How to increase credit limit on SBI Card credit card?
Nayanthara Vemuri
Asked 15 Mar 2026
I have been using my SBI Card 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
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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