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Find out how you can know the limit of your Axis Bank Credit Card and make the most of your card’s benefits
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Your Axis Bank Credit Card’s limit decides your spending capacity. It is the amount that you can spend and is best known to keep a check on your finances. The bank establishes this limit based on certain factors, such as your income, credit history, and card type. You can also increase the limit by responsibly managing your expenses.
You can check the credit limit on an Axis Bank Credit Card in several ways. Here are the details:
Log into your Axis Bank Credit Card net banking account
Go to the ‘Credit Card Details’ section
Check the total and available credit card limit
Download the Axis Bank mobile app on your phone
Log in to your mobile banking account
Go to the account summary section
Review the details of your card’s credit limit
Check the account statement to get a detailed understanding of your transactions and credit limit
To check your Axis Bank credit card limit via customer care, call Axis Bank’s phone banking toll-free numbers 1860 419 5555/1860 500 5555. Once connected, follow the prompts to know your card limit. You can also sign up for text alerts to get regular updates on your card limit.
You can also visit your nearest Axis Bank branch and request a bank executive to assist you with your credit card limit. Before they give you the details, they will verify your identity by requesting ID proof.
Here are some reasons why you must consider raising a request to increase your card’s limit:
Enhanced Convenience: A high limit eliminates the hassle of carrying multiple cards
Improved Purchasing Power: With an increased limit, you can access more funds to manage your expenses
More Rewards: By spending more with your card, your potential for earning cashback and rewards also improves
Here is how you can enhance the credit limit of an Axis Bank Credit Card:
Repaying on time helps build a good credit history and shows responsible credit behaviour. Both of these can boost the chances of approval for a request to your credit card’s limit.
In case of any recent promotions or a raise in your salary, be sure to inform the bank regarding the same. This could help strengthen your income-related eligibility, which the bank could consider as a potential factor to increase your credit card limit.
In some cases, the bank automatically increases the limit of the credit card without requiring any application. However, this is at the sole discretion of the issuer.
To enjoy the highest credit limit on an Axis Bank Credit Card, follow any of these simple methods:
To request for an increase in your credit limit send a text message 'CLE XXXX' (last 4 digits of your card number) to 5676782.
Log into the app and choose the 'Credit Cards' option
Within 'Total Controls', select 'Check for Limit Increase'
Place a request for an increase in credit limit if you are eligible
You can call the bank’s customer support at 1860-419-5555/1860-500-5555 to request for a higher spending limit.
Visit the net banking portal and log in to your account
Click on the 'Accounts' section and select the 'My Credit Cards' option
Choose the ‘Check for Limit increase’ tab under the 'Limit Enhancement' category
Place a request if you are eligible for this facility
By following these steps, you should be able to easily place the request to boost the credit limit of your Axis Bank credit card. Remember, the approval is at the sole discretion of the bank.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
The issuer sets eligibility criteria to decide the minimum credit limit on Axis Bank Credit Card. These include, but are not necessarily limited to, your credit score/history, debt-to-income ratio, existing debt, income, and your relationship with the bank.
There is no fee charged to increase your credit card limit. Simply place a request online or offline and the Axis Bank’s team will let you know whether you are eligible for an increase or not.
No, you can’t spend over the card’s credit limit. However, by having a good credit history, the bank may offer a short-term loan.
Yes. The over-limit charge is 2.5% of the over-limit amount, subject to a minimum amount of ₹500. However, this may vary depending on the card and the issuer’s policy.
If you use more than the limit offered on your Axis Bank credit card, the transaction may be declined. In case an overdraft is permitted, the bank will charge you for the same.
Yes. While you can use your entire credit limit, it isn’t recommended to do so as your credit score would get affected.
The maximum or the highest credit limit for an Axis Bank credit card depends on the card you choose and how well you qualify for the card. For instance, if you have a high and stable income along with an excellent score, you may qualify for a card with a limit that goes up to ₹5 Lakhs or higher. This solely depends on the issuer.
The Axis Bank credit limit can be classified into three types:
The following factors are considered when deciding your Axis Bank credit card limit:
