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Payments Insight

Over Limit Facility on Credit Card: What is Over Limit Consent & Charges

authour img
Roshani Ballal Posted on Jun 09, 2026
How To Cancel Auto Debit From Kotak Credit Card

Table of Contents

What is the Over Limit Facility on a Credit Card?

The over limit facility on a credit card allows cardholders to make transactions even after reaching their sanctioned credit limit. This is typically permitted only when the bank has granted prior approval and may attract a credit card overlimit fee or over limit penalty credit card charge.

However, as per RBI guidelines, issuers cannot enable this feature automatically. It is available strictly on an opt-in basis. This means you must provide explicit consent to use the over limit facility. Without this, transactions exceeding your credit limit may get declined.

For example, if your credit limit is ₹1 Lakh and you opt for this feature, you may be able to spend slightly beyond that amount in certain cases. The bank may levy credit card over limit charges, usually calculated as a percentage of the exceeded amount or a flat fee.

While it offers flexibility during emergencies, frequent usage can increase your overall dues and impact repayment discipline.

What is Over Limit Consent in Credit Cards?

Over limit consent in credit card usage refers to the explicit approval you provide to your card issuer to allow transactions beyond your credit limit. As per RBI regulations, this consent must be clear, informed, and recorded—either digitally or in writing.

So, what is over limit consent in credit card terms? It simply means you are choosing to enable the over limit facility voluntarily, fully aware of the associated fees and risks.

You can provide this consent through channels such as net banking, mobile apps, or customer care. Similarly, you can withdraw or disable it at any time if you no longer want to incur additional charges.

Without this consent, banks are not allowed to process over-limit transactions or charge any related fees. This ensures transparency and prevents unexpected costs for users.

Using the feature occasionally may be manageable, but repeated usage may increase your credit utilisation ratio, which could affect your credit score over time.

How to Enable Over Limit Consent on Your Credit Card

You can enable over limit consent in credit card settings through multiple convenient channels. Most leading banks offer both online and offline methods:

Common Methods

  • Net Banking: 
    • Log in
    • Go to credit card settings 
    • Enable over-limit transactions
  • Mobile App: 
    • Navigate to card controls
    • Toggle over limit facility
  • Customer Care: Call support and request activation


Examples:

You can enable over limit consent on your credit card through various digital channels provided by your card issuer. The exact steps and availability may vary depending on the bank and card type.

  • SBI Card: The feature may be enabled via the SBI Card app or website under usage controls or card management settings, depending on the available options for your card.

 

Once enabled, you can transact above your credit limit within a buffer permitted by the bank. Note that each such transaction may attract a credit card overlimit fee.

You can also disable the feature anytime if you want stricter spending control.

Credit Card Over Limit Charges: Bank-Wise Comparison

Credit card over limit charges apply when you spend beyond your approved credit limit after opting for over limit consent. Issuers typically levy a fee based on the exceeded amount or a predefined minimum charge, whichever is higher. In addition, applicable taxes such as GST are charged on this fee. The exact charges may vary depending on the bank, card type, and associated terms. These fees are reflected in your monthly credit card statement. Using this facility frequently can increase your outstanding balance and may impact your overall credit utilisation if not managed carefully.

GST on Over Limit Charges

All over limit penalty credit card fees attract GST (currently 18%). This adds to the overall cost of exceeding your credit limit.

For example, if your overlimit fee is ₹500, an additional GST amount will be applied, increasing your total payable.

It is advisable to check the latest fee schedule provided by your bank to avoid surprises.

Should You Enable the Over Limit Facility?

Enabling the over limit facility can be useful in certain situations, but it comes with trade-offs.

Pros

  • Provides extra spending buffer during emergencies

  • Helps avoid transaction declines at critical times

Cons

  • Attracts credit card over limit charges and GST

  • May increase your credit utilisation ratio

  • Can negatively affect your credit score if overused

Recommendation

Use this facility only as a fallback option rather than a regular spending tool. If you maintain disciplined spending and timely repayments, you may avoid the need for such features altogether.

FAQs on Over Limit Facility on Credit Card

What is over limit consent in credit card?

It is the explicit permission you give to your issuer to allow transactions beyond your credit limit, along with applicable fees.

Over limit charges vary by issuer and card type. Banks typically levy a fee based on the amount exceeding your credit limit or a minimum fixed charge, whichever is higher. In addition, applicable taxes such as GST are charged. It is advisable to check the card’s fee schedule for exact details.

Yes, you can disable it anytime via mobile app, net banking, or customer care.

It can impact your score if it increases your credit utilisation or leads to repayment delays.

View More
writer-img-alt
Hi! I’m Roshani Ballal
Financial Content Specialist
writer-img-alt

Roshani has over 6 years of experience and has honed her skills in performance content marketing in the financial domain. She loves diving into research and has crafted and overviewed creative copies, long-form financial content, engaging blogs, and informative articles. She specialises in delivering user-oriented content and solving problems through various content formats. On the side, Roshani enjoys writing poems-that's how she stays creative when she is not crunching numbers.

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Academy by Bajaj Markets

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All Things Credit

Unlock the world of credit! From picking the perfect card to savvy loan management, navigate wisely.

Seasons 12
Episodes 56
Durations 3.0 Hrs
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Money Management and Financial Planning

Money Management and Financial Planning covers personal finance basics, setting goals, budgeting...

Seasons 5
Episodes 19
Durations 1.1 Hrs
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The Universe of Investments

Explore the investment cosmos! From beginner's guides to sharp-witted strategies, explore India's treasure trove of options.

Seasons 5
Episodes 23
Durations 1.5 Hrs
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All Things Tax

Navigate the tax maze with ease! Uncover Income Tax 101, demystify jargon with Terms for Beginners, and choose between Old or New Regimes.

Seasons 6
Episodes 25
Durations 1.3 Hrs
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Insurance Handbook

Discover essential insights on various types of insurance in India.

Seasons 2
Episodes 6
Durations 0.5 Hrs
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Tech in Finance

Welcome to Tech in Finance, where we explore the exciting intersection of technology and finance...

Seasons 1
Episodes 5
Durations 0.3 Hrs
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Indices : Nifty 50 Nifty Bank Nifty Financial Services Nifty Next 50 Nifty Midcap 100 India Vix
Stocks : A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

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