I’ve been using my SBI credit card for a while now, but I feel like my credit limit is too low. I want to increase it so I can make bigger purchases without maxing out my card. How does SBI decide credit limit increases, and what’s the best way to get one?
SBI usually increases your credit limit automatically if you have a good payment history and regular usage. If you’ve been using your card for at least 6–12 months, paying bills on time, and not maxing out your limit every month, you might get a pre-approved limit increase offer via SMS or email. This is the easiest way because you just have to accept the offer, and the new limit gets applied instantly.
If you haven’t received an offer, you can request a limit increase manually. Go to the SBI Card website or mobile app, find the “Credit Limit Increase” option, and apply. They might ask for income proof like salary slips, bank statements, or ITRs to process the request. If your income has increased recently, showing proof can help get a higher limit approved.
Another trick is to use your card actively but responsibly—make frequent transactions, keep your credit utilization below 30%, and pay bills on time. I personally got my SBI card limit increased after 6 months of regular usage, and I didn’t even have to submit any documents. If your card is old and you’re still stuck with a low limit, it might be worth upgrading to a higher-tier SBI card like Elite or Prime for a better limit.
To increase your SBI Credit Card credit limit, you can do the following:
- Look for a Pre-Approved Offer
This route is usually the best and most convenient. SBI Card every now and then sends pre-approved credit limit upgrade offers to qualified card members. To check if you are eligible:
Online: Log in to your SBI Card account and go to the ‘Offers’ or ‘Benefits’ page. If there is an offer, you can approve it right away without furnishing any more documents.
Chatbot ILA: Visit the Chatbot ILA on the SBI Card website, request a credit limit increase, and proceed with the guided steps.
SMS: Send an SMS with the message INCR XXXX (substitute XXXX with the last four digits of your card number) to 5676791 using your registered mobile number.
Customer Care: Dial the SBI Card helpline at 1860 180 1290 or 39 02 02 02 (pre-fixed with your local STD code) to find out if you are eligible.
- Ask for a Limit Boost with Income Documentation
In case you don’t have a pre-approved offer or want to apply for a higher limit:
Contact Customer Care: Call the helpline numbers to find out your eligibility for an increase in the credit limit as per your income.
Submit Income Documents: Submit the required income proof, including:
Salaried Individuals: Two most recent salary slips with the account number prominently displayed.
Self-Employed Individuals: Recent Income Tax Return (ITR) and three months’ bank statements.
Submission Methods:
Email: Email scanned copies of your documents to SBI Credit Card Customer Care - Helpline Numbers, Contact Address | SBI Card.
Post: Post copies to:
Correspondence Department
SBI Cards & Payment Services Ltd.
DLF Infinity Towers, Tower C, 10-12 Floor,
Block 2, Building 3, DLF Cyber City,
Gurgaon – 122002, Haryana, India.
Once SBI Card receives and reads your papers, your request will be processed according to their company policies.
- Temporary Credit Limit Increase
In case of short-term requirements, like travel or big purchases, SBI Card can provide a temporary increase in credit limit. To avail of it:
Call Customer Care: Make use of the helpline numbers given to ask for a temporary increase. The approval lies with SBI.
For more information or queries, you may contact SBI Card Customer Care through the above-mentioned methods.
To raise your SBI credit card limit, follow these steps:
1. pre-approved increase in the limit
Log into (https://www.sbicard.com)
Click on “Offers” and then “Credit Limit Increase”
Go to “Manage Card” > “Credit Limit Increase”
2. Manual Request for Credit Limit Increase
Request an increase by calling the SBI Card helpdesk (1860 180 1290).
A request should be sent to **[email protected].
Come to the closest SBI branch with the necessary paperwork.
3. Necessary Records
current pay stubs for salaried personnel over the previous two to three months.
Current self-employed people’ ITR/Form 16.
Current bank statements (that display income or salary credit).
THE WAY TO IMPROVE IT
- On-time bill payments;
- A high credit score (700+ suggested).
- There have been no recent late payments or defaults.
- Better financial condition or more income.
my SBI Credit Card limit got increased automatically
i got an email from SBI which offered limit increase and i went for it
1 Like