Axis Bank Credit Card Credit Limit Increase

Last Updated : March 2, 2024, 11:21 a.m.

Axis Bank card users are always looking out for their credit card credit limit increase, and here’s some good news! As per the bank’s internal risk policy, eligible cardholders are regularly identified for a Pre-approved credit limit increase. If you qualify, you’ll receive a notification on your registered mobile number through SMS, and also via Email. The best part? No extra documents would be required! This hassle-free opportunity makes managing your finances easier than ever. Keep an eye on your messages for this exclusive offer from Axis Bank.

How to Check Eligibility for Axis Bank Credit Card Limit?

To determine your eligibility for a credit limit increase on your card, Axis Bank offers convenient channels for verification.

• SMS “CLE XXXX” (replace XXXX with the last 4 digits of your card number) to 5676782 from your registered mobile number.
• Additionally, you can contact the bank’s phone banking centre by calling our toll-free numbers: 18604195555 or 18605005555.

These accessible channels provide a quick and easy way for cardholders to check if they qualify for a Credit Limit Increase, ensuring a seamless and efficient process for financial empowerment.

Eligibility Criteria for Axis Bank Credit Limit Enhancement

How to Request a Limit Enhancement ?

1. Contact Axis Bank Phone Banking Centre: Call 18604195555 or 18605005555 to speak to customer care.
2. Provide Income Documentation (if required): Based on your employment status, submit the following:
   • Salaried
     • Axis Bank Salary Account Number (if your salary credit to Axis Bank)
     • Last 2 months’ salary slips (if your salary isn’t credit to Axis Bank)
   • Self-Employed
     • Latest financial year ITR with computation of total income (preferably last 2 years)
     • If ITR is manual: ITR, profit & loss statement, and balance sheet (preferably last 2 years)
     • Mask your Aadhaar card number on the ITR certificate

Things to Know Before Applying for a Higher Limit

1. If you own multiple Axis Bank Credit Cards , keep in mind that you share your credit limit across all cards. For instance, if your overall limit is INR 1,00,000 and you hold two cards, each card will have an individual limit of INR 1,00,000.
2. Suppose you spend INR 90,000 on Card A, leaving INR 10,000 available credit. Regardless of Card B having no transactions, the shared limit remains at INR 10,000 for either card. The total customer limit is not separate for each card but is same across all.
3. If you have one Axis Bank Credit Card and apply for another, the same limit as applicable on the first card will be on the second one. However, if you consent to a higher limit during the second card, the revised limit will apply to all cards.
4. Axis Bank reserves the right to review and adjust (either increase or decrease) the credit limits on your card(s) periodically. As part of this review, you may receive limit enhancement offers with a specific validity period. If you accept such offers, the limit applies to all your Axis Bank Credit Cards.
5. Any credit limit increase is contingent on explicit customer consent. If you agree to the enhancement offer, it will processed across all your credit cards held by the bank. It’s important to note that the credit limit increase is subject to real-time checks and processes within 3 working days from the date of the request.

Understanding these terms and conditions ensures transparency and clarity regarding how credit limits are across multiple Axis Bank Credit Cards. Keeping these guidelines in mind will help you make informed decisions and effectively manage your credit across various cards issued by Axis Bank.