YES Bank · Entry · lifetime free
Klick Credit Card
Where it ranks across all 187 cards
#100 Utility bills
0.3%
direct
#127 Gaming
0.3%
direct
#139 Mobile / broadband
0.3%
direct
#152 Train tickets
0.3%
direct
#158 Cabs & transit
0.3%
direct
#165 Groceries
0.3%
direct
#165 Flights
0.3%
direct
#165 Hotels
0.3%
direct
#166 Health & pharmacy
0.3%
direct
#166 Other
0.3%
direct
#167 Electronics
0.3%
direct
#168 Dining out
0.3%
direct
#170 Food delivery
0.3%
direct
#170 Fashion
0.3%
direct
#171 Online shopping
0.3%
direct
#171 Movies & events
0.3%
direct
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1 RP = Rs 0.25 on Flights & Hotel Bookings, Rs 0.10 on E-Gift Voucher/Statement Credit/Merchandise, per YES BANK's 'Other Credit Cards (Except Private, Marquee, Reserv)' redemption ratio table
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.25%base rate
2 pts / ₹200
source
Source: Klick Credit Card for UPI Payments, Cashback & Zero Annual Fee - product page - yes.bank.in - read 2 Oct 2026
Base rate, but capped1
2 pts / Rs 200 on utility spends, capped at Rs 150/cycle
base rate
source
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on8 exclusions
Rent, Wallet load, Fuel, Government / tax
earns nothing
No YES Rewardz points on rent, wallet, fuel or government services
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent, Wallet load, Fuel, Government / tax · MCCs: 6513, 6540, 5542, 5983, 5172, 5540, 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Direct marketing - insurance services, MCC 5962 +7 more
earns nothing
No YES Rewardz points on marketing/advertising category spends (no exact vocab category)
→ use Axis Burgundy Private here (6.4%)
detail & source
MCCs: 5960, 5962, 5964, 5965, 5966, 5967, 5968, 5969, 7311
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Automated cash disbursement (ATM)
earns nothing
No YES Rewardz points on cash withdrawals/cash advance (no vocab category)
→ use SC Ultimate here (3.3%)
EMI
earns nothing
No YES Rewardz points on post-purchase EMI, EMI on Call or instant EMI transactions
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Insurance
earns nothing
No YES Rewardz points on insurance premium payments
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Education
earns nothing
No YES Rewardz points on education spends
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8249, 8299, 8241, 8244, 7911
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Passenger railways, Railroads - freight +2 more
earns nothing
No YES Rewardz points on railways, toll or ferry spends (no exact vocab category)
→ use IRCTC SBI Card here (10.0%)
detail & source
MCCs: 4112, 4011, 4784, 4111
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026
Jewellery & watches
earns nothing
No YES Rewardz points on jewellery spends
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5944
Source: Klick Credit Card - Glossary - yes.bank.in - read 2 Oct 2026