BOBCARD SELECT
Rs 750Annual fee
Rs 70,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
online, dining, utility bills, low fee
Top rewards
Dining, utility bills, and online spends: 5 Reward Points / Rs 100; Other eligible spends: 1 Reward Point / Rs 100
YES BANK Anq Phi Credit Card
Rs 499Annual fee
Rs 1,20,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- 3 complimentary international lounge visits per calendar year
3.4%Forex markup
Best for
travel, dining, online, co-branded
Top rewards
Travel and hotels: 24 YES Rewardz Points / Rs 200 spent; Dining: 24 YES Rewardz Points / Rs 200 spent; Groceries and supermarkets: 24 YES Rewardz Points / Rs 200 spent
| Feature | BOBCARD SELECT | YES BANK Anq Phi Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | YES Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 750 | Rs 0 |
| Annual fee | Rs 750 | Rs 499 |
| Fee waiver spend | Rs 70,000 | Rs 1,20,000 |
| Reward type | reward points | YES Rewardz points |
| Best for | online, dining, utility bills, low fee | travel, dining, online, co-branded |
| Top reward categories | Dining, utility bills, and online spends: 5 Reward Points / Rs 100; Other eligible spends: 1 Reward Point / Rs 100 | Travel and hotels: 24 YES Rewardz Points / Rs 200 spent; Dining: 24 YES Rewardz Points / Rs 200 spent; Groceries and supermarkets: 24 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 3 |
| Forex markup | 3.5% | 3.4% |
| Milestone benefits | First year fee reversal on spending Rs 7,500 within first 60 days, Annual fee waiver on spending Rs 70,000 in a year | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel transactions do not earn reward points, accelerated reward points are subject to monthly cap, taxes and charges excluded as per BOBCARD terms | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |