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Yes Bank

Anq Phi Credit Card

A closed dining/travel-and-grocery-accelerated fintech co-brand card, no longer accepting applications.

Joining fee
₹0
Annual fee
₹499
Status
Closed
Verified
3 September 2026

Fees

Joining fee
₹0
Annual fee
₹499
Fee waiver
Waived above ₹1,20,000 annual spend
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • dining, travel-flights, travel-hotels: 24 points / ₹200
  • groceries, other-online: 24 points / ₹200Groceries, supermarkets, apparel, and entertainment.
  • everything-else: 4 points / ₹200

No INR-per-point redemption value is stated anywhere for this card.

Travel

Not published by the issuer.

"Complimentary International Lounge Access" is listed as a top benefit, with no numeric visit count stated anywhere on the page.

Eligibility

Minimum age
21 years
Minimum monthly income
₹25,000
Employment
salaried, self-employed

Why this card may suit you

  • The annual fee is waived once you spend 1,20,000 in a year.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge