• Aadhaar Card: Must be valid and details must match your application form.
• PAN Card: Mandatory for linking to your income tax records.
• Passport: Valid for at least 6 months from the application date.
• Voter ID Card: Current card issued by the Election Commission.
• Driving License: Valid license with photograph and signature.

• Aadhaar Card: If used for identity proof, a separate address proof document is required.
• Passport: Must reflect your current residential address.
• Ration Card: Should include your name and address.
• Utility Bills: Recent (within last 3 months) electricity, water, or gas bills in your name.
• Rental Agreement: Registered agreement including your name and address, preferably accompanied by a utility bill.

Income proof documents differ based on employment status:

• Salaried Individuals:
  • Latest 3 months’ salary slips showing employer details and monthly income.
  • Bank statements for last 3-6 months reflecting salary credits.
  • Form 16 or Income Tax Returns for previous year (optional but recommended for higher credit limits).
• Self-Employed Individuals:
  • Latest audited Income Tax Returns for last 2 years, showing minimum ₹7.5 lakh annual income.
  • Bank statements for last 6 months showing business transactions.
  • Business registration documents such as GST certificate or partnership deed, if applicable.

• Two recent passport-size photographs: Color, plain background, clear face view.

• For Metal Card Applicants:
  • Bank statements for last 12 months showing consistent high balances.
  • Income Tax Returns reflecting annual income of ₹10 lakh or more.
  • Proof of investments such as fixed deposit receipts or mutual fund statements.
• Self-Employed Professionals:
  • Professional qualification certificates (e.g., medical council, bar council).
  • Proof of practice such as clinic/office lease agreements.
  • Client invoices or payment receipts supporting income.
• Applicants with Existing Credit Cards:
  • Latest credit card statement showing credit limit and payment history.
  • No-dues certificate (optional) confirming no outstanding balances.

• Digital Submission (Online Application):
  • Formats: PDF, JPEG, or PNG; each file under 2 MB.
  • Clarity: Ensure documents are clear and legible.
  • Self-Attestation: Digitally sign or mark “Self-Attested” before uploading.
  • Upload Portal: Use YES Bank’s secure application portal.
• Physical Submission (Offline Application):
  • Submit self-attested photocopies with originals for verification.
  • Arrange documents in the order specified in the application form.
  • Obtain receipt or acknowledgment from branch staff.

• Check validity of all documents (e.g., passports, utility bills).
• Ensure consistency in name, address across all documents.
• Keep digital and physical backups of submitted documents.
• Use secure platforms for uploading sensitive information.
• Organize documents to match application form order.

• Expired documents must be replaced before submission.
• Correct mismatched information before applying.
• Rescan illegible or blurry documents.
• Provide all required income proofs for completeness.

• Respond promptly with requested documents via email or branch visit.
• Provide exact documents meeting requested criteria.
• Contact customer care for clarifications if needed.

A credit score of 700 or higher is a critical factor for approval. YES Bank relies on the CIBIL score to assess an applicant’s creditworthiness. A high score indicates:

• Timely repayment of loans and credit card bills.
• Low credit utilization (below 30% of available credit).
• A long credit history with diverse credit types (e.g., credit cards, personal loans).

Applicants with scores below 700 may face rejection or be offered a lower credit limit.

Negative events, such as defaults, settlements, or late payments, can significantly lower your score and impact approval. These events remain on your credit report for 7 years, signaling financial risk to the bank. To mitigate this:

• Clear outstanding dues before applying.
• Dispute any errors in your credit report with CIBIL.
• Build a positive credit history by using a secured credit card responsibly.

The BYOC Credit Card requires a minimum monthly income of ₹25,000 for salaried individuals or an ITR of ₹7.5 lakh for self-employed individuals. Higher income levels (e.g., ₹40,000 monthly or ₹10 lakh ITR) are required for the Metal Card variant. A strong income profile:

• Demonstrates the ability to repay credit card dues.
• Supports a higher credit limit, enhancing approval chances.
• Reflects financial stability, especially when supported by consistent bank statements.

The DTI ratio compares monthly debt obligations (e.g., loan EMIs, credit card payments) to income. A DTI below 40% is ideal, as it indicates that the applicant has sufficient disposable income to manage additional credit. High DTI ratios may lead to rejection, as they suggest financial strain.

For salaried individuals, a minimum of 1-2 years with the current employer signals stability. Frequent job changes can raise concerns about income consistency. Self-employed individuals should demonstrate a stable business or practice, typically with 2-3 years of operation, supported by ITRs and bank statements.

Applicants employed with reputed organizations or running established businesses are viewed favorably. Professionals like doctors, lawyers, or chartered accountants may receive preferential treatment, especially for the Metal Card, provided they meet income and credit score criteria.

Applicants with multiple credit cards are evaluated based on their combined credit limits and repayment history. Holding 2-3 cards with timely payments can enhance approval chances, as it demonstrates credit management skills. However, excessive cards (e.g., 5 or more) may lead to a lower credit limit on the BYOC Card.

Maintaining credit utilization below 30% across all cards signals responsible usage. High utilization indicates financial stress and can negatively affect approval and credit limits.

Having a YES Bank savings or salary account with regular transactions improves chances of pre-approved offers. It also facilitates document verification and quicker processing.

Accurate personal, income, and employment details, along with valid KYC documents (Aadhaar, PAN, address proof), are essential. Any discrepancies can delay or reject applications.

Applicants residing in metro or Tier-1 cities generally find it easier to get approvals due to better bank branch presence and infrastructure. Rural applicants may face more scrutiny or require additional documents.

While the BYOC Card is generally unsecured, having fixed deposits with YES Bank can improve approval odds by showcasing financial discipline.

Applicants should be between 21 and 60 years of age. Age outside this range may require special consideration or limit eligibility.

Address outstanding dues, maintain low utilization, and ensure on-time payments to raise your credit score.