YES Bank Klick
KeepFree forever, YES Rewardz for certain, and no published rate anywhere.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until YES Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · the network variants
The take
Klick is YES's UPI card: "designed to meet all your UPI P2M payment needs", lifetime free in both fee columns of the MITC, and RuPay by construction. The bank is precise about what it will not pay you for — since 15 June 2026, no YES Rewardz on rent, wallet loads, fuel, government, marketing and advertising, cash withdrawals, EMI conversions, insurance, education, railways, tolls, ferries or jewellery, and utility points capped at 150 a statement cycle. Every one of those exclusions is published by MCC. What the bank never publishes is the rate those exclusions are exceptions to. There is no rewards module on the product page, no earn line in the MITC, and no Klick row in any YES rate table. So this desk prints the fee, the forex, the exclusions and nothing else. A free card with a known cost and an unknown benefit is a reasonable second card behind a QR code and an impossible one to rank — which is exactly how it is carried here. Forex is 3.50% since 15 June 2026, so it is not the card to take abroad either.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
YES Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 15 Jun 2026 YES's ₹100 redemption fee reaches Marquee and Reserv issuer-wide
- 15 Jun 2026 YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step issuer-wide
- 1 Apr 2025 YES lounge gate triples to ₹1 lakh on Marquee and Reserv issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — the MITC prints NIL in both fee columns and the page says the same in words
- RuPay, built for UPI P2M payments
- Every zero-earn category is published by merchant category code rather than by adjective
Watch out
- No earn rate is published by the bank anywhere — the product page has no rewards module and the MITC never states one
- Utility points cap at 150 a statement cycle
- Rent, wallet loads, fuel, government, marketing, cash withdrawals and EMI conversions earn nothing; insurance, education, railways, toll, ferry and jewellery joined them on 15-Jun-2026
- Forex is 3.50% since 15-Jun-2026, plus 1% dynamic currency conversion
- No lounge access — Klick is absent from the MITC's domestic lounge threshold table
- Existing YES Bank credit cardholders are not eligible
What these points actually fly
YES Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
YES Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official YES Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Lifetime free: Klick sits in the membership-fee grid’s NIL joining / NIL annual row. The forex table puts it in the Select / ACE bracket, which took the sharpest markup rise on the shelf on 15-Jun-2026 — 2.75% to 3.50%, three quarters of a point in one revision. Utility spends attract 1% + GST past ₹25,000 in the previous calendar month, capped ₹5,000 a transaction. Absent from the domestic-lounge threshold table.
per the official YES Bank MITC · reviewed 10 Jul 2026
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Jun 2026YES's ₹100 redemption fee reaches Marquee and ReservMarquee and Reserv exempt from the ₹100-per-redemption fee; card reissuance ₹100–₹200 by variant → ₹100 fee on every redemption request, premium cards included, plus a ₹99 booking fee on YES Rewardz flights; reissuance ₹199; fuel-surcharge waiver window revised
The exemption that let Marquee and Reserv holders pretend the ₹100 redemption fee was someone else's problem is gone. From 15 June 2026 every YES card pays ₹100 per redemption request, and booking a flight through YES Rewardz — the only place the points are worth their ₹0.25 — stacks a ₹99 booking fee on top. On a card whose whole pitch is settling 4.5% online earnings in portal travel, YES now charges you twice at the exit.
- 15 Jun 2026YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step
- 15 Jun 2026Reserv's forex markup goes 1.75% to 2%
- 1 Apr 2025YES lounge gate triples to ₹1 lakh on Marquee and Reserv
- 1 Apr 2025Government and ad spends stop earning on 13 YES cards
- 1 Dec 2024YES caps travel redemptions at 70% of the invoice
- 15 Dec 2023YES returns to super-premium with the Marquee
Every YES Bank change we've dated → 7 events since 2023, 6 of them nerfs — worst year 2026.
Verified against YES Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official Product page — a UPI P2M card with no joining fee; the YES Rewardz exclusion list by MCC and the 150-point utility cap; existing YES cardholders are not eligible
- community Kiwi's own page for this card — the app is a distributor, and it names YES Bank as the issuer and links back to the bank's product page for the terms
- official MITC (CMITC_V18_07082026) — Klick in the NIL/NIL lifetime-free row; forex 3.50% from 15-Jun-2026; utility points capped at 150 a statement cycle