How to Check SBI Credit Card Limit? – Guide

Credit cards have completely transformed the way we manage our finances. Credit card offers a convenient and secure way to make purchases, pay your bills, and even handle financial emergencies. Moreover, these credit cards also come with a myriad of benefits, such as reward points, special offers, and more. One bank which offers such credit cards is the State Bank of India (SBI). It offers a variety of credit cards tailored to your different needs. However, to manage your spending and avoid over-limit fees, it is crucial to know your credit card limit. Wondering how to check your SBI credit card limit? Don’t worry, in this blog, we’ll tell you about the 10 different ways to do an SBI credit card limit check.

How to Check SBI Credit Card Limit?

If you were thinking about how to check credit card limit SBI, you’ve come to the right place. Here are 10 different ways for a quick SBI credit card credit limit check: 

Chatbot ILA

• Go to the SBI Chatbot website – https://ila.sbicard.com/.

• Login to ILA using your user ID and password.

• Now ask ILA about the information you need such as your available SBI credit limit, cash limit, outstanding payment, etc.

SBI Credit Card Netbanking

• Go to https://www.sbicard.com/.

• Log in to your SBI Card account by adding your mobile number, user ID,  or card details.

• Now check your Account Summary section to see your available credit and cash limit.

Also Read: How to Close or Cancel SBI Credit Card?

SBI Card Mobile App

• Download the SBI Card mobile app.

• Log into the SBI Card Mobile App with your credentials.

• Once you’re logged in, simply check under the Summary Tab to see the available credit limit and cash limit on your SBI Credit Card.

Missed Call Service

• Need an easier way to check your SBI Credit Card limit? Just give a Missed Call on 8422845513 from your registered mobile number.

• You will instantly receive an SMS on your registered mobile number with the latest information about your available credit & cash limit.

SBI SMS Banking

• Another easy way to know your SBI Credit Card limit is by sending an SMS with the text BAL <last four digits of your SBI credit card number> to 5676791 from your registered mobile number.

• You can also send a text that reads AVAIL <last four digits of your SBI credit card number> to 5676791 from your registered mobile number to get details about your available credit and cash limit.

• Once you send either of these messages, you’ll immediately receive an SMS with all the details regarding your credit and cash limit.

Also Read: Credit Card Balance Refund – Process, Time & Everything

Call Customer Care

• Call any one of the SBI helpline numbers at 1860 180 1290 (toll-free) or 39 02 02 02 (use local STD code as prefix).

• Once the call is received, select the language for communication as per your preference.

• Now press ‘1’ to go to the section that contains information regarding your credit card.

• Then, press ‘1’ again and enter the required details of your SBI Credit Card.

• Once approved, you can listen to your credit card account-related information on the phone such as your available credit limit, cash limit, outstanding balance, etc.

Check Monthly Statement

• Another one of the easiest ways to know your credit limit is by downloading the monthly statement you get via email.

• Log in to your registered email ID and search for the SBI Credit Card statement in your emails.

• Now enter a secured password as prompted and you’ll be able to access a digital copy of your SBI Credit Card statement.

Email Requesting Statement

• Not able to find your SBI credit card statement? Simply write an email to the bank with your SBI Credit card details requesting them for a statement at sbicard.com/email.

• Soon you’ll get your e-statement in the mail.

Visit SBI ATM

• Go to the nearest SBI ATM.

• Insert your SBI Credit card into the ATM.

• Click on ‘Credit Card Account Balance’ and enter your credit card PIN.

• Your available credit limit will be visible on your screen.

Visit SBI Branch

• Go to your nearest SBI branch.

• Get in touch with an executive there and request them for your credit card details.

• You’ll be required to provide details such as your credit card number, date of birth, etc. to find out your current credit limit.
• Once you do, the executive will share details regarding your credit and cash limit with you.

How to Increase Your Credit Limit?

Now that you understand how to know your SBI credit card limit, you might want to increase your credit limit. If you do, here’s how you can increase your credit limit on your SBI Credit Card.

• Pre-approved Credit Limit Offer

Basis internal policy, SBI identifies card holders eligible for a higher credit limit. If you’re one of them, you’ll receive an SMS or email with the pre-approved credit limit offer. If you receive an offer, you can easily avail this increased limit without any additional documentation.

• Credit Limit Increase with Income Documentation

If you want to increase your credit limit without having any offer from the bank, you’ll have to get in touch with the bank and submit documents such as Form 16, ITR VI, the last 2 months’ salary slip, or 2-month bank statement.

To conclude, SBI currently offers 10 different ways for you to check your SBI credit card limit. Whether you want to ask their chatbot ILA, give a missed call, or check via net banking or mobile app, you can easily find out your SBI credit card limit and make optimum use of your credit card. Just don’t forget to make timely payments and never exceed your credit limit.