By Divya Shokeen
Updated On January 30, 2024

You can choose a credit card as per your requirement and your spending limit from the wide range of credit cards offered by Yes Bank. Eligibility requirements given by Yes Bank need to be fulfilled when applying for a credit card. Find below the eligibility requirement for Yes Bank.

Yes Bank credit card eligibility

Eligibility criteria for Yes bank credit cards

Yes Bank provides the standard age requirement for all the credit card variants except for Yes First Business Credit Card and Yes Prosperity Business Credit Card. However, the eligibility requirement for salary/income varies from credit card to credit card.

Individuals Minimum Age  Monthly Income
Salaried/ Self-employed 21-60 year Rs. 40,000 p.a.

Documents required to apply for a Yes Bank Credit Card

While applying for a Yes Bank Credit Card keep the copy of these below-given documents handy:

Identity Proof Aadhaar Card, Driving Licence, Voter’s Id, Pan Card, Passport, or any other government-approved ID.
Address Proof Aadhaar Card, Passport, Utility Bills (not more than 3 months old), or any other government-approved ID.
Income Proof  Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report,  etc.

Credit Cards offered by Yes Bank

Hereunder is a list of credit cards offered by the Yes Bank with their eligibility requirement.

Credit Cards Age  Income/Salary
Yes Premia Credit Card 21-60 years Minimum net salary Rs. 1.5 lakhs p.m. or ITR of Rs. 14.4 lakhs or more for both salaried or self-employed individuals.
This card is also available against a fixed deposit of Rs. 2 lakhs and above.
Yes Bank wellness credit card 21-60 years Minimum net salary of Rs. 25,000 p.m. or ITR of 5 lakhs p.a. and above for both salaried or self-employed individuals.
Yes Bank wellness plus credit card 21-60 years Minimum net salary of Rs. 25,000 p.m. or ITR of 5 lakhs p.a. and above for both salaried or self-employed individuals.
Yes Prosperity Business Credit Card 21-70 years Minimum income Rs.5,00,000 p.a. for self-employed, proprietors, and partners of partnership firms.
Yes Private credit card 21-60 years (invitation only)
Yes Private Prime Credit Card 21-60 years (invitation only)
Yes prosperity rewards credit card 21-60 years Minimum net salary of Rs. 25,000 p.m. or ITR of 5 lakhs p.a. and above for both salaried or self-employed individuals.
Yes prosperity Rewards Plus credit card 21-60 years Minimum Salary Rs. 35,000 p.m. or ITR of Rs. 5 lakhs or more for both salaried or self-employed individuals.
It is also available against a fixed deposit of Rs. 30,000.
Yes prosperity edge credit card 21-60 years Minimum net salary of Rs. 60,000 p.m. or ITR of 7.2 lakhs p.a. and above for both salaried or self-employed individuals.
Yes first preferred credit card 21-60 years Minimum net salary Rs. 2 lakhs p.m. or ITR of Rs. 24 lakhs or more for both salaried or self-employed individuals.
This card is also available against a fixed deposit of Rs. 3 lakhs and above.
Yes first exclusive credit card 21-60 years Minimum net salary of Rs. 4 lakhs p.m. or ITR of Rs. 36 lakhs and above for both salaried and self-employed individuals.
Yes prosperity cashback credit card 21-60 years Minimum Salary Rs. 25,000 p.m. or ITR of Rs. 5 lakhs or more for both salaried or self-employed individuals.

Factors that affect your Yes bank credit card eligibility

The factors which primarily affect the Yes Bank crest card eligibility are age and income. Age and income play a huge role while credit card issuers scrutinize your application. After these two factors, the next important factor is credit history. If you don’t have any credit card history then the card issuer can also reject your application because while accessing your application the issuer looks at the creditworthiness. Having low income also affects the eligibility requirement while applying for a credit card.

How to improve your Yes bank credit card eligibility:

There are many ways through which you can improve your credit eligibility, a few of them are as follows:

  1. Apply for a secured credit card or entry card.
  2. Pay credit bills on time.
  3. Refrain from sending multiple applications in one go.
  4. Carefully fill the application and avoid making errors.
  5. Improve credit score by borrowing funds using Buy Now Pay Later feature through e-commerce sites and repaying the same within a time frame.

*** For detailed information on how you can improve your credit card eligibility you can refer to ‘How can you increase the chances of application approval?’ here.

FAQs:

Yes, you can get your credit card blocked if it gets lost or misplaced.
To increase the chances of your credit card application approval, you need to meet the eligibility requirement, avoid sending multiple applications in one go, improving credit score by clearing all the dues, etc.
Wait for 3 months to re-apply for a credit card after getting your credit card application rejected for the first time. As it will decrease the chances of hard inquiries.