How To Increase Axis Bank Credit Card LimitAxis Credit Card

Axis Bank Credit Card Limit

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Axis Bank Credit Card Limit Check

The Axis Bank credit card limit is the maximum amount that you can spend on your Axis credit card. The limit is decided at the time of issuing the credit card to the borrower. The bank decides the limit after assessing your credit card application based on factors such as your annual income, credit utilisation ratio, age, and more. You can also opt to increase your credit card limit after a while. Continue reading to know about factors affecting your credit card limit, how to opt for the Axis Bank credit card limit increase facility and other frequently asked questions related to Axis Bank credit card limit. 

How to Check the Limit of Your Axis Bank Credit Card?

Axis Bank credit card limit check can be done both online and offline. Online ways to know your Axis credit card limit are via netbanking or via the Axis Bank mobile application. The offline methods to check your credit card limit include calling the Axis Bank credit card customer care, sending an Axis Bank credit card limit check SMS, or visiting the nearest Axis Bank branch. Below are details about the same:

Axis Bank Credit Card Limit Check by Netbanking

  • Step 1: Log into your Axis Bank credit card net banking account.

  • Step 2: Go to the ‘Credit Card’ section.

  • Step 3: Click on ‘Summary’.

  • Step 4: You will get details about your credit card, including the Axis Bank credit card limit.

Axis Bank Credit Card Limit Check via Axis Mobile App

  • Step 1: Download the Axis mobile banking app on your phone from the Playstore or App Store.

  • Step 2: Register if you are a new user.

  • Step 3: Login in to your Axis Mobile Banking Account.

  • Step 4: Go to the ‘Credit Card’ section.

  • Step 5: Check for ‘Credit Card Limit’.

Axis Bank Credit Card Limit Check by Customer Care

To check your Axis bank credit card limit via customer care, just call on the Axis Bank phone banking toll-free numbers 1860 419 5555/1860 500 5555.

Axis Bank Credit Card Limit Check SMS

For Axis Bank credit card limit check via SMS, type “AVAILBAL<space>last 4 digits of credit card no” and send to Axis SMS banking numbers 5616 1600 or +91 86910 00002.

Axis Bank Credit Card Limit Check by Bank Visit

You can also visit your nearest Axis Bank branch and request a bank executive to assist you with your credit card limit.

Axis Bank Credit Card Limit Types:

The Axis Bank credit limit can be classified into three types:

  • Axis Bank Card Total Credit Limit

Axis Bank Card total credit limit means the maximum credit limit on your Axis Bank credit card. With every transaction, the total credit limit will decrease. However, you can restore it by making timely credit card bill payments.

  • Axis Bank Card Available Credit Limit

It is the type of credit limit on your Axis Bank credit card on a specific date. For example, if ₹1,00,000 is your available limit and you already spent ₹60,000, then ₹40,000 is your available credit card limit.

  • Axis Bank Credit Card Cash Limit

With this type of credit limit, you can make 20% to 40% of the credit limit's withdrawal as cash during an emergency. The Axis Bank credit card cash withdrawal limit comes with a fee.

Factors That Decide the Limit of Your Axis Bank Credit Card

Following are the factors that decide your Axis credit card limit:

  • Debts and Income

Axis Bank considers the ratio of debt-to-income as a very important factor while evaluating your Axis Bank credit card credit limit. Lower the ratio of debt-income, higher would be your card limit.

  • Credit History

If your credit score is high, then you will be offered a high credit limit as a good CIBIL score signifies the repayment of credit in due time.

  • Other Cards Limits

The available limit on your other credit cards is another factor considered by Axis Bank to determine your credit limit.

Ways to increase Axis Bank Credit Card Limit?

If you are interested in knowing how to increase your Axis credit card limit, then you can follow any of the given modes:

  • Increase the limit of your current card

Of all the cards that you use, you can increase the limit of the card that is utilised the most. With a good credit history, it won't be an issue to get your Axis credit limit increased.

  • Inform the bank of any promotion

In case of any recent promotion or raise in salary, you can inform the bank regarding the same. This could help strengthen your income eligibility criteria, which the bank could consider as a potential factor to increase your Axis Bank credit card limit.

  • Increase of credit limit annually

In some cases, if you are eligible, then without applying for a credit card limit increase, the bank automatically increases the limit of the credit card.

  • Avail Axis Bank’s Limit Increase Facility

If the bank deems you eligible, you will receive an email/SMS/call from the Axis Bank for its “Limit Enhancement facility”. If you agree with the terms of the bank and wish to avail the Axis Bank limit enhancement, then you can accept the offer in the same call. Once your credit card has been upgraded, you will get a notification on your registered email and mobile number.

How to Place a Request for Axis Credit Card Limit Enhancement

You can now conveniently make your request for an Axis Bank credit card limit increase online. Axis Bank credit card limit check SMS banking is also available in case of any queries. If you are eligible for Axis Bank credit card limit enhancement and the bank has not contacted you, then you can try the following methods:

Internet banking

If you have a net banking with Axis Bank and your card is already registered, then:

  • Step 1: Login to Axis Internet Banking.

  • Step 2: Click on 'Accounts'.

  • Step 3: Go to 'My Credit Cards Accounts'.

  • Step 4: Then select 'Limit Enhancement and Check for Limit increase'.

  • Step 5: If your card is not eligible then the screen will display a message.

Mobile app

You can download the Axis Bank mobile application and login to it using your online banking credentials, then:

  • Step 1: Select 'Credit Cards' option from the homescreen.

  • Step 2: Go to 'Check for limit increase'.

  • Step 3: If your card is eligible, then the screen will display your card number.

  • Step 4: You can select the appropriate response to request an enhancement.

Email/Call

You can contact the customer care at 1860 419 5555/1860 500 5555 or send an email at creditcards@axisbank.com to place a request for Axis Bank credit card limit increase.

FAQs on Axis Credit Card Limit

  • ✔️How is the Axis Bank Credit Card Limit decided?

    Axis Bank has an eligibility criteria in place to decide the Axis Bank credit card limit. These include, but are not necessarily limited to, your credit score/history, debt-to-income ratio, number of preowned credit and your relationship with the bank.

  • ✔️How much will I be charged if I increase the Axis credit card limit?

    There is no fee charged in order to increase your credit card limit. Simply place a request online or offline and Axis Bank will let you know whether you’re eligible for a credit card limit increase or not.

  • ✔️Am I allowed to spend beyond my Axis Bank credit limit?

    No, you're not allowed to overspend. However, by having a good credit history, the bank may offer you some leeway over the limit. Do note that exceeding the total limit given on your credit card could lead to overlimit fees.

  • ✔️Is there any overlimit charge that is applicable on my Axis credit card?

    Yes, the Axis Bank credit card overlimit charges are 3% of the overlimit amount.