Credit Card Limit – How To Check & Increase
- Updated On: 10 November, 2025
Whenever you use your credit card to purchase a product or avail of a service, be it online or offline, you are borrowing a certain amount from the card issuer that it pays to the merchant on your behalf at the time of purchase. You, however, pay the amount back to the issuer as your credit card bill. But card issuers can not lend you an unlimited amount for obvious reasons. Therefore, every credit card comes with a credit limit- the maximum amount the card issuer is willing to lend you in a given statement cycle. It is the maximum amount you can spend with your credit card in the given payment cycle. In most cases, the credit limit is two to three times the monthly income of the cardholder.
The credit limit is the maximum amount that one can spend using their credit card in a billing cycle. So, it is not true that you can spend an unlimited amount using your credit card, but there is a certain limit to what you are allowed to spend. This limit can be different for everyone and is determined by the card issuers based on different factors. However, cardholders can easily increase their credit limit with time by using their card responsibly. The comprehensive guide compiled by Card Insider offers in-depth details about credit card limits in India, covering various aspects such as factors influencing credit limits, types of credit cards and their corresponding limits, and how cardholders can request limit increases.
Credit Card Limit Increase: Contact Info for All Issuers
| Issuer | Contact Info |
| American Express | Call 1800-419-2122 |
| AU Bank | creditcard.support@aubank.in |
| Axis Bank | email.services@axisbank.com |
| Federal bank | Call 1800-425-1199 or 1800-420-1199 |
| HDFC Bank | grievance.redressalcc@hdfcbank.com |
| HSBC Bank | Call 1860-108-7788 or 1860-500-2277 |
| ICICI Bank | customer.care@icicibank.com, care@icicibank.com |
| IDFC FIRST Bank | creditcard@idfcfirstbank.com |
| IndusInd Bank | premium.care@indusind.com, priority.care@indusind.com |
| RBL Bank | cardservice@rblbank.com |
| SBI Bank | customercare@sbicard.com |
| Standard Chartered Bank | customer.care@sc.com |
| Yes Bank | yestouch@yesbank.in |
How to Raise Your Credit Limit for Different Issuers?
Many times, card issuers increase the credit limit on your credit card on their own. You can also apply for an increase in your credit limit. Most card issuers have a definite procedure for applying for a higher credit limit.
How to Increase the Credit Limit on HDFC Credit Cards?
You can get a higher limit on your HDFC credit card in two ways: if the bank has pre-approved your credit card for a higher limit, you can simply accept the limit enhancement offer via Internet banking or phone banking. Otherwise, you can also request a higher credit limit on your card.
Accepting a Pre-Approved Enhanced Credit Limit
You can accept a pre-approved offer for a higher credit limit on your HDFC credit card in the following two ways-
- Through net banking: You can accept the offer for an enhanced limit on your HDFC credit card by logging in to your HDFC net banking account and selecting the “Card upgrade and enhancement” option from the menu.
- Through phone banking: You can dial the bank’s 24×7 customer care number, 1800-1600 or 1800-2600, and accept the higher credit limit offer.
Requesting a Higher Credit Limit
You can also request the bank for a higher credit limit on your credit card by calling the bank’s customer care number or by visiting your nearest HDFC branch.
Documents to be Submitted for a Higher Credit Limit
If your credit card does not pre-approve for a higher credit limit, you will need to submit proof of income, like a salary slip or an audited ITR acknowledgment, to the bank when applying for a higher credit limit.
How to Raise Your SBI Credit Card Limit?
The procedure to get a higher credit limit on your SBI Card Credit Card is very similar to getting a higher limit on your HDFC credit card. You can either accept a higher pre-approved limit on your credit card or directly ask the bank for a higher credit limit.
You can accept a higher pre-approved limit on your SBI Card credit card via net banking, phone banking (dial SBI Card customer care at 1800-180-1290), or via SMS (SMS “INCR <last 4 digits of your card number> to 5676791).
If your card still needs to be pre-approved for a higher credit limit, you can ask the bank directly for one either via phone banking or by visiting your nearest SBI Card office.
As for HDFC credit cards, you will need to submit proof of increased income to the bank in case your card still needs to be pre-approved for a higher credit limit.
How to Increase the Credit Limit on ICICI Bank Cards?
The bank monitors your credit card usage regularly to determine your eligibility for an enhanced credit limit. If your credit card is eligible for a higher credit limit, the bank will inform you via SMS/e-mail.
You can also apply for a higher credit limit on your ICICI Bank credit card via internet banking, phone banking (by dialing 1800-1080), or by visiting your nearest ICICI branch.
