SBI Credit Card Limit Transfer

[Master Chief 117]

I have two SBI cards: SimplyClick (SC), which is 13 months old, and Cashback (CB), with a 38K limit, about 10 months old. Recently, I was able to increase SC's limit from 62K to 111K using the Credit Limit Increase option.

I’m considering transferring 32K from SC to CB, but I have a few concerns:

• I’ve heard that SBI may reduce card’s limit during periodic reviews, even if part of the limit was transferred from another card. If this happens, what happens to the 32K I transferred? Does it lapse or get transferred back to SC?
• Currently, the 38K limit on CB is sufficient for my monthly spending, as I also use Axis Airtel and Amazon Pay cards, but I’d like to increase it slightly for occasions when there’s no instant discount and need to use CB for Cashback

As I haven’t used SimplyClick much over the past year, I’m thinking of transferring some of its limit to CB before SBI potentially reduces SC’s limit due to low usage.

Please share your experience and suggest what to do

 

[tachniki]

If I would have been you, I will transfer limit and keep them approximately same on both card. CL reduction is not that frequent.