Devendra Singh Negi,Armaan Joshi
Contributor,Editor
Editorial Note: This content has been independently collected by the Forbes Advisor team and is offered on a non-advised basis. This content is not part of the comparison service provided by RunPath Regulatory Services. Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations.
When it comes to high limit credit cards, discerning consumers seek more than just purchasing power—they crave exclusive perks, unparalleled benefits, and exceptional service. The world of high limit credit cards caters to these desires, offering a select few access to prestigious rewards, luxurious travel experiences, and elite customer service.
From premium travel cards that grant access to airport lounges and concierge services to prestigious rewards cards that offer cash back, points, or miles on every purchase, the best high limit credit cards redefine the notion of financial flexibility.
Whether you’re a frequent traveler, a luxury connoisseur, or simply someone who appreciates the finer things in life, these elite credit cards elevate your spending power to new heights while delivering an unmatched level of prestige and privilege.
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- Featured Partners
- Best High Limit Credit Cards
- Infinia Credit Card
- Flipkart Axis Bank Credit Card
- HDFC Regalia Credit Card
- Axis Magnus Credit Card
- Axis Bank Reserve Credit Card
- Forbes Advisor Ratings
- Which credit cards have the maximum credit limit?
- Featured Partners
- How can one obtain the maximum credit limit from a credit card?
Featured Partners
Featured Partners
1
SBI Cashback Credit Card
Annual Fees
INR 999 + 18% GST (Renewal Fee Waived on INR 2 Lakh annual spend)
Features
5% Cashback on online* spends with no merchant restrictions
Additional Benefits
1% Cashback on offline* spends, 1% Fuel Surcharge Waiver at all petrol pumps in India
On SBI’s secure website
2
Axis Bank Ace Credit Card
Annual Fee
INR 499 waived off on annual spend of INR 2,00,000
Benefits
5% cashback on bill payments, 4 complimentary lounge visits per year
Other Benefits
1% fuel surcharge waiver at all fuel stations
On Axis’s secure website
3
SBI SimplyCLICK Card
Annual Fees
INR 499 + GST (Renewal Fee Waived on INR 1 Lakh annual spend)
Welcome benefit
Get Amazon gift card worth INR 500
Additional benefits
10X Reward Points on online spends, 1% fuel surcharge waiver and INR 2000 e-Vouchers for spends of INR 1 lakh+
On SBI’ secure website
Best High Limit Credit Cards
- Infinia Credit Card
- Axis Magnus credit card
- Flipkart Axis Bank Credit Card
- HDFC Regalia Credit Card
- Axis Bank Reserve Credit Card
FEATURED PARTNER OFFER
Infinia Credit Card
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Annual Fee
INR 12,500 + 18% GST
Welcome Gift
12,500 reward points
Credit Limit
Up to 10 lakh
Annual Fee
INR 12,500 + 18% GST
Welcome Gift
12,500 reward points
Credit Limit
Up to 10 lakh
Why We Picked It
The Infinia credit card stands out as a premium offering, providing exclusive perks and rewards tailored to its clientele. With a generous credit limit and competitive interest rates, it offers financial flexibility and value.
Additionally, cardholders gain access to a suite of premium benefits, including airport lounge access, travel insurance, concierge services, and cashback across various spending categories. Perfect for individuals seeking both luxury and savings, the Infinia credit card is an ideal choice for those looking to elevate their lifestyle while managing expenses wisely.
Benefits:
- Upon card activation, customers are granted 12,500 points, kickstarting their journey with exclusive benefits.
- A complimentary one-year Club Marriott Membership, unlocking up to 20% discounts on dining and stays throughout the Asia-Pacific region.
- Annually acquire 12,500 reward points, serving as a valuable offset against the previous year’s annual fee.
- Redemption of the fee is attainable upon reaching an expenditure threshold of INR 10 lakh, excluding the 12,500 reward points.
- 5 reward points for every INR 150 spent, encompassing diverse retail expenses like insurance, utilities, education, and rent payments.
