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Axis Bank Credit Limit

Axis Bank Credit Card Limit

Last Updated 13th Nov 2020

Axis Bank credit card limit is the maximum amount that you can spend with your Axis Bank credit card.

Axis Bank Credit Card Limit Types
  • Total Credit Limit
  • Available Credit Limit
  • Cash Limit
Axis Bank Credit Card Limit Factors
  • Credit Score
  • Income-Debt Ratio
  • Other Credit Cards
Axis Bank Credit Card Limit Check
  • Mobile/Internet Banking
  • Customer Care
  • Visiting Axis Bank
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Axis Bank Credit Card Limit

A Axis Bank credit card offers too many benefits to be ignored. From purchasing expensive gadgets to making our dream trips to fulfilling our basic needs such as shopping online, settling utility bills, Axis Bank credit card is one of the most convenient methods of making payments. To make any transactions against your Axis Bank credit card, you need to have an eligible credit limit for your cards. Axis Bank credit card limit is the maximum amount that you can spend with your Axis Bank card and is dependent on various factors such as income, previous credit cards, repayment capacity etc.

Types of Axis Bank Credit Card Limit

These are 3 types of Axis Bank credit card limit that you can get with your Axis Bank credit card.

Axis Bank Card Total Credit Limit

Axis Bank card total credit limit is the maximum credit amount that you can spend with your Axis Bank credit card. The total credit limit reduces as you make any transactions against your Axis Bank credit card and similarly also gets restored as you make credit card bill payment.

For instance, if the total credit limit against your Axis Bank card is ₹ 1 Lakh, then it means that you can spend up to ₹ 1 Lakh against your Axis Bank credit card.

Axis Bank Card Available Credit Limit

Axis Bank card available credit limit is the credit limit on the specified date. For instance, if the available credit limit against your Axis Bank card is ₹ 1 Lakh, and you have spent ₹ 60,000, then the Axis Bank card available credit limit is ₹ 40,000.

Axis Bank Card Cash Limit

Axis Bank card cash limit is a component of total credit limit that can be withdrawn as cash for emergency use. However, it attracts the applicable Axis Bank Credit Card Cash withdrawal charge and fee.

For instance, if the available credit limit against your Axis Bank card is ₹ 1 Lakh, then the Axis Bank generally provides 20%-40% cash limit, depending on your profile and type of credit card that you have availed.

Factors that Decide Axis Bank Credit Card Limit

Below mentioned are the factors based on which Axis Bank determines your credit card limit:

  • Credit history: The first and foremost factor that Axis Bank evaluates as it receives your credit card application is your credit history. If you have a good credit score, it signifies that you can repay the credit on time and hence you will be provided with a higher credit limit and similarly vice-versa. Borrowers with no credit history also get lower credit limits against their Axis Bank credit cards.
  • Income and Debts: The debt-income ratio is another crucial factor that Axis Bank evaluates before determining the credit limit. The amount of existing debts and how you manage with your income sources helps in deciding the Axis Bank credit limit. The lower your debt-income ratio is, the higher will be your credit limit and similarly vice-versa.
  • Limits on other credit cards: Axis Bank also determines the credit card limit based on other credit cards. For instance, you have a platinum credit for another bank. It is quite apparent that you have a high credit limit as available against regular credit cards.

How to check Axis Bank Credit Card Net Banking Credit Card Limit?

If you want to check your eligibility on Axis Bank credit card, you can log in your Axis Bank net banking account or Axis Bank mobile application and can check the credit card limit on the dashboard. However, if you don’t have a mobile banking or internet banking account, you can also check your Axis Bank credit card limit by calling Axis Bank customer care or either you can visit the nearest Axis Bank .

How to Increase Axis Bank Credit Card Limit?

Once you have checked your eligibility and want to increase credit card limit on your Axis Bank card, you can either avail Axis Bank ‘Limit Enhancement’ feature on your existing card, or else you can upgrade to another Axis Bank credit card through ‘Card Upgrade’ feature. In case, you want to assure your eligibility for the credit limit on your card; you can also provide additional information to Axis Bank. Axis Bank allows for an annual increase in credit limit if you have repaid all your dues on time and have a good credit score.

