How to Increase Credit Card Limit for ICICI Bank?

ICICI Bank offers a wide range of credit cards tailored to customers based on their creditworthiness, income level, and eligibility. If you already have an ICICI Bank credit card and wish to increase your credit limit, this guide will cover everything you need to know, including how to check and increase your ICICI credit card limit online and offline.

What is the ICICI Credit Card Limit?

Your ICICI credit card limit is the maximum amount you can spend during a billing cycle. The bank sets this limit based on your credit score, income, repayment history, and other financial factors. There are three types of credit limits:

• Total Credit Card Limit: The maximum amount you can spend using your card. This resets once you clear your credit card dues.
• Available Credit Card Limit: The remaining balance after deducting your current spending. Your available limit increases when you repay outstanding dues. You can also set a spending cap for security.
• Cash Limit on Credit Card: A percentage of your total credit limit that you can withdraw as cash during emergencies. Typically, ICICI Bank offers a 20% - 40% cash withdrawal limit, depending on your credit profile.

How Does ICICI Bank Decide Your Credit Card Limit?

ICICI Bank evaluates multiple factors before deciding your credit limit:

1. Type of Card: Premium cards have higher limits than basic cards. Choose a card that meets your needs.

2. Debt-to-Income Ratio: If your existing loans and liabilities are high, your credit limit may be lower. A healthy debt-to-income ratio improves your chances of getting a higher limit.

3. Income Level: A higher income can help you get a card with a higher credit limit, as banks assess your repayment capacity.

4. Credit History: A good credit score (750 and above) and consistent repayment behavior increase your eligibility for a higher limit.

How to Increase ICICI Credit Card Limit Online?

You can easily increase your ICICI credit card limit via iMobile Pay App or Net Banking.

Increase ICICI Credit Card Limit via iMobile Pay App:

Step 1: Log in to the iMobile Pay App.

Step 2: Go to ‘Cards, Loans & Forex’ and select your credit card.

Step 3: Tap ‘Manage Card’ and then ‘Manage Credit Limit’ under the ‘More’ tab.

Step 4: Enter your desired credit limit.

Step 5: Tap Submit. You’ll get an instant confirmation if your request is approved.

Confirmation Message: The bank will notify you instantly if your credit limit increase request is approved.

Increase ICICI Credit Card Limit via Net Banking:

Step 1: Log in to ICICI Net Banking.

Step 2: Click on ‘My Accounts’ and select ‘Credit Card’.

Step 3: Click on ‘Manage Credit Limit’ and then hit ‘Go’.

Step 4: Enter your desired credit limit.

Step 5: Authenticate using the OTP sent to your registered mobile number.

Step 6: Click Submit and wait for the confirmation.

How to Increase Amazon Pay ICICI Credit Card Limit?

To increase your Amazon Pay ICICI credit card limit, you can:

1. Call ICICI Customer Care at 1800 1080 and request a limit increase.
2. Follow the same process via Net Banking or iMobile Pay App.

The bank will evaluate your profile before approving the request.

How to Check ICICI Credit Card Limit?

You can check your ICICI Bank credit card limit using multiple methods:

• Via SMS: Send IBALCC <Last 6 Digits of Your Credit Card> to 9215676766 from your registered mobile number.
• Via Customer Care: Call ICICI’s toll-free number 1800 1080 and follow the IVR instructions.
• Via Net Banking: Log in and navigate to ‘Credit Card’ to view your credit limit.
• Via iMobile Pay App: Open the app and check your limit in the ‘Credit Card’ section.
• Via Monthly Statement: Your credit limit details are mentioned in your monthly credit card statement.

Benefits of Increasing Your ICICI Credit Card Limit

• Improves Your Credit Score: A higher limit lowers your credit utilisation ratio, which boosts your credit score.
• Higher Loan Eligibility: A good repayment record and a high credit limit make you eligible for higher loans on your credit card.
• Upgrades You to a Premium Card: A higher credit limit improves your chances of qualifying for an ICICI premium credit card.
• Enhances Spending Power: You can manage big-ticket expenses or emergencies without maxing out your card.

ICICI Credit Card Customer Care Number

For any credit card or limit-related queries, you can call 1800 1080 from a registered mobile number. 

Final Thoughts

An ICICI credit card limit increase can be initiated by you or the bank based on your credit profile. If you maintain a good credit score, repayment history, and income level, you stand a higher chance of getting an instant limit upgrade. Whether through Net Banking, iMobile Pay App, or Customer Care, increasing your ICICI credit card limit is a seamless process that enhances financial flexibility.

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2. How to Activate ICICI Credit Card?
3. ICICI Mobile Banking - How to Register, Login and Transfer Funds?
4. ICICI Credit Card Cash Withdrawal Charges
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