YES Bank Anq Phi Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank Anq Phi Credit Card is a mid co-branded credit card from YES Bank and Anq, with a joining fee of ₹0 + GST.
Cardholders get 2 annual international airport lounge access.
YES Bank Anq Phi Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 2.40%
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
Base 2.40% on other spends.
Reward Redemption
Anq Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 2.4% = ₹360/mo
- Groceries₹8,000 · 2.4% = ₹192/mo
- Dining & food delivery₹8,000 · 2.4% = ₹192/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 2.4% = ₹240/mo
- Utilities & bills₹5,000 · 2.4% = ₹120/mo
Est.net rewards for this spend, realistic
₹13,248/yr₹13,248 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded mid card by YES Bank and Anq.
- Lifetime free — no joining or annual fee.
- Available on the Mastercard network.
- Complimentary airport lounge access: international (2/annual).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Strong base reward rate of 2.40%.
- Complimentary international airport lounge access.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
International
2 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹5,00,000 p.a.
- Income (self-employed)
- ₹5,00,000 p.a.