- 10 times reward points on travel and shopping expenditures made via SmartBuy.
- Complimentary golf coaching at select Indian courses and unrestricted complimentary rounds of golf at leading Indian and select international courses.
- Insurance coverage for loss of the card, resulting in zero liability for fraudulent transactions when promptly reported to the 24-hour call center.
- Favorable 2% markup on foreign currency transactions, notably lower than the typical 3.5%.
- Revolving balances with an annual interest rate of 43.2% as of 9/22/2021, subject to potential fluctuations.
- Round-the-clock customer support for assistance with inquiries at any time.
- 1% fuel surcharge waiver on transactions exceeding INR 400 at all fuel stations across India.
- Complimentary nights and weekend buffets at participating ITC Hotels.
- An accidental air death cover of INR 3 cr.
- Emergency overseas hospitalization coverage up to INR 50 lakh.
- A credit shield cover of INR 9 lakh.
FEATURED PARTNER OFFER
Flipkart Axis Bank Credit Card
On Axis's secure website
Annual Fee
INR 500 + taxes
Welcome Gift
Multiple
Credit Limit
Up to 5 lakh
Why We Picked It
With the Flipkart Axis Bank Credit Card, cardholders can have a maximum credit limit of up to 5 lakh, providing ample flexibility for their spending needs. In addition to this, the card offers attractive rewards and benefits, including a 50% discount up to INR 100 on the first Swiggy order using a designated code, making dining experiences more affordable and enjoyable.
Furthermore, users can avail themselves of a 5% cashback on Flipkart spends, adding value to their online shopping experiences.
Benefits
- Users get INR 500 worth of Flipkart vouchers with your first transaction.
- 50% discount up to INR 100 on your first Swiggy order using a designated code.
- 5% cash back on Flipkart spends.
- Unlimited 4% cash back on Preferred Merchants such as Swiggy, TATA Play, Uber, PVR, Cleartrip, and Cult.fit.
- Unlimited 1.5% cash back on other eligible categories.
- Benefit from four complimentary lounge visits to select airport lounges within India per calendar year.
- 1% fuel surcharge waiver on fuel purchases at all fuel stations for transactions between INR 400 and INR 10,000.
- 15% discount of up to INR 500 at partner restaurants across India.
- Convert any transaction over INR 2,500 to EMIs for added flexibility.
FEATURED PARTNER OFFER
HDFC Regalia Credit Card
On HDFC's secure website
Annual Fee
INR 2,500+ taxes
Welcome Gift
Multiple
Credit Limit
Up to 5 lakh
Why We Picked It
The HDFC Regalia credit card stands out not only for its rewards and benefits but also for its substantial credit limit, which can reach up to 5 lakh. Despite its slightly higher annual fee, cardholders receive 2500 reward points upon payment, each valued at 50 paise, effectively offsetting a portion of the expense.
With its comprehensive insurance coverage, including INR 1 cr for accidental death in an aircraft crash when used for ticket bookings, and a cover of INR 15 lakh for hospitalization abroad, the card offers both financial security and valuable perks.
Benefits
- Welcome benefits include Complimentary Club Vistara Silver Tier and MMT Black Elite membership.
- 1,500 worth vouchers quarterly on spends of INR 1.5 lakh.
- Receive 5,000 worth flight vouchers annually on spends of INR 5 lakh, with an additional voucher of INR 5000 on spends of INR 7.5 lakh.
- 5X reward points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital.
- Complimentary lounge access at over 1000 airports.
- 4 reward points on every INR 150 spent on retail spends.
- Zero lost card liability with immediate reporting to the 24-hour call center.
- 2% foreign currency markup on all foreign currency spends.
- Exclusive 24/7 concierge services.
- 12 complimentary lounge accesses within India.
- Use Priority Pass for up to 6 complimentary lounge access per calendar year outside India.
- On paying joining membership fee, users receive a gift voucher equivalent to Fee Amount of INR 2,500.
