SBI Credit Limit Enhancement and Upgrades – Everything You need to know

By | August 16, 2018

It’s been a while since I was holding Sbi Simply Click credit card. So I was trying to upgrade it to SBI PRIME card and finally got it, after chasing for couple of months. I got to know few things while doing this and so this article will help you understand more about SBI’s upgrade and credit limit enhancement process better.

SBI Prime Card

SBI CREDIT LIMIT Enhancement

Before you go with a credit card upgrade, it’s better to request for credit limit enhancement. This is because the premium cards are usually eligible when there is a good credit limit.

How to?

All you need to do is: Login into your account->Benefits->Card Limit Increase

Enter your income details and it’ll show eligible limit. If there is a pre-approved offer, you don’t even need to enter any details, it’ll pop up automatically. If this is not showing up even after 6 months of card opening, upload your income docs and submit using Mailbox->Compose.

You can expect the limit to be increased in 24-48 hrs. It’s pretty fast than I expected.

My Experience:

  1. Manual: They gave close to 2X for me on one of my LE application with IT docs. New limit reflects in ~48 hrs. Side note: I’ve also heard someone who got 4X as well. Totally depends on Spends & income.
  2. Auto LE: I got exact 50% increase offer on netbanking the second time. Got the limit increased instantly.

SBI Credit Card – Auto Limit Enhancement Confirmation

What’s your experience with SBI CC limit enhancement?

SBI Credit Card Upgrade

SBI says you need to wait upto 6 months to initiate any credit card upgrade or downgrade. If you’ve previously downgraded your card, SBI actually need you to wait for 1 year, even though they mention only 6 months on their FAQ.

How to?

Reach out to customer care and request for the credit card upgrade. Or, you can also use net-banking to request for the same. I prefer Netbanking as there will be a record for you to escalate just incase if it doesn’t go through.

Note: Escalations (both offline & online) don’t usually help with upgrades, at-least in my case. They’ll send the request to an eligibility team and if they deny, it keeps repeating again & again.

Even-though my Limit was good enough with card age being 6 months old post downgrade, my case was running for 3 months and they upgraded it only after 1 Year was completed. That brings me to the next topic!

CIBIL Effect on Upgrade

For some reason or other, SBI opens a fresh account on CIBIL even though you upgrade or downgrade your existing card. This is probably why they don’t want to do upgrade/downgrade in 6 months time.

This is very bad for cardholders because CIBIL will show as if you’ve closed the old card in one year. For ex, I was initially holding SBI Air India Signature card and downgraded it to SBI Simplyclick and then upgraded to SBI Prime. With most banks, this should show only as one account on CIBIL, but with SBI, it shows 3 different accounts: 2 closed, 1 open. NOT GOOD!

Bottomline

With SBICARD, you need to consider sticking to one card for longer period. This is quite important for those who’re already using multiple cards, as this will add up lots of accounts in your CIBIL history.

This is not so good in eyes of your new lenders as they’ll see you as a short term card holder. And it “may” also cause problems if you use your new upgraded card for ‘card on card’ applications as they’ll see mismatch with the age of your card.

How’s your experience with SBI Credit Card upgrades and Limit Enhancement? Was it easy or you faced tough times with upgrades like me? Feel free to share your thoughts in comments below.

80 thoughts on “SBI Credit Limit Enhancement and Upgrades – Everything You need to know

  1. Himanshu

    SBI has started a new way for Limit Increase. You can check by logging into your account->Benefits->Card Limit Increase. They are giving an estimated increase right away after entering the income details.

    Reply
    1. Siddharth Post author

      Thanks for sharing this. SBICard is acting fast on improving this. Impressive!

      #Article Updated accordingly

      Reply
  2. KARTHIK M

    I have SBI simply click card and was planning to upgrade to prime. But didn’t request because of amazon cashback date is coming up and cibil score might go down (reason as mentioned in your article)

    Reply
    1. Siddharth Post author

      CIBIL doesn’t get affected directly as they don’t do any enquiry. Its just that you’ll see multiple accounts.

      Reply
      1. Karthik M

        I agree. I did card upgrade on HDFC and in CIBIL it showed up as new card. Tried raising dispute but no luck. So I am not willing to lose my oldest card history for an upgrade. SimplyClick still is a good online (Amazon) shopping card

        Reply
        1. Siddharth Post author

          Never happened to me with HDFC, as long as its within Visa/MC. Maybe they’re doing it for Diners switch?

