Any pro tips for Axis bank limit increase?

[Umangmakwana]

Hello all, I’ve been using Axis ace card with 3L limit from last 2 years. This limit was offered by first time itself and after that I’ve applied Magnus and atlas and using both with same limit sharing. I got atlas card just few days back. I’ve Apay icici card with 5L and Onecard with 3.7. Apay is very old card. can anyone have tips how I can increase my limit in Axis bank cards. Like if anyone have tried using C2C card limit match method. Is Axis accepting that?

 

[samm255]

They don't accept C2C for LE. They ask for ITR/Salary slip for manual LE. There is no other way unless you get pre-approved LE offer which rarely happens.

 

[drsel]

Hello all, I’ve been using Axis ace card with 3L limit from last 2 years. This limit was offered by first time itself and after that I’ve applied Magnus and atlas and using both with same limit sharing. I got atlas card just few days back. I’ve Apay icici card with 5L and Onecard with 3.7. Apay is very old card. can anyone have tips how I can increase my limit in Axis bank cards. Like if anyone have tried using C2C card limit match method. Is Axis accepting that?

Simple ways to increase your limit is by paying more than the total due on your credit card.
Only you will not get interest on the excess payment.

 

[drsel]

Or you can open a Burgundy saving account or fixed deposit and then ask for limit increase in the branch itself

 

[Umangmakwana]

Or you can open a Burgundy saving account or fixed deposit and then ask for limit increase in the branch itself

No no burgundy account makes no sense for me. I cant just put chunk of money for this small thing right but I will try the other thing that Will pay more than the total amound due. Thank you

 

[Umangmakwana]

They don't accept C2C for LE. They ask for ITR/Salary slip for manual LE. There is no other way unless you get pre-approved LE offer which rarely happens.

Yeah and with Manual LE an cibil inquiry will be hit or not?

 

[HVS]

Yeah and with Manual LE an cibil inquiry will be hit or not?

Every time you apply for manual LE there will be cibil hit

 

[drsel]

Limit enhancement should be taken ONLY if it is offered by the bank.
don't apply for it manually to avoid a CIBIL hit.

that option of paying extra money up to 5% of the total limit, is always there for every credit card in India, except SBI cards.
SBI clearly states that they can refuse/reject extra payment

 

[0xfallup]

Just apply Samsung infinite credit card via C2C , post approval mail them to match limit

 

[Umangmakwana]

Every time you apply for manual LE there will be cibil hit

Oh I get it. Thanks for the info

 

[Umangmakwana]

Limit enhancement should be taken ONLY if it is offered by the bank.
don't apply for it manually to avoid a CIBIL hit.

that option of paying extra money is always there for every credit card in India

Yea I got it. But extra money is like how much in numbers? My credit bills are usually 40-50k per month in numbers.

 

[Umangmakwana]

Just apply Samsung infinite credit card via C2C , post approval mail them to match limit

I can’t bro I’ve already 3 axis bank card and I just got atlas card even if somehow 4th card will be possible but Ive to wait for 90 days cooldown period

 

[samm255]

I can’t bro I’ve already 3 axis bank card and I just got atlas card even if somehow 4th card will be possible but Ive to wait for 90 days cooldown period

Through offline, you can get 4th card. CIBIL will hit for manual LE.

 

[Shubham Yadav]

N

Yea I got it. But extra money is like how much in numbers? My credit bills are usually 40-50k per month in numbers.

No need to pay extra

Just use your axis on different merchant

 

[Umangmakwana]

Through offline, you can get 4th card. CIBIL will hit for manual LE.

Oh I see I will take this in my mind. But also through offline i still have to wait for 90 days right?

 

[Shubham Yadav]

Oh I see I will take this in my mind. But also through offline i still have to wait for 90 days right?

Yes

 

[Umangmakwana]

N

No need to pay extra

Just use your axis on different merchant

Umm I didn’t get it. Can you explain what and how?

 

[Shubham Yadav]

Umm I didn’t get it. Can you explain what and how?

Sometime use grocery store, mall, cloth shop, stationary shop, online and offline

Multiple merchant quite important when it come to axis

As suggested by many of this forum member

 

[Umangmakwana]

Sometime use grocery store, mall, cloth shop, stationary shop, online and offline

Multiple merchant quite important when it come to axis

As suggested by many of this forum membet

oh right now I understood your point. Got it thanks!

 

[drsel]

Yea I got it. But extra money is like how much in numbers? My credit bills are usually 40-50k per month in numbers.

I read that you can pay upto 20% more than your credit card limit