Yes Bank
Kiwi Klick Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹1000 Rewards
Top Benefits
Flat ₹250 Cashback (1000 Kiwis)
on the first merchant transaction made with the Yes Bank Klick Credit Card
Get 1.5% Cashback
on UPI spends and 2 reward points per ₹200 spend on non-UPI transactions
Best For
Shopping
UPI
The Kiwi Klick Credit Card, issued in partnership with YES Bank on the Kiwi app, is a fully digital RuP...
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The Kiwi Klick Credit Card, issued in partnership with YES Bank on the Kiwi app, is a fully digital RuP...
The Kiwi Klick Credit Card, issued in partnership with YES Bank on the Kiwi app, is a fully digital RuPay credit card designed specifically for everyday UPI payments. Unlike traditional plastic cards, this is a 100 percent virtual credit card that lives on your smartphone, allowing you to link it directly to your UPI apps for fast, secure scan and pay transactions. With zero joining fees and zero annual fees, it operates as a lifetime free card straight out of the gate.
This card targets salaried professionals between the ages of 25 and 60 who make frequent payments at local merchants, grocery stores, and online portals using UPI. If you earn at least Rs. 16,000 per month and want to earn rewards on transactions that usually give you nothing, this card steps in to fill that gap. By rewarding you with Kiwis (the card's reward currency) for UPI and online spends, it turns your daily chai, grocery, and utility purchases into direct cash transfers to your bank account.
View FAQ
Commonly Asked Questions
Is the Kiwi Klick Credit Card lifetime free?
Yes, this card has a Rs. 0 joining fee and a Rs. 0 annual fee, making it completely lifetime free. You do not need to hit any spending targets to keep it free.
Is this a good credit card for daily use?
It is an excellent choice for daily use because it links directly to your UPI apps. You earn reward points on standard scan and pay transactions, which makes it perfect for neighborhood shopping.
Do I get a physical plastic card?
No, this is a 100 percent virtual credit card. All your card details are stored securely within the Kiwi application for digital payments.
Who is the ideal user for this card?
The ideal user is a salaried individual earning at least Rs. 16,000 per month who relies heavily on UPI for everyday purchases and wants to earn cash rewards without paying an annual fee.
Expert Review
The Kiwi Klick Credit Card is a fascinating entry into the virtual card space. Its greatest strength is absolute simplicity. Linking a lifetime free RuPay credit card to an app to earn rewards on neighborhood UPI payments is incredibly convenient. The fact that the minimum salary requirement is just Rs. 16,000 makes it highly accessible to fresh graduates who want to start building their credit history without paying annual fees.
However, the card has a notable drawback. The marketing advertises "1.5% base cashback on UPI", but you earn 1.5 Kiwis per Rs. 100. Because 1 Kiwi is worth Rs. 0.25, the actual real-world return on your UPI spends is just 0.375 percent. To get true high-value cashback, you are pushed toward paying Rs. 999 for the Neon tier, which undermines the "lifetime free" appeal. Additionally, the Rs. 99 reward redemption fee is a harsh penalty for small spenders. If you are a heavy UPI user seeking a purely free digital card, this works perfectly. But if you expect massive reward payouts, you will need to temper your expectations.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
One of the strongest selling points of the Kiwi Klick Credit Card is its pricing structure. The card ch...
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One of the strongest selling points of the Kiwi Klick Credit Card is its pricing structure. The card ch...
One of the strongest selling points of the Kiwi Klick Credit Card is its pricing structure. The card charges a joining fee of Rs. 0. There are no hidden setup costs or card issuance charges when you first download the app and generate your virtual card. This completely removes the barrier to entry, allowing you to try the digital UPI credit experience without upfront financial commitment.
Furthermore, the card features an annual fee of Rs. 0. It is a lifetime free credit card by default. You do not have to worry about hitting complicated spending milestones just to get next year's fee waived. For example, many competing entry-level cards charge Rs. 500 a year and require you to spend Rs. 50,000 annually to waive that fee. With the Kiwi Klick card, whether you spend Rs. 5,000 or Rs. 500,000 in a year, you will not be billed a renewal fee. The only exception is if you voluntarily choose to upgrade to the Kiwi Neon subscription, which carries a separate fee of Rs. 999 to Rs. 1,179 per year.
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
The joining fee is exactly Rs. 0. You pay nothing to open the account and generate your virtual card.
Is there an annual renewal charge?
