An In-Depth Unbiased Review of the Yes Bank Card Anq Phi Credit Card: Benefits, Fees, and Overview

Yes Bank is known for its unique credit cards in the crowded credit card space. In this comprehensive review, we delve into the key aspects of this credit card, from its advantages to potential drawbacks, as well as its fees and overall overview.

Benefits of the Yes Bank Card Anq Phi Credit Card

• 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 of the Yes Bank Card Anq Phi Credit Card

While the Yes Bank Card Anq Phi Credit Card has limited benefits. It does not offer many features which are considered standard such as: airport lounge benefits, movie benefits, dining benefits, and milestone benefits.

Fees and Charges Overview

In terms of fees, the Yes Bank Card Anq Phi Credit Card follows industry standards with annual fees and interest rates.

• 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• Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.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 

Final Thoughts on the Yes Bank Card Anq Phi Credit Card

Overall, the Yes Bank Card Anq Phi Credit Card offers limited benefits. Overall it is a disappointing credit card coming from the famed Yes Bank Stable.

Read a detailed review of Anq Phi Credit Card and our rating of it here.

Remember, choosing a credit card is a personal decision that should align with your financial habits and goals. It's always recommended to compare different options and select the one that best suits your lifestyle and preferences. Research thoroughly, weigh the pros and cons, and make an informed decision for a smoother financial journey.

By providing this detailed review of the Yes Bank Card Anq Phi Credit Card, we aim to assist individuals in making informed choices when it comes to selecting a credit card that aligns with their financial needs.