ICICI Credit Card Limit: How to Check & Increase It (2026)

1. Via iMobile App:
   1. Login to iMobile Pay.
   2. Go to Cards & Forex > Select your Credit Card.
   3. Click on Manage Limit.
   4. If eligible, you will see a 'Limit Increase' offer. Move the slider to your desired limit and confirm.
2. Via SMS: Look for an SMS from ICICI Bank (usually sent as CRDLIM). Reply to the SMS as instructed (e.g., CRDLIM <Last 4 digits>) to activate it instantly.

Method 2: Manual Request (Income Based)

If you don't have a pre-approved offer but your salary has increased, you can request a higher limit.

• Call Customer Care: Dial the ICICI Helpline and request a limit enhancement.
• Submit Documents: You may be asked to email or upload your latest Salary Slips (3 months) or ITR.
• Verification: The bank will review your documents and approve the new limit within 7 working days.

How is Your ICICI Bank Credit Limit Determined?

The bank determines the credit limit of your credit card when send in the application to get a card. The limit is fixed after looking into these factors:

1. Your credit history
2. Income
3. Your liabilities
4. Your age
5. Your credit score

Managing Your Limit & Credit Score

Difference Between Total Credit Limit and Available Credit Limit

The accessible credit limit, as opposed to the overall credit limit, represents the amount that can actually be charged to your credit card (as on a specified date). The bank will assess a fee if you go above your overall credit limit. An over-limit fee is the name of the charge.

How does the ICICI Bank Credit Card Limit Affect Your Credit Score?

If you have a high credit score, your creditworthiness will also be high. The way you use your credit limit affects your credit score. This is because every month, the credit limit and credit utilisation ratio are being reported by the bank to the credit bureaus. The credit bureau will look into this and then calculate your credit utilisation ratio. If you want a high credit score, you have to use the credit card limit very wisely. If your credit utilisation ratio is high, then, your credit score will be low. You can keep a high credit score by following these:

1. Regularly paying your credit card bills in full
2. Paying your bills on time
3. Reducing your credit card limit usage
4. Try to reduce all liabilities

How Much ICICI Bank Credit Card Limit Can You Use?

How much of your credit limit has been utilised is indicated by your credit utilisation ratio. Many banks would assume you are credit hungry if your credit utilisation ratio is really high. The impact on your credit score will follow. A low credit utilisation ratio will demonstrate to lenders that you have good money management skills and can pay back any borrowed money.

How to Increase ICICI Bank Credit Card Limit

1. If you pay your credit card bills on time and in full, most banks will increase the credit limit of your credit card automatically.
2. You can always request a higher credit limit from the bank. Based on the justification you give and your history of timely payments, many banks will agree to raise the credit limit on your credit card.
3. If you use your credit card regularly and you do not have a high credit utilisation ratio (less than 30%), banks will increase your credit limit.
4. You can apply for a new credit card that has a higher credit limit as compared to your current credit card.

Advantages of Increasing ICICI Bank Credit Limit on your Card

1. A high credit limit is always helpful when you have health and financial emergencies.
2. If you have a high credit limit, it can reduce your credit utilisation ratio and this will give you a high credit score.
3. A low credit utilisation ratio and a high credit limit, increases your chances of getting a loan or another credit card.
4. A lot of credit cards that have high credit limit offer more benefits as compared to those that have a lower credit limit.

Impact of a transaction Over the ICICI Bank Credit Limit

You will be charged an over-limit fee and your credit score will suffer if you use your credit card to make a transaction that exceeds the credit limit. Additionally, it may make it more difficult for you to obtain a loan in times of need.

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