Yes Bank
Klick RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Lifetime-Free Credit Card
- 100% virtual card
- Cashback on transactions
- 1% fuel surcharge waiver
Category Rewards
Specialty
2 Reward Points for every ₹200 on Non-UPI Spends
1X
Fee Waiver
Nil
Reward Calculator
Earns ₹600/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
3K
YES Rewardz
₹600
via standard · ₹0.2/pt
Effective rate
0.20%
Annual fee
FREE
Year 1 net
+₹600
Year 2+ net
+₹600
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
utility, rent, wallet, fuel, government, marketing advertising, cash advance, cash withdrawal, fees, post purchase emi, instant emi, upi
Fuel surcharge waiver (good news)
1%capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 Reward Points for every ₹200 spent on non-UPI transactions.
Benefits & Features
Domestic: N/A (N/A) International: N/A (N/A) N/A
Pros & Cons
Pros
- No joining or renewal fees
- Secure digital payments
- Attractive reward rate on non-UPI spends
Cons
- No physical card
- Limited rewards redemption options
Additional Info
Lifetime free card
100% virtual card
N/A
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks
Fee Waiver
Nil