CardIQIndia
Verified by CardIQ admin · last checked 05 Jul 2026
38
#18 of 70 in debit
ANQ Digital Finserv

ANQ X Prepaid Card

debitRuPayentry

Score breakdown

Data completeness: 90% · Last verified: 06 Jul 2026

Reward value21/100 · weight 65%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, wallet_load, rent, fuel, insurance. Reward score is scaled by ×(1 − 4.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency100/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks5/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹699 + 18% GST
= ₹825 total
Annual fee
Lifetime free

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
all_spendscashback1%—1% rewards on eligible spends, credited as Digital Gold / Bitcoin / Aptos. Earned on multiples of ₹150. No monthly cap. Value fluctuates with underlying asset.
fuelcashback0%—No rewards on fuel / ATM / refunds / fees / restricted MCCs.
rentcashback0%—No rewards on rent payments.
wallet_loadcashback0%—No rewards on wallet loads.
governmentcashback0%—No rewards on government payments.

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

ATM withdrawalsRefunds and reversalsFees and chargesRestricted MCCsRewards are market-linked (value may rise or fall)Voucher reward rates vary by merchant and promotionPrepaid card — does not build credit history

Welcome offer

No welcome bonus. Rewards accrue as Digital Gold / Bitcoin / Aptos on eligible spends.

What's inside

Lifestyle

  • ANQ Shopping Voucher Boost

    ₹0

    Up to 16–25% rewards on 200+ brand vouchers (Amazon, Swiggy, Myntra, Nykaa, Flipkart, etc.) purchased via the ANQ Shopping marketplace. Value depends on how much you actually spend on vouchers.

    yearly.