Is your Axis Bank credit card limit too low?
Do you have multiple Axis Bank credit cards with different different credit limits but with a maximum aggregate limit?
Axis Bank offer you a maximum aggregate limit and a per card limit.
For example-
Suppose... you have 3 Axis Bank credit cards.
Axis Vistara Infinite with 6 lakhs limit.
Axis ACE with 1L limit
And Axis Magnus with 2L limit.
In this case, your total credit limit (aggregate limit) from axis bank is 6 lakhs.
But you can spend a maximum of 1L from your ACE & 2L from your Magnus, because of per card limit.
Solution for removing the per card limit-
You can request Axis Bank to remove the per card limit, and in most cases they'll remove your per card limit.
You have to email Axis Bank & request for per card limit removal, (check our other thread - bank credit card department email ids, if you don't have Axis Bank email id - https://www.technofino.in/community/threads/all-bank-credit-card-department-email-id-phone-no.529/ ).
Most probably they will remove the per card limit and you'll get an equal shared limit on all your cards.
In the case of the above example-
You'll have Axis Vistara Infinite with 6L limit, Axis Ace with 6L limit and Axis Magnus with 6L limit and total aggregate limit- 6 lakhs.
But what to do if you don't have multiple cards and have a very low limit on your single axis bank credit card-
In this case... I'd recommend you to apply for a higher variant axis bank credit card using card to card method (use credit card which has highest credit limit).
Most probably you'll get approved with a better credit limit.
Now follow the same step, email axis bank and request them to merge limits of both of your cards.
My Case-
My axis ace card limit was 90,000 only
Axis magnus limit was 2L
Axis vistara infinite limit was 6.5L
And Axis Reserve limit - 7L
Now after requesting axis bank to remove per card limit, all my cards are showing 7L limit (per card basis) on mobile app and total aggregate limit 7L.
Do you have multiple Axis Bank credit cards with different different credit limits but with a maximum aggregate limit?
Axis Bank offer you a maximum aggregate limit and a per card limit.
For example-
Suppose... you have 3 Axis Bank credit cards.
Axis Vistara Infinite with 6 lakhs limit.
Axis ACE with 1L limit
And Axis Magnus with 2L limit.
In this case, your total credit limit (aggregate limit) from axis bank is 6 lakhs.
But you can spend a maximum of 1L from your ACE & 2L from your Magnus, because of per card limit.
Solution for removing the per card limit-
You can request Axis Bank to remove the per card limit, and in most cases they'll remove your per card limit.
You have to email Axis Bank & request for per card limit removal, (check our other thread - bank credit card department email ids, if you don't have Axis Bank email id - https://www.technofino.in/community/threads/all-bank-credit-card-department-email-id-phone-no.529/ ).
Most probably they will remove the per card limit and you'll get an equal shared limit on all your cards.
In the case of the above example-
You'll have Axis Vistara Infinite with 6L limit, Axis Ace with 6L limit and Axis Magnus with 6L limit and total aggregate limit- 6 lakhs.
But what to do if you don't have multiple cards and have a very low limit on your single axis bank credit card-
In this case... I'd recommend you to apply for a higher variant axis bank credit card using card to card method (use credit card which has highest credit limit).
Most probably you'll get approved with a better credit limit.
Now follow the same step, email axis bank and request them to merge limits of both of your cards.
My Case-
My axis ace card limit was 90,000 only
Axis magnus limit was 2L
Axis vistara infinite limit was 6.5L
And Axis Reserve limit - 7L
Now after requesting axis bank to remove per card limit, all my cards are showing 7L limit (per card basis) on mobile app and total aggregate limit 7L.
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