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SBI Credit Card Limit

A credit card also referred to as plastic money, can allow you to spend money for making various purchases, or availing different services through credit transactions. As opposed to a debit card, where you can spend money as per the funds available in your bank account, a credit card has no such restriction. You can spend money as per the prescribed credit limit. On making repayments within the stipulated date, you will not have to pay interest charges. Conversely, you can be charged a high-interest rate, for defaulting on payments. Credit cards also provide the facility to withdraw cash - as per the prescribed cash limit. The interest rate on cash withdrawals is higher as compared to making purchases via the card. If you are looking to apply for credit card then Finserv MARKETS is the best place for you!

SBI credit card limit: Different cards issued by the SBI provide for different credit limits. In other words, the bank provides different credit limits to different customers. The bank sets the specified credit limit for a customer after considering key variables such as income level, existing liabilities, and credit score. Credit cards with a high credit limit are usually issued to low-risk category customers, while those with high to moderate credit risks are provided a credit card with a marginal or comparatively lower credit limit. 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 Rs 2 Lakh, and you spend Rs 50,000, the available credit limit will be Rs 1.5 Lakhs.

  • 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.

How to check your current SBI credit card limit?

You can check your SBI credit card limit through:

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

  2. SBI Card Mobile App: You can install this 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 is the last four digits of your credit card.

  4. Credit card statement: You can also check your current credit card limit through the monthly statement, emailed to your registered email address.

How to increase the SBI card limit?

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

1. Pre-approved Credit Limit offer: As per the SBIs internal policy, it regularly identifies existing cardholders for a pre-approved credit 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 to increase the SBI card limit, 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: sbicard.com 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 39020202 (prefix STD code) and speak to a customer care executive.

2. Credit card increase with income documentation: If you want to increase the limit of SBI card, you can opt to :

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

Make a phone call: You can call the SBI Card helpline at 1860-180-1290, or 39020202 (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 card

You must remember that the following documents have to be submitted to increase the SBI card limit :

  1. Form 16 (for eligible salaried individuals).

  2. ITR VI (for companies not claiming an exemption for having income from property held for religious/charitable purposes)

  3. Last 2 months salary slips for salaried individuals.

  • You can either mail the soft copies of the documents to sbicard.com/email, or mail the physical copies of the requisite documents to Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon -122002

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


After knowing about the SBI credit card limit and the steps required to increase the SBI card limit, you can now apply online for SBI credit cards. You can zero in on Finserv MARKETS for making an application for an SBI credit card, and get access to multiple benefits such as rewards and discounts, joining benefits, and the option of converting purchases into EMIs. 

Frequently Asked Questions about SBI Credit Card Limit

  • ✔️What is the limit of an SBI credit card?

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

  • ✔️How can I know my SBI credit limit?

    You can know your credit limit through net banking, mobile banking app, sending SMS, or by going through your credit card statement. 

  • ✔️How can I increase my SBI credit card limit?

    You can check for pre-approved offers. In the event of not having any such an offer, you can email or call the bank, and submit the requisite documents to prove that you have a higher income.