Klick RuPay Credit Card – Benefits, Fees & Eligibility

Klick RuPay Credit Card

Introduction

The Klick RuPay Credit Card, offered by YES Bank in partnership with Kiwi, is a lifetime-free, 100% virtual credit card designed for modern consumers to meet their requirements for all UPI P2M payments. It eliminates joining and renewal fees, providing a world of rewards and cashbacks, and focuses on secure and easy digital transactions. This card is specially issued to enable customers to link and use it on the UPI platform. Existing YES BANK Credit Cardholders are not eligible for this card.

Welcome Benefits

• No specific welcome benefits are explicitly mentioned for this card.

Fees

• Joining Fee: Nil
• Renewal Fee: Nil
• Spend-Based Waiver: Nil (This card is lifetime free, thus no spend-based waiver is applicable).
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5%
• Interest Rates: 3.8% Monthly
• Fuel Surcharge:
  • 1% fuel surcharge waiver.
  • The rate of surcharge varies depending on fuel retail outlets and their acquiring banks, typically ranging from 1% to 2.5% + GST.
  • The total fuel surcharge waiver is capped at INR 250 per statement cycle.
  • GST levied on the surcharge will not be waived and must be borne by the cardholder.
• Cash Advance Charges: Nil
• No Reward Points Categories:
  • Rent transactions
  • Wallet transactions
  • Fuel transactions
  • Government services (MCCs: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950)
  • Marketing / Advertising category transactions (MCCs: 5960, 5962, 5964, 5965, 5966, 5967, 5968, 5969, 7311)
  • Cash withdrawals
  • Cash Advance Fee & Charges
  • Post Purchase EMI
  • EMI on Call
  • Instant EMI transactions

Rewards

• Reward Type: Reward Points / Cashback.
• Rewards Rate:
  • 2 Reward Points for every ₹200 spent on non-UPI transactions.
  • Cashback is offered on every transaction made with the card.
• Fuel Benefits: 1% Fuel Surcharge Waiver, capped at INR 250 per statement cycle (GST on surcharge not waived).
• Capping on Utility Spends: Capping of YES Rewardz Points earned on Utility Spends (MCC 4900) is 150 points per statement cycle.
• Best Suited For: Shopping.
• No Benefits for: Movies & Dining, Travel, Domestic Lounge Access, International Lounge Access, Golf, Insurance Benefits (these are explicitly listed as N/A).

Rewards Redemption Guide

• The Rewards Redemption Fee is Nil. No specific guide on how to redeem points is provided on the webpage.

Card Eligibility Criteria

• Age: Applicants should be between 18-60 years.
• Residency: Must be a resident of India.
• Credit Score: Should have a good credit score.
• Income: Must have a stable source of income.
• Exclusion: Existing YES BANK Credit Cardholders are not eligible for this card.

Card Review

The Klick RuPay Credit Card is an excellent choice for individuals seeking a credit card without annual fees, offering a hassle-free experience with significant digital benefits. Its lifetime-free nature, coupled with cashback on transactions and a fuel surcharge waiver, makes it a rewarding option for daily expenses, particularly for shopping. Being a 100% virtual card, it emphasizes secure and convenient digital payments, making it ideal for the modern consumer engaged in UPI transactions. Users can also benefit from features like instant EMI and quick loan facilities. The card is specifically designed to integrate seamlessly with the UPI platform, offering a convenient and beneficial option for a hassle-free credit card experience.

