📌 My Recent Credit Card Limit Enhancement & Upgrade Journey

Hi everyone,
I wanted to share my recent experiences with credit card limit enhancements and upgrades across different banks. Hopefully, this helps others who are exploring similar options.
---
🔹 Recent Enhancements & Upgrades

Federal Bank
Limit revised: ₹2.61L → ₹3.00L
Card upgraded: Imperio Visa → Celesta Mastercard
Received update today (card already visible on app).

HDFC Bank
15th Aug 2024: Limit enhancement from ₹95K → ₹1.50L (via grievance email).
28th Jul 2025: 2nd enhancement from ₹1.50L → ₹1.85L (again via grievance email).

IndusInd Bank
Initially offered: ₹3.30L, but actual card issued with ₹1.50L.
Raised complaint on 2nd Aug 2025, acknowledgement received.
4th Aug 2025: Received mail that enhancement was processed (subject to approval).
Checked app later → Revised limit: ₹2.50L.

SBI Card
6th Jul 2025: Requested manual enhancement via app.
Limit revised from ₹98K → ₹1.76L (after giving Anumati permission).


ICICI Bank (in progress)
Current limit: ₹3.30L → ₹3.60L (auto enhancement).
Requested via PNO for ₹5.00L.

If approved, plan to apply for an upgrade to IDFC Wealth Card.
---

🔹 Current Card Portfolio

Kotak – Rupay Virtual: ₹1.39L

ICICI – Amazon Pay, Coral, Sapphiro (MC + Amex): ₹3.30L

SBI SimplySave – ₹1.76L

BOB Premier – ₹70K

Standard Chartered EMT – ₹1.67L

HSBC Live+ – ₹2.11L

Federal Celesta – ₹3.00L

Axis Bank – MyZone, Airtel, Privileges Amex: ₹2.60L

IndusInd Tiger – ₹2.50L

Yes Bank – Elite+, Rupay Virtual: ₹84K

HDFC – Millennia, Tata Neu Infinity: ₹1.85L

Roar Bank – ₹1.50L

IDFC Select – ₹2.41L

PNB – ₹1.20L

Uni Card – ₹2.20L

BOB EMT Debit Card

🔹 Key Takeaways from My Journey

Grievance emails work effectively for HDFC enhancements.

Manual enhancement requests (like in SBI) can give significant increases.

IndusInd takes time, but follow-up helps in getting fair limits.

Federal Bank offers smooth upgrades along with limit revisions.

Waiting for ICICI PNO response – if ₹5L approved, will upgrade portfolio further with IDFC Wealth.

 

[SSV]

Hi everyone,
I wanted to share my recent experiences with credit card limit enhancements and upgrades across different banks. Hopefully, this helps others who are exploring similar options.
---
🔹 Recent Enhancements & Upgrades

Federal Bank
Limit revised: ₹2.61L → ₹3.00L
Card upgraded: Imperio Visa → Celesta Mastercard
Received update today (card already visible on app).

HDFC Bank
15th Aug 2024: Limit enhancement from ₹95K → ₹1.50L (via grievance email).
28th Jul 2025: 2nd enhancement from ₹1.50L → ₹1.85L (again via grievance email).

IndusInd Bank
Initially offered: ₹3.30L, but actual card issued with ₹1.50L.
Raised complaint on 2nd Aug 2025, acknowledgement received.
4th Aug 2025: Received mail that enhancement was processed (subject to approval).
Checked app later → Revised limit: ₹2.50L.

SBI Card
6th Jul 2025: Requested manual enhancement via app.
Limit revised from ₹98K → ₹1.76L (after giving Anumati permission).


ICICI Bank (in progress)
Current limit: ₹3.30L → ₹3.60L (auto enhancement).
Requested via PNO for ₹5.00L.

If approved, plan to apply for an upgrade to IDFC Wealth Card.
---

🔹 Current Card Portfolio

Kotak – Rupay Virtual: ₹1.39L

ICICI – Amazon Pay, Coral, Sapphiro (MC + Amex): ₹3.30L

SBI SimplySave – ₹1.76L

BOB Premier – ₹70K

Standard Chartered EMT – ₹1.67L

HSBC Live+ – ₹2.11L

Federal Celesta – ₹3.00L

Axis Bank – MyZone, Airtel, Privileges Amex: ₹2.60L

IndusInd Tiger – ₹2.50L

Yes Bank – Elite+, Rupay Virtual: ₹84K

HDFC – Millennia, Tata Neu Infinity: ₹1.85L

Roar Bank – ₹1.50L

IDFC Select – ₹2.41L

PNB – ₹1.20L

Uni Card – ₹2.20L

BOB EMT Debit Card

🔹 Key Takeaways from My Journey

Grievance emails work effectively for HDFC enhancements.

Manual enhancement requests (like in SBI) can give significant increases.

IndusInd takes time, but follow-up helps in getting fair limits.

Federal Bank offers smooth upgrades along with limit revisions.

Waiting for ICICI PNO response – if ₹5L approved, will upgrade portfolio further with IDFC Wealth.

Very good and useful information.. Keep it up ...

 

[Strange]

PNO

Which email id?
Did you get acknowledgement email from PNO?

 

[Riyon]

Which email id?
Did you get acknowledgement email from PNO?

Sent mail to 3mail id- customersupport@icicibank.com
pno@icicibank.com
headservicequality@icicibank.com
Yes received response from customer support and pno.

 

[HumorSimpson]

For sbi anumati, do we need to give access to salary account or any savings account will do ?

