Yes bank says, limit reduction is not possible for Kiwi card. Is there any better card for UPI rewards? I feel 3L is too much for me for this single card and it might be puttting mer in overleveraged category
I just keep this card for discounts and I don't accept the limit increases because it might cause overleverage issues for the cards I might want in future.
It will work if bank manager comes for processing the request, most of the overleveraged issue is with applying for sbi cashback and that is available only online.
Got this card for my wife and applied add on for me (overleverage issue). A very good card and already using it to the core to take benefits out, card came and already got 4k cashback.
Wonderful rupay upi card to have.
But I doubt being a PSU bank they will approve it easily without having account with them. Secondly they have the best reason to share for rejection - "Over Leverage" :P