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Yes Bank Card Anq Phi Credit Card

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 L

Yes Bank Card Anq Phi Credit Card
Pros
  • Reward System: 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 CB Rate: 3%. Other spends CB Rate: 0.5%. 

  • Travel Benefits: Free access to airport lounges internationally three times per year. 

Cons
  • Dependence on Anq App

Pros & Cons
Welcome Benefits

None 

Rewards System

Reward System: 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 CB Rate: 3%. Other spends CB 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 L

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
Yes Bank Card Anq Phi Credit Card

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

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

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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

Fees & Charges
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