Low credit limit in Amex Platinum Travel

[minhazuddin]

Lately, I got Amex Platinum Travel and the limit given is 75K. I feel that 75K is not the limit to reap the full benefits of Platinum Travel considering its high annual fees. A premium card should not have such limit. What should I do to increase the limit?

 

[minhazuddin]

Amex gold is also coming with this same design India. from the last couple of months.
And I recently got approved for amex plat travel. this is the highest limit card I hold now. but boy this card design is old

What limit they provided you

 

[gg123]

What limit they provided you

4.47L .
My next highest card is ICICI plat - 2.7L

 

[minhazuddin]

4.47L .
My next highest card is ICICI plat - 2.7L

Amex is sometime amazing.

 

[S D S]

Me who is holding SE with 25K👀🤭

25k limit hota hai?! Hadd ho gayi 😅

 

[Zacobite]

Lately, I got Amex Platinum Travel and the limit given is 75K. I feel that 75K is not the limit to reap the full benefits of Platinum Travel considering its high annual fees. A premium card should not have such limit. What should I do to increase the limit?

wait 6 months.. use it well.. call customer service.. they will increase on the phone

 

[minhazuddin]

wait 6 months.. use it well.. call customer service.. they will increase on the phone

Sure. Will definitely follow it.

 

[ra007]

My smartearn limit increased to 4.80L after six months.

 

[Strange]

25k limit hota hai?! Hadd ho gayi 😅

Still better than 10K in HDFC Millennia and SBI Cashback card. 🤔🤣

 

[varun__goel_]

My smartearn limit increased to 4.80L after six months.

Initial limit?
And requested on call or recd offer?

 

[ra007]

Initial limit?
And requested on call or recd offer?

Initial limit 3.50
Auto

 

[ALOAK]

I think 75K is their lowest limit.

My first amex card limit was 25k and I moved to 40k in next 5months and after a year I moved upto 1.30lakhs on smart earn which I closed and my travel plat came with limit 1.50lkhs and moved to 1.80lkhs in next six months now it is 432000. If they see you using judiciously and pay in full they will start increasing it or you can call them and ask limit as they review the cards every six months.

 

[ALOAK]

I think 75K is their lowest limit.

My first amex card limit was 25k and I moved to 40k in next 5months and after a year I moved upto 1.30lakhs on smart earn which I closed and my travel plat came with limit 1.50lkhs and moved to 1.80lkhs in next six months now it is 432000. If they see you using judiciously and pay in full they will start increasing it or you can call them and ask limit as they review the cards every six months

 

[minhazuddin]

My first amex card limit was 25k and I moved to 40k in next 5months and after a year I moved upto 1.30lakhs on smart earn which I closed and my travel plat came with limit 1.50lkhs and moved to 1.80lkhs in next six months now it is 432000. If they see you using judiciously and pay in full they will start increasing it or you can call them and ask limit as they review the cards every six months

In your case, did you request them to evaluate your limit or they sent you LE themself.

 

[ALOAK]

In your case, did you request them to evaluate your limit or they sent you LE themself.

First le was auto increase then second I called them up after six months they did and then they auto le . Actually they send email abt it else you have yo call them up.

 

[emadiqbalali]

They provided me with 1L limit on Plat Travel even when I am holding MRCC with 2.3L.

 

[minhazuddin]

First le was auto increase then second I called them up after six months they did and then they auto le . Actually they send email abt it else you have yo call them up.

Thanks for the info

 

[minhazuddin]

They provided me with 1L limit on Plat Travel even when I am holding MRCC with 2.3L.

Amex is hard to understand. I'm holding 3 Amex and the experience for all three cards were totally different. First application was stuck for 2-3 months, 2nd application was approved in a week, and 3rd application was approved in 2 days. My 2nd and 3rd card application was applied within 10 days but still Amex required me to send income documents (even though it was provisionally approved without income verification documents). My limit on MRCC is 50K where as Platinum Travel is 75K when all my other bank cards have limit in lacs.

 

[emadiqbalali]

Amex is hard to understand. I'm holding 3 Amex and the experience for all three cards were totally different. First application was stuck for 2-3 months, 2nd application was approved in a week, and 3rd application was approved in 2 days. My 2nd and 3rd card application was applied within 10 days but still Amex required me to send income documents (even though it was provisionally approved without income verification documents). My limit on MRCC is 50K where as Platinum Travel is 75K when all my other bank cards have limit in lacs.

At this point, it's safe to say that they are following the footprints of HDFC. xD

 

[minhazuddin]

At this point, it's safe to say that they are following the footprints of HDFC. xD

Yes absolutely correct. Have similar experience HDFC.

 

[ALOAK]

They provided me with 1L limit on Plat Travel even when I am holding MRCC with 2.3L.

Same thing butnother way round plat travel 432k while mrcc is 1lkh only and gold charge not even sure of shadow limit. So using it judiously blind way..