Fun part HDFC has given my sis a limit of 10 lakhs with far fewer cards, lower credit score and earning half of my salary. She holds a FYF Regalia Gold, Paytm, Tata neu infinity LTF. I hold a DCB LTF, Tata Neu Infinity LTF and HDFC Swiggy with a shared limit of 7.2 lakhs. (Such a gross injustice) PS: We both have our salary accounts in HDFC, she holds a classic while I have a preferred account. Yet I could never solve for this puzzle why her HDFC cc limit is higher than mine, I am a much heavier user too.