Co-BrandedEntryRuPay✦ Anq

YES Bank Anq Phi Credit Card

No longer offered

Yes Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Closed to new applications

Annual fee₹499Waived on ₹1.2L spend

Rewards24 reward points per ₹200 on travel, dining, hotels, fast food, groceries, supermarkets, apparel and entertainment, and 4 per ₹200 on other select categories.

Forex markup3.4%3.40% on foreign currency conversion

Rewards

Base earn rate

24 reward points per ₹200 on travel, dining, hotels, fast food, groceries, supermarkets, apparel and entertainment, and 4 per ₹200 on other select categories.

YES Rewardz

• Redemption fee: ₹100

Lounge access

International

3visits / year

Fees & charges

Joining fee: Nil
Annual / renewal fee: ₹499 plus applicable taxes on renewal
Annual fee waiver: The renewal fee is waived on retail spends of ₹1,20,000 in the year before the renewal date.
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: 3.40% on foreign currency conversion
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns
Duplicate card: ₹100

Late payment

Outstanding amount	Late fee
₹0 – ₹500	₹0
Above ₹501	Above ₹500 — 10% of the statement balance, capped at ₹1,350

View official MITC →

Eligibility

Income (salaried): Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above
Income (self-employed): ₹7.5L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed