How to Increase ICICI Bank Credit Card Limit? - Simple Methods
Increase ICICI bank credit card limit: ICICI bank offers lots and lots of benefits for its credit card users. From purchasing expensive items to meet our basic needs such as online shopping and settling utility bills, ICICI credit is the most convenient method for payment. You must have a valid credit limit for your cards to make any transactions using your ICICI credit card.
|How to Increase ICICI Bank Credit card limit|
ICICI credit card limit is based on a variety of factors such as the maximum amount you can spend with your ICICI credit card, previous credit card status, repayment capacity and more. You can increase ICICI bank credit card limit using various services of ICICI without visiting a bank branch. In this post, we are going to explain four simple methods on how to increase ICICI bank credit card limit with step by step explanation. Note: You can also search for ICICI Bank Balance check here
Method 1: Increase ICICI bank credit card limit using internet banking
ICICI bank also allows you to log in to its internet banking website using your registered mobile number and One Time Password.
Step 1: First, you need to visit the ICICI bank’s official website https://www.icicibank.com/ on your device and then log in to internet banking by entering your customer id and password. You can find your customer id on Passbook.
|Increase ICICI bank credit card limit using net banking|
Step 2: Once the main dashboard of the website was loaded, click on the ‘Cards and loan’ and then choose a credit card from the list of options.
|Select Credit card and loan option|
Step 3: Now, a new page will be loaded, where you need to select the ‘Manage Your Card’ section. And then you have to click on the ‘Edit’ nearby to ‘Manage Credit Card Limit’ to increase the ICICI bank credit card limit.
Step 4: Next, enter the credit limit as your wish in the ‘Desired Credit Limit’ column. If you are eligible for the ICICI credit card limit upgrade, you will have a higher amount under the maximum available credit limit than the amount under the existing limit.
Step 5: And also you need to enter the One Time Password which you will receive in your mobile registered with ICICI bank to authorize the transactions. Once you have entered the new credit card limit and Time Password, click on the ‘Submit button. That’s it. Now, your credit card limit of ICICI bank will be increased.
Method 2: Increase ICICI bank credit card limit using a mobile banking app
If you have downloaded ICICI bank mobile banking application on your device, you can easily increase the ICICI bank credit card limit using the app.
Step 1: First, you are required to download and install the ICICI iMobile banking application from the google play store or App store on your device.
|Increase ICICI Bank Credit card limit using Mobile app|
Step 2: Once the iMobile app was installed on your device, open the app and log in to it by your mobile number and OTP or username and password of internet banking. If you have already installed a mobile app on your device, you just need to enter a four-digit pin to log in.
Step 3: Click on the ‘My Cards’ section at the main interface of the app. From the list of options, select the credit card for which you want to increase the credit limit.
|Select Cards and Loans option|
Step 4: At the next screen, you need to select ‘Manage Card’ and then click on ‘Manage Credit Limit’. To maximize the limit available for your card, drag the pointer to the end of the limit.
If your credit card is eligible for the limit upgrade, you may find a higher amount in the available limit than the current limit.
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Method 3: Increase ICICI bank credit card limit by sending SMS
If you want to increase the ICICI bank credit card limit without an internet connection, you can opt for this method. In this method, you just need to send an SMS from the mobile number registered with the bank to increase the ICICI bank credit limit. Let’s see how to send SMS to increase your credit card limit.
Step 1: First, go to the messages application on your mobile phone in which you have inserted the SIM which was registered with the ICICI bank.
|Increase ICICI Bank Credit Card limit using SMS|
Step 2: Click on New Messages and type CRLM << Last four digits of your credit card >>
Step 3: And then send the message to 5676766. In a few minutes, you will receive an SMS regarding the increase in the credit limit.
You will only receive this SMS if you are eligible for credit limit upgrades. If your card credit limit is ineligible for an increase, you will receive a response saying ‘You are currently ineligible for the limit increase’.
Method 4: Increase ICICI bank credit card limit using Customer Care
If none of the above methods helps you to increase the ICICI bank credit card limit, you can try this method. In this method, you need to provide income proof to increase your credit limit. And you need to send an email to ICICI bank customer care support.
Step 1: First of all, sign in to your email id and click on ‘Compose’ to create a new email.
|Increase ICICI Bank Credit card limit using customer care|
Step 2: You need to enter the ICICI bank customer care email id in the ‘To’ field. The customer email id of ICICI bank is email@example.com
Step 3: Then, type the request message about the limit improvement along with your credit card details and send the mail.
|Enter email-id and request a message|
Step 4: After you sent the mail, the bank will send ‘Service Reference Number’ to your email id.
Step 5: You will receive an email asking for your income proof within two to three days. You need to send the scan copy of your salary slip or income tax return as your income proof.
Step 6: The bank officials will check your documents and you will be given a credit limit upgrade as per the internal policy of the bank. You will receive an email from the bank regarding whether your request was accepted or not.
Step 7: If your request was accepted, you will receive an email regarding the same and your credit card limit will be increased. If your request was not accepted, you will receive an email regarding the same and you need to try after 6 months to increase the ICICI credit card limit.
These are the methods to increase ICICI bank credit card limit online as well as offline. In this post, we have given four simple and different methods which will help you to increase the credit card limit.