YES BANK ANQ Phi Credit Card
YES BANK
Free
Joining fee
₹499, waived at ₹1.2L spend
Annual fee
Rs 499 annual fee waived on Rs 1.2 lakh annual spending.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Lounge access
0 domestic / 3 international visits per year
Note: No domestic lounge benefit found as a distinct item; international access is 3 complimentary visits annually plus airport meet & greet service and preferential airport limo rates at select locations.
Reward details
2 reward points per Rs 200 on other spending
- up to 24 reward points per Rs 200 on Groceries, dining, food delivery, flights, hotels
Redemption
Digital Gold and Anq Coins only - market-linked assets, an unusual redemption structure distinct from typical voucher/statement-credit models
- Rewards valid for 3 years from allocation; uncapped and unlimited earning
- Fuel surcharge waiver 1%, capped Rs 300/month, on fuel spends Rs 400-5,000
- Related 'Anq Pi' virtual RuPay companion card offers 8 points per Rs 200 on UPI transactions above Rs 2,000 (capped 5,000 points/month), 24x7 concierge, Rs 2 lakh personal accident insurance, and EMI conversion - a distinct but frequently co-mentioned product
Real-world feedback
No distinct praise/complaint commentary found in aggregator content fetched.
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, lounge, rewards