Maximum spending power with the highest credit limits available. Ideal for high spenders and big-ticket purchases.
274 cards ranked | Updated February 2026
Highest possible limit
Minimum upon approval
Predictable range
Limit vs annual fee
₹5.0L
₹5.0L
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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.
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.
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.
