Axis Bank Credit Card Low Limit Problem & Possible Solutions

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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.

 

[BUDHRAJ]

I applied for second axis card which got approved with a higher limit than first card. Post that I received this message :

“This is an informational message. Credit limit across all your Axis Bank Credit Cards is INR XX0000. Irrespective of different credit limits on your individual Credit Cards, combined usage is restricted to INR XX0000; all other TnC remain unchanged. Details: https://ccm.axbk.in/s/PUAUhqFs”

However in the mobile app under credit card I can still see the individual card limits but higher aggregate limit . Do I have to mail customer support to get it removed?

well, aggregate limit is shown in axis app automatically, but each card has thier own individual limits and limit is shared among all cards.
to remove individual limit and match aggregate limit to all cards, you have to mail pno, nodal again and again till you saw a service request genrated.

i had to mail 10-20 times to pno and 5-10 times to nodal, all their responses was same typical bot response, and even when i recieved a call from pno they clearly denied. but i kept trying and don't know after which attempt they raised a request. even if they raise a request,they don't mention it in mail.
so check from this link https://mobiapp.axisbank.co.in/SRStatus/AxisSRTracker/GetSRStatus

after request generation, your aggregate limit will be match in 2-3 days

 

[0xfallup]

anyone recently got success?

 

[golu]

I successfully managed to get the same limits on my all cards.
This took me around 15 days and 2-3 emails to customer care and then multiple emails to pno. Total 12 emails and today got my limits matched.

 

[prc1990]

I successfully managed to get the same limits on my all cards.
This took me around 15 days and 2-3 emails to customer care and then multiple emails to pno. Total 12 emails and today got my limits matched.

Limit match across all cards is now a default feature from Axis. It got matched automatically for many customers w/o even requesting.

 

[golu]

Limit match across all cards is now a default feature from Axis. It got matched automatically for many customers w/o even requesting.

Yes but it takes 4-5 months for automatic.

 

[mailmenow]

Limit match across all cards is now a default feature from Axis. It got matched automatically for many customers w/o even requesting.

It will be matched automatically when that rule was implemented only. After that it won't. We need to send mail PNO with the mail received from bank after 20-may 2023 regarding the per card limit set to maximum aggregate limit. The main thing is that none of the PNOs are not aware of this default rule

 

[mailmenow]

Axis is now automatically increasing limits with the highest available limit on your credit card and sharing it with other cards

It will not increase automatically when you got a limit enhancement offer after that. I really didn't understand why it is not happened after that rule implementated?

 

[mailmenow]

well, aggregate limit is shown in axis app automatically, but each card has thier own individual limits and limit is shared among all cards.
to remove individual limit and match aggregate limit to all cards, you have to mail pno, nodal again and again till you saw a service request genrated.

i had to mail 10-20 times to pno and 5-10 times to nodal, all their responses was same typical bot response, and even when i recieved a call from pno they clearly denied. but i kept trying and don't know after which attempt they raised a request. even if they raise a request,they don't mention it in mail.
so check from this link https://mobiapp.axisbank.co.in/SRStatus/AxisSRTracker/GetSRStatus

after request generation, your aggregate limit will be match in 2-3 days

Bro you don't need to send multiple mail to PNO. just attach the mail sent by bank after the rule is implemented on 20-MAY-2023 stating individual limit is reversed and it set to the maximum aggregate limit. Otherwise they don't agree you

 

[tn_72]

to remove individual limit and match aggregate limit to all cards, you have to mail pno, nodal again and again till you saw a service request genrated.

If a service request SR number is generated, would that mean per card limit will be removed in few days?

I got two SR numbers today itself with two different pno names with same robotic response. I guess those two are dumb idiots. Have now sent email to cno to try my luck.

 

[mailmenow]

Limit match across all cards is now a default feature from Axis. It got matched automatically for many customers w/o even requesting.

But most of the customer got match only once the request is placed . And request should be placed everytime when we get a limit enhancement in any of the card to equalise the limit on rest of the cards. Please suggest a permanent solution for this. Bank is already implemented the new policy to equalize limit limit on each of the cards to aggregate limit. But still it is not processed automatically??

