Klick RuPay Credit Card

The Klick RuPay Credit Card represents the modern frontier of digital banking: a 100% virtual, paperless credit card issued instantly to a user's mobile device via YES Bank's digital channels. Created specifically to maximize the RBI and NPCI RuPay-UPI integration, the card carries a permanent **Lifetime Free (LTF)** fee structure with ₹0 joining fee and ₹0 annual maintenance charges, removing all friction from application to usage. Once approved, the virtual card details are generated in real-time, allowing cardholders to link the card immediately to UPI applications like Google Pay, PhonePe, Paytm, and BHIM. From that moment, every scan of a merchant UPI QR code—at local kirana stores, cafes, pharmacies, and street vendors—can be funded from the credit card limit, earning 1% cashback while preserving liquid savings in the user's bank account for up to 50 days of interest-free credit. Because the card is 100% virtual, there is no physical plastic card shipped, eliminating lost card risk but preventing physical POS chip-and-PIN dips at merchants lacking UPI or tap-and-pay infrastructure. The reward rate is a flat 1%, which is clean and transparent but lower than category-specific cards like the HSBC RuPay Cashback. Airport lounge access is not included. However, as an instantaneous, zero-fee secondary credit line dedicated purely to daily UPI micro-payments, Klick RuPay is sleek and highly practical.

Additional Cardholder Privileges

Mandatory Verification Documents