How I Got My Axis Atlas Credit Card Limit increased from ₹1.4L to ₹ 6L, No Documents, No Hassle

General
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I had obtained the Axis Atlas Credit Card back in March. I received it with a credit limit of ₹ 1.4 L, which didn’t impress me at first. I had the Flipkart Axis card prior to this, too, with a humble limit, and it had served for normal use.

But with recent travel and a change in my spending habits, I needed some extra room. So I set out to find out if I could raise the limit and here’s how I did it exactly.

What I Did to Get My Credit Limit Increased

I just sent an email to my Relationship Manager at Axis Bank, requesting if I could increase the limit on my Atlas card.

The next day, I received a call. The rep inquired about how much I wanted. I mentioned ₹6,00,000, no harm in hoping for the best, I thought.

To my surprise, they told me they’d raise a backend request no paperwork, proof of income, or salary slips were requested.

Four days later, I looked at my Axis app and discovered that my credit limit had increased from ₹1.4L to ₹6L. Poof.

Why I Think It Worked

A few things might have done me a favour:

I have my Axis salary account, which probably made it easier for the team to evaluate my eligibility.

My take-home salary every month is approximately ₹ 2.2 lakh, and I’ve been regular with my spending and repayment.

I didn’t wait for them to offer, I simply asked.

It was refreshingly uncomplicated.

My Current Credit Card Limits

With the Axis Atlas card now updated, my credit card roster stands as follows:

Amazon ICICI Card: ₹6,00,000

HDFC Tata Neu Infinity Card: ₹1,80,000

Scapia Card: ₹3,60,000

IndusInd EazyDiner: ₹5,00,000

Axis Atlas (after hike): ₹6,00,000

I also have SBI and ICICI Amazon cards, and in my experience, they automatically hike limits over time, usually without asking for it. But with Axis (and certainly HDFC), it always seemed like you needed to go through hoops or just wait forever.

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That’s a solid win and a good reminder that sometimes all it takes is asking.

You got your Axis Atlas credit limit bumped from ₹1.4L to ₹6L without any documents, just by emailing your Relationship Manager. No income proof, no forms, and the whole thing was done in about four days. Having your salary account with Axis and a good repayment record clearly helped, but the key move was simply reaching out instead of waiting for an offer.

It’s a good strategy for anyone with consistent spends and clean repayment history. If you’ve been with the bank for a while, have a decent income, and use your card actively, just asking might get you that upgrade without the usual hassle.

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Does increasing my Axis Atlas Credit Card limit affect my credit score?

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Dude, so increasing your Axis Atlas limit can totally mess with your credit score, but whether it saves your ass or completely screws you over really just depends on whether you can actually handle having more credit without going absolutely nuts with it. Let me break this shit down like we’re just chilling and talking:

The Actually Good News: Your Credit Utilization Gets Way Better: Credit utilization is like 30-40% of your entire credit score. If you bump your limit from ₹1.4 lakh to ₹6 lakh but keep spending the same ₹50,000 monthly, your utilization drops from a kinda scary 35.7% down to just 8.3%. Getting below 30% makes CIBIL and Experian absolutely fall in love with you.

Don’t Even Stress About Actually Asking: When you bug Axis for a limit increase (via email or their app), they usually just do a soft inquiry that won’t hurt your score at all. It’s not like applying for a brand new card where they do a hard inquiry that can knock off 5-10 points and make you wanna cry.

Axis Atlas Credit Card
Axis Atlas Credit Card1346×632 85.6 KB

But Here’s Where People Totally Screw Up: The Spending Trap: That shiny new ₹6 lakh limit can be super freaking tempting. If you max it out or carry a huge balance like ₹4 lakh, your utilization shoots up to 66.7% and absolutely destroys your score. Keep spending exactly the same and pay everything off monthly like a responsible human being.

Other Credit Score Stuff You Gotta Watch: Payment History (35%): Always, always pay on time. Missing payments after a limit increase is like shooting yourself in the foot while trying to run a marathon. Credit Age (15%): Zero impact since your account age doesn’t magically change. Credit Mix (10%): Won’t change unless you go totally crazy opening new accounts everywhere. New Credit (10%): No impact since it’s not actually a brand new account.

When This Might Completely Backfire on You: If your score is already pretty rough (below 700) from late payments or you’re drowning in debt, a limit increase won’t magically fix your financial mess. Plus Axis might just laugh and say hell no if your score or income doesn’t actually support it.

Pro Tips to Actually Make This Work for You: Keep spending exactly the same after the increase and pay your full bill every single month without fail. Check your score on CIBIL or Paisabazaar before and after (takes like 30-60 days to actually show up). Contact Axis at 1800 419 0065 and definitely mention your salary or your history with other Axis accounts to make your case way stronger.

Bottom line: increasing your Axis Atlas limit can seriously boost your credit score by bringing down your utilization, but only if you don’t go absolutely crazy with the extra spending and keep paying everything on time like clockwork. It’s honestly a pretty smart move if you’ve actually got the self-control to not treat it like it’s free money falling from the sky!