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Features of YES Bank Kiwi Credit Card
- Overview: The YES Bank Kiwi Credit Card, also known as the YES Bank Klick RuPay Credit Card, is a virtual credit card designed for seamless integration with UPI transactions. Launched in partnership with Kiwi fintech, it targets tech-savvy consumers looking for secure digital payments and rewarding experiences. The RuPay-branded card ensures wide acceptance across India’s UPI ecosystem and merchant networks. Being a virtual card, it is eco-friendly and supports India’s growing digital economy.
- Lifetime Free Card: Unlike many credit cards that impose joining or annual fees, this card has no joining or renewal charges, making it accessible to a broad range of users. This feature is particularly appealing to young professionals, students, and first-time credit card users who seek cost-effective financial tools without recurring expenses. The absence of fees ensures that cardholders can enjoy the card’s benefits without worrying about offsetting annual costs through spending.
- UPI Integration for Seamless Payments: The card’s integration with UPI is a game-changer, allowing cardholders to make payments by scanning QR codes at merchants or through UPI apps. This feature aligns with India’s growing preference for UPI-based transactions, which accounted for over 80% of retail digital payments in 2024. Cardholders can link the YES Bank Kiwi Credit Card to the Kiwi app or other UPI platforms, enabling quick and secure payments for amounts as low as ₹5. This flexibility makes it ideal for both small daily transactions, such as buying groceries, and larger purchases, like electronics or jewelry.
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- Reward Points System (Kiwis): The YES Bank Kiwi Credit Card offers a robust rewards program through “Kiwis,” the card’s term for reward points. Cardholders earn Kiwis on various transactions, with specific rates depending on the transaction type and subscription status. For non-Neon members, the card provides: 4 Kiwis per ₹100 spent on UPI transactions (equivalent to 1% cashback, as 4 Kiwis = ₹1). 2 Kiwis per ₹200 spent on non-UPI transactions (equivalent to 0.5% cashback). With the Kiwi Neon Subscription (₹999 annually, first year free for select applicants), the rewards structure improves significantly, offering up to 2% cashback on UPI scan-and-pay transactions. The rewards are capped at 1% of the card’s credit limit per month (e.g., ₹3,000 cashback for a ₹3 lakh limit), excluding milestone rewards. This system incentivizes frequent UPI usage, aligning with modern spending habits.
- Milestone-Based Cashback: The card introduces milestone-based cashback, encouraging higher spending to unlock enhanced rewards. For Neon subscribers, the cashback structure escalates as follows: 2% cashback on UPI scan-and-pay transactions by default. 3% cashback after reaching ₹50,000 in eligible annual spends. 4% cashback after ₹1 lakh in eligible spends. 5% cashback after ₹1.5 lakh in eligible spends. These milestones are calculated annually from the Neon subscription date, and the additional cashback (e.g., 3% minus the 2% already earned) is credited on the last day of the subsequent month. Excluded categories for milestone calculations include fuel, jewelry, insurance, education, rent, utilities, telecom, government payments, and EMI transactions. This feature rewards consistent card usage, making it attractive for high spenders.
- Complimentary Lounge Access: For Neon subscribers, the card offers complimentary domestic airport lounge access, with up to three visits per year, unlocked at every ₹50,000 milestone in eligible spends. This feature caters to frequent travelers, providing a premium experience typically reserved for higher-tier cards. Lounge access includes amenities like comfortable seating, complimentary food and beverages, and Wi-Fi, enhancing the travel experience at major Indian airports.
- Fuel Surcharge Waiver: The YES Bank Kiwi Credit Card provides a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum waiver of ₹250 per statement cycle (excluding GST). This feature benefits cardholders who frequently refuel vehicles, reducing the cost of fuel purchases at partnered fuel stations across India. The waiver applies to both UPI and non-UPI transactions, adding versatility to the card’s utility.
