How to Increase Credit Card Limit in Axis Bank?

With a higher credit card limit, you will enjoy increased purchase power, and it will help you keep your credit utilization low. However, in most cases, banks like Axis Bank do not upgrade your credit limit. Even if they do, it happens once a year or semi-annually. So, how to increase credit card limit in Axis Bank?

In this article, I will explain how to check if there are any offers regarding credit limits available for you and how to apply for them.

So here we go:

How to Increase Credit Card Limit in Axis Bank?

Axis Bank offers two ways to check and apply for a credit card limit increase. You can check your eligibility or other offers via the Axis Mobile app or internet banking.

Axis Mobile App

You can increase your credit limit using the Axis Bank mobile app if you already use phone banking. If you are not using it yet, you can download and sign up for it.

  • First, log in to your Axis Mobile app.
  • Go to Credit Cards and select your card.

axis bank app credit cards

  • Tap on Total Controls > Check for Limit increase.

axis bank check credit card limit increase

  • Over here, you can apply to increase your credit limit. If you are eligible, your credit limit will be increased. Otherwise, you will get a prompt saying you are not eligible yet.

Internet Banking

Internet banking is another method to check for any credit card limit increase offers. For this, follow these steps:

  • First, log in to Axis Bank Internet banking.

login to axis bank net banking

  • Go to My Credit Cards.
  • Click on Limit Enhancement > Check for a limit increase.

increase credit card limit in axis bank

  • Request a credit card limit increase, and you will soon receive a prompt approval or disapproval of your request.

How to Increase Credit Card Limit in Axis Bank Without Any Pre-Approved Offer?

You are less likely to be pre-approved for a credit limit increase in most cases. To enhance your credit card limit, contact customer support through mail, call, or X (formerly Twitter).

Out of all these channels, I personally prefer Email, as it allows you to share your details in a well-structured manner.

Email:

First, find the customer support email on the Axis Bank website. Then use the following template to send them an email (Don’t forget to attach your Income Tax Report (ITR) so they can verify your earnings):

Subject: Request for Credit Card Limit Increase – [Your Card Number]

Dear Axis Bank Support,

I hope this Email finds you well.

I am writing to request an increase in the credit limit for my Axis Bank credit card with the following details:

Card Number: [Your Card Number]

Name: [Your Name]

Attached: Income Tax Return (ITR) for your reference.

Thank you for your prompt attention to this matter. I look forward to your positive response.

Best regards,

[Your Name]

Call:

You can call Axis Bank customer support and, through the IVR, connect to credit card support. After that, tell them you want to increase your credit limit and see what they say.

X:

You can also request the same on Twitter or X. Send them a Twitter DM saying that you would like to request an increase in the credit limit for your Axis Bank credit card. Along with that, share your card number and see what their response is.

Also, read this guide about Axis Bank credit card over limit consent: What does it mean?

Conclusion

Those were a few quick ways to increase your Axis Bank credit card limit. However, whether the bank will approve or disapprove your request depends on many factors, such as your credit history, annual income, age, and other details.

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