Yes Bank Klick RuPay Credit Card
YES Bank
last updated: Nov 28, 2025
₹0
₹0
3.5%
No lounge access
Contents
YES BANK Klick RuPay is a 100% virtual, lifetime-free RuPay credit card built for digital-first users. It rewards UPI and online spending with accelerated reward points, offers a 1% fuel surcharge waiver and supports linking to major UPI apps for convenient payments. Ideal for customers who want a zero-fee, digital credit solution focused on everyday digital & UPI transactions.
Features of Yes Bank Klick RuPay Credit Card which makes it unique
Zero Fees
No joining or renewal fee — positioned as a lifetime-free digital card
Low cost of ownership for frequent digital users
Better for fee-averse customers vs. mid-tier chargeable cards
UPI-First Rewards
Higher rewards for UPI merchant spends
Makes everyday scan-and-pay rewarding
Competitive vs. traditional card reward structures focused on swipes
Rewards Structure of Yes Bank Klick RuPay Credit Card
Fees & Charges of Yes Bank Klick RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Lifetime free — no renewal fee
Fee Explanation Lifetime-free card with standard interest & charges as per YES BANK rates & charges.
Additional Features of Yes Bank Klick RuPay Credit Card
Virtual Card
100% virtual — instant issuance for online & UPI use
UPI Linkable
Link card to major UPI apps for scan & pay and merchant UPI transactions
Instant EMI
Convert eligible purchases to EMI (subject to minimum txn and T&C)
Welcome Bonus with Yes Bank Klick RuPay Credit Card
Welcome Bonus: No welcome bonus
Bonus Conditions: N/A
Application Process for Yes Bank Klick RuPay Credit Card
Processing Time
Instant (virtual card); physical dispatch not applicable
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via YES BANK Klick application or partner channel
Complete digital KYC and link PAN/Aadhaar
Link the virtual card to your UPI app
Start transacting instantly using the virtual card
Required Documents for Yes Bank Klick RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
where applicableAccepted documents:
Yes Bank Klick RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide — RuPay acceptance across domestic merchants & UPI apps
International Acceptance
Limited — RuPay international acceptance depends on card variant; virtual Klick primarily for domestic/UPI
Online Acceptance
Yes — instant virtual card for online & UPI merchant transactions
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Klick RuPay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Virtual-only card; existing YES BANK credit cardholders may be ineligible. PAN and Aadhaar required for KYC.
How Approval Is Decided
- Indian resident
- Valid PAN and Aadhaar
- Basic KYC and eligibility checks (bank may check credit history)
Pros of Yes Bank Klick RuPay Credit Card
- Zero joining & annual fee — truly lifetime free
- Accelerated rewards on UPI merchant spends
- Instant virtual issuance — start using immediately
Cons of Yes Bank Klick RuPay Credit Card
- Virtual-only — no physical card for users who want embossed card
- Limited premium travel benefits (no lounge access, limited partner tie-ups)
- Lower foreign currency competitiveness due to 3.5% forex markup
Frequently Asked Questions about Yes Bank Klick RuPay Credit Card
Is there a joining or annual fee?
No — YES BANK Klick RuPay is a lifetime free virtual credit card with no joining or renewal charges.
How do I use Klick RuPay for UPI payments?
Link your Klick RuPay credit card in supported UPI apps (Google Pay, Phone Pay, Paytm) and use it for merchant UPI payments as per app flow.
What rewards will I earn on UPI and card spends?
Typically 4 Reward Points per ₹200 on eligible UPI merchant spends and 2 Reward Points per ₹200 on non-UPI spends (refer to bank T&C for exact slabs).
Is there a fuel surcharge waiver?
Yes — a 1% fuel surcharge waiver is available at participating fuel stations (T&C apply).
Can I get a physical card?
Klick is offered as a virtual card primarily; physical card issuance may not be available for this product.
What is the forex markup on international spends?
Foreign currency markup is typically 3.5% (refer to YES BANK rates & charges for exact current rate).
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
