Can I have two credit cards from the same bank?
Amyra Saxena
Asked 7 Jun 2026
20
I already have a American Express credit card. Can I apply for another card from the same bank? Will it affect my credit score?
2 Answers
Accepted
18
Nivedita Malakar·4 May 2026
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
17
Ashish Choudhary·20 May 2026
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
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