I am getting offer of LTF Cards (LTR, Altura) from AU Bank, but the limit is just, 40000. I wanted is it a good option to take it or should I apply again after a while. The person from AU Bank who called said the limit 'might' increase after some usage. But I am not sure if this will happen, or it's just a sales gimmick? Also, Overall, how generous is AU Bank with the limit?