A higher credit limit gives you more flexibility, improves your credit utilization ratio, and can boost your credit score. If you have an Axis Bank Credit Card, here’s how you can request a limit increase.
Eligibility Criteria for a Credit Limit Increase
- Your credit card must be active for at least 3 months
- No history of missed payments
- No recent limit changes or instant loan taken in the last 6 months
- PAN details must be updated for the card
Documents Required
- Axis Salary Account Holders – No additional documents required
- Non-Salary Account Holders – Last 2 months’ salary slips
- Self-Employed Individuals – Latest ITRs for the last 2 financial years
- Ensure Aadhaar number is masked in the submitted ITR
Steps to Increase Axis Bank Credit Card Limit
Using Axis Mobile App
- Log in to the Axis Mobile App
- Go to Credit Card → Total Controls
- Check for the Limit Increase option
- If eligible, place a request
Using Axis Internet Banking
- Log in to Axis Bank Internet Banking
- Go to Accounts → My Credit Cards
- Click Limit Enhancement
- If eligible, submit a request
Things to Keep in Mind Before Increasing Your Credit Limit
- Credit Utilization Ratio – A higher limit improves your score if used wisely
- Use Responsibly – Avoid overspending & high utilization
- Larger Purchases – Enables bigger transactions without exceeding limits
- Emergency Backup – Can be useful in unexpected financial situations
A higher credit limit comes with responsibility! Use it wisely to maximize your benefits without falling into debt.