No, the standard annual fee is Rs. 0. The card remains free year after year without any basic renewal charges.
Do I need to spend a certain amount to keep the card free?
No, there are no spending conditions tied to the zero annual fee. It is unconditionally lifetime free on the standard tier.
Are there any hidden charges I should know about?
While there are no annual fees, standard credit card charges apply for late payments, foreign transactions, ATM withdrawals, and a Rs. 99 fee for redeeming rewards.
Is the Kiwi Neon upgrade mandatory?
No, upgrading to the Neon tier is completely optional. You can remain on the free standard tier indefinitely.
If I upgrade to Neon, what is the fee?
The Kiwi Neon subscription costs between Rs. 999 and Rs. 1,179 annually, including GST, to boost your cashback rates.
Can I revert to the free tier if I cancel Neon?
Users can downgrade from the Neon tier to the free standard tier at the end of the subscription cycle via the in-app support menu.
Will I be charged if I never use the card?
You will not face an annual fee, but the terms note you must make a minimum transaction of Rs. 100 within 30 days to activate the card properly.
Do I have to pay for a replacement card if I lose it?
Since this is a 100 percent virtual card stored on your phone, physical card loss is not an issue, avoiding standard replacement fees.
Eligibility
Age
Criteria*
25-60 years
Salary
Criteria*
2LPA
Credit
Rating*
760+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
Securing approval for the Kiwi Klick Credit Card requires meeting specific demographic and financial co...
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Securing approval for the Kiwi Klick Credit Card requires meeting specific demographic and financial co...
Securing approval for the Kiwi Klick Credit Card requires meeting specific demographic and financial conditions set by YES Bank. The primary applicant must fall within the age bracket of 25 to 60 years. This card is strictly targeted at salaried individuals; self-employed professionals or business owners do not qualify based on the current criteria. You must demonstrate a steady employment history with a recognized organization.
The income requirement is highly accessible. You only need a minimum monthly income of Rs. 16,000 to apply. This translates to an annual salary requirement of just Rs. 1.92 lakh, making it an excellent entry-level option for young professionals starting their careers. However, your credit history plays a major role. You must have a CRIF credit score of at least 720. For example, if you earn Rs. 25,000 per month but your CRIF score is 680 due to past missed loan payments, your application will likely face rejection. Maintaining a clean repayment history is crucial for approval.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
You must be at least 25 years old to submit an application for the Kiwi Klick Credit Card.
What is the maximum age limit for applicants?
The upper age limit is capped at 60 years at the time of application.
What is the minimum salary required?
You need a minimum monthly salary of Rs. 16,000 to qualify. For instance, an annual package of Rs. 2 lakh comfortably meets this requirement.
Can self-employed individuals apply for this card?
No, the current eligibility criteria state that only salaried individuals are eligible for this specific credit card.
What is the minimum credit score needed?
You must have a minimum CRIF score of 720 to pass the basic credit checks for this application.
What happens if I have no credit history?
First-time credit users without an existing score may face stricter verification, though approval is possible with a stable income of Rs. 16,000 or higher and a valid PAN card.
Do I need to submit physical income documents?
The process is largely digital, but you may be asked to verify your income digitally or upload recent salary slips depending on the bank's assessment.
Are non-residents eligible to apply?
The card is available only to resident Indians as it requires a local mobile number and Aadhaar for the digital UPI linking process.
Can students apply for this card?
Since the minimum age is 25 and it requires a salaried income of Rs. 16,000, regular college students generally do not meet the criteria.
Does a high income guarantee approval?
No, even with a high income, you must still meet the 720 CRIF score requirement and clear the bank's internal risk assessment.
All Card Benefits
- Get 1% to 1.5% cashback on all UPI Scan and pay transactions
- 2 reward points for every ₹200 spent on all non-UPI transactions
- Lifetime free credit card with no joining or renewal fees
- Earn rewards on daily spends with simple reward structure
Welcome Benefits
Getting started with the Kiwi Klick Credit Card comes with an immediate financial p...
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Welcome Benefits Getting started with the Kiwi Klick Credit Card comes with an immediate financial p...
Welcome Benefits
Getting started with the Kiwi Klick Credit Card comes with an immediate financial perk. When you receive your virtual card and make your first merchant transaction via the Kiwi App, you earn a flat Rs. 250 cashback in the form of 1000 Kiwis. This is a straightforward bonus that requires no minimum spending threshold beyond making that initial purchase. For example, if you scan a QR code at a bakery and pay Rs. 150 for a cake on your first day, the bank will credit 1000 Kiwis to your rewards balance, effectively covering your purchase and giving you extra value.