If your card has not been pre-approved for an enhanced credit limit and you are applying for a higher limit on your ICICI Bank credit card, you will need to submit proof of increased income, such as salary slips or ITR acknowledgments, to the bank.
How to Increase the Credit Limit on Axis Bank Credit Cards?
Like other banks, Axis Bank often pre-approves your credit card for an enhanced credit limit. If your Axis Bank credit card is pre-approved for a higher credit limit, the bank officials will contact you and guide you through the entire process of getting an enhanced credit limit on your card.
In case your credit card is not pre-approved for a higher credit limit, you can apply for a limit increase to the bank. You can submit your limit increase application in the following three ways-
- Through Internet Banking: To submit the credit limit increase request for your Axis Bank credit card via Internet banking, go to your credit card account after logging in to your Axis Bank internet banking account and select the limit enhancement option.
- Through Mobile App: You can also apply for an increase in the limit on your Axis Bank credit card through the bank’s Android/iOS app. First, you must log in to the app with your credentials and select the card you wish to increase the limit. Here, you will see an option to check for a higher credit limit on the selected credit card.
- Via Call/E-mail: You can contact Axis Bank customer care by dialing their 24×7 helpline numbers, 1860-419-5555 or 1860-500-5555, and asking for a higher credit limit. Alternatively, you can email creditcards@axisbank.com and request a higher credit limit.
How to Raise the Credit Limit on Your American Express Card?
Based on your spending habits and financial punctuality (in terms of credit card bill payments), if American Express deems your credit card eligible for an enhanced credit limit, you will be intimated via e-mail/SMS, and your credit limit will be increased as per the pre-approved offer without any documentation being needed.
However, if your American Express credit card is not pre-approved for a higher credit limit, you can ask for a limit increase yourself by sending an email to creditlimit.review@aexp.com or dialing the card issuer’s helpline number 1800-419-2122.
American Express provides its cardholders with a unique facility to temporarily increase their credit limit. You are charged a small fee for the temporary increase. This feature can be really useful in case a large sum of money is suddenly required, and the current limit on your credit card is not sufficient.
How to Upgrade the Credit Limit on Your Bank of Baroda Card?
You can directly contact the bank officials to enhance the credit limit on your Bank of Baroda credit card. You can either dial the bank’s helpline number, 1800-5000 or 1800-5700, or visit your nearest BoB branch and ask for a higher credit limit. While applying for a higher credit limit on your BoB credit card, you might be asked to resubmit documents like salary slips or audited ITC acknowledgment as proof of increased income.
How to Expand the Credit Limit on Your Kotak Mahindra Card?
If you are eligible for a higher credit limit on your Kotak Mahindra credit card, you can apply for the same directly to the bank officials. You need to either dial the bank’s 24/7 helpline number, 1860-266-2666, or you can also visit your nearest Kotak Mahindra branch to apply for a higher credit limit on your Kotak Mahindra credit card. In most cases, the bank officials will ask you to resubmit certain documents like salary slips or audited ITR acknowledgment as proof of an increase in income.
For detailed information on how to increase the credit limit on credit cards from different card issuers, you may refer to the links provided in the table below-
What Factors Influence Your Credit Limit?
The credit limit of your credit card reflects the confidence the card issuer has in you as a borrower that you will be able to pay the borrowed amount on time, i.e., you won’t default on your credit card bills. In other words, your credit limit is directly proportional to your ability to clear your dues on time, also known as creditworthiness.
Your creditworthiness and the credit limit of your card depend upon multiple factors. Some of the factors that affect your creditworthiness are-
- Credit Score: It is one of the two most important metrics (the other one being income) that card issuers use to decide the credit limit of your credit card. A high credit score indicates good financial management and good repayment history on the part of the borrower.
- Income: It is another very important factor that card issuers consider for determining the credit limit of your credit card. Your monthly income directly reflects your ability to clear your dues on time. Higher the income, the more the creditworthiness, and therefore the higher the credit limit.
- Type of Credit Card: This is another factor that might affect the maximum credit limit allowed on your credit card. Premium credit cards usually have a high base credit limit, i.e. the minimum credit limit that one can get on a premium credit card is quite high, which means, if you have a premium credit card, your credit limit can not go below a certain number.
- Credit Limit on Your Other Credit Cards: If you already have one or more credit card(s) and are applying for a new card, the new card issuer will also consider the credit limit on your other credit cards to evaluate your creditworthiness. Therefore, if the credit limit on your existing credit card is, let’s say, Rs. 1 lakh, you can not expect a credit limit of Rs. 5 lakh on your new credit card.
