Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IDBI Credit Card Limit

    The limit on your IDBI Bank credit card is the maximum balance that is available for you. The bank will determine your credit card limit and you can always request the bank to increase it in the future.

    How is IDBI Bank Credit Card Limit Decided?

    The bank will determine the limit on your credit card based on a lot of factors:

    • Your Credit Score:

      A higher credit limit will be given to you if your credit score is high and you have maintained the score over a long period of time. The bank will not give you a higher credit limit for your credit card if you have a poor credit score or if have defaulted on your payments.

    • Income and Debts:

      Your income has a huge role to play while the bank determines your credit limit for the credit card.

    How to Increase IDBI Bank Credit Card Limit?

    • Log into the bank's Personal Internet Banking.
    • Click on ‘My Accounts’
    • Choose your IDBI Credit Card
    • Click on ‘Manage Card’
    • The Credit Cards servicing website will open
    • Click on ‘Credit Limit Increase’
    • Choose ‘Submit’

    IDBI Credit Card Limit FAQs

    1. Will the credit card limit be the same for everyone?

      No, the card limit will be decided by the bank. This will be different and be set after the bank looks into your expenditure, income, and factors like repayment history and credit score.

    2. Do I have an option to decrease the limit of my credit card?

      Yes, you can always decrease your credit card limit. You will need to submit documents as proof and the bank will process them as soon as possible. The bank can also decrease your credit card limit if you are not able to pay the credit card bills on time or if you cannot fund yourself.

    3. Will the add-on cardholder also get the same features and also the credit limit as the primary cardholder?

      Yes, the add-on cardholder will get the features and credit card limit as the primary cardholder.

    4. What are the main eligibility criteria for increase my credit card limit?

      You should not have exceeded your credit card limit over the past years and should have also paid the entire credit card bill amount in full and on time.

    5. Do I need to submit all the self-attested documents to the bank?

      The documents that you submit to the bank when you apply for an increase in credit limit needs to be self-attested.

    6. How do I know about the latest status of my application to increase the credit limit?

      The bank will keep notifying you regarding your application status. If IDBI bank rejects your request, then also the bank will send you an SMS.

      

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