          Reply
          1. Malavkumar Patel

            My wife’s card was upgraded from Diners Rewardz to Clubmiles and it did not show as new card and no new inquery as well.

          2. Siddharth Post author

            I mean upgrade from “Visa/Mc to Diners” for which they do some changes in the backend.

  3. SH

    Off topic: What is your experience with the new Amex plat that you got?

    Reply
  4. HIMANSHU

    “For some reason or other, SBI opens a fresh account on CIBIL even though you upgrade or downgrade your existing card.”
    The same thing happens on Kotak Cards as well. I was offered Kotak Urbane Card with Kotak 811 account which was upgraded to League Platinum in 3 months and again upgraded to Royale Signature. Though they offer card upgrade very often but they open a separate account in CIBIL for every upgrade.

    Reply
    1. Siddharth Post author

      Thanks for that info!

      But, Why on earth you’re getting Kotak Cards?

      Reply
  5. Madhuri Bharatiya

    I am holding SBI card from last 18 months but they have not increased limit even once. I requested multiple times. My ITR is 3 lakhs.

    Reply
  6. Captain Bishuddha Bharatiya

    Siddharth I know you are online now. Please allow my comment on your article named ” Citibank Prestige Credit Card review ( India ) “.

    Reply
    1. Siddharth Post author

      Patience please. I’m clearing them one by one. There are about 100’s in queue as i was away for a while.

      Reply
  7. Captain Bishuddha Bharatiya

    I have SBI Prime from last 10 months with Rs. 75,000 credit limit. I have ITR of 3.20 Lakhs. Siddharth do you think that they will increase my credit card limit ?
    If I give my HDFC card’s statement ( Rs. 2.25 lakhs limit ) will it help ?
    I also have SBI FBB card from April 2018.

    Reply
    1. dolphy

      Dear Sir, how u able to get 2 credit card from sbi same time i am holing SBI prime card since 2 years..

      Reply
    2. Mickey

      Captain –

      just out of curiosity, how did you the apply the SBI Prime? Are u an SBI a/c holder, or was it on card-on-card basis? Not sure if SBI does that. Or because of high CIBIl?

      I’m asking because my Prime application got declined ( with ITR of 11.5 and CIBIL of 800! ) so trying to figure out what was wrong. Thinking of writing to Nodal officer or just try for another Bank card like Yes Premia.

      Thanks

      Reply
      1. Captain Bishuddha Bharatiya

        Mickey sorry for late reply. I saw your post today. My CIBIL was only 770 when I applied on October 2017. In past 2 times SBI rejected my credit card applications. So I tried some experiments to find ways to get approve for SBI cards. I suceedeed in finding the hack and after that at least 5 persons out of 6 suceedeed in getting approved an that also in 1st try.
        I found applying for card on card basis is useless and somehow SBI do not favour businessmen. I applied through www. sbicard.com and said them that I am a salaried person ( even though I am a businessman ). They took only KYC ( no documents for salary verification) than they did phone as well as physical verification ( of shop ) . Within 4 weeks I got the card delivered.

        Reply
  8. Anoop E S

    One point. Never opt for a banking partnership card from SBI. You will be stuck with the same card for years. No upgrade possible. I’m holding KVB SBI Platinum for 6 years now. In the same time period, I got 3 upgrades from HDFC, i.e. from platinum plus to Diners Black.

    Reply
    1. Shivi

      Depends what you are looking for. I am happier with SBI Air India card than I was with SBI Prime. Also, you can always close your current SBI card and apply for a new one. I do intend “downgrading” it next to SBI Simply Click

      Reply
      1. Anoop E S

        I mean banking partnership card and not a co-branded card. You cannot even downgrade a banking partnership card. I tried all such things. You are stuck with it and of course, you can close it.

        Reply
  9. Dhruv Chadha

    Thanks Siddharth for the post. I would really love to also see a post on credit limit enhancement for HDFC Regalia and any other hacks for this card. Thank you.

    Reply
  10. Shivi

    “For some reason or other, SBI opens a fresh account on CIBIL even though you upgrade or downgrade your existing card.” – Please recheck, maybe there are different parameters here ~ I upgraded from SBI Prime to SBI Air India card (after 6 months) and the same account opening date is continuing (Original Account opening date of SBI Prime in CiBiL)

    Reply
      1. Indra

        Hi Sid,
        I have Axis Bank privilege credit card. I received it on 7th august, did 3 txns, received 12500 rewards points in Edge axis account. But, I m not able to find out how to convert these points into two Yatra vouchers. I went to redeem section, but there r no Yatra vouchers. Can u please help me? It’s a kind of urgent as I m waiting to book a ticket though these vouchers.

        Reply
        1. Ramesh Kumar

          You can search for yatra on axis edge portal and you’ll find yatra(product code E177) Rs.2,500 voucher. But I’m struggling for last 3 months to redeem the yatra voucher, raised issue to axis support and it’s not resolved yet, maybe issue specific to my account.

          Reply
          1. Indra

            Thanks for your reply. But it is not showing any Yatra vouchers. Will it refect after I settle first Cc statement bill?

          2. Ramesh Kumar

            I’m not sure, maybe shown after making annual fees payment. But I tried after 2-3 months of privilege card usage and it’s available in edge portal.

    1. Abhishek Roy

      Actually, SBI opens a different account whenever you upgrade or downgrade a card. It closes an account and opens a new account. I have as of now 3 different SBI cards being shown out of which two are being shown as closed. One is open but I think this negatively impacts the CIBIL score. Citibank, HDFC and Stan Chart just update the card number and continue the same account in case of upgrade or downgrade.

      Reply
      1. Murali

        In my experience Only Stan Chart uses relationship number to report to CIBIL . CITI & HDFC used credit card number to report to CIBIL. in My report every upgraded card from CITI and HDFC reported as unique account.

        Reply
        1. Abhishek Roy

          No, actually we have been using Citibank, HDFC, Stan Chart, SBI and other cards. With Citibank, HDFC and Stan Chart even though we have been upgraded wnr downgraded multiple times, it only reflects as a single account. With SBI, each upgrade or downgrade is considered and reported as a different card. However it should be noted that there is no hard enquiry.

          Reply
          1. SHIVI

            This is what is printed in my CIBIL; 4 months after the SBI card upgrade. The old card (Prime) is showing as “closed” while the original Opening date of Prime is now reflecting as the opened date of the upgraded card ~ without any enquiry as you rightly mentioned.

  11. Rajesh

    Hey Sid,

    Currently my score is 784 with 13 enquires made in 2 years. Had no clue that time but good thing is have made 100%payment. I hve got 3 cards. SBI(1 year old) , hdfc(oldest) and yes card(newest).

    Tell me how i can improve cibil in 4 months or so. Have been staying within 30-40% from 2 months.

    Should i go with FD based cards. Indusind or axis?
    Which one doesn’t make enquiry on cibil?
    My current ITR is 8 lacs.

    Reply
    1. Shivi

      FD based cards too have started making CIBIL enquiry before giving THE card to you. It hold true for ICICI, SBI and HDFC.

      Reply
  12. Sathish

    In the comments and article, it is mentioned there are multiple accounts opened in CIBIL on upgrade/downgrade…May I know how to check them out, how many accounts created in our CIBIL..??

    Reply
  13. Vinay

    Guys, i have SBI Elite and SBI AI Signature. I use Elite for INR 5+ lacs to get 50k reward points. Don’t use AI card much as i already have 1+ lac miles. Do you think i should continue with same or change the cards?

    Reply
  14. Prashant Gupta

    Thanks for the article. I instantly applied for limit increase online and within 1 day the limit was increased by further 1.25L. It was recently increased by 80k few months back. Although i dont use the card much as I completed the 2l milestone on simplyclick, but who can reject limit increase.

    Reply
    1. Captain Bishuddha Bharatiya

      Congrats Prashant. If I may ask how much was your income and what was the percentage of limit increase ?

      Reply
      1. Prashant Gupta

        I submitted Form 16 and income is more than 10l. Limit increase was 50% to Rs.3.64 L.

        Reply
    2. Abhishek Roy

      Good. I am too waiting for my limit increase. Will apply soon for limit increase with documents.

      Reply
  15. Rajesh

    Hey Prashant, Sid

    I am been using SBI cards for almost one year now. Have read they have introduced new limit increased feature under benefits section.

    Have entered my current ITR, it shows we have given you max limit (which is 50K from start). Even entered 50 lacs just to check whether i get initial approval/increase but didn’t work.

    Is there something wrong? My last ITR was about 4 lacs now its doubled.

    Please help.

    Reply
    1. Prashant Gupta

      Have i been using your card regularly……also check the offer section if limit increase offer is there. As your limit is only 50K try to use it more for next 2-3 months and check again.