How To Check Credit Limit?
You can check your credit card limit by logging in to your internet banking account. Nowadays, almost every card issuer provides its customers with net banking facilities. You can easily check your total credit limit and available limit through net banking. Another method to check your credit limit is by contacting the respective bank’s customer care.
Simple Ways to Increase Credit Limit
There are many ways to increase the credit limit on your credit card, most of them being very similar to those for increasing the credit score, as credit limit, to a good extent, depends upon your credit score. Some of the best practices that you can incorporate in order to increase the credit limit on your credit card are as follows:
- Clear Your Dues on Time: One of the easiest ways to increase your credit score and, therefore, your credit limit is to pay your credit card bills on time, as this indicates financial punctuality and responsible financial management.
- Check Credit Utilization: You should monitor your credit utilization. Ideally, your monthly credit card spending should not exceed 30% of your credit limit.
- Reduce Your Debt: Card issuers consider another factor while deciding your credit limit: the amount of debt you already owe to other lenders. If you owe too much debt to other lenders, you are not very likely to get a high credit limit on your credit card.
- Proof of Income: If your income has recently increased, show proof of the increase in income to the card issuer to get a higher credit limit on your existing credit card.
- Apply for a New Credit Card: Another way to get a higher credit limit is to apply for a new credit card with a higher credit limit. Although you should not expect a drastic increase in the limit, you can expect a slightly higher credit limit on your new credit card if you have been regular with payments on your existing credit card.
Benefits of Increasing Credit Limit
There are lots of advantages to increasing the credit limit on your credit card, some of which are as follows:
- You get more spending power with a higher credit limit. With a low credit card that you get at the beginning of your credit journey, more is needed to make large purchases, but you can easily make big purchases with a higher credit limit.
- Another major benefit of increasing your credit limit is that your credit utilization ratio will decrease. To maintain a good credit score, it is essential not to utilize more than 30% of your credit limit. But with a lower limit, you exceed this limit very often. So, if you increase your credit limit, it will be easier to maintain a low credit utilization ratio.
Bottom Line
Understanding every aspect related to the credit limit of a credit card is a very essential thing to do if you are a credit card user. One of the most important points to keep in mind is that you should not spend beyond 30% of your credit limit to build your credit score. However, doing it in emergencies is always a different thing and is even more essential. Many cardholders start worrying about their credit limit if it’s too low, but there is nothing to worry about here. Just keep using your credit card responsibly, and once you build an excellent credit score, your card issuer will increase your credit limit even without a request.
FAQs:
How can I check my credit card limit?
You can check your credit card limit by logging in to your net banking account or by contacting customer care.
What is a good credit limit?
A good credit limit is one that is more than sufficient for your monthly spending. Your credit limit can be reasonable if your spending doesn’t exceed 30% of the total available limit each month.
How do I increase my credit card limit?
You can request an increase in your credit card limit from your card issuer. However, before placing a credit limit increase request, make sure you have used your credit card responsibly without any payment defaults in the last six months.
How can the credit card limit be increased against FD?
To increase the credit limit of a secured card (credit card against FD), you can either increase the FD amount or update your card to an unsecured credit card if you have built a good credit score.
Will the credit limit of my other credit cards affect the credit limit on the new card I am applying for?
Yes, card issuers use the credit limit on your other credit cards to determine your creditworthiness, which does affect the credit limit of the new credit card you will apply for.
What documents are accepted as proof of income?
Salaried cardholders can submit their salary slips as proof of income, while self-employed cardholders can submit an audited ITR acknowledgment. These are the same documents that are accepted as proof of income when applying for the card.
Do I need to submit proof of income again to increase my credit card limit?
If your card is pre-approved for a higher credit limit, you need not submit any proof of income. However, if you are applying for a higher credit limit, you must resubmit proof of income indicating an increase in your monthly income so that the card issuer can determine your eligibility for an enhanced credit limit.
Are there any drawbacks to increasing my credit card limit?
A higher credit limit gives you more financial stability, but it also means more responsibility. If you raise your limit but don’t watch your spending, you might have higher balances, more interest to pay, and a growing debt.
What should I do if my request for a credit limit increase is denied?
If your request is denied, review the reasons provided by the issuer. Focus on addressing these areas, such as paying debts or improving your credit score. After making these improvements, you can consider requesting again.
How often can I request to increase my credit card limit?
It’s generally a good idea to wait at least six months between requests for a credit card limit increase. Asking too often may make the credit card company think you have money problems and could affect their decision.