifetime free, no conditions
Forex markup
2.75%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendscashback1.5%—1.5% cashback on UPI Scan & Pay transactions
online_shoppingcashback0.5%—0.5% cashback on online payments
all_spendspoints0.06%(0.25 pts @ ₹0.25)—2 pts/Rs200 on other non-UPI transactions

Welcome offer

None specified

Milestone benefits

Pros

  • 100% virtual, instant approval via Kiwi app
  • genuinely lifetime free
  • simple direct cashback (1.5% UPI Scan & Pay, 0.5% online) with no points/portal complexity
  • low 2.75% forex markup

Cons

  • No physical card option
  • fuel/rent/wallet/UPI/government transactions excluded from reward-earning (though UPI itself gets separate 1.5% cashback)
  • no lounge or premium lifestyle benefits

What's inside

More benefits

  • Fuel surcharge waiver

    1% fuel surcharge waiver across all fuel stations, capped Rs250/month

    Cap ₹3,000 / monthly.

Insurance cover

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Eligibility

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Digital KYC via Kiwi app; standard YES Bank income criteria apply

Small print

Fuel surcharge:1% waiver on fuel spends across stations, capped Rs250/month