YES Bank offers more than 20 credit card variants, and each one has different eligibility requirements. Your income, age, employment type, and credit score together determine which cards you can apply for.
This guide breaks down the exact eligibility criteria for every major YES Bank credit card, lists the documents you will need, and walks you through the full application process , both through the YES Bank website and through the Kiwi app. If you are deciding between cards, start with our complete YES Bank credit card comparison guide [/blog/yes-bank-credit-cards/] to understand which card suits your spending pattern.
General Eligibility Criteria
Before looking at card-specific requirements, here are the common eligibility conditions that apply across all YES Bank credit cards.
Age: You must be between 21 and 60 years old. Some premium cards may have a narrower range.
Residency: Indian residents only. NRIs may be eligible for select cards with an NRE/NRO deposit.
Employment: Both salaried employees and self-employed individuals can apply. Freelancers and business owners qualify under the self-employed category with ITR documentation.
Credit Score: A CIBIL score of 750 or above is ideal. Applications with scores between 700 and 750 may be approved for entry-level cards. Below 700, approval becomes unlikely for most variants.
Card-Wise Income Requirements
This is where most guides fall short, they list generic eligibility without specifying which card you can actually get at your income level. Here is the complete breakdown.
Premium Cards
| Card | Min Monthly Income (Salaried) | Min Annual ITR (Self-Employed) | CIBIL Score |
| YES Private / Private Prime | By invitation only | By invitation only | 800+ |
| YES MARQUÉE | ₹1,50,000+ | ₹18,00,000+ | 750+ |
| YES RESERV | ₹2,00,000+ | ₹18,00,000+ | 750+ |
Mid-Range Cards
| Card | Min Monthly Income (Salaried) | Min Annual ITR (Self-Employed) | CIBIL Score |
| YES ELITE+ | ₹1,00,000+ | ₹9,00,000+ | 750+ |
| YES SELECT | ₹60,000+ | ₹7,20,000+ | 700+ |
| YES First Business | ₹60,000+ | ₹7,20,000+ | 750+ |
Entry-Level and Free Cards
| Card | Min Monthly Income (Salaried) | Min Annual ITR (Self-Employed) | CIBIL Score |
| YES ACE | ₹25,000–40,000+ | ₹3,00,000+ | 700+ |
| YES BYOC | ₹25,000+ | ₹3,00,000+ | 700+ |
| POP Club | ₹25,000+ | ₹7,50,000+ | 700+ |
| PaisaSave | ₹25,000+ | ₹7,50,000+ | 700+ |
| Klick (via Kiwi) | Assessed by Kiwi based on profile | Assessed by Kiwi | 650+ considered |
| Prosperity Rewards Plus | Against FD of ₹50,000+ | Against FD of ₹50,000+ | Lower scores accepted |
The Klick card via Kiwi has a slightly different assessment process since eligibility is evaluated through the Kiwi app based on income, credit profile, and KYC details. First-time credit card applicants with a stable income can apply, an existing credit history is not mandatory.
Documents Required
You will need the following documents regardless of which card you apply for.
Identity Proof (any one): PAN card, Aadhaar card, Passport, Voter ID, or Driving License.
Address Proof (any one): Aadhaar card, Passport, Utility bills (electricity, water, or gas, not older than 3 months), or Voter ID.
Income Proof for Salaried Applicants: Latest 3 months salary slips and bank statements for the last 6 months. Form 16 may also be requested.
Income Proof for Self-Employed Applicants: Latest Income Tax Return (ITR), audited Profit & Loss statement, and Balance Sheet for the last 2 years.
Other: Passport-sized photographs and a completed application form (for offline applications).
For the Kiwi app application process, documentation is handled digitally through e-KYC and Aadhaar-based verification, so you do not need to submit physical documents.
How to Apply via YES Bank Website- Step by Step
Applying directly through the YES Bank website is the standard method for most card variants.
1. Visit the YES Bank website and navigate to the Credit Cards section under Personal Banking.
2. Browse the available cards and select the one that matches your income and spending needs. Click the Apply Now button on your chosen card.
