Yes Bank Card Anq Phi Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
Yes Bank Card Anq Phi Credit Card
Bank Name :
Yes Bank
Type :
Rewards Credit Card
Interest Rate :
3.80% per month (45.60% annually)
Eligibility :
Age criteria (Between 21 and 60 years of age).
Salaried or self-employed.
Minimum net salary of ₹25,000 per month or Income Tax Return of ₹5 lakh.
Pros
Reward system: Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food. Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, and 4 Yes Reward Points on every ₹200 spent on other selected categories. 1 RP = 0.25 paisa. travel, dining, and grocery Cashback rate: 3%. Other spends cashback rate: 0.5%.
Travel benefits: Free access to airport lounges internationally three times per year.
Cons
Dependence on Anq application.
Pros & Cons
Welcome Benefits
None
Rewards System
Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food. Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, and 4 Yes Reward Points on every ₹200 spent on other selected categories. 1 RP = 0.25 paisa. travel, dining, and grocery Cashback rate: 3%. Other spends cashback rate: 0.5%.
International Forex Markup
3.40%
Welcome Benefits and Reward System
Special Features
UPI enabled credit card
Eligibility Criteria
Age criteria (Between 21 and 60 years of age).
Salaried or self-employed.
Minimum net salary of ₹25,000 per month or Income Tax Return of ₹5 lakh.
Benefits
Reward points on various spends.
International lounge access.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Download and Install the Anq App: Begin by downloading and installing the Anq mobile app on your smartphone. You can find it on the Google Play Store or Apple App Store.
Complete KYC (Know Your Customer): Once you launch the app, go through the KYC process. This typically involves providing personal details, Aadhaar card verification, and a selfie for identification purposes.
Eligibility Check: After completing KYC, the Anq app will assess your eligibility for the YES BANK Anq Pi Credit Card.
Review Details and Provide Additional Information: The app will display the card's features, benefits, and eligibility requirements. You might need to provide some additional information during this step.
Submit Your Application: After reviewing the details and filling in any required information, submit your application electronically within the app.
Approval and Issuance: YES Bank will review your application. If approved, your Anq Pi Credit Card details, including the credit card number, will be visible within the Anq mobile app typically within 48 hours (subject to bank verification and approval time).
Contact Details
18001031212 (toll-free number)/ +91 22 49350000.
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward system: Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food. Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, and 4 Yes Reward Points on every ₹200 spent on other selected categories. 1 RP = 0.25 paisa. travel, dining, and grocery Cashback rate: 3%. Other spends cashback rate: 0.5%.
Travel benefits: Free access to airport lounges internationally three times per year.
Dependence on Anq application.
The YES BANK Anq Phi Credit Card might be suitable for those who make frequent purchases across various categories and value a digital experience with the Anq app. However, one should consider potentially lower rewards compared to other cards.
Yes Bank Card Anq Phi Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fees: INR 0
Interest Rates: 3.80% per month (45.60% annually).
Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Charges: Ranges from INR 100 to INR 1200
Foreign Currency Mark-up Fees: 3.40%
Reward Redemption Charges: NIL
Fuel Surcharge
1% waiver, valid for transaction between ₹400 to ₹5,000.
Billing Cycle
30 Days