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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
YES Bank
shopping
•••• •••• •••• 0000
Anq Phi
VISAYes Bank • Visa•
Annual Fee
₹499
Base Reward Rate
0.40%
Foreign Tx Fee
3.4%
Tier
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
3 complimentary international airport lounge visits annually
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹4,272
Blended 0.68% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Co-branded fintech card with ANQ Finance. Reward redemption fee Rs.100+GST. No insurance, dining or golf benefits. Airport concierge (Meet & Greet) at preferential rates. No reward points on fuel, rent, wallet, utilities, insurance, EMI, etc.