Yes Bank Card Anq Phi Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 RP = 0.25 paisa.
Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food, Cashback rate: 3%
Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, Cashback rate: 3%
4 Yes Reward Points on every ₹200 spent on other selected categories. cashback rate: 0.5%.
Movie Benefits
None.
Dining Benefits
Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food, Cashback rate: 3%
Other Benefits
None.
Lounge Access
Travel benefits: Free access to airport lounges internationally three times per year.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 RP = 0.25 paisa.
Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food, Cashback rate: 3%
Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, Cashback rate: 3%
4 Yes Reward Points on every ₹200 spent on other selected categories. cashback rate: 0.5%.
Movie Benefits
None.
Dining Benefits
Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food, Cashback rate: 3%
Other Benefits
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Lounge Access
Travel benefits: Free access to airport lounges internationally three times per year.
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
2.5% of the amount withdrawn or 500, whichever is higher
Interest rate
Interest Rates: 3.80% per month (45.60% annually).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1200
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.40%
Other Fees
Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher. | Reward Redemption Charges: NIL
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.80% per month (45.60% annually).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1200
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.40%
Other Fees
Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher. | Reward Redemption Charges: NIL
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.
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
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.
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.
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