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SBI Card Limit

Whether you are applying for a credit card for the first time or are a premium customer, SBI offers a range of credit cards for all. You can enjoy SBI credit card benefits across categories such as shopping, travel, dining, and more. However, the SBI credit card limit will differ from person to person and the type of SBI card availed. This limit is decided by the bank at the time of credit card issuance after assessing the applicant’s eligibility, spending habits, credit score, and other parameters. Let us understand in detail about SBI card limit types, factors affecting them, and different ways via which you can increase SBI credit card limit.

How to Check Your Current SBI Credit Card Limit?

You can check your current SBI credit card limit via the following channels:

  1. Netbanking: Log in to the SBI credit card net banking facility to know your current credit card limit.

  2. SBI Card Mobile App: You can install the SBI mobile app on your smartphone, and log in to check the existing SBI credit card limit.

  3. SMS: You can know your available credit card limit by sending an SMS in the prescribed format to 5676791 from your registered mobile number. You have to text: ‘AVAIL XXXX’, where XXXX are the last four digits of your credit card.

  4. SBI Credit Card Statement: You can also check your current SBI credit card limit through the monthly statement that is emailed to your registered email address.

How to Increase SBI Credit Card Limit?

You can increase the limit of an SBI card by either availing pre-approved credit limit offers or by requesting a credit limit increase with income documentation.

Types of SBI Credit Card Limit

The bank sets a specified credit limit for a customer after considering key variables such as income level, existing liabilities, and credit score. Usually, there are three types of credit card limits:

  • SBI Card Total Credit Limit: This is the maximum amount that you can spend on your credit card.

  • SBI Card Available Credit Limit: This is the amount available for usage at a particular point in time. For instance, if your maximum limit is ₹2 lakh and you spend ₹50,000, the available credit limit will be ₹1.5 lakh.

  • SBI Card Cash Limit: The SBI card cash limit again varies from one customer to another. Based on the type of card issued, various cash limits are prescribed. You must remember that withdrawal of cash through your credit card is subject to the applicability of interest rates along with a cash withdrawal fee.

Factors Determining SBI Credit Card Limit

  • Specific Credit Card Eligibility: Different SBI credit cards have different eligibility criteria that must be fulfilled to avail the card. This includes age, gross annual income, residency, etc. Depending on how well you satisfy your SBI credit card eligibility, your SBI card limit will be decided

  • Credit Score: This is another important parameter that the bank considers when deciding your credit card limit. Ideally, if you have a credit score of 750 or above, you can avail the SBI credit card maximum limit on the respective card variant.

  • Income-Debt Ratio: It is the ratio of all your monthly debts/payment divided by the gross monthly income. Higher the income-debt ratio, lower would be your chance to increase SBI credit card limit.

  • Other Credit Cards: The number of existing credit cards to your name also acts as a parameter that affects your credit card limit

  • Other Factors: Other factors such as your job nature, employment duration, existing debts/loans, etc are also taken into consideration while doing SBI credit card limit check.

Pre-Approved Credit Limit Offer (Zero-Document Approval)

As per SBI’s internal policy, it regularly identifies existing cardholders for a pre-approved SBI card limit increase offer. The select cardholders receive a message or an email about the offer. Such an offer can be also made via the monthly credit card statement. To avail the offer, you are not required to provide any additional documentation. You can avail this offer via the following modes :

  • SBI card website: Visit the official webpage: and select the offers/benefits option. After selecting the credit limit increase offer, click on submit.

  • SMS: Text: INCR XXXX (the last 4 digits of your credit card) to 5676791 from your registered mobile number.

  • Chatbot ILA: After logging in to Chatbot ILA, ask for a credit card limit increase. Then follow the given instructions.

  • SBI card helpline: You can call the toll free helpline number 1860 180 1290, or 3902 0202 (prefix STD code) and speak to an SBI credit card customer care executive.

  • Email: Write to to increase SBI credit card limit.

Credit Card Increase With Income Documentation

If you want to increase the limit of SBI card, you can opt to send income document proofs via the following two ways :

  • Send an email to the bank: You can write to the bank at The concerned authorities will revert within two working days.

  • Make a phone call: You can call the SBI Credit Card helpline at 1860 180 1290, or 3902 0202 (prefix STD code) and check with the customer care executive regarding your eligibility to increase the SBI card limit.

Documents Required to Increase the Limit of SBI Credit Card

The following documents need to be submitted as income proof if you wish to increase SBI credit card limit:

  1. Form 16

  2. ITR VI

  3. Last 2 months salary slips for salaried individuals

You can either mail the soft copies of the documents to, or mail the physical copies of the requisite documents on the following address:


Correspondence Department,

DLF Infinity Towers,

Tower C, 10-12 Floor, Block 2, Building 3,

DLF Cyber City,

Gurgaon, Haryana 122 002

After receiving the documents, the concerned authorities will review the income documents. On the basis of the SBI’s internal risk policy, the request to increase the limit of the SBI card will either be approved or rejected. 

FAQs on SBI Card Limit Increase

✔️What is the limit of an SBI credit card?

Different types of SBI credit cards have different credit limits. For instance, the Club Vistara SBI Card Prime has a higher credit limit as compared to the SBI SimplySAVE credit card. Generally, credit cards with higher credit limits are issued to high-income/low-risk individuals. 

✔️How can I know my SBI credit limit?

You can know your credit limit through netbanking, mobile banking, SMS, or through your SBI credit card statement.

✔️How can I increase my SBI credit card limit?

You can check for pre-approved offers. Conversely, you can email or call the card-issuing bank and submit the required income documents for SBI card limit increase eligibility.