Increase Credit Card Limit

A. You can avail Credit Limit Increase (CLI) on your SBI Credit Card in following ways:

• Pre-Approved Credit Limit Offer (Zero Document)
  • SBI Card regularly identifies select Cardholders for a Pre-Approved Credit Limit Increase offer basis internal credit policy.
  • Eligible Cardholders will receive an increased limit Offer on their Registered Mobile Number via SMS / E-mail / WhatsApp and same will appear in Mobile App / Website post login.
  • Eligible Cardholders can avail this Offer without any additional documentation.

How can I avail Credit Limit Increase for Pre-Approved Offer?

To get the Credit Limit Increase on your card, follow the below-mentioned steps:

Website:

• Log in to sbicard.com and go to ‘Benefits’ tab
• Check for any Credit Limit Increase Offer on your account and avail the Offer

Mobile App:

• Log in to SBI Card Mobile App and go to ‘Benefits’ section
• Check for any Credit Limit Increase Offer on your account & avail the Offer

Chatbot ILA:

Login to Chatbot ILA, ask a query regarding Credit Limit Increase and follow the on-screen instructions.

PULL SMS:

• SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your Registered Mobile Number

WhatsApp:

• Type keyword ‘Credit Limit Increase’ on WhatsApp to check your eligibility

Helpline:

• Call us on Helpline Number

B. Credit Limit Increase with Income documentation

• In case Pre-Approved Credit Limit Increase Offer is not appearing on your Mobile App / Website post login and you wish to increase limit, you can raise a request for Credit Limit Increase and share the Account Aggregator Consent of your most used bank account, through SBI Card App or Website, for evaluation.

You can also share the income documents below for evaluation of your request:

Salaried Individuals

Last 2 months salary slips with account number clearly visible

Self Employed

Latest Income Tax (IT) Return and 3 months bank statement

Soft copies of the aforementioned documents can be submitted to us at https://sbicard.com/email

You can also 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 income documents, the request for Credit Limit Increase will be fulfilled in accordance with the internal Risk Policy.

C. Temporary Credit Limit Increase (CLI)

• Basis internal Credit Policy, select Retail Credit Cardholders can avail Temporary Credit Limit Increase for a specific duration.
• This facility of Temporary Credit Limit Increase gets triggered for select Cardholders on specific transaction decline scenarios. In such cases, you will receive a temporary limit increase offer via SMS / WhatsApp. To avail the Offer, OTP-based consent will have to be shared.
• The requested limit will be valid for only specific time duration and will be restored to original limit post expiry
• Please make payment towards your card account accordingly to avoid additional charges. For details, please refer to Most Important Terms & Conditions at https://sbicard.com/MITC