In my case I observed that they give LE in case spending is high. Maine 2020 me ek 245k ka TV emi pe liya tha using my HDFC Regalia first LTF card. At that time limit was 392K. After 6 months, in Jan 21, they upgraded to Regalia LTF with LE to 560k. ICICI bhi usko hi match karta hai.