YES Bank
Anq Phi Credit Card
SimplifyCards take:A good fit if you want a card built for travel, dining, and online
✓
Best for Travel And HotelsBest for
24 YES Rewardz Points / ₹200 spent
!
Avoid if you spend big on fuel, rent, and insuranceWatch out
These categories are excluded and won't earn rewards
✦
Good fit if you want a card built for travel, dining, and onlineBottom line
It combines complimentary airport lounge access and accelerated rewards on travel and hotels
Estimate your YES Rewardz Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
YES Rewardz Points rates
| Category | Rate |
|---|---|
| Travel And Hotels | 24 YES Rewardz Points / ₹200 spent |
| Dining | 24 YES Rewardz Points / ₹200 spent |
| Groceries And Supermarkets | 24 YES Rewardz Points / ₹200 spent |
| Apparel, Online Entertainment, OTT, And Digital Goods | 24 YES Rewardz Points / ₹200 spent |
| Other Retail Spends | 4 YES Rewardz Points / ₹200 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Vouchersupto ₹ 0.25 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Anq App | Digital Gold | 4:1 |
| Anq App | Bitcoin | 4:1 |
Important conditions
1
International lounge3 visits per year
- 3 complimentary international lounge visits per calendar year
2
Fee waiverRenewal fee waived on annual spends of ₹ 1.2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹300 per month
Additional details
- Co-branded credit card issued in partnership with Anq Finance
- Reward points (YES Rewardz) can be redeemed for Digital Gold or Bitcoin via the Anq app, or standard catalog rewards (vouchers, travel, products) via the YES Rewardz portal
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Anq approval criteria
Self-employed
- Age: 21 to 60 years
- Eligibility is subject to YES BANK and Anq approval criteria
Exclusions
Spending that does not earn yes rewardz points
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- utility and telecom bill payments
- insurance premium payments
- toll payments
- educational services
- hospital spends
- EMI transactions (including post-facto conversions)
Compare before you decide
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