      Reply
    2. ankush

      Hi Rajesh

      Kindly try to enter some realistic values, it asks for monthly gross income try to enter some real value like u said your ITR is around 8 lacs so divide it by 12 then enter. If you enter too high values it will reply with a sorry message everytime 🙂 .

      Reply
  16. Himanshu

    Hello Siddhart Sir

    I am using SBI simplyclick card from 1 year. Decent spend of Rs 1.5 lacs annual. Not getting any offers LE/upgrade.

    My Cibil score is 765. Should i get LE manually? It will hurt my score as you have written they will open a new account.

    I am worried. Help me!

    Reply
    1. Siddharth Post author

      You can try for manual application. More spends would help, as without which they may think the given limit is enough!

      Reply
  17. Shailesh

    I have SBI Gold and More card and Amex Travel Platinum cards. I am being offered SBI Prime card. but haven’t upgraded it yet.
    Is there any point upgrading to Prime as it costs Rs. 2999/- +taxes (for expense less than 3L in a year) whereas Gold and More was like with zero annual fee.
    My first priority would be to spend 4L on Amex card and then on other cards. I wouldn’t be able to reach 3L after Amex spends.

    Reply
  18. Bharath

    I applied for a new SBI SimplyCLICK credit card and they approved it with 5L limit without asking any income documents.

    Reply
    1. A S

      Bharat
      How you get this much limits ? did you applied on card on card basis , what was your credit limits at that time ?

      Reply
  19. Himanshu

    I have gone with manual application but they have rejected as 3 months before my ITR is just 3 lacs but now its 9.

    I will try to go for LE if not what would you suggest my next card be?

    I am leaning towards amex Gold charge/Mrcc. Eligiblity is 6 lacs. Do you think i would have get a card from them as i have 9 lacs ITR

    Reply
  20. Madhuri Bharatiya

    I hold SBI card from last 18 months. They have not increased limit even once. My spends are more than 7 lakhs. I have raised a complaint to nodal officer. Lets see what happens.

    Reply
  21. Manish

    I have ICICI platinum card.I m working in ONGC.
    ICICI agent have setup a camp for providing lifetime free coral cards for ONGCIANS .
    I want to know that can I close my previous platinum credit card and apply fresh for ICICI coral card for free lifetime.Is it possible?will it be hurting my credit score?
    Kindly give your suggestions.
    Thanks

    Reply
  22. Vinod Kannan

    I hae 3 SBI credit cards mapped to my cibil. Whenever i changed the card type, they have updated it as a new card by closing the old one. 1st is Platinum, then Signature n then Simply Click

    Reply
  23. Prabhat

    Hi Siddharth
    I am using SBI Simply Click with 1 lakh limit for the last one year. I want to upgrade it to SBI Prime. Should I first go for credit enhancement of my existing card and then apply for Prime. With my existing salary the sbicard website is calculating my credit limit as 2.25 lakh. Will this limit make me eligible for SBI Prime. After how much time of my credit enhancement can I apply for Prime.

    Reply
  24. Himanshu

    Here’s my upgrade story:
    I applied for SBI SimplySave in November 2017 which was approved in December 2017. After exactly 7 months from the date of approval, I got an offer to upgrade my card to SBI Air India Platinum Card. (That was really quick)
    I thought of upgrading my card to SBI Prime and called customer support for the same. They told me that I can upgrade to SBI Prime and I’ll be receiving a call back from eligibility team for the final approval but the eligibility team rejected the upgrade request stating some internal policies.
    One month later, I got a call from SBI Cards and they told me that I can upgrade to Air India Platinum Card. I told them I just want to upgrade to Prime. The customer care rep connected the call to some team where they took the request again and the card arrived within 7 days.
    Now the struggle didn’t end here. I am unable to do any online transaction with this new upgraded card. I have raised a complaint via mail, call, and SMS but they have closed the complaint without solving it.
    I am getting the following error while trying to do any kind of online transaction:
    “Your SBI Card details are currently not available on our system.”
    Has anyone any idea about this issue?

    Reply
  25. Captain Bishuddha Bharatiya

    SBI is unbelievably fast in increasing limit. Within 8 hours of submitting documents they increased limit in my friend’s card.

    Reply
  26. Sarthak

    I’ve SBI Signature with a limit of 1.45L

    I entered my gross monthly income as 10L just to check how much LE is available for me. It said I’m already at the max limit available for my card. Is it true? I mean 1.45L is really the max limit for SBI signature cards?

