Verified 5 Aug
Uday Setty
Asked 25 May 2026
I just got SBI Card PRIME with a starting limit of ₹2,00,000. After how many months of usage can I request an increase, and how much can I expect?
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
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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