Highest Credit Limits
Maximum spending power with the highest credit limits available. Ideal for high spenders and big-ticket purchases.
306 cards ranked | Updated December 2025
Key Ranking Factors
Highest possible limit
Minimum upon approval
Predictable range
Limit vs annual fee
American Express Centurion
₹1000.0L
IDFC FIRST Private
₹500.0L
₹200.0L
₹100.0L
₹100.0L
₹100.0L
₹100.0L
Priority Visa Infinite
₹50.0L
₹50.0L
Premier Mastercard
₹50.0L
Axis Bank Reserve
₹50.0L
Canara Bank Mastercard World Credit Card
₹50.0L
₹25.0L
₹25.0L
Times Black ICICI Bank
₹25.0L
₹25.0L
American Express Platinum
₹25.0L
Canara Bank Platinum Credit Card
₹25.0L
HDFC BizBlack
₹20.0L
₹20.0L
Emirates Skywards ICICI Emeralde
₹20.0L
InterMiles Voyage Black
₹20.0L
₹20.0L
Avios Visa Infinite (British Airways)
₹20.0L
Insignia Preferred Banking World Card
₹20.0L
Kotak Privy League Signature
₹15.0L
Axis Bank Vistara Infinite
₹15.0L
₹15.0L
₹15.0L
₹15.0L
HDFC Diners Club Black Metal Edition
₹10.0L
YES First Exclusive
₹10.0L
₹10.0L
₹10.0L
YES First Preferred Plus
₹10.0L
₹10.0L
₹10.0L
₹10.0L
British Airways Visa Signature
₹10.0L
Emirates Skywards ICICI Sapphiro
₹10.0L
₹10.0L
₹10.0L
Signature Banking Credit Card
₹10.0L
Emirates World Credit Card
₹10.0L
₹10.0L
Why Credit Limits Matter
Higher credit limits provide more spending flexibility and can improve your credit utilization ratio (keeping it under 30% is ideal). Premium cards often offer limits of ₹10L+ for qualified applicants.
How We Rank Credit Limits
- Maximum limit (60%): Highest available limit (log-scaled to prevent outliers)
- Minimum guaranteed (25%): Floor limit you'll receive upon approval
- Consistency (5%): Predictable floor-to-ceiling ratio
- Value adjustment (10%): High limits on affordable cards rank higher
Maximum Limit
Higher is betterGuaranteed Floor
Minimum you'll getGetting High Limits
- Premium cards: Generally offer higher limits than entry-level cards
- Existing relationships: Your bank may offer higher limits to existing customers
- Income documentation: Higher provable income = higher limits
Who Needs High Limits
- High-net-worth individuals
- Business users with large expenses
- Those making big-ticket purchases
- Users wanting better credit utilization ratios
Maximizing Your Limit
- Request increases: After 6-12 months of good payment history, request limit increases
- Provide income proof: Updated ITR can help increase limits
- Use multiple cards: Multiple moderate limits can equal one high limit
Credit Limit FAQ
How is my credit limit determined?
Banks consider your income, credit score, existing credit obligations, relationship history, and the card type. Premium cards reserved for high-income applicants naturally offer higher limits.
Bottom Line
High credit limits matter for big spenders and credit score optimization. However, having a high limit you don't need provides little benefit—focus on cards matching your actual spending patterns.