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Klick RuPay Credit Card VS YES Bank BYOC Credit Card VS YES Bank EMI Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 18 July 2026
Klick RuPay Credit Card
Klick RuPay Credit Card
YES Bank BYOC Credit Card
YES Bank BYOC Credit Card
YES Bank EMI Credit Card
YES Bank EMI Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹49 + GST
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹49 + GST
Renewal Fee₹499 + GST
Spend Based WaiverNil (as it is a lifetime-free card)
Spend Based Waiver1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.
Spend Based WaiverRenewal fee of Rs. 499 waived on spending Rs. 1.2 lakhs or more in the previous anniversary year.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% of the total transaction amount
Foreign Transaction Fees3.5% of the total amount
Interest Rate (APR)3.8% Monthly
Interest Rate (APR)3.80% per month
Interest Rate (APR)Revolving Credit: 3.5% per month; EMI Transactions: 16% per annum.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Welcome Bonus
Rewards RateEarn 2 Reward Points for every ₹200 spent on non-UPI transactions.
Rewards Rate1% cashback on all retail spends or 8 Reward Points on every Rs. 200 spent.
Rewards Rate
Up to 3% cashback on YES Cart (capped Rs. 1,000/month) & 1% on other retail (capped Rs. 500/month).
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary domestic airport lounge access every quarter (4 times every year).
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits1 complimentary domestic airport lounge access every quarter.
Travel Benefits
Movie Benefits
Movie BenefitsAccelerated cashback on BookMyShow via optional plans.
Movie Benefits
Dining Benefits
Dining BenefitsAccelerated cashback on Swiggy via optional plans.
Dining Benefits
Golf Benefits
Golf Benefits4 complimentary rounds of golf every year and 1 complimentary golf lesson each calendar month.
Golf Benefits
Fuel Surcharge Waiver1%
Fuel Surcharge Waiver1% surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.
Fuel Surcharge Waiver1% waiver capped at Rs. 250/month on fuel purchases between Rs. 400 and Rs. 5,000.

Security & Other

Insurance Benefits
Insurance Benefits
Insurance Benefits
Cash Advance ChargesNil
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum of Rs. 300.
Cash Advance Charges2.5% of withdrawn amount or minimum Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Klick RuPay Credit Card

YES Bank BYOC Credit Card

YES Bank EMI Credit Card

Who is it for?

The Klick RuPay Credit Card by Yes Bank and Kiwi is a lifetime-free virtual credit card, perfect for modern consumers seeking value. It offers zero joining and renewal fees, cashback on all transactions, and a 1% fuel surcharge waiver, making everyday spending more rewarding. With secure digital payments and UPI functionality, this card provides a convenient and hassle-free experience for managing daily expenses.

Who is it for?

The YES Bank BYOC Credit Card is a highly customizable credit card that allows cardholders to personalize both its physical appearance and their rewards plan. It offers the flexibility to choose between a cashback or reward points program, along with optional accelerated cashback on popular merchants. With additional perks like complimentary domestic lounge access and golf privileges, this card is ideal for individuals seeking a tailored and versatile spending experience.

Who is it for?

The YES Bank EMI Credit Card is a mid-range credit card designed for individuals who prefer converting large transactions into EMIs. It offers automatic EMI conversion for transactions above Rs. 5,000, along with attractive cashback benefits of up to 3% on selected purchases. With an affordable annual fee that can be waived, this card is ideal for those prioritizing payment flexibility and cashback on everyday spending, though it lacks traditional lifestyle perks.

Pros

Key benefits and features.

No joining or renewal fees make the Klick RuPay Credit Card highly economical.

Enjoy guaranteed cashback on every transaction made with the Klick RuPay Credit Card.

Benefit from a 1% fuel surcharge waiver, significantly reducing fuel expenses.

The Klick RuPay Credit Card is 100% virtual, offering instant access and secure digital payments.

Seamlessly make UPI payments directly from your Klick RuPay Credit Card for daily needs.

Pros

Key benefits and features.

Highly customizable, allowing choice of card type, image, and rewards program.

Flexibility to earn 1% cashback or 8 Reward Points per Rs. 200 spent.

Access accelerated cashback plans on popular merchants like Swiggy and Uber.

Enjoy complimentary domestic airport lounge access once every quarter.

Benefit from 4 complimentary golf games and monthly golf lessons annually.

Pros

Key benefits and features.

Offers unique automatic EMI conversion for large transactions, enhancing payment flexibility.

Features an affordable annual fee that can be easily waived based on spending.

Provides decent cashback benefits, including up to 3% on YES Cart purchases.

Ideal for users prioritizing EMI flexibility and cashback on daily retail spending.

Cons

Key drawbacks and limitations.

The reward rate of 2 points per ₹200 on the Klick RuPay Credit Card is relatively low.

Klick RuPay Credit Card lacks premium benefits like lounge access or travel discounts.

A foreign currency markup of 3.5% on the Klick RuPay Credit Card is quite high.

The Klick RuPay Credit Card does not offer any specific welcome or milestone benefits.

Cons

Key drawbacks and limitations.

Incurs a monthly membership fee of Rs. 49 + GST, adding to the cost.

Additional one-time fees apply for premium card variants like Metal or Eco-friendly.

A significant foreign currency markup of 3.5% on all international transactions.

Cash advance charges are 2.5% of the amount, with a minimum of Rs. 300.

No rewards or cashback are earned on fuel, EMI, or cash withdrawal transactions.

Cons

Key drawbacks and limitations.

Lacks common lifestyle benefits like movie, dining, travel, lounge, or insurance perks.

No cashback is earned on transactions that are converted into EMIs.

Foreign currency markup of 3.5% is relatively high for international spends.

Cashback is capped at Rs. 1,000/month on YES Cart and Rs. 500/month on other retail.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Klick RuPay Credit Card(opens in new tab)Apply for YES Bank BYOC Credit Card(opens in new tab)Apply for YES Bank EMI Credit Card(opens in new tab)