All cards / Yes Bank
Yes Bank
YES Bank Anq Phi Credit Card
Mastercard
YES Bank Anq Phi Credit Card
A Mastercard-network physical card from fintech partner ANQ that comes bundled with a virtual RuPay 'Pi' card for UPI, letting one credit line cover both card-present and UPI spending. The renewal fee waiver is achievable for anyone spending over Rs 10,000 a month.
Annual fee
₹499
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
3 complimentary international airport lounge visits per year.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,20,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Up to 24 reward points per Rs 200 spent, with a complimentary companion Anq Pi virtual RuPay card sharing the same credit limit for UPI payments.
- 3 complimentary international airport lounge visits per year.
- Airport concierge service and fuel surcharge waiver.
Pros
- + Bundled virtual RuPay card for UPI on the same limit
- + International lounge access at a modest fee
- + Renewal fee waiver on reasonable annual spend
Cons
- − Card ecosystem (Anq app) is newer and less established
- − Reward rate is unremarkable outside the point multiplier