Kotak UPI RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
upi, lifetime free, virtual card
Top rewards
UPI and other eligible spends: 3 Reward Points / ₹100 spent; Utility spends: 3 Reward Points / ₹100 spent
YES BANK Klick RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
2.75%Forex markup
Best for
upi, virtual card, lifetime free, co-branded
Top rewards
UPI transactions above Rs 2,000: 4 YES Rewardz Points / Rs 200 spent on UPI transactions above Rs 2,000; Other retail spends: 2 YES Rewardz Points / Rs 200 spent
| Feature | Kotak UPI RuPay Credit Card | YES BANK Klick RuPay Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | YES Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Kotak Reward Points | YES Rewardz points |
| Best for | upi, lifetime free, virtual card | upi, virtual card, lifetime free, co-branded |
| Top reward categories | UPI and other eligible spends: 3 Reward Points / ₹100 spent; Utility spends: 3 Reward Points / ₹100 spent | UPI transactions above Rs 2,000: 4 YES Rewardz Points / Rs 200 spent on UPI transactions above Rs 2,000; Other retail spends: 2 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 2.75% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.07 per point | Air miles: upto Rs 0.1 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel spends, Rent payments, Railway ticket bookings, E-wallet loading transactions, EMI transactions, Education spends | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |