Manage your account on the go with the SBI Card Mobile App


Credit Card Limit

  • Q1. What are Total credit limit & Available credit limits?

  • Total Credit Limit: It is the maximum credit limit you can avail on you credit card.

    Available Credit Limit : It is the credit amount available for purchases as on date.

    SMS AVAIL XXXX (XXXX = Last four digits of your SBI Card) from registered mobile number)

  • Q2. How can I get my credit limit increased?

  • You can get your credit limit increased by 2 methods:

    Pre-approved Credit Limit Offer ( Zero document approval )

    • SBI Card regularly identifies select cardholders for a ‘Pre-Approved Credit Limit Increase’ offer, basis internal policy.
    • Eligible cardholders will receive an increased limit offer on their registered mobile number via SMS, or via Email, Monthly Statement and in the Post Login Section.
    • Eligible cardholders can avail this offer without any additional documentation requirement.

    Credit Limit Increase with Income documentation

    • In case you wish to increase your limit beyond the eligible limit offered by SBI Card.
    • Email: Please write to us at and get a revert from us within 2 working days.
    • Call us: Call us on SBI Card helpline number at 39 02 02 02 (prefix STD code) or 1860 180 1290 and check with our customer care executive regarding your eligibility for a credit limit increase, basis income documents.

    The following income documents are accepted.

    • Form 16
    • ITR VI
    • Last 2 months salary slip
    • 2 month bank statement

    Soft copies of the aforementioned documents can be submitted to us at

    You can physically mail your relevant income documents to: Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002

    Post receipt and review of the income documents, the request for credit limit increase will be fulfilled in accordance with the internal Risk Policy.

  • Q3. How do I check if I am eligible for Pre-approved Credit increase offer?

  • Though all eligible customers are informed via SMS, alternatively you can also check your eligibility for Pre approved credit increase offer.

    • Login to and click on ‘Offers’ or ‘Benefits’ tab on left hand side. Check for any credit limit increase offer on your account & click on the ‘Submit’ button.
    • In case you are eligible, then send SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number, or write to us at
    • Alternatively, call us on the helpline number at 39 02 02 02 (prefix local STD code) or 1860 180 1290.

  • Q4. What is Cash limit?

  • • Cash Limit is the amount included in the credit limit assigned to your card account that can be withdrawn as cash.
    • Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.