Reward Points Structure
The core appeal of the Kiwi Klick Credit Card lies in its rewards program, which issues points called Kiwis. On the standard free tier, you earn 1.5 Kiwis for every Rs. 100 spent on UPI Scan and Pay transactions, and 0.5 percent cashback on regular online spends. Since each Kiwi is worth Rs. 0.25, earning 1.5 Kiwis gives you an actual monetary return of Rs. 0.375 per Rs. 100 spent on UPI. For example, if you spend Rs. 10,000 in a month via UPI QR codes, you will collect 150 Kiwis. When redeemed, this equals Rs. 37.5 in direct cash.
If you choose to upgrade to the Kiwi Neon subscription, which costs between Rs. 999 and Rs. 1,179 per year including GST, your earning potential increases significantly. The Neon tier boosts your base UPI cashback to 2 percent. Furthermore, it offers milestone boosts: spending Rs. 50,000 pushes your rate to 3 percent, spending Rs. 100,000 pushes it to 4 percent, and spending Rs. 150,000 maximizes it at 5 percent. For example, hitting the Rs. 150,000 milestone on the Neon tier could earn you Rs. 7,500 in rewards, easily justifying the subscription fee if you are a heavy spender.
Fuel Benefits
While you do not earn Kiwi reward points on fuel spends, the card does provide relief at the pump through a fuel surcharge waiver. You receive a 1 percent waiver on fuel surcharges for transactions made between Rs. 500 and Rs. 3,000. The maximum waiver you can get in a single month is capped at Rs. 250. For example, if you fill up petrol worth Rs. 2,000, the standard 1 percent surcharge of Rs. 20 will be waived on your statement. To reach the Rs. 250 monthly cap, you would need to spend Rs. 25,000 on fuel, which covers the driving needs of most average commuters.
Bank Offers and Promotions
Because this card is issued in partnership with YES Bank, you get access to exclusive banking promotions. YES Bank frequently runs discount campaigns on major e-commerce platforms during festive sales. The advantage of the Kiwi Klick Credit Card is that you can combine these YES Bank instant discount offers with your standard Kiwi rewards for double the savings. For example, if YES Bank offers a 10 percent instant discount on an appliance costing Rs. 10,000, you save Rs. 1,000 instantly at checkout, while still earning your base 0.5 percent online cashback on the remaining Rs. 9,000 balance.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You simply need to make your first merchant transaction using the virtual card through the Kiwi App. Once the payment clears, you qualify for the reward.
What exactly is the welcome benefit worth?
The welcome benefit gives you 1000 Kiwis. Since 1 Kiwi equals Rs. 0.25, this translates to exactly Rs. 250 in cash value.
Is there a minimum transaction amount to trigger the welcome bonus?
While there is no massive spend requirement, the general terms state you must make a minimum transaction of Rs. 100 within 30 days to activate the card and remain eligible for rewards.
When will I receive the 1000 Kiwis?
The points are credited to your Kiwi rewards balance shortly after your first qualifying merchant transaction settles.
Can I withdraw the welcome bonus to my bank account?
Yes, once the 1000 Kiwis are in your balance, you can redeem them as a direct transfer to your linked bank account, subject to standard redemption rules.
What is the value of 1 Kiwi point?
Every 1 Kiwi point you earn is valued exactly at Rs. 0.25. This means you need 4 Kiwis to make 1 Rupee.
How many Kiwis do I earn on UPI payments?
On the standard free card, you earn 1.5 Kiwis for every Rs. 100 you spend via UPI Scan and Pay.
What is the effective cashback rate on standard UPI spends?
Earning 1.5 Kiwis per Rs. 100 gives you a true monetary return of 0.375 percent, since 1.5 multiplied by Rs. 0.25 equals Rs. 0.375.
How much do I earn on online shopping?
The card offers a 0.5 percent cashback rate on eligible online purchases, meaning a Rs. 2,000 online order earns you Rs. 10 in value.
What is the Kiwi Neon upgrade?
Kiwi Neon is a paid subscription costing between Rs. 999 and Rs. 1,179 annually that upgrades your base UPI earning rate to 2 percent and unlocks higher milestone rates.
