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YES Bank Anq Phi Credit Card

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Anq Digital Finserv and YES bank have collaborated to design a card named YES Bank Anq Phi Credit Card which is a Mastercard based physical card that comes with a complimentary virtual card named YES Bank Anq Pi Credit Card on RuPay network. These dual-network cards offer an extensive rewards program on all your spends, including UPI and other lifestyle categories with unique redemption options. Read on to know more about YES Bank Anq Phi Credit Card.

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Updated: 18-09-2024 10:28:08 AM

YES Bank Anq Phi Credit Card Overall Rating: ★★★
YES Bank Anq Phi & Pi Credit Cards
Rewards Benefits ★★★ (3.5/5)
Lounge Access ★★ (2/5)
Other Benefits ★★★ (3/5)

Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit the Yes Bank website – Yes Bank Anq pi Credit Card & Yes Bank Anq Phi Credit Card

YES Bank Anq Phi Credit Card lets the users make both domestic and international purchases and offers up to 24 reward points on every Rs. 200 card spend. With accelerated rewards rate on key lifestyle-related spending categories, like food, dining, groceries, travel and UPI transactions, Phi and Pi credit cards come with a decent rewards program for the cardholders. However, when it comes to the rewards redemption, these cards might not fit the bill for all customers since you can only redeem your points against market-linked assets like Digital Gold and Anq Coins. These redemption options are quite different from the usual ones offered by other credit cards which generally include statement credit, product catalogue, air miles, etc.

Overall the YES Bank Anq Phi and Pi cards features and benefits give a decent value-back at a low annual fee of just Rs. 499 which can be later waived off on satisfying the condition of Rs. 1.2 lakh annual spends which is easily achievable for an average spender. This card can be a good choice for those looking for a rewards credit card with high rewards rate of the above discussed accelerated categories and those who are comfortable with the redemption options offered by the card provider.

Read further to know more about EYS Bank Anq Phi & Pi Credit Cards benefits.

On this page
Features & Benefits of YES Bank Anq Phi Credit Card
YES Bank Anq Pi Credit Card
Should You Apply for YES Bank Anq Phi Credit Card
Other Similar Cards to YES Bank Anq Phi Credit Card
YES Bank Anq Phi Credit Card: Fees & Charges
FAQs

Features & Benefits of YES Bank Anq Phi Credit Card

Given below are the main features and benefits offered to the YES Bank Anq Phi credit cardholders:

Rewards Program

  • 24 reward points per Rs. 200 spent: On groceries at supermarkets, department stores & more, on dining out, food delivery orders, and flights & hotels (including online booking sites)
  • 2 reward points per Rs. 200 spent: On other spends
  • Rewards Validity: Up to 3 years from the date of allocation
  • Redemption Options: You can redeem your Phi rewards against Digital Gold and Anq Coins to build your assets

Other Benefits

Complimentary Lounge Access: Up to 3 complimentary international airport lounge visits per year

Annual Fee Waiver: On spending Rs. 1.2 lakh annually

Fuel Surcharge Waiver: 1% surcharge waiver of up to Rs. 300 per month on fuel spends worth Rs. 400 to Rs. 5,000

Airport Concierge: Personal, dedicated meet & greet agent to escort you through airport departure, arrival and connecting flights. Certain airports allow quicker security and immigration processes as well.

Airport Limo Services: Preferential rates for 1st class ground transportation at select airports. Personal, dedicated chauffeur to escort you to the limousine and to drive you to the designated destination.

YES Bank Anq Pi Credit Card

YES Bank Anq Pi credit card is a virtual RuPay Platinum credit card offered as a complimentary with the physical YES Bank Anq Phi credit card. This card shares the same credit limit as assigned to the Phi credit card account and can be used for all online and UPI transactions. You can access the following rewards benefits on using Pi credit card for your spends:

  • 8 reward points per Rs. 200 spent: On UPI transactions worth more than Rs. 2,000 via UPI apps, like Google Pay, PhonePe, etc.
  • 2 reward points per Rs. 200 spent: On all other online transactions made via Anq Pi card, including UPI transactions worth up to Rs. 2,000
  • Capping: Rewards earning on Pi UPI transactions is capped at 5,000 reward points per month
  • Redemption: Redeem the earned rewards against Digital Gold or Anq Coin
  • EMI Facility: Convert your UPI spends into flexible EMI
  • Interest-free period: Of up to 50 days
  • 24×7 Concierge Services: Avail 24×7 referral services, like travel assistance, hotel reservations and consultancy services
  • Comprehensive Insurance Cover: Personal accident insurance & permanent disability cover of up to Rs. 2 lakh
  • Exclusive Merchant Offers: For e-commerce and POS purchases on RuPay Platinum credit cards

Should You Apply for YES Bank Anq Phi Credit Card

YES Bank Anq Phi credit card comes as a good option for those looking for a rewards credit card that offers accelerated reward points on spending categories like travel, household expenses like food and groceries, and dining. However, when it comes to the rewards redemption, this card lets you buy Digital Gold and Anq Coin which are market-linked assets and run the risk of reduction in their value.

