How to increase credit limit on American Express credit card?

The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.

Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.

On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.