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
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 ₹2,000: 4 YES Rewardz Points / ₹200 spent on UPI transactions above ₹2,000; Other Retail Spends: 2 YES Rewardz Points / ₹200 spent
| Feature | UPI RuPay Credit Card | 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 ₹2,000: 4 YES Rewardz Points / ₹200 spent on UPI transactions above ₹2,000; Other Retail Spends: 2 YES Rewardz Points / ₹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 ₹ 0.07 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 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 |