Important Product Details

• The Klick RuPay Credit Card is a 100% virtual credit card; no physical card is required.
• It is a lifetime-free card with zero joining and annual fees.
• Cardholders earn 2 Reward Points for every ₹200 spent on non-UPI transactions.
• The card offers secure and easy digital payments.
• A 1% fuel surcharge waiver is provided, capped at INR 250 per statement cycle (GST on the surcharge will not be waived).
• It is designed to be linked with UPI for Person-to-Merchant (P2M) payments.
• Features available include:
  • Instant EMI: Convert transactions as low as INR 1500 into EMIs.
  • EMI on Call: Convert payments into EMIs via phone call at attractive interest rates.
  • Quick Loan: Access a loan amount within the card's limit for immediate fund requirements.
  • YES PayNow: Automate your bill payments to be paid on time, every month.
  • E-mandate: Register standing instructions for recurring payments like bills, subscriptions, and insurance payments.
• The card is exclusively available on the RuPay network to facilitate its usage on the UPI platform.
• Reward points on Utility Spends (MCC 4900) are capped at 150 per statement cycle.
• No reward points are earned on Rent, Wallet, Fuel, Government, Marketing/Advertising transactions, Cash withdrawals, Cash Advance Fee & Charges, Post Purchase EMI, EMI on Call & Instant EMI transactions.

Other Details

• The Klick RuPay Credit Card is offered in partnership with Kiwi.
• You can link your YES BANK Credit Line to UPI, specifically with Navi Trezo - Credit Line on UPI, which is powered by Yes Bank.
• How to Apply for the Klick Credit Card:
  • Download the Kiwi App.
  • Complete the online form.
  • Finish the KYC process, including video KYC.
  • The virtual Klick Credit Card will be instantly generated on the Kiwi App.
• UPI PIN Management:
  • You can change your UPI PIN by visiting the "Account Management" section on the Kiwi App.
• Customer Service:
  • For queries or issues related to the Klick Credit Card, contact Kiwi’s 24/7 Customer Service:
    • Email: service@gokiwi.in
    • Whatsapp: +91 8147089992
  • Alternatively, you can reach out to YES Bank’s Customer Service (Toll Free numbers and Email support are available for credit card queries).
• Interest-Free Period: Cardholders can get up to 50 days of interest-free period with this card.
• How to Repay Your Klick RuPay Credit Card Bill:
  • UPI on Kiwi App: Log into your Kiwi app, navigate to your card details, select "Clear Dues" in the Bills & Repayment section, and pay via UPI.
  • For YES BANK Account Holders:
    • Net Banking: Register for Net Banking and easily make Credit Card payments online.
    • Iris by YES BANK (Mobile Banking App): Pay through your YES BANK Savings Account or any other bank account.
    • Standing Instruction: Set up an automatic debit for a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account.
  • For All Customers (including non-YES BANK account holders):
    • NEFT/IMPS/RTGS: Pay via fund transfer from other bank accounts. Add your YES BANK Credit Card as a beneficiary using IFSC code: YESB0CMSNOC.
    • Cheque Payment: Make payments by cheque, quoting your 16-digit YES BANK Credit Card Number. Drop the cheque at any YES BANK drop box in your city, mentioning your name and mobile number on the back.
    • Bill Desk Facility: Make payments through any bank’s Net Banking using the Bill Desk platform.
    • Cash Payment: Make cash payments at any YES BANK branch (refer to the Schedule of Charges for applicable fees).
    • YES Pay App: Pay your Credit Card bill with your YES BANK account or any other bank account using UPI (currently available only on Android devices).
    • YES ROBOT: Pay your Credit Card bill with your YES BANK account or any other bank account using the BillDesk facility.
• Important Documents (Resources available for download):
  • Klick RuPay Credit Card User guide (PDF, 120 KB)
  • Code of banks commitment to customers (PDF, 391 KB)
  • RuPay Credit Card MITC (PDF, 302 KB) - available in multiple regional languages including English, Assamese, Bangla, Gujarati, Hindi, Kannada, Khasi, Malyalam, Manipuri, Marathi, Mizo, Punjabi, Sindhi, Tamil, Telugu, Urdu, Odia.
  • Authorized Collection & Recovery Agencies (PDF, 86 KB)
  • Credit Card - Cardmember Agreement (PDF, 275 KB)
  • Fair Practice Code for Credit Card Operations (PDF, 154 KB)
• Quick Links:
  • Track your Credit Card application.
  • Locate your nearest branch.
  • Save your YES BANK Credit Card on multiple merchants.
  • Get Credit Card e-Welcome Kit.