Yes Bank ANQ Phi Credit Card: Features & Apply

Table of Contents

Summary

The Yes Bank ANQ Phi Credit Card is a new and useful card for young professionals, people who shop online a lot, and people who want to be healthy. Yes Bank and the fintech platform ANQ produced the card. It looks well, functions well, and you can win a lot of different things with it. One of the best things about it is that you don’t have to pay to join. If you spend ₹1.2 lakh or more a year, paying the yearly fee of ₹499 is easy.

This credit card is different since it has a rewards program. For every ₹200 you spend on things like shopping, eating out, traveling, OTT subscriptions, and entertainment, you can get 24 reward points. You still get 4 points for every ₹200 you spend in other categories. The best thing is that you can gain as many points as you want.

You also get perks like three free trips to airport lounges in other countries per year, no extra charge for gas, and good EMI conversion options for significant purchases. You don’t even have to touch the card to pay because Mastercard is accepted everywhere. If you need money right away, you can also borrow up to your card limit at a fair interest rate.

Introduction

In today’s world, credit cards are more than just a way to spend money; they are also a smart way to manage your money, receive points, and get special deals. The Yes Bank ANQ Phi Credit Card is one of these modern and feature-rich credit cards. This card is great for young professionals and tech-savvy people who want ease, savings, and incentives. It was made with their needs in mind.

First, Yes Bank has teamed up with ANQ, a quickly rising financial technology platform, to provide the Phi Credit Card. This card is different from others because it has a trendy look and a lot of perks that are perfect for the modern user. This card is useful in several ways, including giving you cash back on everyday purchases and letting you into airport lounges.

The application process for the Yes Bank ANQ Phi Credit Card is straightforward and quick. You can apply online in just a few simple steps, and there’s no need to complete extensive documentation. This process is easy to utilize, even for people who are applying for their first credit card. Also, the requirements for qualifying are flexible, which makes it easier for both salaried and self-employed people to get approved.

The rewards program on this credit card makes it even more appealing. You get points every time you use your card to buy something, eat out, fill up your gas tank, or travel. There are also special discounts, holiday specials, and bargains that are only available for a limited time, which can help you save more while making wise purchases. The Yes Bank ANQ Phi Credit Card is more than just a way to pay; it’s a way to improve your life.

What is the Yes Bank ANQ Phi Credit Card?

This credit card is perfect for consumers who wish to spend money in a sensible, safe, and rewarding way. It has great benefits, such as cash back, points for prizes, and access to airport lounges. Also, there are no fees to join, which makes it even more tempting.

You can also pay with the Yes Bank ANQ Phi Credit Card without touching anything, which makes it easy and safe to buy things. It also has robust security features, like real-time notifications for transactions and easy card administration using the smartphone app. This card is great for people who buy stuff online, eat out, or travel a lot.

How is the design of the Yes Bank ANQ Phi Credit Card?

The Yes Bank ANQ Phi Credit Card is quite attractive and will stand out in your pocket. First of all, the card has a smooth, matte texture that makes it look and feel current and high-end. The second thing is that the colors are simple but classy, either a soft pastel or a dark tone. This makes it look professional without being too ostentatious.

The arrangement of the card is quite lovely. It features a style that is well-balanced, which makes it look sleek and simple. It has the ANQ insignia, the bank’s logo, and your name on it. The contactless payment indication is also in a nice place and easy to see, which fits with the card’s tech-savvy design. The design is modern, easy to use, and perfect for people who want designs that are pretty but not too flashy.

What are the benefits of the Yes Bank ANQ Phi Credit Card?

In simple, plain English with clear transitions, here are the most important facts you need to know about the Yes Bank ANQ Phi Credit Card:

1. You can win a lot of prizes just by buying goods every day.

For every ₹200 you spend on groceries, eating out, entertainment, travel, hotels, fast food, OTT, and digital subscriptions, you get 24 reward points. This is the same as getting back 3%.

You can also get 4 reward points for every ₹200 you spend on other goods that are eligible.

2. Getting into airport lounges

Next, you can use an international airport lounge for free three times a year. This is a tremendous benefit for people who travel a lot.

3. No extra charge for gas

You can also save 1% on the gasoline tax when you buy petrol or diesel for between ₹400 and ₹5,000. This could add up to ₹300 every billing cycle.

4. No cost to sign up, and a simple way to get rid of the yearly fee

You don’t have to pay anything to sign up, and if you spend ₹1.2 lakh in a year, the ₹499 yearly fee is erased.

5. Things about credit that can be changed

You can turn big purchases (above ₹1,500) into EMIs at good rates (like 16% p.a.) without having to fill out a lot of documents.

You can also receive a rapid loan against your card limit at low rates (8.99% to 30% per year) that goes right into your savings account.

6. Accepted everywhere and easy to use without touching

You may use the card in more than 150 countries. It contains World Mastercard capabilities, lets you make purchases without touching the card, and keeps your online transactions safe.

What are the fees for the Yes Bank ANQ Phi Credit Card?

Here is a simple breakdown of the Yes Bank ANQ Phi Credit Card fee.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank ANQ Phi Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get a Yes Bank ANQ Phi Credit Card?

The documents that you will have to submit to get the Yes Bank ANQ Phi Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank ANQ Phi Credit Card be used?

Here is the list of places where you can use it:

With the Yes Bank ANQ Phi Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Yes Bank ANQ Phi Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The Yes Bank ANQ Phi Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank ANQ Phi Credit Card?

The credit amount you can spend is what you are provided with when you have a Yes Bank ANQ Phi Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the Yes Bank ANQ Phi Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the Yes Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank ANQ Phi Credit Card.

Simply hover your cursor over the Yes Bank ANQ Phi Credit Card and select ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can request additional documents or information if necessary.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest Yes Bank branch to apply for the Yes Bank ANQ Phi Credit Card.

Request the credit card application form for the Yes Bank FinanceBooster Rupay Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Yes Bank ANQ Phi Credit Card by post at the same postal address.

Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Yes Bank ANQ Phi Credit Card in 2025 be the right choice?

Obtaining the Yes Bank ANQ Phi Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

The Yes Bank ANQ Phi Credit Card is a great choice for smart, sophisticated folks who desire a lot of features. This card is fantastic for your money, your way of life, and your ease of use all at once. You can gain great rewards points on things you buy every day and get into airport lounges for free in other countries, for example. You don’t have to pay to sign up, and it’s easy to get rid of the yearly charge. This is helpful for folks who are new to using cards and want to keep their charges low.

People who buy items like meals delivered to their door, OTT subscriptions, trips, and things they buy online will love this card. One important point to keep in mind is that these groups have a high reward rate, which might be as high as 3%. You can also get rapid loans up to your card limit and make significant purchases into EMIs, which gives you more financial freedom and peace of mind.

This card is just like any other item you may buy; therefore, there are some things you should think about. The card says you’ll get large rewards, but the points you redeem might not be worth as much, depending on how you use them. It’s also a good idea to check with the lounge partners before you go, since some customers have stated they had problems getting into airport lounges.