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Klick RuPay Credit Card VS YES Bank Anq Phi Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Klick RuPay Credit Card
Klick RuPay Credit Card
YES Bank Anq Phi Credit Card
YES Bank Anq Phi Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeFree (1st year)
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based WaiverNil (as it is a lifetime-free card)
Spend Based WaiverAnnual renewal fee of ₹499 + GST is waived if ₹1.2 lakhs or more is spent in the previous year.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.40%
Interest Rate (APR)3.8% Monthly
Interest Rate (APR)3.99% per month (47.88% annually)

Rewards & Benefits

Welcome Bonus
Welcome Bonus* Nil
Rewards RateEarn 2 Reward Points for every ₹200 spent on non-UPI transactions.
Rewards RateEarn 24 Reward Points for every ₹200 spent on groceries, travel, dining, apparel, OTTs, hotels, and fast food; 4 points on other select categories.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access3 complimentary visits to international airport lounges annually.
Travel Benefits
Travel Benefits3 complimentary international airport lounge visits annually; preferential rates for airport concierge services.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1%
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400 to ₹5,000, capped at ₹300 per month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesNil
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Klick RuPay Credit Card

YES Bank Anq Phi Credit Card

Who is it for?

The Klick RuPay Credit Card by Yes Bank and Kiwi is a lifetime-free virtual credit card, perfect for modern consumers seeking value. It offers zero joining and renewal fees, cashback on all transactions, and a 1% fuel surcharge waiver, making everyday spending more rewarding. With secure digital payments and UPI functionality, this card provides a convenient and hassle-free experience for managing daily expenses.

Who is it for?

The YES Bank Anq Phi Credit Card, co-branded with ANQ Finance, is a mid-range offering designed for everyday spending, especially in groceries, travel, and dining. It features no joining fee, three complimentary international lounge visits annually, and a 1% fuel surcharge waiver. This card is ideal for those prioritizing shopping and travel rewards, offering a generous, uncapped reward structure and a potential annual fee waiver. Despite a high Forex markup, its overall benefits make it a strong contender for its target audience.

Pros

Key benefits and features.

No joining or renewal fees make the Klick RuPay Credit Card highly economical.

Enjoy guaranteed cashback on every transaction made with the Klick RuPay Credit Card.

Benefit from a 1% fuel surcharge waiver, significantly reducing fuel expenses.

The Klick RuPay Credit Card is 100% virtual, offering instant access and secure digital payments.

Seamlessly make UPI payments directly from your Klick RuPay Credit Card for daily needs.

Pros

Key benefits and features.

No joining fee makes the YES Bank Anq Phi Credit Card a cost-effective option to acquire.

Enjoy 3 complimentary international airport lounge visits annually, enhancing travel experiences.

Generous reward structure with 24 points per ₹200 on key categories and no accumulation cap.

Annual fee waiver is achievable by spending ₹1.2 lakhs, making the card more affordable.

Provides a 1% fuel surcharge waiver, offering savings on regular fuel expenses.

Cons

Key drawbacks and limitations.

The reward rate of 2 points per ₹200 on the Klick RuPay Credit Card is relatively low.

Klick RuPay Credit Card lacks premium benefits like lounge access or travel discounts.

A foreign currency markup of 3.5% on the Klick RuPay Credit Card is quite high.

The Klick RuPay Credit Card does not offer any specific welcome or milestone benefits.

Cons

Key drawbacks and limitations.

High foreign currency markup of 3.40% makes international spending less attractive with this card.

Lacks specific dining, movie, golf, or insurance benefits beyond general reward point earnings.

Reward points are not earned on essential transactions like fuel, utilities, and government services.

Existing YES Bank credit cardholders are not eligible to apply for the Anq Phi Credit Card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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