YES BANK Klick Review 2026: A UPI Card Whose UPI Rate Is Not Published
Klick is lifetime free, issued on RuPay for UPI, and pays 2 YES Rewardz per ₹200 on non-UPI spends. YES does not quantify the UPI cashback rate. Full review and FAQs.
YES BANK's Klick card is lifetime free, issued on RuPay — the only network on which an Indian credit card can be linked to UPI — and built around UPI payments.
It pays cashback on UPI and YES Rewardz on everything else. One of those two rates is published.
YES BANK Klick Credit Card Quick Overview
| **Card type** | Entry UPI card |
|---|---|
| **Best for** | Someone who wants a free RuPay card for UPI |
| **Joining / renewal fee** | Nil, same on renewal |
| **Network** | RuPay |
| **Base reward rate** | **0.25%** |
| **Reward currency** | YES Rewardz Points, valued at ₹0.25 each |
| **Lounge access** | None published |
| **Forex markup** | 3.5% |
Reward Structure: How You Earn
2 YES Rewardz per ₹200 on non-UPI transactions — 0.25% at the flights-and-hotels rate.
Cashback on UPI payments — rate not quantified in YES BANK's published material.
| Spend | Effective rate |
|---|---|
| Everything else | 0.25% |
| Fuel, rent, wallet loads, government, gaming | **0%** |
The card's main rate is the one that is missing
Klick is sold on UPI. YES BANK's page describes cashback on UPI payments without stating the percentage, so the number that matters most on this card could not be recorded.
base_reward_rate_percent in the underlying data holds the non-UPI points rate instead — 0.25% — because that is what YES publishes. Read it as a floor, not as the card's proposition, and get the UPI rate from YES directly before applying.
Two currencies on one card
UPI pays cashback; non-UPI pays YES Rewardz Points, which carry the 2,000-point minimum, the ₹100 + GST redemption fee and the 36-month expiry. Which currency you earn depends on how you paid.
Where you redeem matters more than what you spend on
A YES Rewardz Point is worth between ₹0.10 and ₹0.25 depending on the channel, and that 2.5× spread is the single most important thing about this programme:
| Redemption | Value per point |
|---|---|
| **Flights and hotel bookings** | **₹0.25** |
| E-gift vouchers (YES Private, Marquee) | ₹0.15 |
| E-gift vouchers (all other cards) | ₹0.10 |
| **Statement credit** | **₹0.10** |
| Merchandise, PM Cares donations | ₹0.10 |
Every percentage in this review uses ₹0.25 — the published maximum. Take statement credit instead, the simplest and most obvious redemption, and you realise 40% of the figures quoted here.
And the best channel is doubly constrained: flight and hotel redemptions are capped at 70% of the invoice value, so points can never settle a booking outright, and a ₹99 + GST convenience fee applies to flight bookings.
Four rules that apply to every YES card
- A 2,000-point minimum before anything can be redeemed — ₹500 of value locked up.
- Points expire after 36 months from the date of earning.
- Monthly redemption caps by variant: 6,00,000 points on YES Private, 3,00,000 on Marquee, 2,00,000 on Reserv, 1,00,000 on every other card.
- A ₹100 + GST redemption fee on every card except YES Private, where it is nil.
Two things changed on 15 June 2026
Reward points stopped being awarded on rental, wallet, fuel, government and marketing or advertising transactions, on cash withdrawals, and on Post Purchase EMI and Instant EMI.
The foreign currency markup rose on most of the range. Reserv and the YES First family went from 1.75% to 2.00%; Elite+, YES Essence and YES Prosperity Business to 3.00%; and Select, ACE, the Virtual RuPay card and Klick from 2.75% to 3.50% — a 0.75-point jump, the largest in the range.
Only YES Private, Marquee, FREO and the BYOC/EMI/Wellness/Zagg group were unchanged. Anyone reading a YES BANK review written before June 2026 is looking at both a wider earning base and a cheaper foreign markup than exist now.
