The RBL credit card limit is the maximum balance available on your credit card. The bank decides the credit limit based on various factors like your credit score, income, debts, etc. You can always request the bank to increase your credit limit. 

The total credit limit is the maximum amount that you can get on your credit card and the available credit limit is the amount that you have on your credit card for purchasing. When you cross the credit limit, the bank imposes a penalty called the overlimit fee. 

How Is The RBL Credit Card Limit Determined?

The RBL credit card limit is determined based on the following factors

  • Credit Score: A high credit score is essential to get a higher credit limit. The bank will only give you a low credit limit for a poor credit score and a credit history marked by payment defaults. Also, if you have maintained your credit score for a longer time, you will get a higher credit limit. 
  •  Income: Your income has a huge role in determining your credit limit. 
  •  Debts: The credit card limit is the amount of limit allocated on your card at the time of delivery of the card. It is mentioned on your monthly credit card statement. If you have any loans or debts on your credit card limit, the amountdue will be deducted from the total credit limit. 

The credit utilization ratio or CUR shows how much credit limit you have used. If your CUR is high, then it means that you have used a high amount of credit limit. This will show you as credit-hungry and it will cause a dip in your credit score. On the other hand, if you have a low CUR, it means that you have used your credit limit judiciously. This will show you as financially independent and someone who can manage his/her finances well. This will give you a good credit score. 


How To Increase the Limit on Your RBL Credit Card?

  • Visit a branch of RBL bank and contact an official to increase the credit limit. You have to submit document proofs like income tax returns, salary slips, bank statements, etc. 
  • Visit the bank’s official website and apply for an increase in your credit card limit.