    What are my options? Is Signature the best card SBI has to offer or is there any other higher card available for SBI?

    Reply
  27. Santosh Prasad

    After reading this article I also applied for LE on my sbi prime card the site calculated enhancement of 54000 from my previous limit. I uploaded 2 recent salary slips. But after 2 days it was rejected. Called customer service team they told me to re-upload the salary slip after self attestation. I did it. My limit was enhanced today.. Thanks siddharth.

    Reply
  28. Himanshu

    Hello sid sir and everyone

    What should be credit usage to be considered for SBICARDS to increase the limit?
    I also have HDFC regalia card. In past i use almost 80-90% of credit limit. BUT thanks to sid sir and many others at cardexpert now i stay within 30%. I am getting offers like insta loan and insta jumbo loan. Even my limit was increased to 4X two months back.
    I have given Self-attested ITR for the limit increase in SBI CARD. Let’s hope for the best.

    Reply
    1. Siddharth Post author

      Maxing out credit limit once every 6 months is good too.

      Reply
      1. Mickey G.

        Incredible website Mr. Sid! I have discovered it too late I think!!

        Since so many years I’ve done tons of transactions across 3 very basic cards – ICICI coral, Citi rewards and HDFC money-back with a total limit of 5l. All have offered me LE, but I don’t need more on these cards.

        I thought I had great cards till I read your website since last 5-6 days. With great enthusiasm I applied for the SBI Prime card online, and after 2 Tele+physical verification, they rejected it. Talk of rubbing salt into wounds😣.

        I have always paid before time, CIBIL is 805, ITR is 11.50, self employed.

        Any ideas why they declined?? Should I apply to some other card?

        Reply
        1. Mickey

          My own update – escalated to Nodal Officer and the card was still declined with the same reason- internal policies.

          Looks like SBI really don’t like self employed people even with a CIBIL of 800 and my oldest card is Citi with 20 year old history.

          Which really brings up the Q – how much does the CIBIL score really matter??

          Reply
          1. Malavkumar Patel

            It’s strange, I received a call one fine day from SBI employee offering me Simply Click credit card without ITR or any Card on Card offer, I took the offer immidiately and received the card after 15 days,
            I have an account with SBI Bank and employee was sitting in the branch who was probably working for SBI Cards.

        2. Himanshu

          Hey Mickey,

          That’s very weird actually. Try to escalate to Nodal. Your income + cibil is good. You will get a SBI card for sure. One of my friend have similar case he escalted to nodal and after 2 days he got the message that card is approved and will be dispatched in 3-4 days.

          Hope it helps.

          Reply
  29. Hardik

    Thanks for the post 🙂 being this site from couple months, brought hdfc dinner miles credit card after checking review, kudos to this amazing site for every detail on credit cards appreciated! Upgraded my credit limit after this post from 30k to 63k by spending itr it showed 90k but still they upgraded to 63k! Thanks sid for wonderful site on credit card!

    Reply
  30. Mickey

    Sid –

    How does Card against FD work? I know they put a lien on your FD, so this lien remains forever while you hold the card?

    Reply
    1. Shivi

      Yes. The lien remains as long as you hold the Card. if you want to close the FD, the card needs to be closed first (and all outstanding dues paid).

      Reply
      1. Himanshu

        @shivi

        In some cases if high NRV is maintained with good usage and payment . They release from lien.

        Reply
  31. Advait Sontakke

    Hi Siddharth,

    I tried to check my eligibility for limit increase and this is what I saw. I tried with higher income numbers as well. But, error remains same. I have limit of 2.04 Lakhs and I have pretty good spends here. Card age is 17 Months. Also, I tried on my dad’s account as well. it shows same error. He has 3.5 L credit limit.

    ——–xxxx————-
    Sorry!

    Based on our internal assessment, you already have the maximum eligible credit limit. Please try again later.

    ——–xxxx————-

    Reply
  32. Madhuri Bharatiya

    Today for the first time I got automatic limit emhancement offer for my SBI Prime. Old limit was 70k and now new limit is 98k. I am so so happy. Card is total 18 months old and total spends was about 9 to10 lakhs.

    Reply
  33. Manikanta

    I have been using SBI SIMPLY Click and my recent upgrade request to SBI Prime is rejected even though I have been using Simply Click for the past 2 years with a decent spending. I had a successful LE in August month for Simply Click. Is that the reason for my upgrade rejection? Even escalation to Nodal Officer level didn’t help. Should I try after 6 months of LE for upgrade?

    Reply

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