How to increase credit limit on American Express credit card?
Yashi Dudi
Asked 20 Apr 2026
I have been using my American Express credit card for 12 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
2 Answers
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.
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.
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