Axis Bank Credit Card Limit

Credit cards can help individuals to achieve their financial needs. You can simply swipe your credit card to make transactions at POS terminals and withdraw cash. These credit cards come with predefined limits on their spending. Axis Bank also comes with a capped limit on their credit cards beyond which you are not allowed to spend. The customers will be charged with an overtime fee if they choose to spend beyond the limit fixed by the bank. However, you can request banks to increase the credit limit to your Axis bank credit card.

Ways to Increase your Axis Bank Credit Card Limit

Axis Bank customers can request the bank to increase their credit card limit through the Credit Limit Enhancement feature. You should be a customer for more than 3 months to be eligible for a credit limit increase. You shouldn’t have made any bill payment defaults throughout credit history. Based upon this, Axis bank may grant approval to the customers subject to internal policies of the bank. Below are mentioned ways in which you can increase your credit card limit.

Pre-Approved Limit Enhancement

The Axis Bank periodically reviews customers, who are eligible for the credit limit increase. The bank communicates with the eligible customers through SMS/ email. You need to simply reply back to the bank with your acceptance. The call will be scheduled with Axis bank executive to discuss the term and conditions related to your credit card limit increase offer.

You will also be directed throughout the process by the bank executive. You shall receive a confirmation message from the bank on successful completion.

How to Request an Increase in your credit card limit?

Axis Bank customers can increase their credit limit on their Axis Bank credit cards. The eligible cardholder should be an existing customer of the bank for more than 3 months. The customer should not have received any credit limit enhancement in the previous 6 months. The customers can increase their credit card limit the bank using various modes.

• Through Internet Banking:  The Axis Bank customers can request a credit limit increase by accessing their netbanking account. Your internet banking should be linked with your Axis Bank credit card account. You can follow these instructions to request a credit limit increase following the steps stated below.

Step 1: Get started by logging into your netbanking account using your credentials
Step 2: Click on the Accounts, then hoover to “My Credit Cards Account”
Step 3: Choose the Limit Enhancement option

You need to check whether your credit card is eligible for credit enhancement. Then submit the request if Axis Bank credit card is eligible for credit enhancement.

• Through Mobile App: The Axis bank customers can need to Axis bank mobile application to request credit limit increase. Below are stated steps you should follow to request a credit limit increase.

Step 1: Firstly, log in by entering your valid credentials
Step 2: Go to the Credit Cards and check for a credit limit increase.
Step 3: In case your card is eligible, your card number shall be displayed
Step 4: You can request an increase in the credit limit after you choose to raise the request.

• Through Call/Email: The customers can also raise a request to increase the credit limit by calling the customer care number by calling at 1860-419-5555 and 1860-500-5555. You check your credit limit increase on your credit card. You can also mail at creditcards@axisbank.com and request a credit limit increase.

Documents required to Increase your Credit Card Limit

You will be required to provide the following documents to check your credit limit.  A list of documents is mentioned below.

• Last 3-month Salary Slips along with
• 3 months Bank statement stating salary credit
• latest IT Return if you are Self Employed