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What is the ICICI Credit Card Limit?

When you get a Credit Card, one of the most important aspects to see is the limit that the card carries. This card limit is the maximum that you can spend when using your card for one or collective transactions. Similarly with an ICICI Credit Card you can spend as per the available limit on your credit card. This limit, known as the ICICI credit card limit, depends on a number of factors such as the type of card you have, your income, your credit history, your repaying capacity etc. If you exceed this limit, you are required to pay the ICICI credit card overlimit charges.

Read on to know everything about the ICICI credit card limit so that you can efficiently manage your finances.

Types of ICICI Credit Card Limit?

When it comes to ICICI Bank credit card limit for salary account or any other account, there are typically three types: Total Credit Limit, Available Credit Limit, and Cash Limit. The limit assigned to your ICICI credit card depends on a number of factors including the kind of card you have. It is recommended that you check your card’s limits beforehand.

  • ICICI Bank Credit Card Total Credit Limit

The total credit limit on your ICICI Bank credit card is the maximum amount that you can borrow against. You can check your total credit limit on the dashboard of your ICICI credit card net banking account or through the mobile app.

  • ICICI Credit Card Available Credit Limit

The available credit limit refers to the remaining balance left on your card after spending till date. If you have cleared all your past outstanding bills in full, your available credit limit will be equal to your total credit limit. However, if you have unbilled spends on your card or have not yet paid the last ICICI credit card statement, your available credit limit will be lower than your total credit limit. The available credit limit increases as you make payments for your purchases.

  • ICICI Credit Card Cash Limit

When you check the ICICI Bank credit card limit, you would notice that there is a part of the total limit that can be withdrawn as cash. This is the total amount of cash you can withdraw on the card from an ATM in case of an emergency. The ICICI credit card cash limit usually makes up for about 20%-40% of the total credit limit depending on your card type and profile.

In addition to the above-mentioned limits, you can also set your own ICICI credit card limit per day or daily limit via the app or the net banking account. This would put a cap on the amount of money that you can borrow on the card on a particular day. In certain cases, if you need more than the set ICICI credit limit, you can easily go for a limit increase on your ICICI credit card.

How is the ICICI Bank Credit Card Limit Decided?

The credit card limit of an ICICI Bank card is decided when you apply for a credit card. The bank considers your income level, credit history, and your current debt when setting the ICICI Bank CC limit.

  • Type of Card

Depending on the needs of its customers, ICICI offers different cards. For example the credit limit of a basic card may be lower as compared to the credit limit of a premium credit card. You can choose a credit card limit that suits your requirements the best.

  • Income Level

The higher the income, the better are the chances of getting an ICICI Bank credit card with a higher total credit limit.

  • Debt Level

If the income is high, but the debt is high too, it is quite certain that the bank will doubt your creditworthiness and assign a lower credit limit. It is, therefore, critical to maintain a good debt-to-income ratio when applying for a credit card.

  • Credit History

Your credit history is pulled up when you apply for an ICICI Bank credit card. If you have a good credit score and a positive credit history, the bank would be more inclined to trust you with more money and vice versa.

How to Check ICICI Bank CC limit?

  • Check ICICI credit card limit - Online Method

To check the limit of your ICICI credit card, you can log in to your ICICI net banking account or mobile app and check your credit card dashboard.

  • Check ICICI credit card limit - Offline Method

In case you do not have access to these online modes of checking your ICICI card maximum limit, you can also call the ICICI Bank helpline or visit your nearest ICICI Bank branch and request details related to your card’s credit limit. You would also be able to view the limit on your Credit Card Bill Statement.

How to Check Eligibility for ICICI Credit Card Limit Increase?

The bank offers the ‘ICICI Credit Limit Increase’ option to customers who have owned their ICICI credit card for more than a year with timely payments. In case the bank finds you eligible, it will reach out to you with an offer to increase your credit card limit. If you accept it, the bank representative would get in touch with you and discuss the details related to your new credit limit, associated charges, terms and conditions, etc.

Alternatively, if you are not happy with your ICICI Bank CC limit, you can increase it by calling the ICICI Bank credit card customer care and checking your eligibility. Do note that you would need to authenticate your request by providing your ICICI Bank credit card details. If you are found eligible, the bank will send you a confirmation message along with your new credit card limit in ICICI Bank.

How to Increase ICICI Credit Card Limit?

You can try to increase your credit limit using any of the methods mentioned below:

1) SMS

Type ‘CRLIM’ followed by the last four digits of your credit card number and send it to 5676766 from your registered mobile number. ICICI Bank will then automatically increase the ICICI credit card limit to the maximum based on your eligibility.

2) iMobile App

  • Login to ICICI Bank’s iMobile app.

  • Click on the ‘Cards, Loans, & Forex’ tab.

  • Choose ‘Card Number’ and select the ‘Manage Card’ option.

  • Under ‘More Options’, click on ‘Manage Credit Limit’.

  • Enter the desired credit card transaction limit.

  • Click on ‘Submit’.

As soon as you submit the ICICI Bank credit card limit increase request, the credit limit on your card will automatically be changed to your eligible limit.

3) Internet Banking

  • Visit the ICICI Bank net banking page.

  • Complete the ICICI credit card login process using your credentials.

  • Under the ‘My Accounts’ section, click on ‘Credit Card’.

  • Select the ‘Manage Credit Limit’ option.

  • Click on ‘Go’.

  • Check the ICICI credit card maximum limit and the existing ICICI Bank credit card limit.

  • Enter the desired ICICI Bank card limit.

  • Validate with the OTP sent to you and click on ‘Submit’.

You will receive a confirmation message stating that the ICICI Bank credit limit increase request has been processed. You can now proceed to make purchases as per the new ICICI credit card transaction limit.

4) Customer Care

If you are eligible for a credit card limit increase, you can also call the ICICI Bank credit card customer care on 1860 120 7777 or 1800 103 8181 or <STD code> 3366 7777 or +91 407 140 3333 (domestic customer travelling overseas) and request assistance.

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Frequently Asked Questions about ICICI Bank Credit Card Limit

✔️What is the limit of an ICICI credit card?

The limit of an ICICI credit card is decided when you apply for a credit card. The bank considers will consider the following before setting your credit limit:

  • Your income level

  • Credit history

  • Your current debt

  • Your repaying capacity

✔️How much of my ICICI credit card limit can I use?

The total credit limit on your ICICI credit card is the maximum amount you can borrow on your card. When all bills have been cleared, the available limit for spending is the same as the total credit limit. However, the available credit limit on the card reduces every time you use the card and increases every time you pay the credit card bills.

✔️What will happen if I exceed the ICICI credit card limit?

You are required to pay the overlimit charges for your ICICI credit card if your spends exceed the total card limit.

✔️How can I increase the ICICI credit card limit?

If you are eligible to upgrade the credit card limit on your ICICI Bank credit card, you can do so via SMS, iMobile app, net banking account, or by calling the ICICI Bank credit card customer care.

✔️How is the ICICI credit limit calculated?

The credit card limit at ICICI Bank is decided at the time of credit card application after considering your income level, credit history, and current debt.