How to get credit card limit enhancement? Hidden information

[TechnoFinoTechnoFino is verified member.]

Who doesn't want to hold premium credit cards with a high credit limit? Sometimes banks ask you to have a certain credit limit on your existing credit card before upgrading your credit card to a higher variant card. For example, HDFC Bank asks you to have a minimum of Rs. 8 lakh limit on your existing credit card before upgrading it to the HDFC Infinia credit card.
There are lots of benefits to having a high credit limit on your credit cards.
- Your card qualifies for an upgrade to a higher variant card.
- You'll have high spending power.
- You can maintain low utilisation ratio.
- Increased chances of approval if you apply for another credit card using that card (card to card method) and many more.

But how does one get limit enhancement?
There are two options to get credit limit enhancement on your credit card.
1. Automatic Limit Enhancement
2. Manual Limit Enhancement

1. Automatic Limit Enhancement:
You don't have to do anything to get an automatic limit enhancement offer from the bank. Just use your credit card regularly and pay your credit card bill on time. That's it. The bank will review your credit card account from time to time (normally every 6 months) and offer you an automatic limit enhancement. You'll get a call/sms/email/app notification from the bank.

2. Manual Limit Enhancement:
There are a few methods you can use to request credit limit enhancement from your bank.

a. Call & Ask:
Remember one thing... If you don't ask for something, you'll not get it. So, call your bank and ask for a limit enhancement. Sometimes customer care officers do provide limit enhancement. You can also email your bank and ask for a limit enhancement.

b. Submit income documents:
you can email your income documents (i.e., salary slip, ITR) to your bank and ask for limit enhancement. The bank will review your income documents and may offer a limit enhancement.

c. Maintaining High NRV:
If you are maintaining a high NRV with your card issuer bank, then ask for an extra limit. Some banks do offer limit enhancement if you maintain a high relationship value with your bank. You can email and request a limit enhancement on the basis of your NRV.

d. Limit Enhancement On The Basis Of Other Bank Credit Cards' Limit:
Yes, a few banks offer credit card limit enhancement on the basis of your other bank credit cards' limit. It's just like a hotel loyalty programme status match.
For example, if you have a 12L limit on your HDFC Bank credit card, you can email your card statement to ICICI Bank and ask for a limit match. Sometimes the bank matches your limit; sometimes they ask for additional proof like an ITR or salary slip. This is not an official way of asking for limit enhancement, but yes, a few banks do offer limit enhancement this way. So you can try your luck.

I have used this method multiple times to match one bank's credit card limit to another bank's card.
Here I'm attaching some screenshots-

My ICICI Bank Credit Card limit -


My BOB Card Limit-


My IndusInd Bank Card Limit-


Credit card limit enhancement depends on many factors, so nothing is guaranteed.
Try your luck.

 

[pprakash11]

My Bob easy card just approved with limit of 50k only,
I have Hdfc Millennia credit card with limit of 7,79,000 and Amazon Pay credit card with limit of 9,40,000 but approved 10 days ago,

I want to increase limit of Bob, please suggest me how can I do that and after how much month I should request for limit increase via email,

After 1 year

which card should I use for asking limit increase?

They don't accept c2c, wither ITR or pay slips

Will Bob match limit with other cards?

No

 

[Tejo]

My Bob easy card just approved with limit of 50k only,
I have Hdfc Millennia credit card with limit of 7,79,000 and Amazon Pay credit card with limit of 9,40,000 but approved 10 days ago,

I want to increase limit of Bob, please suggest me how can I do that and after how much month I should request for limit increase via email, which card should I use for asking limit increase?
Will Bob match limit with other cards?

What was your credit utilization ratio at the time of approval?

 

[Mysterio_6174]

What was your credit utilization ratio at the time of approval?

28%

 

[vikasr94]

Hey everyone I mailed hdfc bank regarding credit limit increase through other bank other bank credit card and they replied stating that they only accept few cards and they are standard chartered, citibank, hsbc, deutsche and axis bank only are acceptable

which email ID did you try, can you please DM me.

 

[Hoozy]

I have received Business Regalia CC on pre approved basis 2 months back. Can i increase the limit on basis of amex platinum reserve with 8 lac limit?
When should i mail them for limit enhancement (months)?

 

[Shubham Yadav]

I have received Business Regalia CC on pre approved basis 2 months back. Can i increase the limit on basis of amex platinum reserve with 8 lac limit?
When should i mail them for limit enhancement (months)?

Now a days HDFC is not increasing Limit on their card on the basis of C2C however a few member in our community managed to get job done. First spent a considerable amount on that card at upcoming few month than raise a request on the basis of Slary slip or ITR.

 

[macx]

I had a money-back credit card for almost 4 years. It started with a limit of 78k, but last year it was increased to 148k. Later, I decided to upgrade to the Millenia credit card, but unfortunately, the limit was reduced to 112k. During this time, I spent about 40k per month with the card.

At the same time, I also had an ICICI platinum credit card that started with a limit of 30k. Over the years, its limit has grown to 420k.

I tried talking to my HDFC RM and customer care to get my old HDFC money-back card limit back, but they denied.

Now, I'm thinking of emailing them with my latest payslip to request a limit increase. My concern is whether this would result in a hard inquiry on my CIBIL credit score.