How do the Neon milestone boosts work?
Under Neon, your cashback rate increases as you spend. Reaching Rs. 50,000 bumps you to 3 percent, Rs. 100,000 to 4 percent, and Rs. 150,000 gives you 5 percent back.
Do I earn rewards on utility bill payments?
Utility spends are excluded from earning rewards, unless the payment is made specifically on the Airtel Thanks platform.
Will I earn points if I pay my rent with this card?
No, rental payments are strictly excluded from earning any Kiwis or cashback on this card.
Do insurance premiums earn Kiwis?
No, payments made for insurance services fall under the bank's exclusion list and do not earn any rewards.
Can I earn points on jewelry purchases?
Purchases of jewelry items are explicitly excluded from the rewards program and will not generate any Kiwis.
Do wallet recharges earn points?
Wallet loading transactions are excluded. Adding Rs. 1,000 to a digital wallet will earn you zero Kiwis.
Are education fees eligible for rewards?
No, payments made for education services are excluded from earning any cashback or Kiwis.
Do I earn Kiwis on fuel purchases?
No, fuel spends are explicitly excluded from earning Kiwi reward points.
What fuel surcharge waiver does this card offer?
You get a 1 percent waiver on the fuel surcharge applied by petrol pumps.
What is the transaction limit for the fuel waiver?
To get the waiver, your individual fuel transaction must be between Rs. 500 and Rs. 3,000. Swipes below Rs. 500 or above Rs. 3,000 will not qualify.
What is the maximum fuel waiver I can get in a month?
The maximum surcharge waiver is capped at Rs. 250 per month, which equals Rs. 25,000 in eligible fuel spending.
Does the waiver include the GST charged on the surcharge?
GST on the fuel surcharge is non-refundable and remains payable by the customer, even when the 1 percent surcharge itself is waived.
Can I use this card for YES Bank sales on Amazon or Flipkart?
Yes, this card qualifies for YES Bank credit card promotions on popular e-commerce platforms.
Do I still earn Kiwis if I use an instant discount offer?
Yes, you will earn your standard Kiwi points on the final charged amount after the discount is applied to your cart.
Are there specific Kiwi app merchant offers?
The Kiwi app frequently partners with local brands to offer accelerated rewards. Check the app regularly for current promotions.
Can I get dining discounts with this card?
While the card itself does not have a dedicated dining program, you can access any dining offers that YES Bank runs for its credit card customers.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward points = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- e-vouchers
- recharge
- Mobile/DTH
To check redemption catalogue
Redeeming the rewards earned on your Kiwi Klick Credit Card is highly practical. Unlike cards that forc...
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Redeeming the rewards earned on your Kiwi Klick Credit Card is highly practical. Unlike cards that forc...
Redeeming the rewards earned on your Kiwi Klick Credit Card is highly practical. Unlike cards that force you to buy overpriced merchandise from a complicated catalogue, this card allows you to redeem your accumulated Kiwis directly into your linked bank account. The conversion rate is fixed: 1 Kiwi equals Rs. 0.25.
To initiate a redemption, you simply navigate to the rewards section of the Kiwi app (or their portal at gokiwi.in) and select the transfer option. However, it is critical to account for the redemption fee. Every time you make a redemption request, the bank charges a handling fee of Rs. 99 plus applicable GST. For example, if you have 2,000 Kiwis, their gross value is Rs. 500. After the Rs. 99 fee is deducted, you receive an effective payout of Rs. 401. Because of this flat fee, it is financially wiser to accumulate a large balance of Kiwis before redeeming, rather than making multiple small redemption requests.
View FAQ
Commonly Asked Questions
How do I redeem my accumulated Kiwis?
You can redeem your Kiwis directly through the Kiwi mobile application or via their official web portal.
Can I convert my Kiwis into actual cash?
Yes, the primary redemption method is transferring the cash value of your Kiwis instantly into your linked bank account.
What is the conversion value when I redeem?
Every 1 Kiwi converts to Rs. 0.25. Therefore, a balance of 4,000 Kiwis yields a gross value of Rs. 1,000.
Is there a fee for redeeming my rewards?
Yes, a flat reward redemption handling fee of Rs. 99 plus applicable GST is charged on every single redemption request.
How does the redemption fee affect my payout?
If you redeem Kiwis worth Rs. 1,000, the Rs. 99 fee is deducted, meaning your actual cash benefit will be Rs. 901.
