Axis Credit Card Limit: Check Your Credit Limit & Usage

Key Takeaways
 

• Your Axis credit card limit depends on income, credit score, and repayment history.
   
• You can check your credit limit anytime through the mobile app or online banking portal.
   
• The Axis Bank is more likely to offer you a higher limit if you keep your card usage under 30% and always pay on time.
   

“Have you ever wondered why your friend’s Axis credit card has a higher limit than yours? Let’s decode the secret together.”

The Axis Bank credit card limit is the highest amount you’re allowed to spend using your card. It reflects the level of credit Axis Bank has approved for you. 

For example, my friend Gautam has an Axis credit card with a ₹50,000 limit. He can spend up to this amount in a billing cycle. If he exceeds this limit, his transactions get declined instantly. Understanding your credit limit helps you manage finances better daily. 

In this blog, you’ll learn how Axis credit card limits are decided and how you can check, manage, and increase yours.

Factors Affecting Axis Credit Card Limit

“Bhai, Rushi ke Axis Credit Card ki limit ₹1,00,000 hai but mine’s just ₹40,000! Let’s find out what really decides your credit limit.”

Understanding what determines your credit card limit is crucial. Let's explore the key factors that influence your Axis credit card limit:
 

These factors collectively determine your Axis credit card limit potential. Understanding them helps you work towards better credit access.

How to Check the Axis Credit Card Limit?

“Bro, do you want to know exactly how much credit Axis Bank trusts you with? Let’s look at the quickest way to check your card limit.”

It is simple and quick to check your Axis credit card limit online. Follow these easy steps to view your credit information:

1. Log in to the cardholder portal or Axis Mobile app: Use your credentials to access your account securely. 

2. Navigate to account summary: This section displays your current balance and available credit. You can also see your total credit limit here. The summary helps you check your Axis credit card limit effortlessly.

3. View Credit Card details: The account summary shows various details about your card. This includes your current balance and available credit amount. Most importantly, you'll find your total Axis credit card limit displayed. 

4. Check statement of account (optional): For a more detailed view, check your latest statement. This document provides comprehensive information about your card usage. It includes the Axis credit card limit along with transactions. Statements give you a complete picture of your account.

You can also get your Axis credit card limit through customer care, SMS, or a missed call service apart from checking your limit through the mobile app or online portal. These offline options help you quickly verify your credit limit even when you don’t have internet access.

Bonus Tip: Axis Bank has recently launched AI-powered Spend Analytics in its mobile app, helping cardholders track spending patterns and control utilisation more smartly. This feature can indirectly support better credit limit management. 

How to Increase Axis Credit Card Limit?

“Bro, month end nahi hua hai per abhi se mere Axis credit card ki limit end ho gayi h, kya karu? It’s time to boost your Axis Credit Card Limit smartly, let’s see how.”

Increasing your Axis credit card limit requires following proven strategies. Here's how you can boost your credit access effectively.

Ways to Increase the Axis Bank Credit Card Limit

There are simple steps you can follow to increase your Axis Bank Credit Card limit:

Improve Your Credit Score: You can pay your Axis Credit Card bill before the due date every month and keep your card usage in control. When you avoid too many loan or credit inquiries, your credit score improves naturally. A strong score tells the bank that you can handle a higher limit.

Show Consistent Income Growth: If your income has increased recently, you can share your updated salary slips or income documents with Axis Bank. Higher income gives the bank confidence that you can manage a bigger credit limit comfortably.

Use Your Card Regularly: When you use your Axis credit card for everyday purchases and clear the full amount on time, the bank sees you as a responsible user. Regular usage, combined with timely repayments, makes you eligible for a limit enhancement.

Avoid Maxing Out Your Card: If you keep your credit utilisation below 30%, the bank understands that you don’t rely too heavily on credit. This responsible spending pattern increases your chances of getting a higher limit.

Consider Getting a New Card: If your current card isn’t offering an increase, you can explore a new Axis credit card that naturally comes with a higher limit. Choose a card that matches your spending style and can give you more credit access from day one.

Apply for a Joint Card: You can also take a joint credit card with a financially strong family member. Their creditworthiness, combined with yours, may help you receive a higher limit from the bank.

You can build a strong profile and improve your chances of getting a higher Axis credit card limit over time by following these simple habits consistently.

Tips to Manage Axis Credit Card Limit

“Have you ever wondered why your credit limit feels tight sometimes? It’s often about how you manage it. Here’s what you can do differently.”

When you manage your Axis credit card limit properly, it helps you stay on track with your money. Here are five essential tips to control your credit effectively.

Following these simple tips helps you manage your credit limit responsibly. Stay disciplined with your spending to maintain excellent financial health.

Conclusion

“What if your next salary slip could unlock a higher Axis credit card limit? It’s easier than you think, if you manage it right.”

Your Axis credit card limit can grow steadily when you manage the card responsibly. The Axis Bank gains confidence in you if you spend within your means, pay on time, and keep your utilisation low. And when your income increases, requesting a higher limit becomes much easier. Small, consistent habits can genuinely improve your credit access over time.

FAQs

Q1. Can I have multiple Axis credit cards simultaneously? 

Yes, you can hold multiple Axis credit cards at once. Each card will have its own separate credit limit.

Q2. Does closing an Axis credit card affect my credit score? 

Yes, closing a card can impact your credit score negatively. It reduces your total available credit and increases the utilisation ratio.

Q3. How often can I request a credit limit increase? 

You can request an increase every six months. However, approval depends on your financial profile and card usage.

Q4. Will my credit limit decrease if I don't use my card? 

Yes, inactivity may lead to limit reductions by the bank. Banks prefer customers who use their cards regularly and responsibly.

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.