Document
70% Taxpayers Miss
Saving Taxes!
Plan now to save more taxes!
Enter details to receive communications from ClearTax

error-message

+91

error-message

error-message

How to Increase Credit Card Limit for ICICI Bank?

By Mayashree Acharya

|

Updated on: Feb 25th, 2025

|

3 min read

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:

1. Total Credit Card Limit – The maximum amount you can spend using your card. This resets once you clear your credit card dues.

2. 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.

3. 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 come with higher limits than basic cards. Choose a card that aligns with 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:

1. Log in to the iMobile Pay App.
2. Navigate to ‘Cards, Loans & Forex’ and select your credit card.
3. Click on ‘Manage Card’‘Manage Credit Limit’ under ‘More’ options.
4. Enter your desired credit limit and hit Submit.

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

Increase ICICI Credit Card Limit via Net Banking:

1. Log in to ICICI Net Banking with your credentials.
2. Click on ‘My Accounts’‘Credit Card’.
3. Select ‘Manage Credit Limit’ → Click ‘Go’.
4. Enter your desired limit under ‘Desired Credit Limit’.
5. Authenticate the request using the OTP sent to your mobile.
5. Click Submit and receive a confirmation message.

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.

1. Via Customer Care – Call ICICI’s toll-free number 1800 1080 and follow the IVR instructions.

2. Via Net Banking – Log in and navigate to ‘Credit Card’ to view your credit limit.

3. Via iMobile Pay App – Open the app and check your limit in the ‘Credit Card’ section.

4. Via Monthly Statement – Your credit limit details are mentioned in your monthly credit card statement.

Benefits of Increasing Your ICICI Credit Card Limit

1. Improves Your Credit Score – A higher limit lowers your credit utilization ratio, which boosts your credit score.

2. Higher Loan Eligibility – A good repayment record and a high credit limit make you eligible for higher loans on your credit card.

3. Upgrades You to a Premium Card – A higher credit limit improves your chances of qualifying for an ICICI premium credit card.

4. Enhances Spending Power – You can manage big-ticket expenses or emergencies without maxing out your card.

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.

Other ICICI Articles:
1. ICICI Net Banking, Online Banking, Login
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
5. ICICI Bank Locker Charges
6. ICICI Net Banking Password Reset
7. ICICI Mobile Banking - How to Register, Login and Transfer Funds?
8. ICICI Net Banking
9. ICICI Bank Zero Balance Account Opening
10. ICICI Bank PPF Calculator

Can't get yourself started on taxes?
Get a Cleartax expert to handle all your tax filing start-to-finish

Frequently Asked Questions

How much will the credit limit of my ICICI card be?

ICICI Bank will fix your credit card limit when you apply for it. They will consider your credit history, income level, debt level and credit card type before fixing the credit card limit.

What will happen if I exceed the credit limit?

If you exceed your ICICI Bank credit card limit and the transaction is not declined, the bank will charge you an over-limit fee.

Why was my request to increase the ICICI credit limit denied?

Several factors can lead to the decline of your credit card limit increase. These include low income, decreased utilisation of credit cards, default payments, etc.

What is revolving credit facility for ICICI credit cards?

It is a flexible payment option when you receive your monthly ICICI credit card bill statement. The flexible payment option permits you to either pay the total due amount, only the minimum due amount or pay a sum between the minimum and total due. Nevertheless, if you choose the last two options, the remaining balance is carried forward to the next billing cycle. 

How to check if I am eligible to get a pre-approved credit limit increase?

ICICI bank will send you an SMS when you are eligible for a pre-approved ICICI credit card limit increase. Furthermore, you can use the net banking facility or contact the bank’s customer care to check your eligibility for an ICICI pre-approved credit increase. 

What is the limit of my ICICI credit card?

ICICI Bank uses your income level, credit history, current debt and repayment capacity when you apply for a credit card to determine your ICICI credit limit.

How much ICICI credit card limit can I use?

You can utilise the total limit on your ICICI credit card, as it is the maximum amount you can borrow from the ICICI bank on your card. When you clear all your due bills, the available limit will increase and be the same as the total credit limit. In short, every time you use the card, the available limit will be reduced and increased when you clear your dues. 

What will happen when I exceed the ICICI credit card limit?

If you exceed your ICICI Bank credit card limit, you must pay the over-limit charges to the bank. Hence, avoid exceeding your credit limit to pay the over-limit charges. 

How can I increase my ICICI credit card limit?

You can increase your ICICI Bank credit limit through SMS, mobile banking and net banking. In addition, you can contact the bank’s customer care to increase your credit card limit.

How is the ICICI credit limit calculated?

ICICI Bank will calculate your credit card limit when you apply for it by considering your income level, current debt, repayment capacity and credit history.

Help and support
close
Loading Chat ...
Chatbot LogoChatbot Button
About the Author

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

Clear offers taxation & financial solutions to individuals, businesses, organizations & chartered accountants in India. Clear serves 1.5+ Million happy customers, 20000+ CAs & tax experts & 10000+ businesses across India.

Efiling Income Tax Returns(ITR) is made easy with Clear platform. Just upload your form 16, claim your deductions and get your acknowledgment number online. You can efile income tax return on your income from salary, house property, capital gains, business & profession and income from other sources. Further you can also file TDS returns, generate Form-16, use our Tax Calculator software, claim HRA, check refund status and generate rent receipts for Income Tax Filing.

CAs, experts and businesses can get GST ready with Clear GST software & certification course. Our GST Software helps CAs, tax experts & business to manage returns & invoices in an easy manner. Our Goods & Services Tax course includes tutorial videos, guides and expert assistance to help you in mastering Goods and Services Tax. Clear can also help you in getting your business registered for Goods & Services Tax Law.

Save taxes with Clear by investing in tax saving mutual funds (ELSS) online. Our experts suggest the best funds and you can get high returns by investing directly or through SIP. Download Black by ClearTax App to file returns from your mobile phone.

Cleartax is a product by Defmacro Software Pvt. Ltd.

Company PolicyTerms of use

ISO

ISO 27001

Data Center

SSL

SSL Certified Site

128-bit encryption