How to increase credit limit on RBL Bank credit card?
Kiran Patel
Asked 15 Jun 2026
I have been using my RBL Bank credit card for 6 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
2 Answers
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.
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
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