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If you are applying for a YES Bank Credit Card, you need to be aware of the documentation and eligibility criteria set by the bank. A YES Bank Credit Card opens doors to a world of financial flexibility, convenient transactions, and exciting rewards programs. By carefully assessing your circumstances and ensuring you meet the relevant eligibility criteria, you initiate a positive relationship with your credit card issuer, YES Bank. 

Eligibility Criteria

As you consider applying for a YES Bank Credit Card, the following eligibility criteria set the foundation for a smooth credit experience:

  • Meet the Age Criteria:

You should fall within the age bracket of 21 to 60 years. This can ensure financial stability and responsible credit utilisation.

  • Showcase Income Stability:

You must be a salaried or self-employed individual with a steady source of income. This can help ensure the ability to comfortably manage monthly repayments and maintain a healthy credit utilisation ratio.

  • Fulfil the Minimum Income Requirement:

A minimum monthly income of ₹40,000 is generally required across most YES Bank Credit Cards. For specific cards like the YES Prosperity Edge series, slightly higher income thresholds may apply. This ensures responsible credit card usage commensurate with individual financial capabilities.

  • Beyond the Basics:

While these points highlight the general eligibility criteria, it's crucial to consider additional factors specific to each YES Bank Credit Card type. These may include employment type, credit score, and documentation requirements. For the most accurate and up-to-date information, you can explore the YES Bank website or contact their customer care directly.

Documents Required

This is a comprehensive checklist of documents for your YES Bank’s credit card application:

Identification Proof

  • Aadhaar Card

  • Passport

  • Driving License

  • PAN Card

Residence Proof

  • Electricity Bill

  • Landline Telephone Bill

  • Passport

  • Ration Card

Income Proof

  • Latest Payslip

  • Income Tax Return

 

Specific documentation requirements may vary slightly depending on the chosen YES Bank Credit Card. Consulting the official website or contacting customer care for the latest updates is essential.

How to Improve YES Bank Credit Card Eligibility

If you are looking to improve eligibility for a YES Bank Credit Card, here are the tips you must keep in mind:

  • Work on improving your CIBIL score

  • Make timely credit card payments

  • Maintain a good credit utilisation ratio

  • Ensure that you do not make too many hard enquiries for credit cards

  • Maintain a good debt-to-income ratio

  • Steer clear of cheque bounces and other penalties on other lines of credit

  • Try to increase the gap between your income and total debt for a better credit deal

Frequently Asked Questions

What should my credit score be to get a credit card from YES Bank?

The higher the credit score, the better your chances of getting approved for a YES Bank Credit Card. A credit score of about 750 is considered very good.

What is the minimum salary to get a YES Bank Credit Card?

For salaried individuals, the monthly income must be more than ₹25,000 to be eligible to apply for a YES Bank Credit Card. The income requirements vary from card to card.

What is the eligibility for a YES Bank Credit Card?

To be eligible for a YES Bank Credit Card, you need to meet the below-mentioned eligibility criteria:

  • You must be older than 21 years and less than 60 years.

  • You must be a salaried or self-employed individual with a steady income.

  • For salaried individuals, monthly income must be more than ₹40,000. For self-employed individuals, your Income Tax returns must be a minimum of ₹5 lakh. The income requirements vary from card to card.

What are the factors affecting YES Bank Credit Card eligibility?

The factors affecting YES Bank Credit Card eligibility are age, employment, and income.

What is the YES Bank Credit Card eligibility for salary account individuals?

The YES Bank Credit Card eligibility criteria for salaried individuals are:

  • The age of the applicant must be between 21 to 60 years.

  • The minimum monthly income of the individual must be ₹40,000 or above (varies with the card).

What is the YES Bank Credit Card online application eligibility?

You can easily check your eligibility and apply online on the Bajaj Markets website/app. You can improve your chances of getting approved as long as you meet the age, income, and employment-specific criteria for a YES Bank Credit Card.

What is the minimum CIBIL score required for a YES Bank Credit Card?

Most credit card issuers require you to have a CIBIL score of 750 or above to qualify for a credit card. 

Can I get a YES Bank Credit Card if my salary is ₹15,000?

Generally, a steady monthly income of ₹40,000 is required for a YES Bank Credit Card. However, you can get in touch with their customer services team to gain a better understanding of your case.

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