- Instant EMI Options: Cardholders can convert high-value purchases into Equated Monthly Installments (EMIs) directly through the Kiwi app. This feature is ideal for managing large expenses, such as electronics or furniture purchases, by spreading the cost over months. The instant EMI option ensures flexibility, allowing users to maintain cash flow while enjoying their purchases without financial strain.
- Secure Virtual Card: As a 100% virtual card, the YES Bank Kiwi Credit Card enhances security by eliminating risks associated with physical card loss or theft. Card details are accessible only through the secure Kiwi app or YES Bank’s IRIS app, protected by multi-factor authentication, including OTPs and biometric verification. The virtual nature also supports contactless payments, aligning with global trends toward safer, touch-free transactions.
- Compatibility with YES Bank Offers: The card is eligible for YES Bank’s instant discount offers on platforms like Amazon, Swiggy, and Myntra, in addition to Kiwi-specific offers on Swiggy, Zepto, and Zomato. This dual-benefit structure maximizes savings, as cardholders can leverage both bank and app-specific promotions. For example, a Swiggy order could qualify for a YES Bank discount and a Kiwi cashback, compounding the overall value.
- Surprise Rewards: Occasionally, the Kiwi app provides “surprise rewards” for successful UPI transactions, visible as tappable icons on the transaction success page. Cardholders must tap these icons within 30 seconds to claim additional Kiwis, adding an element of gamification to the rewards program. These rewards are limited to 20 successful peer-to-peer (P2P) transactions and are not available in states like Tamil Nadu, West Bengal, Sikkim, or Nagaland due to regulatory restrictions.
- Customizable Transaction Limits: Users can set transaction limits through the Kiwi app, allowing them to control spending and prevent unauthorized usage. This feature is particularly useful for budgeting or sharing the card with family members as add-on cards, ensuring financial discipline.
- Integration with YES Bank IRIS App: While primarily managed through the Kiwi app, the card’s details, including the full card number and billing cycle, can be accessed via YES Bank’s IRIS mobile app. This integration provides a seamless banking experience, allowing cardholders to monitor transactions, pay bills, and manage card settings within a unified ecosystem.
- Wide Acceptance via RuPay Network: As a RuPay card, the YES Bank Kiwi Credit Card is accepted at millions of merchants across India, both online and offline, wherever UPI or RuPay payments are supported. The RuPay network’s extensive reach ensures cardholders can use the card for diverse transactions, from local kirana stores to major e-commerce platforms.
- Eco-Friendly Design: The virtual card eliminates the need for plastic production, reducing the environmental footprint. This aligns with global sustainability trends, appealing to environmentally conscious consumers who prefer digital financial solutions.
- Flexible Cashback Redemption: Kiwis earned through transactions can be redeemed as cashback directly to the cardholder’s linked bank account or as statement credit via the Kiwi app. The minimum redemption threshold is 500 Kiwis (₹125), and redemptions must be in multiples of 500. This flexibility ensures cardholders can access their rewards conveniently, unlike proprietary reward systems that restrict usage to specific platforms.
- Support for Small Transactions: The card supports UPI payments as low as ₹5, making it ideal for micro-transactions like parking fees or street vendor payments. This feature enhances the card’s practicality for everyday use, catering to India’s cashless economy.
- Transparent Reward Policy: The Kiwi app provides clear visibility into earned Kiwis, transaction history, and milestone progress, ensuring transparency. Cardholders can track their rewards in real-time, making it easier to plan spending to maximize cashback.
- No Foreign Transaction Fees for Domestic Use: Since the card is primarily designed for domestic UPI and RuPay transactions, it incurs no foreign transaction fees for Indian usage, unlike some premium cards that charge extra for cross-border payments.
- Customization Options: Cardholders can personalize their YES Bank Zero Credit Card by selecting the card material, image, or reward plan during the application process. For instance, users can opt for a cashback plan (1% on eligible transactions) or a reward points plan.
- Activation and Customer Support: The card can be activated easily through a YES Bank ATM, the mobile app, or by contacting customer support. YES Bank provides 24/7 customer care via toll-free numbers and email ensuring prompt assistance for queries, disputes, or card management.
