How to increase credit limit on SBI Card credit card?
Maya Pereira
Asked 11 Jun 2026
I have been using my SBI Card 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
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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