Card Details
YES BANK RuPay Credit Card
Card Issuer
YES BANK
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Earn Points
4 pts/₹200
On UPI transactions above ₹2,000
2 pts/₹200
On other online spends
Benefits
4 YES Rewardz pts/₹200 on UPI spends above ₹2k
- Accelerated rewards on UPI merchant payments
- Earn 4 YES Rewardz pts/₹200 on UPI transactions above ₹2,000
- Other card spends earn 2 pts/₹200
- Total earnings limited to 5,000 points per month
- No rewards on rent, wallet loads, fuel, government and other excluded categories
Lifetime-free virtual RuPay card
- No joining or renewal fee
- Nil joining fee
- Nil annual/renewal fee
- Virtual-only card; no physical plastic issued
1% fuel surcharge waiver
What Users Are Saying
Community Feed
Jul 2024
“Got this on my WhatsApp, the card is Yes Bank Klick”
by r/CreditCardsIndia, Jul 2024
“Why Kiwi Yes Bank CC is my preferred Rupay UPI credit”
by r/CreditCardsIndia, Jul 2025
“Yes bank pop card is it good”
by r/CreditCardsIndia, Sep 2025
“Yes bank kiwi rupay card”
by r/IndianCreditCards, Sep 2025
“Advice Needed: YES Bank Klick Rupay Credit Card”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The YES BANK RuPay Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because YES Bank prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
Things to Keep in Mind
YES Rewardz earnings capped at 5,000 points per month with additional category exclusions (rent, wallet loads, fuel, government, marketing/advertising, cash, EMI transactions).
Card is virtual-only with separate statements and bill payments for linked YES BANK cards.
Additional reward exclusions effective 15 June 2026 for insurance, education, railways, toll, ferry, and jewellery
FAQ indicates merchant UPI payments orientation (not P2P/card-to-card)
