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

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    SBI Credit Card Limit Online
    SBI Credit Card Limit

    With credit cards, the entire functionality of the economy across the world has changed. Now, for every medical emergency, a cardholder will not have to run to a bank. Financial independence will be in their pocket in the form of credit cards. However, this financial freedom also comes with a cap. Credit cards come with a credit limit for the cardholders spending beyond which invites an Over-limit fine. SBI cards also have their own credit limit. The credit limit on SBI cards varies from card to card and can depend on a variety of factors. Let’s take a look at the concept of credit limit on SBI cards in detail.

     

    How to Increase Credit Limit on SBI Credit Card?

     

    SBI offers two different ways for its credit card customers to revise their credit limits.

    1. Pre-approved credit limit offer
    2. Credit limit increase on request

    Pre-Approved Credit Limit Offer:

    In this method, SBI takes the onus to identify credit card customers eligible for pre-approved limit enhancement based on its internal risk policy.

    Eligible customers will either receive a call or an SMS/e-mail from the bank detailing the offer. They can also find them in their monthly statement as well as in their online account.

    Customers eligible for pre-approved limit enhancement offer don’t have to furnish any documents but have to send their acceptance to the offer to the bank.

    • Accepting SBIs Pre-Approved Limit Enhancement Offer:
    • Once you receive intimation from SBI offering credit limit enhancement on your card, you can follow any one of the following methods to accept the offer

    • Net Banking:
    • You can login to SBIs website exclusive meant for credit cards, www.sbicard.com, to accept limit enhancement.

      Login to your account, click ‘Offers or Benefits’ from the left hand side menu, find ‘Credit Limit Increase offer’ on your account and click submit. Your acceptance will be automatically sent to the bank.

    • Customer Care:
    • SBI has two dedicated helplines for credit card queries calling which you can tell your acceptance of your offer.

      Call 1860-180-1290 or 39 02 02 02 (prefix your STD code), tell them that you have received a message or call about credit enhancement offer and your willingness to accept the offer.

    • Send an SMS:
    • You can also send last four digits of your SBI credit card on which the limit increase has been offered from your registered mobile number to avail the offer.

      Send an SMS ‘INCR ABCD’ (last 4 digits of your credit card) to 5676791

     

    Credit Limit Increase on Request:

    When you don’t receive any such pre-approved offers from SBI, you can still apply for the enhancement by directly contacting the bank.

    You can call the aforementioned customer helpline numbers to check your eligibility for credit limit enhancement. In case you are eligible, your application will be processed based on the income documentation method. By submitting your recent income documents, you need to convince the banker that you can handle much higher credit limits without defaulting.

    Income documents accepted for credit limit revision are

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

    You can submit the soft copies of the above documents at www.sbicard.com/email or you can send the same through post to Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002.

    Once the bank receives the documents, based on its internal risk policy, your request will be processed.

       
      

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    SBI Credit Card EMI Reviews

    • review Credit Card
      "Not Satisfied"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. I have been using this card more than 2 years. My credit limit is very less, it's only 35 thousand. Their charges are more in comparison to other banks. I am not satisfied with their customer service, very difficult to reach them.
      Was this review helpful? 7
      , bangalore
      Reviewed on Aug 26, 2019
    • review
      review Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I had a State Bank of India credit card. I used that card for almost 4 years. I deactivated the card because credit limit was very very low. My credit limit was only 10 thousand. I had to pay annual fee Rs. 500. I am not satisfied with their customer service.
      Was this review helpful? 7
      , hyderabad
      Reviewed on Aug 26, 2019
    • review Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last one month, so it has very good shopping offers through online purchase. Even I do have cash back offers and reward points offer based on the transactions but they did not generate my first month credit card statement.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 24, 2019
    • review Credit Card
      "Hosume"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India simple save credit card past 6 months ago .The Annual charger Rs 499. . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using a State Bank of India credit card. Credit limit is nominal and annual fee is Rs. 499. I have been using this card over 7 years. SBI customer service is very helpful and responsive. Their mobile application is user friendly and bill payment is very simple and easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of india simply save credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. Their customer care is very helpful, they had provided clear information. I have been using this card for the last 5 years. Features of this card are really good. There is good offer but credit limit is very low.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a State Bank of India credit card. My credit limit is Rs. 55 thousnd, they have not increased the credit limit much. I have been using this credit card over 2 years. Annual fee is Rs. 500. Their customer service is very good. Bill payment is very easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have been using State Bank of India Credit card. I got the card on time. Credit limit is nominal but there is annual fee of Rs. 499. I have been using this credit card more than two years. I am getting reward points and cashback offers. Bill payment is very easy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Very good "
      0.5 4.0/5 "Great!"
      I have selected simply save credit card past 3 months ago The Annual Rs 499. Balance transfer option is applicable, while transaction through online i will receive rewards points and cash back offer through on line 10 percentage cash back , customer service is good and responsive , limit is sufficient is provide from banker end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I have a State Bank of India Bharat Petroleum credit card. I have been using this card over the last 2.5 years. I am quite satisfied with the revert point system for refilling fuel. Other than reward points other features are good. Credit limit is also enough.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India Platinum credit card. I have been using this card for the last 3 years. Credit limit is Rs. 65 thousand. The features are good and I am getting good offers. Bill payment is very easy their customer care is very responsive.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a State Bank of India credit card. I have been using this card almost 4 months. I had received the card on time. Credit limit is nominal but annual fee is Rs. 6000. It's BPCL card and they are charging for refilling petrol. SBI customer service is good.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2019
    • review Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India signature credit card past 7 years ago.The Annual charger Rs 499. While spending Rs 25,000 annual chargers will be waiver off . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 13, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding a State Bank of India credit card. I have been using this credit card for a while. I had received the card on time. They have given sufficient credit limit. Annual fee is chargeable. SBI customer service is very responsive and helpful.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 09, 2019
    • review Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India platinum credit card on 4 years before which was applied through an other channel. It is a life time free credit card. The credit limit is low which was given from bank. I use this card for many purposes based on the usage I get cash back and discounts up to 10%.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 08, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India credit card past 6 months , The Annual charger is Rs 500. While spending RS 25,000 1st year annual charger will be waiver off , while documents submitted through executive there is no delay while receive credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 08, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected State bank of india past 1 yrs , annual charger is 599. While transaction no rewards points and no cash back offer.while document submitted through online there is delay while receiving credit card, sufficient limit is provide from banker end. Customer service is good and responsive .All notification message and email communication from banker end.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 08, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have selected state bank of india credit card .past years ago .The Annual Rs 499 . While spending Rs 30,000 annul waiver . The documents were submitted through executive so there is no delay while receiving credit card.Customer service is good and responsive.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Aug 07, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of india credit card past 3 years Rs 450 , No waiver option. while transaction through swipe will receive rewards points. In all petrol pump surcharge waiver 1 percentage.customer service is good and resposnisve , while documents submitted through on line, sufficient limit is provide from banker end. All notification message and email communication fro banker end . Mobile application is user friendly.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Aug 06, 2019
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