Last updated: 17 August 2026
What is Credit Limit?
Maximum amount jo card par spend kar sakte ho. The statement shows both "CREDIT LIMIT" and "AVAILABLE CREDIT LIMIT". India me typical ₹30K-₹10L; USA me $500-$50K.
How to Increase Limit
- Income proof: request a limit increase in the app/net banking. Spend + pay pattern: automatic increases after 6 months of on-time payments. Upgrade: move to a better card (Millennia → Regalia)
Smart Limit Management
Keep utilization (limit vs used) under 30% — for your credit score. Statement ko Excel me convert karke monthly utilization track do. Utilization guide see.
Convert your statement — free!
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Frequently Asked Questions
Q: How is credit card limit decided?
A: Income, credit score, bank relationship — teeno par. 2–3× of income is common.
Q: Can I increase my credit card limit?
A: Yes — request with income proof, or get automatic increases through regular use and on-time payments.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.