 

[RishiKiDev]

Hi everyone,
I wanted to share my recent experiences with credit card limit enhancements and upgrades across different banks. Hopefully, this helps others who are exploring similar options.
---
🔹 Recent Enhancements & Upgrades

Federal Bank
Limit revised: ₹2.61L → ₹3.00L
Card upgraded: Imperio Visa → Celesta Mastercard
Received update today (card already visible on app).

HDFC Bank
15th Aug 2024: Limit enhancement from ₹95K → ₹1.50L (via grievance email).
28th Jul 2025: 2nd enhancement from ₹1.50L → ₹1.85L (again via grievance email).

IndusInd Bank
Initially offered: ₹3.30L, but actual card issued with ₹1.50L.
Raised complaint on 2nd Aug 2025, acknowledgement received.
4th Aug 2025: Received mail that enhancement was processed (subject to approval).
Checked app later → Revised limit: ₹2.50L.

SBI Card
6th Jul 2025: Requested manual enhancement via app.
Limit revised from ₹98K → ₹1.76L (after giving Anumati permission).


ICICI Bank (in progress)
Current limit: ₹3.30L → ₹3.60L (auto enhancement).
Requested via PNO for ₹5.00L.

If approved, plan to apply for an upgrade to IDFC Wealth Card.
---

🔹 Current Card Portfolio

Kotak – Rupay Virtual: ₹1.39L

ICICI – Amazon Pay, Coral, Sapphiro (MC + Amex): ₹3.30L

SBI SimplySave – ₹1.76L

BOB Premier – ₹70K

Standard Chartered EMT – ₹1.67L

HSBC Live+ – ₹2.11L

Federal Celesta – ₹3.00L

Axis Bank – MyZone, Airtel, Privileges Amex: ₹2.60L

IndusInd Tiger – ₹2.50L

Yes Bank – Elite+, Rupay Virtual: ₹84K

HDFC – Millennia, Tata Neu Infinity: ₹1.85L

Roar Bank – ₹1.50L

IDFC Select – ₹2.41L

PNB – ₹1.20L

Uni Card – ₹2.20L

BOB EMT Debit Card

🔹 Key Takeaways from My Journey

Grievance emails work effectively for HDFC enhancements.

Manual enhancement requests (like in SBI) can give significant increases.

IndusInd takes time, but follow-up helps in getting fair limits.

Federal Bank offers smooth upgrades along with limit revisions.

Waiting for ICICI PNO response – if ₹5L approved, will upgrade portfolio further with IDFC Wealth.

Did HDFC ask for documents for limit enhancement?

 

[Riyon]

For sbi anumati, do we need to give access to salary account or any savings account will do ?

For my case i have given access for my salary ac so that they get an idea regarding my net income.

 

[Riyon]

Did HDFC ask for documents for limit enhancement?

Yes 3months payslip and bank statement.

 

[SSV]

For sbi anumati, do we need to give access to salary account or any savings account will do ?

you can give anything.. the point here is: depending what you give, the chances will vary..
so if you want to have better chances you need to give the details of the best bank account where you will have a lot of regular credits with income items..

 

[Credit_Cards]

Hi everyone,
I wanted to share my recent experiences with credit card limit enhancements and upgrades across different banks. Hopefully, this helps others who are exploring similar options.
---
🔹 Recent Enhancements & Upgrades

Federal Bank
Limit revised: ₹2.61L → ₹3.00L
Card upgraded: Imperio Visa → Celesta Mastercard
Received update today (card already visible on app).

HDFC Bank
15th Aug 2024: Limit enhancement from ₹95K → ₹1.50L (via grievance email).
28th Jul 2025: 2nd enhancement from ₹1.50L → ₹1.85L (again via grievance email).

IndusInd Bank
Initially offered: ₹3.30L, but actual card issued with ₹1.50L.
Raised complaint on 2nd Aug 2025, acknowledgement received.
4th Aug 2025: Received mail that enhancement was processed (subject to approval).
Checked app later → Revised limit: ₹2.50L.

SBI Card
6th Jul 2025: Requested manual enhancement via app.
Limit revised from ₹98K → ₹1.76L (after giving Anumati permission).


ICICI Bank (in progress)
Current limit: ₹3.30L → ₹3.60L (auto enhancement).
Requested via PNO for ₹5.00L.

If approved, plan to apply for an upgrade to IDFC Wealth Card.
---

🔹 Current Card Portfolio

Kotak – Rupay Virtual: ₹1.39L

ICICI – Amazon Pay, Coral, Sapphiro (MC + Amex): ₹3.30L

SBI SimplySave – ₹1.76L

BOB Premier – ₹70K

Standard Chartered EMT – ₹1.67L

HSBC Live+ – ₹2.11L

Federal Celesta – ₹3.00L

Axis Bank – MyZone, Airtel, Privileges Amex: ₹2.60L

IndusInd Tiger – ₹2.50L

Yes Bank – Elite+, Rupay Virtual: ₹84K

HDFC – Millennia, Tata Neu Infinity: ₹1.85L

Roar Bank – ₹1.50L

IDFC Select – ₹2.41L

PNB – ₹1.20L

Uni Card – ₹2.20L

BOB EMT Debit Card

🔹 Key Takeaways from My Journey

Grievance emails work effectively for HDFC enhancements.

Manual enhancement requests (like in SBI) can give significant increases.

IndusInd takes time, but follow-up helps in getting fair limits.

Federal Bank offers smooth upgrades along with limit revisions.

Waiting for ICICI PNO response – if ₹5L approved, will upgrade portfolio further with IDFC Wealth.

Good work mate