Idk I has 50k hdfc easy EMI for like 2 years, never used it, upgraded to 1.59L when I started to use. At the same time I got Amazon pay 50k and they increased to 2.7L when I called them asked my hdfc is having 1.59L, how come my amazon card is not upgrading, they increased after the call.
Then this year my hdfc only increased from 1.59 to 1.79 pathetic. My amazon mean while all p had to do was SMS to increase my limit and they increased to 4.8L. I contacted hdfc while I had 1.59 and told see my other card has 4.8L and I need more limit as I'm buying a phone, they asked for salary slip and shit and didn't upgrade after sending salary also
By in March I applied for Google pay and got approved within 4 hours and got the card 2 weeks later with 1.79 limit. The same limit as hdfc card. So no having multiple cards is useful as banks see what else card you have with what limit via cibil and all.