A separate 1% dynamic currency conversion charge catches people out. If an international transaction is billed to you in rupees — at a foreign point of sale, or at an overseas merchant selling in INR — YES levies 1% plus GST on top of the markup above. Choosing to be charged in rupees abroad costs more, not less.
Category Restrictions: Where You Won't Earn
- Where you earn nothing: FROM 15 JUNE 2026 YES BANK AWARDS NO REWARD POINTS on rental, wallet load, fuel, government, and marketing or advertising transactions, nor on cash withdrawals, Post Purchase EMI or Instant EMI. Separately, YES publishes a 'Select categories' MCC list — utilities (4899, 4900), insurance (6300, 6381) and education (8211, 8220, 8241, 8244, 8249, 8299) — which earn the card's LOWEST band rather than nothing.
- Point expiry: 36 months from the date of earning, per YES BANK's Credit Card Redemption Rules. A minimum of 2,000 Reward Points is required before anything can be redeemed.
- Redemption fee: ₹100 per redemption.
Fees and Charges
| Charge | Amount |
|---|---|
| Joining fee | Nil |
| Renewal fee | Nil |
| Finance charges | 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts. |
| Cash advance fee | 2.5% of the amount withdrawn. Not applicable to any Virtual Credit Card. |
| Cash advance interest | 3.99% per month, charged from the date of withdrawal with no interest-free period. |
| Forex markup | Set per card variant and RAISED ON MOST OF THE RANGE ON 15 JUNE 2026: YES Private 0.50%; Marquee 1.00%; Reserv and the YES First family 2.00% (from 1.75%); YES Prosperity Business, Elite+ and YES Essence 3.00%; Select, ACE, Virtual RuPay and Klick 3.50% (from 2.75%); FREO 3.40%; BYOC, EMI Card, Wellness, Wellness Plus, Zagg and Novio 3.50%. NOT APPLICABLE AT ALL to Uni, Uni RuPay Virtual, AI Inside and NIYO. |
| Dynamic currency conversion | 1% plus GST, charged IN ADDITION where an international transaction is billed in INR — at an overseas point of sale or at a merchant registered abroad selling in rupees. Not applicable to Uni, Uni RuPay Virtual, AI Inside or NIYO. |
| Fuel transactions | A fuel surcharge of 1% to 2.5% plus GST may be levied by the acquirer and is payable by the cardholder. Most YES cards carry a 1% surcharge waiver; note separately that fuel has earned NO reward points since 15 June 2026. |
| Reward redemption | NIL on YES Private. ₹100 + GST per redemption request on Marquee, Reserv and every other variant. A convenience fee of ₹99 + GST applies to flight bookings on top. |
| GST | 18% on all fees, interest and charges. |
Is the YES BANK Klick Credit Card Worth It?
Lifetime free, so the downside is limited.
The foreign currency markup jumped from 2.75% to 3.50% on 15 June 2026 — the largest rise in YES BANK's range, shared with Select, ACE and the Virtual RuPay card.
Frequently Asked Questions (FAQs)
What cashback does YES Klick pay on UPI? YES BANK's card page describes cashback on UPI payments but does not state the rate in the material reviewed here. Confirm it with YES BANK before applying — on a card sold on UPI it is the most important figure.
What is a YES Rewardz Point worth? Between ₹0.10 and ₹0.25 depending on how you redeem. Flight and hotel bookings pay ₹0.25 — the maximum on every variant — while statement credit pays ₹0.10. E-gift vouchers pay ₹0.15 on YES Private and Marquee, ₹0.10 elsewhere.
Is there a fee to redeem YES BANK reward points? ₹100 plus GST per redemption request on every card except YES Private, where it is nil. A further ₹99 plus GST convenience fee applies to flight bookings. A minimum of 2,000 points is required for any redemption, and points expire after 36 months.
What does not earn reward points on YES BANK cards? Since 15 June 2026: rental, wallet, fuel, government and marketing or advertising transactions, cash withdrawals, and Post Purchase EMI and Instant EMI. Utilities, insurance and education fall into YES's 'Select categories' and earn the card's lowest band rather than nothing.
Cards Mentioned in This Article
