The credit card limit or the credit limit is fixed or assigned by the bank for the cardholder. This limit is the maximum amount that the cardholder can spend using his credit card. Axis Bank determines the credit card limit for an individual on the basis of his CIBIL score and credit scores by other leading bureau agencies.
A person with a good CIBIL score is likely to receive a higher credit card limit as compared to someone with a lower CIBIL score. First-time credit card users receive a low limit as the bank does not know their spending patterns and bill repayment ability and punctuality.
If you are an Axis Bank credit card holder, you can check your card limit either through Net Banking or Mobile App. Just login to your account, select your credit card, and check out your available card limit. You can improve your credit score by repaying your card bills, EMIs, ongoing loans, etc. on time and then request Axis Bank to increase your credit card limit.

A higher credit card limit has multiple advantages –
Added convenience – You won’t need to carry multiple cards or lots of cash around. Also, you don’t have to remember passwords and PINs for multiple cards which reduces the risk of fraud.
Better credit utilization ratio – If you have a high credit card limit and utilize less than 50% of it, then you have lower card utilization ratio. This boosts your credit history and credit score.
Helps in getting loans – With a higher credit card limit and low utilization ratio, banks will consider you financially responsible. This will help you get approval for credit cards and loans.
Good for travel and emergencies – A higher limit helps a lot if you are travelling abroad for longer durations and in times of emergencies.
Added benefits – With a higher card limit, you get an upgraded and better credit card. This means better rewards and benefits across multiple categories.
If your credit card limit has been the same for a long time an you wish to have a higher limit, you can request Axis Bank for it. Here are some ways to get your card limit enhanced –
- If you possess multiple credit cards, there will surely be one card that you use the most. If you have a good credit history, high CIBIL score, and have used the card responsibly, you can request the bank for a limit increase.
- If you got a job promotion or a salary hike, you can let the bank know about your updated financial position. You can show your new income proof and ask the bank to either enhance your credit card limit, or issue a new card with a high limit.
- Usually, banks offer an annual credit card limit increase based on credit scores, repayment history, etc. If you meet these conditions, the bank may automatically increase your card limit.