Last updated: 21 August 2026
What Is It?
Spending beyond your limit → the bank allows it (with consent) but charges a fee.
RBI Rules
Sirf explicit consent par overlimit allowed. Fee ₹50-₹500 ya 2.5% of excess + GST.
Avoid
- Utilization <40%
- Closing se pehle payment
- Limit increase request
- Overlimit consent disable
Frequently Asked Questions
Q: Overlimit fee India?
A: ₹50-₹500 or 2.5% of excess + GST.
Q: Can I spend above limit?
A: Sirf consent par. Disable karwa sakte ho.
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