Sbi is best in Limit Enhancement 😍

[alok416]

We know that different bank offers Credit limit enhancement on their specific period / criteria...

But my personal experience is SBI is best among all...

Sharing all banks experiences -

1. Icici card (1.5 years old ) - NO LE till now

2. SBI ( 10 months old ) 2 LE...86k to 1.46L...Recieved 2 LE....Got card in October 2022... Got 1st LE on 27th April and 2nd today...

3. HDFC ( Used 7 months) NO LE and Credit card upgrade offered and accepted on Card to card basis...Still they didn't agreed.. So closed all of them...

4. One card - (9 months ) No LE

5. AU - ( 4 months while being used)

6. Axis ( 6 months old) no LE

7. RBL ( 15 days old )

 

[j_s]

American express hands down wins. You have to experience it to believe. All you need to do is call them and ask for an LE and they provide on the spot. No docs. Just chit-chat.

 

[srichaitanya]

ICICI is also very good with LE.

 

[Strange]

2. SBI ( 10 months old ) 2 LE...86k to 1.46L...Recieved 2 LE....Got card in October 2022... Got 1st LE on 27th April and 2nd today...

Which SBI card?
What is your utilisation ratio?

 

[BUDHRAJ]

for me sbi never gave any LE
till date 5-6 sbi cards (currently 3 active)
"card LTF kar diya but LE nhi dai"

icici is best for LE ( not freq but for amount)
instead of giving 10-20% LE like other banks, icici gave LE like 100-400%

 

[D7162]

All depends upon case to case. For me - HDFC was fast initially, then stopped, then ICICI went ahead, and RBL was super quick - SBI - never received LE, Indusind - not received from last couple of years, One card and AU - never received

 

[Saif77]

ICICI is also very good with LE.

ICICI was very good for me. Started with 40k. 6 months later 2.6L , another 6 months later 4.6L.

Now its 1.5 yrs old. Hope to get another LE😂

 

[Saif77]

ICICI was very good for me. Started with 40k. 6 months later 2.6L , another 6 months later 4.6L.

Now its 1.5 yrs old. Hope to get another LE😂

Without any documents. Got the card pre-approved

 

[BVCBVC is verified member.]

American express hands down wins. You have to experience it to believe. All you need to do is call them and ask for an LE and they provide on the spot. No docs. Just chit-chat.

What was your age of the card by the time you requested them??

 

[shashank08]

For me Icici LE is too generous.. started with 85K then some 2.5L to 7L to 9L within 3 years...

Amex LE procedure is very smooth..

 

[Md Kaif]

ICICI was very good for me. Started with 40k. 6 months later 2.6L , another 6 months later 4.6L.

Now its 1.5 yrs old. Hope to get another LE😂

What was your spending pattern ? Ur utilisation?

 

[j_s]

What was your age of the card by the time you requested them??

Probably around 2 years or so. Memory escapes me to be precise. it was several years ago. It was about 7-8 odd lakhs back then and they increased it to well above 10L.

 

[Akash Topder]

Best is definitely ICICI in terms of amount

 

[Bhaskar]

I also have similar experience. Sbi irctc gave 67k to 1lakh 9 month old card. ICICI gave only 20k le from 50k to 70k in 1.5years. Axis doubled the limit from 60k to 1.2lakh within 7-8 months.

 

[alok416]

American express hands down wins. You have to experience it to believe. All you need to do is call them and ask for an LE and they provide on the spot. No docs. Just chit-chat.

Sure bro will try

 

[alok416]

ICICI is also very good with LE.

Mujhe to 1.5 year me ek bar nahi di...sirf 1.10 L ki limit di fir bhool gye

 

[alok416]

Which SBI card?
What is your utilisation ratio?

Simply save...

I hold it for 10% wala discount sepcially...

Utilisation ratio - under 10%

 

[alok416]

for me sbi never gave any LE
till date 5-6 sbi cards (currently 3 active)
"card LTF kar diya but LE nhi dai"

icici is best for LE ( not freq but for amount)
instead of giving 10-20% LE like other banks, icici gave LE like 100-400%

Yaha ulta ho rha h 👀

Sbi deta h

Icici nhi

 

[CardSeeker]

For me ICICI

Starting With 70k - After 6months to 1lakh

Next after 1 year to 5lakhs

This year I am waiting for LE Lets see how much they will give

 

[alok416]

All depends upon case to case. For me - HDFC was fast initially, then stopped, then ICICI went ahead, and RBL was super quick - SBI - never received LE, Indusind - not received from last couple of years, One card and AU - never received

Correct... It varies from person to person