How to increase credit limit on ICICI Bank credit card?
Sakshi Deshpande
Asked 21 Feb 2026
I have been using my ICICI Bank credit card for 24 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
2 Answers
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
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