 

[Hoozy]

Now a days HDFC is not increasing Limit on their card on the basis of C2C however a few member in our community managed to get job done. First spent a considerable amount on that card at upcoming few month than raise a request on the basis of Slary slip or ITR.

Let see i will give it a try through c2c once my card completes 3 months. My card utilisation is now more than 90%

 

[jack333]

Does rbl increase limit on the basis of other card statement?

 

[2024]

My hdfc infinia limit was 10.13L before splitting (8L for infinia and 2.13L for DCP), I've used hdfc infinia statement to match limit of icici, Bob, kotak, Indus credit

My hdfc infinia limit was 10.13L before splitting (8L for infinia and 2.13L for DCP), I've used hdfc infinia statement to match limit of icici, Bob, kotak, Indus credit cards

Sir, DCB se ICICI Apay ka limit match ka request krna, hai cibil enquiry to nhi hoga, coz ab tak jab b limit enhancement diya hai I ICICI ne cibil enquiry thok dete hai

 

[ontherocks]

Sir, DCB se ICICI Apay ka limit match ka request krna, hai cibil enquiry to nhi hoga, coz ab tak jab b limit enhancement diya hai I ICICI ne cibil enquiry thok dete hai

I have never heard banks making a CIBIL enquiry for limit enhancement

 

[pprakash11]

I have never heard banks making a CIBIL enquiry for limit enhancement

You will know when you will experience it yourself

 

[ontherocks]

You will know when you will experience it yourself

My guess is, the enquiries are for customer initiated limit enhancement requests, not for automatic enhancements from bank's end.

 

[pprakash11]

My guess is, the enquiries are for customer initiated limit enhancement requests, not for automatic enhancements from bank's end.

Obviously

 

[Sevendar@01]

c

which email ID did you try, can you please DM me.

classic banking mail id , cause i have classic savings account at hdfc

 

[ankkitt08]

Who doesn't want to hold premium credit cards with a high credit limit? Sometimes banks ask you to have a certain credit limit on your existing credit card before upgrading your credit card to a higher variant card. For example, HDFC Bank asks you to have a minimum of Rs. 8 lakh limit on your existing credit card before upgrading it to the HDFC Infinia credit card.
There are lots of benefits to having a high credit limit on your credit cards.
- Your card qualifies for an upgrade to a higher variant card.
- You'll have high spending power.
- You can maintain low utilisation ratio.
- Increased chances of approval if you apply for another credit card using that card (card to card method) and many more.

But how does one get limit enhancement?
There are two options to get credit limit enhancement on your credit card.
1. Automatic Limit Enhancement
2. Manual Limit Enhancement

1. Automatic Limit Enhancement:
You don't have to do anything to get an automatic limit enhancement offer from the bank. Just use your credit card regularly and pay your credit card bill on time. That's it. The bank will review your credit card account from time to time (normally every 6 months) and offer you an automatic limit enhancement. You'll get a call/sms/email/app notification from the bank.

2. Manual Limit Enhancement:
There are a few methods you can use to request credit limit enhancement from your bank.

a. Call & Ask:
Remember one thing... If you don't ask for something, you'll not get it. So, call your bank and ask for a limit enhancement. Sometimes customer care officers do provide limit enhancement. You can also email your bank and ask for a limit enhancement.

b. Submit income documents:
you can email your income documents (i.e., salary slip, ITR) to your bank and ask for limit enhancement. The bank will review your income documents and may offer a limit enhancement.

c. Maintaining High NRV:
If you are maintaining a high NRV with your card issuer bank, then ask for an extra limit. Some banks do offer limit enhancement if you maintain a high relationship value with your bank. You can email and request a limit enhancement on the basis of your NRV.

d. Limit Enhancement On The Basis Of Other Bank Credit Cards' Limit:
Yes, a few banks offer credit card limit enhancement on the basis of your other bank credit cards' limit. It's just like a hotel loyalty programme status match.
For example, if you have a 12L limit on your HDFC Bank credit card, you can email your card statement to ICICI Bank and ask for a limit match. Sometimes the bank matches your limit; sometimes they ask for additional proof like an ITR or salary slip. This is not an official way of asking for limit enhancement, but yes, a few banks do offer limit enhancement this way. So you can try your luck.

I have used this method multiple times to match one bank's credit card limit to another bank's card.
Here I'm attaching some screenshots-

My ICICI Bank Credit Card limit -
View attachment 4615

My BOB Card Limit-
View attachment 4616

My IndusInd Bank Card Limit-
View attachment 4617

Credit card limit enhancement depends on many factors, so nothing is guaranteed.
Try your luck.

Worked with my KOTAK.

 

[2024]

My guess is, the enquiries are for customer initiated limit enhancement requests, not for automatic enhancements from bank's end.

Thanks sir

 

[Kaiser]

I used to use my ICICI card regularly and would get automatic LE messages every 6 months, like clockwork. Stopped using it for 6 months, and now they are not ready to increase my limit.

 

[rohant]

So, I am getting limit enhancement on SC CC. They have some terms and conditions, I checked them. Should I be worried about anything before accepting it? It is reflecting on the app

 

[rohant]

So, I am getting limit enhancement on SC CC. They have some terms and conditions, I checked them. Should I be worried about anything before accepting it? It is reflecting on the app

@S S V Could you please help me with this
@VISHESH_BANSAL