Credit utilisation calculation

[rish_s]

Does the credit utilisation by cibil takes account individual credit cards or total credit available in all combined credit cards?

 

[Mritunjay]

How is Credit utilization calculated?

I have two credit cards. Axis Flipkart with 50K limit and good reward rate. HDFC Millenia with 150K limit but worse reward rate. I use mostly for offline spends so reward rate is 1.5% and 1.0% respectively for me. If I max out Axis card(80% or 40K) and dont use HDFC card, will it affect my...

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