The need for emergency funds could arise at any time in this ever-changing financial environment. These requirements can be funded in a number of ways. A credit card is one such method. Every credit card, however, has a credit limit that you cannot go over in order to make purchases. Having a high credit limit is essential if you're planning a large purchase, need to pay for unforeseen costs, or just want to improve your credit.

Every credit card has a credit limit that you can't go over when making purchases.

Each SBI card has a different credit limit, which can be influenced by a number of variables. Find out how to raise your SBI credit card's credit limit.

What does an increased credit limit mean?

An increased credit limit means you can make more expenses with your credit card; however, it is essential to use your credit card responsibly to avoid debt.

Pre-approved credit limit offer

The bank identifies credit cardholders who are eligible for pre-approved credit limit enhancement on the basis of internal risk policy. Such cardholders will be informed by the bank through an SMS or e-mail. 

The offer can also be found in their monthly statement and online account. Cardholders will not be required to provide any documents to increase their credit limit through a pre-approved offer.

Also Read | How to successfully close an SBI credit card – A complete guide

How to accept a pre-approved credit limit offer?

• Net banking: Visit the SBI website for credit cards and log into your net banking account. From the left-hand side of the menu, select ‘Offers or Benefits.’ Check for the ‘Credit Limit Increase offer’ option and submit.
• Customer care: You can avail the pre-approved credit limit offer through the customer care helpline number. The bank offers two helplines for credit card queries. 24*7 SBI credit card customer care at 1860-180-1290 or 39 02 02 02 along with STD code to inform about the pre-approved offer and your consent to accept it.
• SMS: Send the last four digits of the SBI credit card from your registered mobile number. Send an SMS 'INCR along with the last four digits of the credit card to 5676791.