To increase your credit card limit through any of the features as mentioned earlier, you can apply for the same by the following methods:

  • Apply through Net Banking
  • Call Axis Bank Customer Care
  • Visit Axis Bank nearest branch
  • Axis Bank approaches you

Axis Bank Credit Card Limit Increase via Net Banking

To increase Axis Bank credit card limit via net banking, you need to follow the below-mentioned steps:

  • Login to your Axis Bank net banking account. On the homepage of your credit card, click ‘Credit Card- Card Upgrade with Enhancement’.
  • Choose your Axis Bank card and click on the ‘Continue’ button.
  • If your card is eligible for enhancement, you will find a pop-up message displaying the applicable credit limit.
  • Once you know all the details, you can check about the features of the new credit card if you are eligible for the same and can upgrade your card.
  • Finally, the lender will approve your card and the same will be dispatched to your registered address within 7 to 10 working days.
  • All the rewards, dues and transactions, etc., will finally be transferred to the new card. However, in the case of only limit enhancement, the limit will be extended for the same card.

Axis Bank Credit Card Limit Increase by calling Customer Care

If you don’t have a Axis Bank net banking account, you can also request for Axis Bank credit limit increase by calling Axis Bank customer care on the number mentioned below. The number is available 24*7 including on Sundays and Bank holidays.

Axis Bank Customer Care number is . 1860-419-5555/ 1860-500-5555

FAQs

How can I know my Axis Bank credit card limit?

If you want to check your eligibility on Axis Bank credit card, you can log in your Axis Bank net banking account or Axis Bank mobile application. In case you don’t have a mobile banking/ internet banking account, you can check your Axis Bank credit card limit by calling Axis Bank customer care.

How can I increase my Axis Bank credit card limit?

You can increase your Axis Bank credit card limit by applying for Limit Enhancement/Card Upgrade through the methods mentioned below:

  • Apply through Net Banking
  • Call Axis Bank Customer Care
  • Visit Axis Bank nearest branch
  • Axis Bank approaches you

How is the credit limit calculated?

Axis Bank calculates credit card limit by evaluating your credit history based on your credit score, your debt-income ratio and other credit cards that you have availed.

Can I spend more than the limit?

No, you can only spend up to the total credit card limit of your Axis Bank card. However, Axis Bank may approve your over-the limit transaction if you have a good credit history and repayment track record.


Axis Bank Credit Card News - Nov 2020
  • 2020-10-23 : Axis Bank announced festive benefits
    Axis Bank announced Dil se Open Celebrations that will offer deals and discounts on more than 1 lakh branded products on purchase through Axis Bank credit and debit cards. Further, the bank is also offering some key benefits to customers who are in need of a loan, offering home loans starting at 6.90% as well as car loans at 7.99% and up to 100% road funding.
  • 2020-10-13 : Axis Bank to launch a new ACE Credit card
    Axis Bank collaborates with Google Pay, Visa to launch the ACE Credit card. ACE Credit card is designed for the growing base of customers to participate in the digital economy. Axis Bank stated that customers will earn a 5% reward in the form of cashback on bill payments via Google Pay. Additionally, users also get 4% to 5% cashback.
  • 2019-12-18 : Axis Bank and Indian Oil launch co-branded credit card
    Axis Bank and IOCL has launched a co-branded credit card for cashless payments. This has been done to expand their presence in the fast-developing credit card ecosystem in India. Customers will be able to get benefits such as cashback up to ₹250 on fuel purchases within the initial 30 days of card issuance, 20 times accelerated reward points on fuel spends at IOCL outlets as well as a waiver of fuel surcharge.
  • 2019-12-03 : Axis Bank launches wealth platform for high net worth customers
    On Monday, Axis Bank launched a wealth platform for its high net worth customers, who post an income more than Rs 5 crores. The platform is called Burgundy Private, and is designed exclusively to cater to the needs of the ultra-rich. Customers will be provided with customised solutions along with facilities like, portfolio management, estate planning, real estate advisory and tax advisory. Further, they will be issued with metal card that will club the features of debit, credit and forex cards.
  • 2019-08-28 : Axis Bank launches a digital credit card with FreeCharge
    In a bid to improve its credit card portfolio, Axis Bank launched a digital credit card with FreeCharge. The card is designed keeping in mind the needs of Millenials and thus, allows 50 days of credit period accepted across various online platforms. Further, card users can conveniently transfer the transactions into EMI. The customers can avail this digital card by entering the details in the Freecharge app.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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