- Complimentary Club Vistara Silver Tier and MMT Black Elite Membership upon spending INR 1 lakh and above within 90 days of card issuance.
- Up to 7.5% savings on all restaurant bill payments via Swiggy Dineout at 20k+ restaurants.
- 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer, or Reliance Digital upon spending INR 1.5 lakh in every calendar quarter.
- Renewal fee waiver for the next renewal year upon spending INR 4 lakh in an anniversary year (12 billing cycles).
- Convert big spends into EMI after purchase.
- Accidental air death cover worth INR 1 cr, Emergency overseas hospitalization up to INR 15 lakh, and Credit Liability cover up to INR 9 lakh.
- 4 Reward Points on every INR 150 retail spends, including Insurance, Utilities, and Education, and 20 Reward Points on every INR 150 retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa.
- Redeem reward points on Smartbuy or netbanking for exclusive gold catalog on select premium brands, flights and hotel bookings, air miles conversion, products, vouchers, or statement balance redemption at varying values.
FEATURED PARTNER OFFER
Axis Magnus Credit Card
On Axis's secure website
Annual Fee
INR 10,000 + 18% GST
Welcome Gift
12,500 reward points
Credit Limit
INR 5 lakh
Why We Picked It
The Magnus Credit Card extends a credit limit ranging from INR 25,000 to INR 5 lakh. Alongside unlimited access to both international and domestic airport lounges, cardholders benefit from VIP assistance services up to eight times annually, streamlining various airport procedures.
Additionally, the card offers nine complimentary visits for accompanying guests, enhancing its value proposition.
Features
- Subscribers are presented with the choice of receiving either a complimentary domestic flight ticket or a Tata CLiQ voucher valued at INR 10,000 as an annual benefit.
- An interest rate of 2.5% on extended credit.
- A foreign currency markup fee of 2%.
- No cash withdrawal fee.
- A fuel surcharge waiver of 1% for transactions ranging from INR 400 to INR 4,000.
- 25,000 EDGE reward points equivalent to INR 5,000 for monthly spends exceeding INR 1 lakh.
- 5X EDGE rewards on travel expenditures via TRAVEL EDGE.
- 12 EDGE reward points for every INR 200 spent.
- 2X EDGE reward points for purchases made at MakeMyTrip, Yatra, Goibibo, and other platforms.
- Access to dedicated concierge services via phone.
- A flat 15% discount and complimentary room upgrade at all Oberoi properties in India.
- A discount of up to INR 500 on the second movie or non-movie ticket when purchasing one.
- Up to 20% off at over 4000 restaurants across India.
- Coverage for air accidents, purchase protection, lost card liability programs, and more.
- Access to expert medical opinions from a panel of world-class specialists.
- Healthcare packages available from SRL Diagnostics, Dr. Lal PathLab, and Metropolis.
FEATURED PARTNER OFFER
Axis Bank Reserve Credit Card
On Axis's secure website
Annual Fee
INR 50,000 + 18% GST
Welcome Gift
Multiple
Credit Limit
5 lakh
Why We Picked It
Benefits:
- Annual fee waived upon spending INR 25 lakh in the previous year.
- Foreign currency markup of 1.5% for international transactions.
- No charges for cash withdrawals.
- Benefit from a 1% fuel surcharge waiver for transactions ranging from INR 400 to INR 4,000 (capped at INR 400 per month).
- Receive a reduced APR of 2.5% on extended credit.
- 50,000 reward points upon card activation and renewal.
- 15 EDGE reward points for every INR 200 spent.
- 2X rewards on international expenditures.
- Club ITC Culinaire membership with a complimentary third-night stay.
- 50% savings on published room tariffs for suites on weekends, along with 25% green points on food and beverage expenses and a bouquet of 10 certificates.
- Accorplus membership, offering a complimentary night stay across the Asia-Pacific region, complimentary room upgrades, and up to 50% off on dining.
- A complimentary lunch buffet for two at Accor Hotels in India.
