A Detailed Review of YES Bank Klick Credit Card

YES Bank Klick Credit Card is a 100% virtual credit card for all UPI P2M payments. It rewards every transaction, including non-UPI payments, made for shopping and daily purchases.

So, think of this card as a virtual bridge between your credit limit and your daily UPI payments. It eliminates the need for a physical plastic card once you link it to the Kiwi app or any other UPI app (like BHIM, PhonePe, or Google Pay). 

This virtual card suits modern users who prefer secure app-based payments. Still curious to know more? Keep reading!

Yes Bank Klick Credit Card Benefits

Just like any other YES Bank credit card, the billing cycle for the YES Bank Klick Credit Card is 30 days, which is interest-free. Apart from this, the card offers the following benefits: 

1. Joining and Annual Fee: Zero joining and annual fees.
2. Payment Safety: 100% virtual card for secure, safe and hassle-free payments.
3. Quick Loan: Get a quick loan with attractive interest rates between 13% to 30% with your YES Bank Klick Credit Card. The loan amount is capped at the credit limit of the card. 
4. Surcharge Waiver: 1% fuel surcharge waiver is offered to cardholders. 
5. Instant EMI: You can pay in instalments for all your payments as low as ₹1500 with this card. 
6. Rewards: Earn 2 reward points in the form of ‘Kiwis’ on every ₹200 spent on non-UPI transactions.

Note: Existing YES Bank credit cardholders do not qualify for the YES Bank Klick Credit Card.

What Are the Steps to Access Klick Credit Card Details on the App?

1. Download and open the Kiwi app on your mobile device.
2. Tap on the card visible on your home screen.
3. Enter the OTP received from the bank for verification.
4. Select the option to view card information.
5. Access card number, CVV, expiry date, and cardholder name.
6. Manage details securely through the YES Bank Klick Credit Card login.

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What Is the Process to Activate Klick Rupay Credit Card on UPI Apps?

1. Download Kiwi UPI app and log in.
2. Select ‘Activate Credit Card’ on the home screen.
3. Follow the guided steps to link the Klick RuPay Credit Card.
4. Use the same UPI PIN as MPIN for existing users.
5. Set a new UPI PIN if prompted during setup.
6. Complete linking instantly within the app.

How to Make UPI Payments Using YES KlicK Rupay Credit Card?

1. Open the Kiwi UPI app and scan the merchant QR code.
2. Choose Kiwi UPI during checkout if available.
3. Enter the transaction amount.
4. Select the YES Bank RuPay Credit Card from the list.
5. Enter your UPI PIN to confirm payment.
6. View instant success confirmation on the app.

YES Bank Klick Credit Card Charges

1. Klick Credit Card is a lifetime free card with nil joining or annual fees.
2. Finance charges apply at 3.99% monthly or 47.88% annually on dues.
3. No late fee applies when the total outstanding stays up to ₹500.
4. Above ₹500, late fee equals 10% of the balance or ₹1,350, whichever is lower.
5. Foreign currency conversion charges for this credit card is 2.75%. 
6. Dynamic currency conversion charges is 1%. 
7. The maximum surcharge waiver per payment cycle for the Klick Credit Card is ₹250. 

💡But why bear the burden of late payment fees when you can simply download the Pice App? It sends payment date notifications, lets you pay credit card bills and also tracks the payment status.

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Conclusion

The YES Bank Klick Credit Card redefines everyday payments by seamlessly integrating credit with UPI. With zero fees, instant rewards, secure virtual usage, and broad acceptance, it’s ideal for digital-first users seeking convenience, flexibility, and smarter spending without the need for a physical card.

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