Axis Bank Credit Card Limit

Your credit utilisation ratio (CUR) reflects the amount of the credit limit you have used on the card. If the CUR is high, then a lot of banks will think you are credit hungry. This will in turn affect your credit score. If you have a low credit utilisation ratio, it will show lenders that you know how to manage your finances. It lets them know that you can repay the amount that you borrow.

Why Should You Increase Your Axis Bank Credit Card Limit

1. In case you have a high credit limit, it can reduce your credit utilisation ratio and this will give you a high credit score.
2. Keep in mind that a high credit limit is always helpful when you have health and financial emergencies.
3. A low credit utilisation ratio and a high credit limit, increases your chances of getting a loan or another credit card.
4. There are many credit cards that offer high credit limit offer more benefits than those that have a lower credit limit.

How to Increase Credit Limit on Axis Bank Credit Card?

Axis bank offers credit limit increase for its existing credit card holders under the 'Credit Limit Enhancement' feature. To become eligible for enhancement the credit card should be more than three months old. It should be active and has no payment delays throughout its history. There should be no limit enhancement/decrease or Instant loan availed on the card in the last six months.

Despite all the eligibility factors, the final credit limit enhancement approval of your credit card is subject to Axis bank's internal policies.

During the bank's periodic review, if your Axis credit card becomes eligible for limit enhancement, you may receive a call or an SMS/e-mail from the bank. If you're fine with all the terms and conditions and would like to avail the offer, you can convey your acceptance on the same call. The phone banking executive will then direct you about how to proceed further with the process.

Typically, once the request has been raised, the bank will take one day to process the same. Once your card is upgraded you will receive a confirmation message on your registered mobile number and e-mail.

Place a Request for Credit Limit Enhancement

If you don't receive any call from the bank, you can raise a request by yourself to avail the offer. For that, as mentioned above, your card should be more than three months old, don't have any late payments, and have not received any limit enhancement in the past six months. If you are sure that you met the above criteria, you can follow any one of the options mentioned below.

1. Internet Banking: If you have Axis bank credit card netbanking account with your existing credit card registered in it, you can simply login to check the eligibility of the card for limit enhancement and apply for the same. Login to your online banking account, click Accounts >My Credit Cards Accounts> Limit Enhancement and Check for Limit increase. If your credit card is eligible, you can select the same and submit the request for limit enhancement. In case, your card is not eligible, you will find a prompt message saying 'Your card is currently not eligible for limit enhancement'.
2. Mobile App: Download Axis bank mobile app. Login with your net banking credentials, click Credit Cards > Check for limit increase. If your card is eligible, the card number will be displayed, selecting which you can raise a request. In case, it's not eligible, you will see a prompt message saying the same.
3. Call/e-mail: You can simply call Axis bank credit card customer care numbers at 1860-419-5555, 1860-500-5555, to check your eligibility as well as to raise a request for limit increase on your credit card. You can mail to them at email.services@axisbank.com requesting to increase the credit limit on your card.If your card is eligible for enhancement, you may have to submit the following documents if you don't have an account with Axis bank. Last two months' salary slips, if salaried, and latest IT returns if self-employed.

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