 

[tn_72]

If a service request SR number is generated, would that mean per card limit will be removed in few days?

I got two SR numbers today itself with two different pno names with same robotic response. I guess those two are dumb idiots. Have now sent email to cno to try my luck.

Update (short version): My credit limit in Axis Ace and Atlas cared are now shared after raising a service request. The issue is resolved in the first SR, however it took few phone calls and transferring to their higher official. But privilege shows old limit. In the initial e-mail to PNO i requested to share the same aggregate limit for Ace and Atlas, and not Privilege. And i do not need a higher limit in Privilege and planning to close it either way.

Now the long story: This is what happened. So i wrote two e-mails to PNO and one to CNO. First e-mail to PNO was sent day before yesterday. Yesterday i sent one e-mail to PNO and CNO with updated info. The request was approved for the first ticked raised day before yesterday. On the same day, i got the same copy paste generic response and on the same day i replied back to them with a detailed e-mail and attaching the screenshot from this forum showing confirmation e-mail for shared limit from Axis bank. There was a phone call yesterday but at that time i created two more service requests. In the phone call it is pretty apparent they have different levels to scrutinize service requests. First to check, if the e-mail was from bank registered e-mail. Second level, another person looks to see whether the request is acceptable. Only at this stage you get this robotic response and if you give more info or say the issue is not resolved to satisfaction, the person in the second level escalates to third person who in most cases would resolve the query. The bottom line is that both the principal/circle nodal officer goes through our service requests only in very rare and exceptional cases. The rest others are handled by office staff. So you have to be persistent to make sure that you penetrate the second level, for that you need to make them understand your need and what is mentioned in their robotic response is not the solution that you asked for. You need to tell them you are not asking for LE and having shared aggregate limit does not increase credit exposure. If they say it is their internal policy to not share limit between cards, you can show the screenshot shared by other users in this forum and tell them that the bank cannot discriminate in implementing a policy for certain group of customers. I threatened them that they are discriminating and that i would file a complaint for the same in RBI ombudsman, then my call was transferred to another person who said you will get the aggregate limit in Atlas and as promised i got the aggregate limit in Atlas.

 

[Predator]

Update (short version): My credit limit in Axis Ace and Atlas cared are now shared after raising a service request. The issue is resolved in the first SR, however it took few phone calls and transferring to their higher official. But privilege shows old limit. In the initial e-mail to PNO i requested to share the same aggregate limit for Ace and Atlas, and not Privilege. And i do not need a higher limit in Privilege and planning to close it either way.

Now the long story: This is what happened. So i wrote two e-mails to PNO and one to CNO. First e-mail to PNO was sent day before yesterday. Yesterday i sent one e-mail to PNO and CNO with updated info. The request was approved for the first ticked raised day before yesterday. On the same day, i got the same copy paste generic response and on the same day i replied back to them with a detailed e-mail and attaching the screenshot from this forum showing confirmation e-mail for shared limit from Axis bank. There was a phone call yesterday but at that time i created two more service requests. In the phone call it is pretty apparent they have different levels to scrutinize service requests. First to check, if the e-mail was from bank registered e-mail. Second level, another person looks to see whether the request is acceptable. Only at this stage you get this robotic response and if you give more info or say the issue is not resolved to satisfaction, the person in the second level escalates to third person who in most cases would resolve the query. The bottom line is that both the principal/circle nodal officer goes through our service requests only in very rare and exceptional cases. The rest others are handled by office staff. So you have to be persistent to make sure that you penetrate the second level, for that you need to make them understand your need and what is mentioned in their robotic response is not the solution that you asked for. You need to tell them you are not asking for LE and having shared aggregate limit does not increase credit exposure. If they say it is their internal policy to not share limit between cards, you can show the screenshot shared by other users in this forum and tell them that the bank cannot discriminate in implementing a policy for certain group of customers. I threatened them that they are discriminating and that i would file a complaint for the same in RBI ombudsman, then my call was transferred to another person who said you will get the aggregate limit in Atlas and as promised i got the aggregate limit in Atlas.

Axis have only one internal policy and that is to suck blood out of their customers.