LIFETIME FREE RuPay 📡 Contactless NFC

Kiwi Klick YES Bank Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply & Earn ₹300 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Everyday UPI users looking for the highest flat cashback rate (1.5%–2%) on daily merchant scan-and-pay transactions with direct instant bank account payout.

Who Should Avoid

Users seeking physical cards, offline POS swipes, or airport lounge access.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹300 directly upon successful card approval.

Claim ₹300 & Apply →

🎉

Joining & Activation Welcome Gift

Flat ₹250 cashback (1,000 Kiwis) upon completing the first merchant UPI transaction via the Kiwi app

Up to 2% Cashback on RuPay UPI

Earn 1.5% to 2% flat cashback (as Kiwis) on all merchant UPI scan & pay transactions made via Kiwi app.

Direct Bank Account Cashback

Instant 1:1 redemption of Kiwis directly to your bank account with zero redemption charges.

Lifetime Free Virtual Credit Card

Unconditionally Lifetime Free virtual credit card with zero joining and annual renewal fees.

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹0.25

Standard Base Earning

0.50% cashback on other retail transactions (1 Kiwi = ₹0.25)

Accelerated / Partner Rate

1.5% to 2% flat cashback (2 Kiwis per ₹100, 1 Kiwi = ₹0.25 to ₹1.00 based on Neon tier) on all merchant RuPay UPI scan-and-pay transactions via Kiwi app; 2 Reward Points per ₹200 on non-UPI online spends

Points Validity:Never Expire

Redemption Fee: ₹0 (Free)

Redemption Modes: Instant Direct Transfer to Linked Bank Account via UPI, Credit Card Statement Credit Adjustment

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) virtual credit card with zero joining and annual fees

UPI Payments Support✓ Supported (RuPay)

1.5% to 2% flat cashback (as Kiwis) on all merchant RuPay UPI QR transactions via Kiwi app

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹125/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit25 - 60 Years

Min. Monthly Income₹16,000

Min. Credit Score760 CRIF

Employment Typesalaried

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Kiwi Klick YES Bank Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Apply & Claim ₹300 →

Personalized Card Matcher

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Frequently Asked Questions

Yes, the Kiwi Klick YES Bank Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

Kiwi Klick YES Bank Credit Card Lifetime Free (₹0)