Kiwi YES Bank Credit Card
YES Bank · Cashback · Visa
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
None
Best Rate
0.5%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
2% Kiwi Coins on all spends, but 1 Coin = ₹0.25, so effective rate ~0.5% · Lifetime free
💡
Redemption matters
Card advertises '2% Kiwi Coins' but each Kiwi Coin is worth only ₹0.25, making the effective cashback rate ~0.5%, not 2%.
Key Benefits
Lifetime free2% Kiwi Coins (effective ~0.5%)Simple structure
PROS
✅ Lifetime free
✅ Simple flat reward structure
CONS
⚠️ Effective rate only ~0.5% (misleading 2% headline)
⚠️ No lounge access
⚠️ Kiwi Coin value is low
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