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Anq Phi Credit Card

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YES Bank Anq Phi Credit Card is a co-branded credit card issued by YES Bank in collaboration with its partner Anq. The card has several benefits to offer at zero joining, including 24 reward points  on spending every Rs. 200 on OTT/ digital goods/ cable/ others, 1% fuel surcharge waiver, 3 complimentary international airport lounge access a year, and much more. The renewal fee of the card i.e. Rs.  499 + applicable taxes, can be waived on total retail spends of Rs. 1,20,000 in a year prior to the card renewal date.

  • Key Highlights
  • Features & Benefits
  • Charges
  • Eligibility Criteria
  • How to Apply?

Key Highlights of YES Bank Anq Phi Credit Card

Joining feeNil
Renewal feeRs. 499 + applicable taxes; Waived on total retail spends of Rs. 1,20,000 in a year
Reward points24 reward points on spending every Rs. 200 on OTT, digital goods, cable, travel, dining, hotels, fast food, groceries, supermarkets, apparel & entertainment and 3 reward points on spending every Rs. 200 on other select categories
Fuel surcharge waiver1% fuel surcharge waiver at fuel stations across India for transactions between Rs. 400 to Rs. 5,000
Airport lounge access 3 access to international airport lounges per year
Age21 - 60 years
Minimum net salaryRs. 25,000 per month or ITR of Rs. 5 Lakhs

Features & Benefits YES Bank Anq Phi Credit Card

Reward Points

  • 24 reward points on spending every Rs. 200 on OTT, digital goods and cable.
  • 24 reward points on spending every Rs. 200 on travel, dining, hotels and fast food.
  • 24 reward points on spending every Rs. 200 on groceries, supermarkets, apparel and entertainment.
  • 4 reward points on spending every Rs. 200 on other select categories.
  • Earn unlimited reward points with no capping.

International Airport Lounge Visits

  • Get 3 access to airport lounges per year internationally. 

Discount

  • Up to 25% discount on select brands including Swiggy, EazyDiner, Instamart, Ajio, GoIbibo, Croma, EaseMyTrip, Zomato, etc.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at fuel stations across India.
  • Valid on transactions between Rs. 400 and Rs. 5,000.
  • The maximum surcharge waiver available per statement cycle is Rs. 300.

Instant EMI

  • Shop for a minimum of Rs. 1,500 and pay in EMIs at attractive interest rates of 16% p.a.
  • Zero documentation is required to avail of this facility.
  • A processing fee of Rs. 199 or Rs. 399 will be applicable.
  • Flexible tenure options available of 3, 6, 9, 12, 18, 24, and 36 months.

Quick Loan

  • Get a loan amount within your card limit to fulfil immediate fund requirements.
  • No documentation, guarantor or post-dated cheques are required to avail of this facility.
  • Attractive interest rates ranging from 8.99% to 30% p.a.
  • A one-time processing fee of up to 2% will be levied.
  • Tenure options of up to 48 months.
  • Direct transfer to your Savings Account through NEFT.

Other Benefits

  • The YES Bank Anq Phi Credit Card is globally accepted across 150+ countries.
  • The facility of contactless transactions.
  • Secure online payments.
  • Hassle-free banking experience.

YES Bank Anq Phi Credit Card Charges

Joining feeNil
Annual feeRs. 499 + applicable taxes; Waived on total retail spends of Rs. 1,20,000 in a year
Charges on revolving credit, cash advances & overdue amount3.80% per month (45.60% annually) 
Charges on rental transactionsMinimum 1% of transaction value or Rs. 199, whichever is higher, on all rental transactions above Rs. 1
Charges on wallet transactionsMinimum 1% of transaction value or Rs. 1, whichever is higher, on all wallet transactions above Rs. 1
Utility charges1% + applicable GST (up to Rs. 3,000/month), on all utility transactions above Rs. 15,000 in a month
Education fee payment charges1% + applicable GST (up to Rs. 5,000 per calendar month) on education transactions via third-party websites & apps 
Fuel transaction charges1% + applicable GST (up to Rs. 5,000 per customer per calendar month) on every fuel transaction above Rs. 10,000 

YES Bank Anq Phi Credit Card Eligibility Criteria 

You must meet the following criteria to be eligible for the YES Bank Anq Phi Credit Card: 

  • The applicant must be aged between 21 and 60 years.
  • The applicant must be salaried or self-employed.
  • The applicant must have a minimum net monthly salary of Rs. 25,000 or an Income Tax Return of Rs. 5 Lakhs.
  • Existing YES Bank credit card holders are not eligible to apply for this card
  • You must have at least 1 existing unsecured credit card issued more than 6 months back with a limit of Rs. 50,000 or above. 

Once you meet the above eligibility criteria, you can apply for the card online with the following documents:

  • A copy of the PAN Card/ Form 60
  • Recent coloured photograph
  • Income proof: Recent Payslip/ Form 16/ ITR copy
  • Identity proof: Passport/ PAN Card/ Aadhaar Card/ Driving License
  • Residence proof: Passport/ Electricity Bill/ Ration Card/ Landline Telephone Bill

How to Apply for a YES Bank Anq Phi Credit Card?

Follow the steps mentioned below to apply online for the YES Bank Anq Phi Credit Card:

  • Download the Anq app
  • Complete your KYC with your Aadhaar number and original PAN card. 
  • If you are eligible for the Phi card, you will see the apply option on the app.
  • Complete the remaining application process online.
  • If your request is approved, you will get a YES Bank Phi credit card issued within 48 hours.
  • Once you get the card, you can check your Phi card number under the Phi section on the Anq app and activate your card after logging in to the app.

FAQs

You can link your YES Bank Anq Phi Credit Card to any UPI app. Go to the add “RuPay credit card” option, select ‘YES Bank’ AND link your Anq PHi card by filling in the required details.

The key differences between the YES Bank Anq Phi and the YES Bank Anq Pi Credit Cards are:

  • The Phi credit card is suitable for domestic as well as international spending, while the Pi credit card is digital-only for domestic transactions.
  • The Phi card is a physical card while the Pi card is a digital card. 
  • The Phi card offers up to 24 reward points on spending every Rs. 200, while the Pi card offers up to 8 reward points on spending the same amount.
  • There is no cap on reward points earned on a Phi card, while the reward points earned on UPI transactions on a Pi card are capped at 5,000 per month.
  • The Phi card comes with zero joining fee and Rs. 499 annual fee, while the Pi card has no joining or annual fee.

You can earn reward points with the YES Bank Anq Phi Credit Card by:

  • Earn 24 reward points for spending every Rs. 200 on travel, dining, hotels, and fast food.
  • Earn 24 reward points for spending every Rs. 200 on groceries, supermarkets, apparel, and entertainment.
  • Earn 4 reward points for spending every Rs. 200 on other select categories.

Yes, you can use your YES Bank Anq Phi Credit Card for international transactions.

Yes, the YES Bank Anq Phi Credit Card offers 3 access to airport lounges per year internationally.

You can redeem the reward points earned with the YES Bank Anq Phi Credit Card by following the steps given below:

  • Log into YES Rewardz (the rewards portal of YES BANK). 
  • Access your account where you can check the accumulated YES reward points.
  • Browse through the reward points section and explore distinct redemption options.
  • Follow the required steps to complete the redemption process.