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SBI Credit Card Limit defines the amount that you can spend on your credit card at a given point of time. There are three types of limits on your credit card- Total Credit Limit, Available Credit Limit and Cash Limit. Read on to know more about these. Also, find out how to increase SBI Credit Card Limit.
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When you get your SBI Credit Card, you can see three types of credit limits mentioned on your Credit Card Welcome Document- Total Limit, Available Limit and Cash Limit.
This is the maximum amount that you can spend on your credit card. Every time you make a purchase, the limit will be deducted by the amount of purchase and it will be replenished as and when you pay your bills.
This is the amount that is available to you for usage at a given point of time. For example, if the total credit limit on your SBI Card is Rs. 1 Lakh and you make a purchase of Rs. 20,000, then the available credit limit after the purchase will be Rs. 80,000.
SBI Card also allows you to withdraw cash using your credit card. However, you can only withdraw an amount up to your cash limit. Usually, cash limit is 10% of the total credit limit.
| Our Advice
Credit card cash withdrawal is one of the costliest forms of borrowing as it attracts interest charges from the day of withdrawal until the sum is paid off in full. With SBI credit card interest rates going as high as 40.2% p.a., cash withdrawals will add to your bills significantly. Hence, it is not recommended to withdraw cash from your credit card; you should only see it as the last resort. |
Suggested Read: Common Credit Card Fees and Charges You Must Be Aware Of
If you are using SBI Credit Card Internet Banking, you can log in to your account and check your credit limit easily. You can also do the same via SBI Card Mobile App. In both these methods, the credit limit is shown on your dashboard.
To know your available credit limit, send SMS in a predefined format to the below-mentioned number. Send- AVAIL XXXX to 5676791.
XXXX stands for the last 4 digits of your SBI Credit Card number. The SMS must be sent from the mobile number registered with the bank.
You may also know the credit card limit through your SBI credit card statement. The statement is shared with you via Email & SMS.
Know what Your Credit Card Statement contains. Click Here.
SBI Credit Card Limit Increase is offered in two ways- 1) Pre-approved Limit Increase Offer, and 2) Requesting Limit Increase with Income Documentation.
Ways to apply for Pre-Approved Credit Limit Offer |
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| SBI Website | Login to sbicard.com and then click on “Offers or Benefits” option Check for any Credit Limit Increase offer on your account and click on the ‘Submit’ option |
| Chatbot ILA | Login to Chatbot ILA, ask for Credit Limit Increase and follow the said instructions |
| SMS | SMS ‘INCR XXXX’ (XXXX= last 4 digits of your card number) to 5676791 from your registered mobile number |
| SBI Card Helpline Number | Call on 1860 180 1290 or 39 02 02 02 (prefix STD code) |
Your credit limit can be increased by submitting all the income-related documents to the bank. If you wish to increase your credit limit, you can do so by opting for any of the below-mentioned ways-
Ways to apply for Credit Limit Increase with Income Documentation |
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| Write your request at sbicard.com/email and get a revert from within 2 working days | |
| SBI Card Helpline Number | Call on 1860 180 1290 or 39 02 02 02 (prefix STD code) |
Note- Soft copies of the above-mentioned documents can be submitted at sbicard.com/email. Also, you can send them via post at Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002
After receipt and review of the income documents submitted by you, the request for credit limit increase will be approved in accordance with the bank’s internal policy.
Alternatively, you can Increase your Credit Limit by getting another Credit Card.
How can I check whether I have a pre-approved credit limit increase offer?
All eligible customers are informed via SMS, Email and on Monthly Statements. You will also get an offer pop-up on logging into your SBI Card Net Banking or SBI Card Mobile App. If you did not get any such communication, you can check for pre-approved offers through these methods:
I got a call about limit increase on my SBI Card. Should I share my details?
No. SBI Card never calls the customers about credit limit increase or asks for credit card details. Such calls could be fraudulent ones and you should never share any of your information over phone.
I opted for limit increase from the pre-approved offers but my limit has not increased. Why?
Please note that it takes up to 5 days for SBI Card to process a credit limit increase request. If your limit is not increased post 5 days, you should speak with SBI credit card customer support.
How is SBI Credit Card limit determined?
SBI Card determines the credit card limit based on various factors like the Income of the applicant, age, liabilities, etc. Based on the evaluation of these entire factors SBI credit card limit is set.
Is it recommended to increase my credit limit?
Yes. An increased credit limit will lower your credit utilization ratio which, in turn, improves your credit score. However, this is only possible if you do not exhaust the increased credit limit all at once.
