YES Bank Anq Phi Credit Card

Gaurav

The YES Bank Anq Phi Credit Card is a special credit card launched by YES Bank and ANQ Finance. It is made to reward you for your daily spending on things like groceries, travel, dining, and digital services. There is no joining fee, and you earn 24 reward points for every ₹200 spent on OTT platforms, digital goods, cable services, and more. You also get 3 free international airport lounge visits every year, a 1% fuel surcharge waiver, and airport concierge services, making it useful for both shopping and travel.

This card comes as a physical Mastercard along with a free virtual RuPay card called the YES Bank Anq Pi Credit Card. Together, they let you earn rewards on almost all types of spending, including UPI payments. You can use your reward points for various exciting options. If you spend ₹1.2 lakh in a year, the annual fee of ₹499 + taxes is waived. Overall, it's a great card if you want to save more and enjoy extra benefits while spending.

Credit Card Detail
YES Bank Anq Phi Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Apply Now
Rewards Rate
You get 24 reward points for every ₹200 spent on things like groceries, dining, food delivery, flights, and hotel bookings (even on travel websites). For other purchases, you earn 2 points for every ₹200 spent. The reward points stay valid for up to 3 years from when you earn them.
Reward Redemption
You can use the reward points you earn to get gift cards, shopping vouchers, or even redeem them for Digital Gold and Anq Coins to help grow your savings.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
Get 3 free visits to airport lounges every year.
Insurance Benefits
N/A
Interest Rates
3.99% interest per month, which adds up to 47.88% per year.
Spend-Based Waiver
The fee is ₹499 plus taxes, but it won't be charged if you spend ₹1.2 lakh or more in a year.
Rewards Redemption Fee
Rs. 99 + GST
Cash Advance Charges
You'll be charged 2.5% of the amount you take out, or ₹500 — whichever is more.
Foreign Currency Markup
3.40% +GST
Fuel Surcharge
You get a 1% discount on fuel charges when you spend between ₹400 and ₹5,000 at fuel stations anywhere in India.
Card Details
  • Card Features: No joining fee, accepted in 150+ countries, with contactless payments and secure online transactions, ensuring a hassle-free banking experience.
  • Reward Points: Earn 24 points per ₹200 on purchases in categories like OTT, digital goods, travel, dining, groceries, apparel, and more, and 4 points per ₹200 on other select categories, with no cap on points.
  • Airport Benefits: Enjoy 3 free international lounge visits per year, airport concierge service for faster check-in, security, and immigration, and airport limo services at select airports with chauffeur assistance.
  • Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹300 per billing cycle.
  • Discounts & Offers: Up to 25% off on various brands and services, including Swiggy, EazyDiner, Instamart, Ajio, GoIbibo, Croma, EaseMyTrip, Zomato, and more.
  • Annual Fee Waiver: Waive the ₹499 renewal fee by spending ₹1.2 lakh annually.
  • Instant EMI: Shop for ₹1,500 or more and convert purchases into easy EMIs at an interest rate of 16% p.a., with flexible tenure options of 3 to 36 months and a processing fee of ₹199 or ₹399.
  • Quick Loan: Get a loan within your card limit, with no paperwork, interest rates ranging from 8.99% to 30% p.a., and processing fees up to 2%, with a loan tenure of up to 48 months and direct transfer to your savings account via NEFT.
Pros/Cons
Pros
- The cardholder can get the renewal fee waived if they spend over ₹1.2 lakh in the previous year, making it a great benefit for those who use the card regularly.
Cons
- One downside of this card is its high Forex Markup fee, and it also lacks benefits like dining and entertainment perks.
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Frequently Asked Questions

No, the YES Bank Anq Phi Credit Card does not come with any insurance benefits.

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