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
BOBCARD ETERNA
Rs 2,499Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic lounge access requires Rs 40,000 net spends in the preceding calendar quarter.
- For newly issued fresh cards, the spend threshold is waived in the quarter of card issuance; if the card is issued in the last month of a quarter, the waiver extends through the following quarter.
- Interest, fees, reversed transactions, and EMI instalments are excluded from the lounge-eligibility spend calculation.
2%Forex markup
Best for
travel, dining, online, lounge, premium
Top rewards
Travel, dining, online, and international spends: 15 reward points per Rs 100; Other eligible spends: 3 reward points per Rs 100
| Feature | YES BANK Anq Phi Credit Card | BOBCARD ETERNA |
|---|---|---|
| Issuer | YES Bank | Bank of Baroda |
| Network | Mastercard | Visa |
| Joining fee | Rs 0 | Rs 2,499 |
| Annual fee | Rs 499 | Rs 2,499 |
| Fee waiver spend | Rs 1,20,000 | - |
| Reward type | YES Rewardz points | reward points |
| Best for | travel, dining, online, co-branded | travel, dining, online, lounge, premium |
| Top reward categories | 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 | Travel, dining, online, and international spends: 15 reward points per Rs 100; Other eligible spends: 3 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | Unlimited |
| International lounge | 3 | 0 |
| Forex markup | 3.4% | 2% |
| Milestone benefits | Not listed | 10,000 bonus reward points on spending Rs 50,000 within first 60 days, 20,000 bonus reward points on annual spends of Rs 5,00,000 |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals | Fuel transactions, Cash advance / cash withdrawal transactions, Fees and charges (joining fee, annual fee, finance charges, and other levied charges) |