For me the scenario is different...i have their zero balance salary account where salary was last credited in Jan 2020, after that i usually keep balance less than 1000 there but its still zero balance, I have 4 cards HPCL, Hpcl coral ltf , amazon pay ltf, coral ltf, still i get decent limit enhancement like 1 month ago it was increased from 7 lakhs to 9 lakhs..in 2019 started with icici limit of 50k.