3. Enter your personal details: full name, date of birth, mobile number, email, and PAN number.
4. Provide your employment and income details: employer name, designation, monthly income, and years of experience.
5. Upload the required documents. YES Bank supports e-KYC using Aadhaar and DigiLocker, which speeds up the verification process.
6. Complete video verification as prompted. This is a mandatory step for digital applications.
7. Review all details and submit your application. You will receive a 13-digit reference number via SMS that you can use to track your application status.
Approval typically takes 7 to 21 working days depending on the card variant and verification requirements. Some cards offer an instant virtual card upon approval, which can be used for online transactions and UPI payments before the physical card arrives.
How to Apply via Kiwi App
The Kiwi app offers a fully digital, paperless application process for the YES Bank Klick RuPay credit card. This is often the fastest route to getting a YES Bank credit card.
Step 1: Download the Kiwi app from the Google Play Store or Apple App Store.
Step 2: Open the app and check your eligibility. The app assesses your profile based on the information you provide.
Step 3: Complete e-KYC using your Aadhaar details. Follow this with video KYC verification within the app.
Step 4: Upon approval, your virtual YES Bank Klick RuPay credit card is generated instantly. You can link it to UPI apps and start using it immediately.
Step 5: The physical card (if applicable) is dispatched separately and typically arrives within 7-10 working days.
The entire process is completed without visiting a bank branch or submitting physical paperwork. The Klick card is lifetime free with no joining or annual fees.
How to Track Your Application
After submitting your application, you can track its progress through multiple channels.
Online: Visit the YES Bank website and use the Track Your Application feature with your 13-digit reference number.
Phone: Call 1800-103-1212 (toll-free, available 24/7) and press 9 for application status.
Kiwi App: If you applied through Kiwi, the application status is visible directly within the app.
For a complete guide covering all tracking methods, status meanings, and what to do if your application is delayed, see our dedicated YES Bank credit card application status guide [/blog/yes-bank-credit-card-status/].
Common Reasons for Application Rejection
If your YES Bank credit card application is declined, it is usually due to one or more of the following reasons.
Low credit score. A CIBIL score below 700 makes approval difficult for most cards. Check your score before applying and work on improving it if needed.
Too many recent credit enquiries. Applying for multiple credit cards or loans in a short period creates multiple hard enquiries on your credit report, which signals risk to the bank.
Insufficient income. If your income does not meet the minimum requirement for the card you applied for, the application will be rejected. Apply for cards that match your income tier.
Incomplete or incorrect documentation. Missing salary slips, outdated address proof, or mismatched PAN details can lead to rejection.
High existing debt-to-income ratio. If a large portion of your income already goes toward EMIs and existing credit card payments, the bank may consider you over-leveraged.
Tips for reapplying: Wait at least 3 to 6 months before submitting a new application. In the meantime, clear any outstanding debts, ensure your CIBIL score is above 700, and apply for a card that matches your current income level. If your score is low, consider starting with a secured card like the YES Prosperity Rewards Plus (issued against a fixed deposit) to build credit history.
Frequently Asked Questions
The minimum monthly salary starts at ₹25,000 for entry-level cards like ACE and POP Club. Premium cards like MARQUÉE require ₹1,50,000 or more per month. The Klick card via Kiwi assesses eligibility based on your overall profile rather than a fixed salary threshold.
Generally, no. Income proof is required for all standard applications. However, the Prosperity Rewards Plus card can be issued against a fixed deposit of ₹50,000 or more, which serves as security instead of income proof.
Yes. You do not need an existing YES Bank savings account to apply for a credit card. However, having a salary or savings account with YES Bank may get you preferential interest rates on some cards.
Yes. The YES Prosperity Rewards Plus card is issued against a fixed deposit of ₹50,000 or more. This is a good option for people with a lower credit score or limited credit history.
A score of 750 or above is recommended for the best approval chances. Scores between 700 and 750 may be approved for entry-level cards. Premium cards generally require 750+.
It is not advisable. Multiple simultaneous applications create hard enquiries on your credit report, which can lower your CIBIL score and reduce approval chances. Apply for one card at a time.
Want to skip the paperwork? Apply for the lifetime-free YES Bank Klick card through the Kiwi app. Check your eligibility → https://gokiwi.in/cards/yesbank/