Pros Cons
– Up to 24 rewards on dining, food, groceries & travel
– Accelerated rewards on UPI transactions
– Uncapped and unlimited rewards earnings
– Complimentary international lounge access & airport assistance services
– Low annual fee with easily achievable waiver condition
– Dual-network cards with exclusive network offers		 – Limited rewards redemption options
– Value of redemption options is subject to market risks
– Low number of complimentary lounge visits & restricted to international lounges
– No welcome bonus or any significant milestone benefits

Other Similar Cards to YES Bank Anq Phi Credit Card

Given below are some other credit cards with low annual fee and similar rewards benefits to those offered by YES Bank Anq credit cards:

HDFC MoneyBack+ Credit Card

hdfc-bank-moneyback-plus-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

5X CashPoints on EMI transactions at select merchants

Shopping
Reward Points
Check Eligibility

Product Details

  • 2 CashPoints per Rs. 150 spent on other categories
  • 500 CashPoints as welcome benefit after the payment of joining fee
  • Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
Know More

American Express SmartEarn™ Credit Card

smartearn-credit-card
3.5/5

Joining fee: ₹495

Annual/Renewal Fee: ₹495

10X* Membership Rewards® Points on Zomato, Flipkart, Myntra, etc.

5X* Membership Rewards® Points on spends at Amazon

Reward Points
Online Shopping
Check Eligibility

Product Details

  • 1 Membership Rewards® Point per Rs. 50 spent on other categories
  • Rs. 500 voucher each on achieving annual spends of Rs. 1.20 Lakh, Rs. 1.80 Lakh & Rs. 2.40 Lakh respectively
  • 0% convenience fee on fuel purchases below Rs. 5,000 at HPCL Petrol Pumps
Know More

SBI SimplyCLICK Credit Card

simplyclick-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.

5X reward points on other online spends

Reward Points
Online Shopping
Check Eligibility

Product Details

  • 1 reward point for every Rs. 100 spent on other categories
  • Amazon India gift card worth Rs. 500 on joining fee payment
  • Cleartrip/ Yatra e-voucher of Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh
  • Annual fee waived on reaching Rs. 1 lakh annual spends
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
Know More

IDFC FIRST Power+ Credit Card

hpcl-idfc-first-power-and-power-plus-credit-cards
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag

Co-branded
Reward Points
Fuel
Check Eligibility

Product Details

  • 5% savings as 30 rewards per Rs. 150 spent on HPCL fuel & LPG
  • 1.5% savings as 6 Happy Coins per Rs. 100 spent on HP Pay app
  • 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
  • 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
  • 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends
Know More

YES Bank Anq Phi Credit Card: Fees & Charges

Fees/Charges Amount
Joining/Annual Fee Phi Card: Rs. 499 (waived off on Rs. 1.2 lakh annual spends)|
Pi Card: Nil
Cash Advance Fee 2.5% of the withdrawn amount or Rs. 300, whichever is higher
Interest Charges 3.80% per month (45.60% per annum)

FAQs

Q. Can I get YES Bank Anq Pi and Phi Credit Cards if I already own a YES Bank credit card?
A. If you are an existing YES Bank credit card user, then you can raise your enquiry for Anq credit cards at help@anq.finance.

Q. How to apply for YES Bank Anq Phi and Pi Credit Cards & how to activate them?
A. You follow the following steps to check your eligibility and to apply online for YES Bank Anq credit cards:

  • Download Anq app
  • Complete your KYC using your Aadhaar number and original PAN card. You will see the apply option on the app if you are eligible for the Phi & Pi cards.
  • Complete the remaining online application process
  • If approved, you will get Pi credit card issued within 48 hours

Once you get the cards, you can check your Pi card number under the Pi section on Anq app and activate your card by logging in to the app itself.

Q. How to activate UPI transactions on YES Bank Anq Pi Credit Card?
You can activate online & UPI transactions via Anq app using the steps given below:

  • Login into Anq app
  • Under Pi credit card section, go to manage card settings option
  • Login using your credit card number and enter the OTP sent to the registered mobile number
  • Turn on online transactions by going to Pi credit card section

Q. How to link YES Bank Anq Pi Credit Card to UPI app?
A. You can link your Anq Pi credit card to any UPI app. For this, go to the add RuPay credit card option and select YES Bank. Then, link your Anq Pi card by filling in the required details.

 

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