- Eco-Friendly Design: The YES Bank Zero Credit Card is designed with sustainability in mind, using eco-friendly materials for physical cards where applicable. This aligns with YES Bank's commitment to environmental responsibility.
- Compatibility with Digital Wallets: The card is compatible with major digital wallets like Google Pay, Apple Pay, and Samsung Pay, allowing users to store their card details securely for quick payments.
- Transaction Monitoring and Alerts: Real-time transaction alerts via SMS and email keep cardholders informed of every purchase, payment, or suspicious activity. The YES Bank app also provides a detailed transaction history.
- Wide Acceptance: The YES Bank Zero Credit Card, typically issued on Visa or Mastercard networks, is accepted at millions of merchants worldwide, both online and offline.
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- Fuel Cost Reduction: The 1% fuel surcharge waiver, capped at ₹250 per statement cycle, reduces fuel expenses for cardholders who drive regularly. Applicable on transactions between ₹500 and ₹3,000, fuel purchases.
- Flexibility in Payment Management: The card’s instant EMI option allows cardholders to convert large purchases into affordable monthly installments, easing the financial burden of high-value transactions.
- Access to Dual Discount Offers: Cardholders benefit from both YES Bank’s instant discount offers and Kiwi-specific promotions. YES Bank offers apply to platforms like Amazon, Swiggy, and Myntra, Swiggy, Zepto, and Zomato.
- Cost-Free Ownership: The lifetime-free nature of the YES Bank Kiwi Credit Card eliminates the financial burden of joining or annual fees, a significant advantage over cards that charge ₹499 to ₹1,999 annually.
- Secure and Convenient Transactions: The virtual card’s design enhances security by reducing risks associated with physical cards. Transactions are protected by multi-factor authentication, including OTPs and biometric verification.
- Support for Micro-Transactions: The ability to make UPI payments as low as ₹5 makes the card highly practical for everyday expenses, such as buying coffee, paying parking fees, or shopping at local vendors.
- Eco-Friendly Financial Solution: By eliminating the need for a physical card, the YES Bank Kiwi Credit Card contributes to environmental sustainability.
- Reward Point Redemption Flexibility: The ability to redeem Kiwis as cashback directly to a bank account or as statement credit offers unparalleled flexibility.
- Wide Merchant Acceptance: The RuPay network’s extensive reach ensures the card is accepted at millions of merchants, from small kirana stores to major e-commerce platforms.
- Transparent Reward Tracking: The Kiwi app’s user-friendly interface provides real-time tracking of Kiwis, transaction history, and milestone progress. This transparency empowers cardholders to make informed spending decisions.
- Support for Budgeting: Customizable transaction limits allow cardholders to set spending caps, promoting financial discipline. This feature is particularly useful for young users or those sharing the card with family members.
- Hassle-Free Bill Payments: Cardholders can pay their credit card bills seamlessly through the Kiwi app or YES Bank’s IRIS app, using options like UPI, net banking, or NEFT/IMPS.
- Gamified Reward Experience: The surprise rewards feature adds an element of fun to the card’s usage. By tapping icons within 30 seconds of a successful transaction, cardholders can unlock additional Kiwis.
- No Foreign Transaction Fees for Domestic Use: The card’s focus on domestic transactions eliminates foreign transaction fees, which can range from 1% to 3.5% on other cards.
- Enhanced Customer Support: YES Bank provides robust customer support through a 24/7 toll-free number email, and branch visits. While some users report issues with the Kiwi app’s support.
- Empowerment through Digital Banking: The card’s integration with the Kiwi and IRIS apps empowers users with full control over their finances. From monitoring transactions to setting limits and redeeming rewards.
- Conclusion: The YES Bank Kiwi Credit Card’s benefits, from substantial cashback and lounge access to cost-free ownership and secure transactions, make it a compelling choice for modern consumers.
