How to increase your SBI credit card limit in 2025? Here are 2 key ways | Mint

In this dynamic financial landscape, need for emergency funds could occur at any time. There are various ways to fund such requirements. One such way is a credit card. However, every credit card has a credit limit beyond which you cannot use your card to make transactions. If you are somebody who is planning a big purchase, covering unexpected expenses, or simply looking to build your credit, having a high credit limit becomes very crucial.

All credit cards have a credit limit beyond which you cannot use a card to incur expenses.

The credit limit on SBI cards varies from card to card and can depend on various factors. Check out how you can increase the credit limit on your SBI credit card.

What does an increased credit limit mean?

An increased credit limit means you can make more expenses with your credit card; however, it is essential to use your credit card responsibly to avoid debt.

There are two ways to increase the credit limit on SBI credit cards:

Pre-approved credit limit offer

The bank identifies credit cardholders who are eligible for pre-approved credit limit enhancement on the basis of internal risk policy. Such cardholders will be informed by the bank through an SMS or e-mail. 

The offer can also be found in their monthly statement and online account. Cardholders will not be required to provide any documents to increase their credit limit through a pre-approved offer.

You can increase the credit limit on your SBI credit card by requesting it from the bank. Call the SBI helpline numbers and request to increase the credit card. The bank will inform you about your eligibility to get a credit limit increase. If you are eligible, SBI will process your application on the basis of income documents.

Income documents required to increase credit limit

• Last two month’s salary slips
• Form 16
• Income tax returns IV

You will be required to submit soft copies of the income documents using this link. Alternatively, you can send it through post to the Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002.

Your request will be processed on the basis of the bank’s internal policy.

Note: Using a credit card carries its own set of risks