YES Bank Anq Phi Credit Card

No Joining Fee

The YES Bank Anq Phi Credit Card does not have any joining fee, which means you can get the card without paying anything in advance. There is a renewal fee of ₹499, meaning you have to pay to keep the card active each year. However, if you spend a total of ₹1.2 lakhs in a year, the renewal fee of ₹499 will be waived, making it easier to maintain your card without any extra charges.

Reward Rate

The YES Bank Anq Phi Credit Card offers an attractive reward rate. You earn 24 Reward Points for every ₹200 spent on several categories, including travel, dining, hotels, and fast food. For other spending categories like groceries and entertainment, you still earn 24 points for every ₹200. Even on select categories, you receive 4 Reward Points for every ₹200 spent. This card allows you to accumulate points without any cap, meaning you can earn unlimited rewards.

You will not receive Reward Points for the following transactions: fuel purchases, rent payments, loading your wallet, government services, ATM withdrawals, utility and telecom bill payments, insurance premiums, toll and bridge fees, educational services, jewelry, watches, clocks, silverware, Point of Interest funding transactions, hospital expenses, automated cash disbursements, precious stones and metals, cash advances, fees and charges, and transactions converted to EMI.

Reward Redemption

Here’s how you can redeem your reward points:

• Visit the YES Bank rewards portal.
• Choose from a variety of redemption options, including merchandise, travel bookings, or cash back.
• Points can be converted into gift vouchers for popular brands.
• Keep track of your points using the mobile app for easy redemption.

Airport Lounge Access

With the YES Bank Anq Phi Credit Card, you can enjoy complimentary access to international airport lounges up to three times a year. This means that before your flight, you can relax in a comfortable lounge area where you’ll find amenities like free snacks, beverages, Wi-Fi, and sometimes even shower facilities. This service makes your travel experience much more enjoyable by providing a quiet and peaceful space away from the usual airport hustle and bustle.

Concierge Services

The YES Bank Anq Phi Credit Card offers airport concierge service, which makes your travel experience smoother and more enjoyable. With this service, you receive preferential rates for assistance at the airport. When you arrive or depart, a dedicated Meet & Greet agent will be available to guide you through the airport. The agent helps with check-in, security, and boarding, whether you’re catching your flight or arriving at your destination. This service adds a touch of luxury to your journey, making your airport experience much more comfortable.

Fuel Surcharge Waiver

The YES Bank Anq Phi Credit Card offers a fuel surcharge waiver, providing cardholders with savings on fuel purchases. You can enjoy a 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000 at fuel stations across India. This means that you won’t have to pay the additional charges normally applied when making fuel transactions. The maximum amount capped is ₹300 per month. The waiver is designed to help you save money, especially if you frequently travel or depend on your car.

Eligibility Criteria

• Age Requirement: Applicants must be between 21 and 60 years old.
• Employment Status: Both salaried and self-employed individuals can apply.
• Income Criteria: A minimum net salary of ₹25,000 per month is required, or an income tax return showing an income of ₹7.5 lakhs and above.
• Existing Customers: Current YES Bank credit cardholders are not eligible for this card.
• Documentation: Necessary documents proving age, income, and employment status will be needed during the application process.

YES Bank Anq Phi Credit Card Review

The YES Bank Anq Phi Credit Card comes with no joining fee and a potential waiver on the renewal fee. The reward structure is generous, allowing cardholders to earn points on a variety of categories, making it easy to accumulate rewards without limits. The complimentary access to international airport lounges upgrades the travel experience. While some benefits, like dining perks, are absent, other features and user-friendly redemption options make this card a valuable addition to your wallet. If you prioritize shopping and travel rewards, the YES Bank Anq Phi Credit Card is definitely worth considering.