How is your credit card limit decided?

Your age, income, credit score, repayment history, and city of residence decide your credit card limit.
How is your credit card limit decided?
2 mins read
25 Nov 2022

We often ponder over the factors that go into deciding the card limit approved by the financial institution or creditor. We want to demystify the world of credit cards for you and help you with information that comes handy when you apply for a credit card.

We use some personal information to decide on a pre-approved limit for you, as listed below.


We offer a credit card with a pre-approved limit to both our existing and new customers who fall within the age bracket of 21 and 70 years old.

Regular income:

Your income is an essential factor that decides your card limit. You must have a consistent income either through salary or a self-owned business. It may also depend on your earning capacity; if you have a higher income, your credit limit may also be higher.

However, you must note that if you already have other parallel loans, your chance of getting a card offer is limited. Hence, clearing some of your loans on time is always good.

Credit score:

Your credit score is the most significant norm for us to consider when deciding. Organisations like credit bureaus (TransUnion, CIBIL, Experian, etc.) are responsible for keeping track of your credit score. These agencies keep a record of your loans, credit cards, and payback history.

If you have a higher credit score, you not only have a better chance of being approved for the card, but you can also get a bigger limit. Those interested in getting any of our credit cards must maintain a minimum CIBIL score of 720. This is intentionally kept at a higher side to ensure we can offer more significant loan amounts.

Repayment history:

Making on-time payments of your EMIs is a healthy habit that validates that you are good with money. Your credit score will increase if you are punctual with the payments of any EMIs you have. But it may suffer if you are late with even one of your monthly payments, which is why, Har time, EMI on time.


The city you reside in may also impact your credit card limit. If you are in a metro city, your offer may be higher than a person living in tier 2 city. This is because we assume that, in most cases, the earning capacity is much higher in metros.

Our website has plenty of helpful resources to determine whether you can acquire a credit card, check your credit score and more.


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