Your credit score plays a major role in credit limit decisions. A score of 750 or above is generally seen as strong by banks.
Pay Your Credit Card Bills on Time
Regular and full payments show that you manage credit responsibly. Late or partial payments reduce the chances of a limit increase.
- - Pay the full bill amount every month
- - Enable auto-debit to avoid missing due dates
Request a Credit Limit Increase from the Bank
You can request a limit increase through your bank’s mobile app, internet banking, or customer support.
Documents that may be required:
- - Salary slips or income proof
- - Recent bank statements
- - Income tax returns (if required)
If your income has increased or your job is stable, mention it while making the request.
Share Updated Income Details
Banks are more likely to approve higher limits when your income increases.
- - Salary hike or new job with higher pay
- - Additional income sources
- - Updated income documents shared with the bank
Build a Longer Credit History
Using your credit card responsibly over time improves trust with the bank.
- - Regular card usage
- - Low credit utilisation
- - Fewer unnecessary credit enquiries
Use Your Credit Card Actively
Banks prefer increasing limits for users who actively use their cards.
- - Use the card for regular expenses like bills and shopping
- - Avoid keeping the card unused for long periods
- - Always clear dues on time
Check for Automatic Credit Limit Increases
Many banks offer automatic credit limit increases to users with good repayment history.
- - No separate request required
- - Usually offered after consistent usage
- - Check notifications from your bank regularly
Consider Upgrading to a Higher-Tier Card
Premium credit cards usually come with higher limits.
- - Better rewards and benefits
- - Higher spending limits
- - Improved chances of future limit increases
Reduce Existing Debt
High outstanding balances reduce your chances of a limit increase.
- - Pay down existing credit card dues
- - Avoid carrying forward large balances
- - Keep debt-to-income ratio under control
Keep Credit Utilisation Low
Credit utilisation is the percentage of your total limit that you use.
- - Try to stay below 30%
- - Split spends across cards if needed
- - Make multiple payments within a billing cycle
Using a Higher Credit Limit Responsibly
A higher credit limit is useful only when managed carefully. It helps improve credit health and gives flexibility, but overspending can reverse these benefits.
Tracking spends, limits, due dates and managing multiple credit cards becomes more important as your limits grow.
You can optimise your credit card rewards and loyalty programs in a simple and clear way with a smart credit card manager app like SaveSage. With the SaveSage app, you can keep track of your credit cards, reward points, and offers in one place, while the built-in AI assistant, known as Savvy, and regular updates help you stay informed and make better decisions on credit card usage.