Verified — 16/16 categories

YES Bank · RuPay

YES Bank Klick Credit Card

Best forGroceries & Dining

Earns1.5% cashback on groceries

1st Year / Joining Fee

₹0

Lifetime free

Renewal Fee

₹0

Lifetime free

Fee waiver

None

Network

RuPay

YES Bank

YES Bank Klick Credit Card

RuPay

Why this card may suit you

Based on the card's verified terms.

Best suited to spending on groceries and dining, where it earns 1.5% cashback
No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries1.5% cashback

Dining1.5% cashback

Shopping1.5% cashback

Travel1.5% cashback

Food Delivery0.5% cashback

All 16 reward categories · 16 of 16 categories verified

Category	Rate	Cap	Condition
Rent	No reward	—	— Details Status Verified — no reward Issuer note Rent transactions are excluded from rewards.
Education	No reward	—	— Details Status Verified — no reward Issuer note Education transactions are excluded from rewards.
Insurance	No reward	—	— Details Status Verified — no reward Issuer note Insurance transactions are excluded from rewards.
Utilities	No reward	—	— Details Status Verified — no reward Issuer note Utility transactions are excluded from rewards.
Fuel	No reward	—	— Details Status Verified — no reward Issuer note Fuel transactions earn 0 rewards (surcharge waiver only).
Groceries	1.5% cashback	₹1,000 per month	1.5% Kiwi Scan & Pay cashback Details Status Verified Source SRC-KIWI-REWARDS Issuer note 1.5% Kiwi Scan & Pay cashback.
Dining	1.5% cashback	₹1,000 per month	1.5% Kiwi Scan & Pay cashback Details Status Verified Source SRC-KIWI-REWARDS Issuer note 1.5% Kiwi Scan & Pay cashback.
Food Delivery	0.5% cashback	₹1,000 per month	0.5% online UPI cashback Details Status Verified Source SRC-KIWI-REWARDS Issuer note 0.5% online UPI cashback.
Shopping	1.5% cashback	₹1,000 per month	1.5% Kiwi Scan & Pay cashback Details Status Verified Source SRC-KIWI-REWARDS Issuer note 1.5% Kiwi Scan & Pay cashback.
Travel	1.5% cashback	₹1,000 per month	1.5% Kiwi Scan & Pay cashback Details Status Verified Source SRC-KIWI-REWARDS Issuer note 1.5% Kiwi Scan & Pay cashback.
Government	No reward	—	— Details Status Verified — no reward Issuer note Government transactions are excluded from rewards.
Wallet	No reward	—	— Details Status Verified — no reward Issuer note Wallet loading is excluded from rewards.
Railways	No reward	—	— Details Status Verified — no reward Issuer note Railways transactions are excluded from rewards.
FASTag	Not a good fit	—	Toll and bridge fees (MCC 4784) strictly excluded from cashback/Kiwis accrual per Kiwi terms and schedule (SRC-KIWI-TERMS) Details Status Verified — not a good fit for this category Issuer note Toll and bridge fees (MCC 4784) strictly excluded from cashback/Kiwis accrual per Kiwi terms and schedule (SRC-KIWI-TERMS).
Jewellery	No reward	—	— Details Status Verified — no reward Issuer note Jewellery purchases are excluded from rewards.
Telecom	Not a good fit	—	Telecommunications and mobile recharge spends (MCC 4812, 4813, 4814, 4816, 4899) strictly excluded from cashback/Kiwis accrual per Kiwi rewards policy (SRC-KIWI-REWARDS) Details Status Verified — not a good fit for this category Issuer note Telecommunications and mobile recharge spends (MCC 4812, 4813, 4814, 4816, 4899) strictly excluded from cashback/Kiwis accrual per Kiwi rewards policy (SRC-KIWI-REWARDS).

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee

₹0

Lifetime free

Renewal Fee

₹0

Lifetime free

Fee waiver

None

Reward caps

Shopping — ₹1,000 / month (shared cap — Shopping)

Key benefits

Rewards

1.5% cashback on groceries

Important to know

Limits and exclusions that change what you earn.

Shopping rewards are capped at ₹1,000 / month (shared cap — Shopping)
No reward on: Rent, Education, Insurance, Utilities +5 more
Not recommended for: FASTag, Telecom

Who should consider this card

✓ Good fit if

Your spending is concentrated in groceries, dining, shopping
You want a card with no annual fee

△ Less useful if

Much of your spending is in rent, education, insurance, which earn nothing

Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 11 no-reward categories

Caps

Shopping — ₹1,000 / month (shared cap — Shopping)

Categories with no reward or not eligible

Rent — No reward.
Education — No reward.
Insurance — No reward.
Utilities — No reward.
Fuel — No reward.
Government — No reward.
Wallet — No reward.
Railways — No reward.
FASTag — Not a good fit. Toll and bridge fees (MCC 4784) strictly excluded from cashback/Kiwis accrual per Kiwi terms and schedule (SRC-KIWI-TERMS).
Jewellery — No reward.
Telecom — Not a good fit. Telecommunications and mobile recharge spends (MCC 4812, 4813, 4814, 4816, 4899) strictly excluded from cashback/Kiwis accrual per Kiwi rewards policy (SRC-KIWI-REWARDS).

Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to YES Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications

Payment network: RuPay
Airport lounge: Not recorded by DhanChakshu — check the issuer terms
Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms

What DhanChakshu couldn't fully verify · 3 areas

3 areas need further verification. None of these are counted as zero.

• Lounge benefit — not recorded; check the issuer terms
• Fuel surcharge waiver — not recorded; check the issuer terms
• Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-27

Documents used

Kiwi rewards and Scan & Pay cashback policy · SRC-KIWI-REWARDS

YES Bank Klick credit card MITC schedule · SRC-KIWI-TERMS