{"id":84488,"date":"2026-01-14T15:32:33","date_gmt":"2026-01-14T10:02:33","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84488"},"modified":"2026-01-14T15:33:08","modified_gmt":"2026-01-14T10:03:08","slug":"yes-bank-klick-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/yes-bank-klick-credit-card\/","title":{"rendered":"A Detailed Review of YES Bank Klick Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>YES Bank Klick Credit Card is a 100% virtual RuPay credit card for UPI P2M payments.<\/li>\n\n\n\n<li>It comes with zero joining and annual fees, making it lifetime free.<\/li>\n\n\n\n<li>Users earn rewards on both UPI and non-UPI transactions.<\/li>\n\n\n\n<li>The card can be linked easily with Kiwi and other UPI apps.<\/li>\n\n\n\n<li>It offers features like fuel surcharge waiver, instant EMI, and quick loans.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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).&nbsp;<\/p>\n\n\n\n<p>This virtual card suits modern users who prefer secure app-based payments. Still curious to know more? Keep reading!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#yes-bank-klick-credit-card-benefits\">Yes Bank Klick Credit Card Benefits<\/a><\/li><li><a href=\"#what-are-the-steps-to-access-klick-credit-card-details-on-the-app\">What Are the Steps to Access Klick Credit Card Details on the App?<\/a><\/li><li><a href=\"#what-is-the-process-to-activate-klick-rupay-credit-card-on-upi-apps\">What Is the Process to Activate Klick Rupay Credit Card on UPI Apps?<\/a><\/li><li><a href=\"#how-to-make-upi-payments-using-yes-klic-k-rupay-credit-card\">How to Make UPI Payments Using YES KlicK Rupay Credit Card?<\/a><\/li><li><a href=\"#yes-bank-klick-credit-card-charges\">YES Bank Klick Credit Card Charges<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-klick-credit-card-benefits\"><strong>Yes Bank Klick Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Klick-Benefits.jpeg\" alt=\"Yes Bank Klick Credit Card Benefits\" class=\"wp-image-84509\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Klick-Benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Klick-Benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Klick-Benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Klick-Benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>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:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Joining and Annual Fee:<\/strong> Zero joining and annual fees.<\/li>\n\n\n\n<li><strong>Payment Safety:<\/strong> 100% virtual card for secure, safe and hassle-free payments.<\/li>\n\n\n\n<li><strong>Quick Loan:<\/strong> 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.&nbsp;<\/li>\n\n\n\n<li><strong>Surcharge Waiver:<\/strong> 1% fuel surcharge waiver is offered to cardholders.&nbsp;<\/li>\n\n\n\n<li><strong>Instant EMI:<\/strong> You can pay in instalments for all your payments as low as \u20b91500 with this card.&nbsp;<\/li>\n\n\n\n<li><strong>Rewards: <\/strong>Earn 2 reward points in the form of \u2018Kiwis\u2019 on every \u20b9200 spent on non-UPI transactions.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note: <\/strong>Existing YES Bank credit cardholders do not qualify for the YES Bank Klick Credit Card<em>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-steps-to-access-klick-credit-card-details-on-the-app\"><strong>What Are the Steps to Access Klick Credit Card Details on the App?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Download and open the Kiwi app on your mobile device.<\/li>\n\n\n\n<li>Tap on the card visible on your home screen.<\/li>\n\n\n\n<li>Enter the OTP received from the bank for verification.<\/li>\n\n\n\n<li>Select the option to view card information.<\/li>\n\n\n\n<li>Access card number, CVV, expiry date, and cardholder name.<\/li>\n\n\n\n<li>Manage details securely through the YES Bank Klick Credit Card login.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-the-process-to-activate-klick-rupay-credit-card-on-upi-apps\"><strong>What Is the Process to Activate Klick Rupay Credit Card on UPI Apps?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Download <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=in.gokiwi.kiwitpap&amp;hl=en_IN\" target=\"_blank\" rel=\"noopener\">Kiwi UPI app<\/a> and log in.<\/li>\n\n\n\n<li>Select \u2018Activate Credit Card\u2019 on the home screen.<\/li>\n\n\n\n<li>Follow the guided steps to link the Klick RuPay Credit Card.<\/li>\n\n\n\n<li>Use the same UPI PIN as MPIN for existing users.<\/li>\n\n\n\n<li>Set a new UPI PIN if prompted during setup.<\/li>\n\n\n\n<li>Complete linking instantly within the app.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-make-upi-payments-using-yes-klic-k-rupay-credit-card\"><strong>How to Make UPI Payments Using YES KlicK Rupay Credit Card?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Open the Kiwi UPI app and scan the merchant QR code.<\/li>\n\n\n\n<li>Choose Kiwi UPI during checkout if available.<\/li>\n\n\n\n<li>Enter the transaction amount.<\/li>\n\n\n\n<li>Select the YES Bank RuPay Credit Card from the list.<\/li>\n\n\n\n<li>Enter your UPI PIN to confirm payment.<\/li>\n\n\n\n<li>View instant success confirmation on the app.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-klick-credit-card-charges\"><strong>YES Bank Klick Credit Card Charges<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Klick Credit Card is a lifetime free card with nil joining or annual fees.<\/li>\n\n\n\n<li>Finance charges apply at 3.99% monthly or 47.88% annually on dues.<\/li>\n\n\n\n<li>No late fee applies when the total outstanding stays up to \u20b9500.<\/li>\n\n\n\n<li>Above \u20b9500, late fee equals 10% of the balance or \u20b91,350, whichever is lower.<\/li>\n\n\n\n<li>Foreign currency conversion charges for this credit card is 2.75%.&nbsp;<\/li>\n\n\n\n<li>Dynamic currency conversion charges is 1%.&nbsp;<\/li>\n\n\n\n<li>The maximum surcharge waiver per payment cycle for the Klick Credit Card is \u20b9250.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1But why bear the burden of late payment fees when you can simply download <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a>? It sends payment date notifications, lets you pay credit card bills and also tracks the payment status.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>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\u2019s ideal for digital-first users seeking convenience, flexibility, and smarter spending without the need for a physical card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1768308670895\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is YES Bank Klick Credit Card lifetime free?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the YES Bank Klick Credit Card has zero joining and annual fees.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768308849335\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I use YES Bank Klick Credit Card on Google Pay or PhonePe?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it can be linked to Kiwi and other UPI apps like Google Pay and PhonePe.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768308904652\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is a physical card issued with YES Bank Klick Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, the YES Bank Klick Credit Card is completely virtual.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768308943457\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the interest rate on outstanding dues?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Finance charges are 3.99% per month or 47.88% annually.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768308977887\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can existing YES Bank cardholders apply for YES Bank Klick Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, existing YES Bank credit cardholders are not eligible.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":84507,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84488","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84488"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84488\/revisions"}],"predecessor-version":[{"id":84521,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84488\/revisions\/84521"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84507"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}