Is there a minimum number of Kiwis required to redeem?
You must accumulate a minimum of 400 Kiwis (Rs. 100 value) before initiating a redemption request to cover the base redemption fee.
Do my Kiwis expire if I do not redeem them?
Kiwis earned on this card remain valid for 24 months from the date of accrual before they expire.
What happens to my Kiwis if I close my Kiwi Klick account?
You must redeem all your Kiwis before initiating account closure. Once the virtual card is closed, any remaining Kiwis are permanently forfeited.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Yes Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Yes Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform
For Spends Waiver
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform
To maximize your rewards, you must understand exactly which transactions will earn you nothing. The Kiw...
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To maximize your rewards, you must understand exactly which transactions will earn you nothing. The Kiw...
To maximize your rewards, you must understand exactly which transactions will earn you nothing. The Kiwi Klick Credit Card has a strict list of excluded categories. You will not earn any Kiwis on Fuel Spends, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, the purchase of jewelry items, cash advances, or the payment of outstanding balances and card fees. Additionally, rental payments, government services, insurance services, and education services yield zero points. Even utility spends are completely excluded unless they are specifically processed on the Airtel Thanks platform.
The real-world impact of these exclusions is important. For example, if you pay a Rs. 20,000 school fee using this card, you might expect to earn rewards, but because education is an excluded category, you earn zero Kiwis. Similarly, transferring Rs. 15,000 to your landlord for rent or topping up a digital wallet with Rs. 5,000 will simply process the payment without adding a single point to your Kiwi balance. You must focus your card usage on retail shopping, dining, groceries, and general online e-commerce to successfully accumulate Kiwis.
View FAQ
Commonly Asked Questions
Will I earn Kiwis if I buy gold or jewelry?
No, the purchase of jewelry items is strictly excluded from the rewards program. A Rs. 50,000 gold purchase earns zero points.
Do I get rewards for paying my electricity or water bill?
Utility bills are excluded from earning rewards unless you specifically make the payment through the Airtel Thanks platform.
What happens if I convert a large purchase into an EMI?
EMI transactions, as well as purchases converted to EMI after the fact, are excluded and will not earn any Kiwi reward points.
Do I earn points when paying rent to my landlord?
No, rental payments are completely excluded from generating cashback or Kiwis on this card.
Are wallet top-ups considered eligible spends?
Wallet loading transactions do not earn rewards. Adding money to apps like Paytm or Amazon Pay wallet yields zero Kiwis.
Does paying my life insurance premium earn points?
No, all payments made towards insurance services fall under the bank's excluded categories.
Will paying government taxes earn me any rewards?
Payments for government services, including tax payments, are excluded and will not contribute to your reward balance.
Do I lose money if I spend in an excluded category?
You do not lose money or face penalties simply for spending in these categories; the transaction processes normally, but you just won't earn any Kiwis for it.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2.75% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2.75% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees ₹100 redemption fee per redemption | ₹100 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹25 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹25 |
Cash Payment Fees ₹100 cash payment fee per deposit | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
Understanding the complete fee structure of the Kiwi Klick Credit Card is vital to ensuring it remains ...
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Understanding the complete fee structure of the Kiwi Klick Credit Card is vital to ensuring it remains ...
Understanding the complete fee structure of the Kiwi Klick Credit Card is vital to ensuring it remains a profitable tool for you. Below is a detailed breakdown of every charge associated with this card.
The joining fee for this card is Rs. 0. You can download the app, apply, and receive your virtual credit card without paying any upfront issuance costs, making it entirely risk-free to start.
The annual or renewal fee is also Rs. 0. This is a true lifetime free card, meaning you will not face a Rs. 500 or Rs. 1,000 charge on your first anniversary, regardless of how much or how little you spend each month.
If you do not pay your total outstanding balance by the due date, an Annual Percentage Rate (APR) or interest rate of 3.75 percent per month applies. For example, if you carry an unpaid balance of Rs. 10,000 past the due date, you will accumulate Rs. 375 in interest charges for that single month alone, which quickly compounds into heavy debt.
Regarding late payment charges, fees range from Rs. 100 to Rs. 1,300 based on the total outstanding amount. Failing to make even the minimum due payment on a Rs. 3,000 balance results in flat penalty fees starting from Rs. 500, in addition to the steep monthly interest rate.
