YES Bank Klick RuPay Credit Card 2025
5% Cashback on UPI
Lifetime Free Virtual
1% Fuel Waiver
Milestone Lounges
Save over ₹15,000+ every year with 5% UPI + free + milestones!
UPI cashback king! YES Klick RuPay via Kiwi app gives up to 5% on UPI (Neon 2%, base 1.5%), 2 RP non-UPI, lifetime free virtual, milestone lounges.
Click for UPI rewards!
Why Choose YES Klick RuPay in 2025?
5% UPI cashback • Lifetime free • Milestone rewards • Fuel 1% • Virtual secure
Best for: UPI heavy users, cashback seekers, digital
Card At a Glance
Joining Fee
Nil
Nil
Annual Fee
Nil
Nil
Cashback
Up to 5% UPI
Up to 5% UPI
Rewards
1% Non-UPI
1% Non-UPI
Lounge
Milestone Based
Milestone Based
Forex Markup
3.5%
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Cashback Cap | ₹500/month UPI |
| Redemption Fee | Nil |
| Foreign Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Waiver | 1% max ₹250 |
| Cash Advance | 2.5% |
Detailed Reward Rates (2025)
- 5% UPI (2% Neon, 1.5% base)
- 2 RP/₹200 non-UPI
- Instant cashback to account
- Milestone: Lounge on ₹50K spend
- Excludes P2P
Airport Lounge Access
Milestone: 1 domestic on ₹50K quarterly spend
Virtual UPI focus
Insurance & Protection Benefits
- Zero fraud
- UPI secure
- Kiwi app support
- 24x7 help
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% UPI cashback | Virtual only |
| Lifetime free | Cap ₹500/month |
| Milestone lounge | 3.75% interest |
| Fuel waiver | Kiwi app needed |
| Easy UPI | |
| No fees |
Eligibility Criteria & Documents Required
- Age: 18+ years
- No income proof
- Credit Score: 650+
- Documents: PAN, Aadhaar
How to Apply Online (5-Minute Process)
- Download Kiwi app
- Apply via YES in app
- Verify Aadhaar/PAN
- Instant virtual
- Link UPI
Final Verdict – Should You Get It in 2025?
UPI cashback champ! 5% + free + milestones = ₹15K+ value. Must for UPI addicts!
Frequently Asked Questions (FAQs)
5% UPI?
Yes! Up to with Neon sub.
Virtual card?
Yes! For UPI seamless.
Milestone lounge?
Yes! On ₹50K spend.
Lifetime free?
Yes! No fees.
App required?
Yes, Kiwi for cashback.