An In-Depth Review: Yes Bank Anq Pi Credit Card - Uncovering Benefits, Cashback Rates, Cons, Fees, and Charges

Yes Bank is known for launching some of the most unique credit cards is India such as a range of healthcare credit cards. However, Yes Bank Anq Pi Credit Card is not a credit card which has any unique features to attract new age customers. In this comprehensive review, we delve into the key features of the Anq Pi Credit Card, shedding light on its benefits, cashback rates, cons, as well as fees.

Benefits of Yes Bank Anq Pi Credit Card

The Anq Pi Credit Card from Yes Bank offers a limited number of features. Some of the key features have been listed below:

• Reward System: On every ₹200 spent on UPI transactions above ₹2000, you can earn 4 YES Reward Points, and on every ₹200 spent on all online spent, you can earn 2 YES Reward Points. 1 RP = 0.25 paisa. UPI Cashback Rate: 0.5%. Online Cashback Rate: 0.25%. 

• A lifetime free credit card.

Cons

While the Yes Bank Anq Pi Credit Card offers some advantages, it is important to consider its drawbacks as well. We have mentioned the key drawbacks below:

• No free airport lounge visits. Airport lounge visits are a standard feature for most credit cards. However, the Yes Bank Anq Pi Credit Card does not offer any.

• No free movie tickets.

• No dining benefits.

• Low cashback rate.

• Limited number of value-added features.

Fee and Charges

Understanding the fees associated with a credit card is crucial for making an informed decision. The Yes Bank Anq Pi Credit Card comes with an annual fee, as well as charges for late payments, cash withdrawals, and foreign currency transactions. It is important for cardholders to familiarize themselves with these fees to avoid any surprises and manage their finances effectively. We have mentioned the key charges associated with the card below:

• A lifetime free card with no annual fees.

• Interest Rate: 3.80% per month (45.60% annually)

• Cash Advance Charges: 2.5% or Rs. 500, whichever is higher, will be levied.

• Late Payment Charges: Range from INR 100 to INR 1200 

• Foreign Currency Mark-up: 3.40%

• Reward Redemption Charges: NIL 

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Conclusion

Overall Yes Bank Anq Pi Credit Card is a disappointing offering from Yes Bank. There are multiple credit cards in the market that offer better features. The USP of the card is that it is a lifetime free credit card. However, several lifetime free credit cards in India offer better offers and features.

You can read a more detailed review of the credit card and our rating of the credit card here.

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