How to increase credit limit on SBI Card credit card?
Neena Gopalan
Asked 5 Mar 2026
I have been using my SBI Card credit card for 18 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
2 Answers
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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