For international usage, the card carries a foreign transaction or forex markup fee of 3.5 percent. If you travel abroad and use your card to buy a meal costing the equivalent of Rs. 10,000, the bank will add a Rs. 350 fee to your statement for processing the currency conversion.
Cash withdrawals using this credit card incur an ATM cash advance fee of 2.5 percent of the withdrawn amount, subject to a minimum of Rs. 500. For example, if you withdraw Rs. 10,000 from an ATM, 2.5 percent equals Rs. 250, but because of the minimum rule, you will be hit with a Rs. 500 fee, plus immediate interest charges.
If you intend to use this card for paying rent, a processing fee of 1% plus GST applies to all rent payment transactions. This charge applies to all rental transactions made through third-party platforms.
For booking train tickets directly through the IRCTC portal, a surcharge of 1.8% to 2% applies to all railway ticket bookings. This is a standard payment gateway fee applied to credit card transactions on the IRCTC platform.
If you choose to pay your credit card bill using physical cash at a branch, a service fee of Rs. 250 is charged for every cash payment made at a YES Bank branch. It is cheaper and faster to pay your bill digitally via the Kiwi app.
Similarly, if you drop a physical cheque to clear your dues, a fee of Rs. 100 is charged for cheque payments, with additional costs for outstation cheque clearance.
Finally, there is a strict reward redemption fee. A handling charge of Rs. 99 plus applicable GST is levied on every single request you make to convert your Kiwis into bank cash. If you redeem Rs. 500 worth of Kiwis, this Rs. 99 fee consumes nearly 20 percent of your reward value, meaning you should only redeem in large batches.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual Fee | Rs. 0 |
| Interest Rate (APR) | 3.75% per month |
| Late Payment Charges | Rs. 100 - Rs. 1,300 |
| Forex Markup Fee | 3.5% |
| ATM Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% + GST |
| Reward Redemption Fee | Rs. 99 + GST per request |
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
The joining fee is Rs. 0. There are no initial setup charges.
What is the annual renewal fee?
The card has a Rs. 0 annual fee, making it lifetime free without any spending conditions.
Is there an annual fee waiver based on spending?
Since the annual fee is already zero, you do not need to worry about meeting any spending targets for a fee waiver.
What is the interest rate if I don't pay my full balance?
The bank charges an interest rate of 3.75 percent per month on unpaid balances.
How is the interest calculated?
Interest is calculated daily from the date of the transaction if you miss the full payment. A Rs. 10,000 unpaid balance attracts Rs. 375 in interest over a 30-day period.
What are the late payment charges?
Late payment fees range from Rs. 100 to Rs. 1,300 based on the total outstanding amount on your statement.
What is the forex markup for international transactions?
The card charges a 3.5 percent forex markup fee. Spending Rs. 1,00,000 equivalent in foreign currency results in a Rs. 3,500 fee.
Can I withdraw cash using my credit card?
Yes, but you will be charged a fee of 2.5 percent of the withdrawn amount, with a minimum charge of Rs. 500.
Are there fees for paying rent with this card?
Rent payments attract a 1% convenience fee plus applicable taxes per transaction.
Is there a fee for paying my bill in cash?
A service fee of Rs. 250 is charged for every cash payment made at a YES Bank branch.
Is there a fee to redeem my reward points?
Yes, every time you redeem your Kiwi points for cash, you must pay a handling fee of Rs. 99 plus GST.
How does the redemption fee impact my rewards?
If you redeem Rs. 200 in Kiwis, the Rs. 99 fee takes away half your value. It is best to wait until you have accumulated Rs. 1,000 or more before redeeming.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Do I need to submit physical photographs?
No, your photograph is captured live during the Video KYC process.
Is an Aadhaar card mandatory?
Yes, an Aadhaar number linked to your mobile phone is required for OTP-based eKYC and address verification.
Why must I show my physical PAN card?
RBI regulations require the bank executive to verify the original, physical PAN card on video to prevent identity fraud. A photocopy or digital image is not accepted.
Will I be asked for salary slips?
While not always requested upfront, you must upload recent salary slips if the bank needs to manually verify your Rs. 16,000 monthly income.
Can I use a passport instead of Aadhaar for address proof?
While Aadhaar is preferred, you can provide other officially valid documents (OVD) like a Voter ID or Passport if the digital journey permits manual verification.
What if my current address differs from my Aadhaar?
