YES BANK Anq Phi Credit Card
Yes Bank · Closed to new applicants
A closed rewards card: 24 YES Rewardz per ₹200 on travel, dining and hotels and on groceries, apparel and entertainment, 4 on other spends, an international lounge benefit, and a ₹499 renewal fee waived at ₹1.2 lakh of spend.
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹1,20,000 spend per card year
- Base rate
- 4 YES Rewardz per ₹200 on other select categories: 4 YES Rewardz per ₹200 (about 0.2% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 24 YES Rewardz per ₹200 on travel, hotels, dining and fast food: 24 YES Rewardz per ₹200 (about 1.2% at cash value)
- 24 YES Rewardz per ₹200 on groceries, apparel and entertainment: 24 YES Rewardz per ₹200 (about 1.2% at cash value)
Earns nothing on
- No YES Rewardz on fuel, rent, wallet, government, cash, utilities and telecom, insurance, tolls, education, jewellery, hospitals and EMI
Terms the calculator does not value
- The rupee values used for redemption come from YES Bank's redemption rules (₹0.25 on flights and hotels, ₹0.10 statement credit and vouchers). Merchandise and catalogue items are valued at ₹0.10 there and carry monthly caps; points expire after 3 years and each redemption request costs ₹100 + GST.
- The international lounge benefit has no visit count or spend condition in the page text; not entered as a lounge.
- Category mapping is approximate: the page's entertainment MCCs (5734, 5735, 5815 to 5818, 5968, 5994, 7993, 7994, 7999, 4899) and its hospital MCCs (8062, 8071, 8099, 5047) only partly overlap our entertainment and health categories, which also hold other MCCs (for example pharmacies 5912).
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, Anq Phi Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Credit Card Redemption Rules (YES Rewardz) (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)