YES Bank Credit Card Limit

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YES Credit Card Limit

**Disclaimer: YES Bank Credit Card is not a Bajaj Markets product. Offers would be from partner Banks/NBFCs only

 

Your YES Bank credit card limit is the maximum amount you can spend on your YES Bank credit card to fund your purchases. There are two types of credit limits- the total credit limit and the available credit limit. The total credit limit is the maximum amount you can borrow on your card. The available credit limit on the other hand is the difference between the total credit limit and the outstanding balance. As a result, the higher the credit limit, the higher your spending capacity.

You can check your YES Bank credit card limit easily online as well as through offline channels, via the following methods:

YES Bank Credit Card Limit Check Online

YES Credit Card Limit Check Offline

  • Via YES Bank netbanking

  • Via YES Bank Mobile App

  • Via YES Bank credit card customer care 

  • Via YES Bank branch visit

How is YES Bank Credit Card Limit Decided

YES Bank credit limit is decided based on several factors. Some of the common factors which influence the total funds on your card are mentioned below:

1)  Monthly Income-to-Debt Ratio

The amount of money you earn directly influences the money you can pay back against your credit card expenses. The bank considers both your income as well as your monthly debt when deciding your credit card limit.

2)  Credit Profile

Your credit history and the type of purchases made are also evaluated by the bank when determining the limit on your YES Bank credit card. Do note that the bank has the sole discretion in modifying your credit and cash limit based on the changes in your credit profile.

3)  Credit Score

You can expect a higher credit limit if you have had a high credit score for a relatively long period. It is, therefore, crucial to improve your credit score before you apply for a credit card.

4)  Existing Card Limit

If you have other credit cards, the bank would take into consideration the credit limit on these other cards before deciding the limit on your new YES Bank credit card.

How to Check YES Bank Credit Card Limit 

You can avail any one of the below-mentioned online or offline facilities to check your YES card limit.

1)  YES Bank Credit Card Limit Check via Netbanking

  • Step 1: Visit the YES Bank official website.

  • Step 2: Log in to your YES Bank credit card netbanking.

  • Step 3: Go to the 'Credit Card’ tab.

  • Step 4: Select the credit card for which you want to view the credit limit.

  • Step 5: Click on 'View account summary' to view your credit card limit.

2)  YES Bank Credit Card Limit Check via YES Mobile App

  • Step 1: Log in to the YES Bank mobile app.

  • Step 2: Go to the ‘Credit Card’ section in the menu.

  • Step 3: Click on ‘Account Summary’ to view your credit card limit.

3)  YES Bank Credit Card Limit Check via Customer Care

Apart from the above-mentioned online methods, you can also check the credit card limit offline by calling the YES Bank credit card customer care and requesting a bank representative for the details.

How to Increase YES Bank Credit Card Limit

If you are in need of more money, you can choose to increase your YES Bank credit card limit. There are several ways of doing so:

1)  Limit Increase via Customer Care

YES Bank credit card limit enhancement request can be placed by calling the customer care on 1800 103 1212. Once you have authenticated your identity, the bank executive will check your YES Bank credit card limit increase eligibility and duly inform you of the same.

2)  Limit Increase via Email

You can opt for YES Bank credit card limit increase online by sending an email to yestouch@yesbank.in. Do note that you would need to provide your credit card details to check your eligibility. If you have a YES Bank Prosperity credit card, you would need to send the SMS to yestouchcc@yesbank.in. On the other hand, if you have a YES Bank FIRST credit card, you would need to send the email to yesfirstcc@yesbank.in.

3)  Limit Increase via Post

You can also express your interest to increase your credit card limit to YES Bank by downloading and filling in the credit card limit increase form available on the bank website. You can then send it via post to the following address:

 

YES Private Credit Cards Division

YES Bank Ltd., YES Bank Towers,

Plot No. 14, 3rd Main Road,
Ambattur Industrial Estate,

Ambattur, Chennai,

Tamil Nadu 600 058

 4)  Limit Increase via Branch Visit

You can request the bank to increase your YES Bank credit card minimum limit by visiting your nearest bank branch. You would need to provide certain documents for verification, post which, the bank will evaluate your chances of getting approved for a credit limit increase.

 Eligibility & Documents Required to Increase YES Credit Card Limit

To be eligible for YES Bank credit limit enhancement, you must provide the following documents as proof:

  • Latest Income Tax Return along with the tax computation sheet

  • Last two months’ pay slips or salary certificate

Once the application is submitted along with the requisite documents, the bank will evaluate your YES bank credit card maximum limit. Do note that the final say in approval or rejection of the YES Bank credit limit rests with the bank only.

FAQs on YES Bank Credit Card Limit

  • ✔️Can I request the bank to decrease my YES Bank credit card limit?

    Yes, you can request the bank to decrease your credit limit in the same way you can ask the bank to increase your credit limit.

  • ✔️How can I increase my YES Bank Credit limit?

    You can request YES Bank to increase your credit limit by sending an email, calling the credit card customer care, posting a letter to the registered address, or by visiting the nearest bank branch.

  • ✔️What is the limit on a YES Bank credit card?

    The credit limit on a YES Bank credit card varies from person to person. It is decided by the bank after considering the applicant’s monthly income-to-debt ratio, credit score, credit profile, and the credit limit on existing credit cards.