You must upload supplementary digital proofs like a recent utility bill or rental agreement to confirm your current residence.
Who Should Get This Card?
If you are a young salaried professional making at least Rs. 16,000 a month and you use your phone to pay for everything via UPI, the Kiwi Klick Credit Card is designed for you. It appeals to budget-conscious users who refuse to pay annual fees but still want to earn a return on their daily tea, grocery, and pharmacy runs. Because it is a virtual card, it is also perfect for minimalists who do not want another piece of plastic crowding their wallet.
On the flip side, you should skip this card if you are looking for premium travel perks. There is zero airport lounge access, no dining programs, and no golf privileges. Furthermore, if you are a very high spender, the standard free tier's 0.375 percent effective return on UPI (1.5 Kiwis per Rs. 100) is low. High spenders should either pay for the Kiwi Neon subscription or look for premium cards that offer better flat-rate value.
Credit Limit and What to Expect
Your credit limit on the Kiwi Klick Credit Card is determined by YES Bank's internal underwriting algorithms, which evaluate your income, credit score, and existing debts. Since the minimum income requirement is Rs. 16,000 per month, initial credit limits for entry-level applicants range from Rs. 20,000 to Rs. 40,000. Applicants with higher salaries and CRIF scores above 750 receive significantly larger limits. As you use the card regularly for your UPI transactions and pay your total bill in full every month, the bank reviews your profile for automatic limit enhancements.
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Commonly Asked Questions
How is my initial credit limit decided?
The bank calculates your limit based on your declared monthly salary of at least Rs. 16,000, your CRIF score of 720 or higher, and any existing loans you have.
Can I request a specific credit limit during application?
No, credit limits are assigned strictly based on the bank's underwriting algorithms, not on customer requests.
Will a Rs. 16,000 salary get me a large limit?
A minimum salary results in a smaller starting limit, such as Rs. 20,000 to Rs. 30,000, keeping your debt burden manageable.
How can I increase my credit limit later?
Consistently using the card for UPI payments and paying the full statement balance on time every month is the best way to trigger an automatic limit increase offer.
Can I spend beyond my credit limit?
Exceeding your credit limit results in an over-limit fee of 2.5% of the over-limit amount (minimum Rs. 500) and may lead to transaction declines.
Is my UPI transaction limit different from my credit limit?
Your total UPI spends cannot exceed your overall credit card limit, though daily UPI payment caps set by RBI or the bank also apply.
How to Apply?
Applying for the Kiwi Klick Credit Card is a fully digital process designed for speed and convenience. You begin by downloading the Kiwi app onto your smartphone. After entering your basic details, including your PAN and employment information, the system performs a quick credit check against your CRIF score. If you meet the 720 score requirement and the Rs. 16,000 monthly income criteria, you proceed to the Video KYC stage.
Video KYC involves a brief video call with a bank representative where you must show your original PAN card. Ensure you are in a well-lit room with a stable internet connection. Because this is a co-branded virtual card, once your Video KYC is successfully verified and the bank issues final approval, your card is instantly generated within the Kiwi app. You can then immediately link it to your UPI handle and begin scanning merchant QR codes.
View FAQ
Commonly Asked Questions
Where do I start the application process?
You must download the Kiwi mobile application to initiate the credit card application process.
Is Video KYC mandatory?
Yes, completing Video KYC is required to comply with RBI regulations for opening a new credit card account digitally.
What documents do I need for the video call?
You need to keep your original physical PAN card handy. A blank piece of paper and a black or blue pen may also be needed for a live signature.
Are there location limits for Video KYC?
You must be physically present in India and within a 50 kilometer radius of your registered residential address during the call.
How long does the approval take?
Once your Video KYC is completed successfully, digital approval and virtual card generation happen quickly, often within a few hours to a couple of days.
Can I apply offline at a YES Bank branch?
Because this is an app-first virtual product, the application is streamlined through the digital Kiwi platform rather than physical bank branches.
How do I track my application status?
You can track your real-time application progress directly within the Kiwi app dashboard.
What happens if my Video KYC gets disconnected?
If the call drops due to internet issues, you can initiate a new Video KYC session through the app link provided to you.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1000 Rewards
Top Benefits
Flat ₹250 Cashback (1000 Kiwis)
on the first merchant transaction made with the Yes Bank Klick Credit Card
Get 1.5% Cashback
on UPI spends and 2 reward points per ₹200 spend on non-UPI transactions
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