Kiwi Credit Card (Yes Bank Klick RuPay) credit card by Yes Bank

Yes Bank

Kiwi Credit Card (Yes Bank Klick RuPay)

Free Rupay UPI‑centric card: instant cashback, lounge voucher & virtual onboarding

★★★★☆
4 / 5 (150 reviews)
CashbackUPILounge AccessZero Forex
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Benefits Key Facts Pros & Cons Who It's For FAQs

Key Benefits & Features of Kiwi Credit Card (Yes Bank Klick RuPay)

  • Lifetime free virtual credit card
  • 1% cashback on UPI "scan‑and‑pay" (2% for Neon members, upto 5% via milestones)
  • 0.5% cashback on online spends
  • Instant cashback credited to bank
  • 1% fuel surcharge waiver
  • Domestic lounge access voucher with Neon membership

Kiwi Credit Card (Yes Bank Klick RuPay) — Card Details

Annual Fee
Lifetime Free
Joining Bonus
None
Income Required
50000+
Salary Proof
Required
Approval Rate
90%
Processing Time
Instant (Neon virtual card); physical in 2‑5 days
Best For
Cashback, UPI

Pros & Cons of Kiwi Credit Card (Yes Bank Klick RuPay)

Pros

  • Lifetime free — zero annual charges
  • Very high approval rate (90%)
  • Complimentary airport lounge access
  • Zero forex markup for international use
  • Lifetime free virtual credit card

Cons

  • Income/salary proof required
  • Benefits may change at bank's discretion

Who Should Apply for Kiwi Credit Card (Yes Bank Klick RuPay)?

The Kiwi Credit Card (Yes Bank Klick RuPay) is best suited for individuals whose primary spending falls in Cashback and UPI. Since it is lifetime free, it is ideal for anyone who wants solid benefits without worrying about recurring annual charges. You'll need to submit standard income proof (salary slip or ITR) as part of the Yes Bank application. With an approval rate of 90% and processing in Instant (Neon virtual card); physical in 2‑5 days, this card is one of the easier options to get approved for.

Frequently Asked Questions — Kiwi Credit Card (Yes Bank Klick RuPay)

The Kiwi Credit Card (Yes Bank Klick RuPay) is lifetime free — there is no joining fee or annual fee ever.

Yes Bank typically processes the Kiwi Credit Card (Yes Bank Klick RuPay) in Instant (Neon virtual card); physical in 2‑5 days. The actual timeline depends on your credit score, income documents, and internal bank verification.

Yes. Yes Bank requires income proof such as a salary slip or ITR as part of the standard application process for the Kiwi Credit Card (Yes Bank Klick RuPay).

Checking your eligibility on CreditPlanner.in is a soft check and does not impact your CIBIL score. However, submitting a formal application to Yes Bank will trigger a hard enquiry on your credit report.

Lifetime free virtual credit card. 1% cashback on UPI "scan‑and‑pay" (2% for Neon members, upto 5% via milestones). 0.5% cashback on online spends.

The Kiwi Credit Card (Yes Bank Klick RuPay) is best suited for individuals who spend on Cashback and UPI. Being lifetime free, it is ideal for those wanting benefits without recurring charges.

Disclaimer: Information about Kiwi Credit Card (Yes Bank Klick RuPay) — including fees, benefits, and eligibility — was accurate as of 2026-03-28 but may change without notice. Always verify details directly with Yes Bank before applying. Approval is solely at the bank's discretion. CreditPlanner.in may earn affiliate commissions on successful applications; this does not influence our ratings or rankings.