- Handcrafted Club Marriott Asia-Pacific membership, featuring 20% off on food and beverage expenses and 20% off on the best available rates at participating Marriott Hotels in India, as well as weekend rates in the Asia-Pacific region.
- Offers at Oberoi Hotels and Resorts, including 15% savings on room-only rates and room with breakfast rates, or a complimentary third-night stay, and 50% savings on best available rates for suites.
- Postcard Hotels: 15% off on the best available room rate and anytime check-in and check-out.
- 50 complimentary golf rounds each year at the finest golf courses in India.
- Benefit from counterfeit and lost card liability up to the credit limit.
- Purchase protection of INR 2 lakh.
- Coverage for loss, delay in baggage, and personal documents amounting to $500.
- Credit shield of INR 5 lakh.
- Air accident coverage of INR 450 lakh.
- One complimentary information session and a 25% discount on all health and wellness coaching plans.
- Referral-based service for a second medical opinion with world-class specialists.
- Savings on healthcare packages and pathology tests at Dr. Lal Pathlabs and Metropolis.
Forbes Advisor Ratings
Best High Limit Credit Cards | Company – Logo | Forbes Advisor Rating | Forbes Advisor Rating | Annual Fee | Welcome Gift | Credit Limit | Learn More CTA text | Learn more CTA below text | LEARN MORE |
---|---|---|---|---|---|---|---|---|---|
Infinia Credit Card | 4.0 | INR 12,500 + 18% GST | 12,500 reward points | Up to 10 lakh | View More | ||||
Flipkart Axis Bank Credit Card | 4.0 | INR 500 + taxes | Multiple | Up to 5 lakh | View More | ||||
HDFC Regalia Credit Card | 3.5 | INR 2,500+ taxes | Multiple | Up to 5 lakh | View More | ||||
Axis Magnus Credit Card | 3.0 | INR 10,000 + 18% GST | 12,500 reward points | INR 5 lakh | View More | ||||
Axis Bank Reserve Credit Card | 2.5 | INR 50,000 + 18% GST | Multiple | 5 lakh | View More |
Which credit cards have the maximum credit limit?
Premium Credit Cards:
- Premium credit cards, such as those offered by American Express, Visa Signature, and Mastercard World Elite, are known for their exclusive benefits and perks, including higher credit limits.
- These cards often cater to individuals with higher incomes and excellent credit histories, making them more likely to be approved for larger credit limits.
- Premium cards may offer additional features such as travel rewards, concierge services, airport lounge access, and insurance benefits, further enhancing their value proposition.
Co-branded Luxury Cards:
- Co-branded credit cards associated with luxury brands or targeted towards affluent individuals may also provide higher credit limits.
- These cards often come with special privileges and rewards tailored to the brand’s clientele, attracting customers who are willing to spend more and, consequently, are given higher credit limits.
- Examples include co-branded cards with upscale retailers, luxury hotels, or prestigious airlines, which may offer exclusive benefits and higher spending limits to their cardholders.
Factors Determining Credit Limits:
- Credit limits are determined based on various factors, including the applicant’s income, credit history, employment status, and existing debt obligations.
- Lenders assess these factors to gauge the applicant’s creditworthiness and ability to repay debt. Those with higher incomes and better credit scores are typically offered larger credit limits.
- Additionally, lenders may consider the type of card being applied for, with premium and luxury cards often offering more generous credit limits compared to standard cards.
Review and Adjustment:
- Credit card issuers periodically review credit limits and may adjust them based on changes in the cardholder’s financial circ*mstances or credit behavior.
- Responsible credit management, such as making timely payments, maintaining a low credit utilization ratio, and managing existing debts effectively, can help in retaining or even increasing credit limits over time.
Choosing the Right Card:
- While higher credit limits can provide greater purchasing power and flexibility, it’s essential to choose the best credit card that aligns with your financial needs and goals.
- Consider factors such as annual fees, interest rates, rewards programs, and additional benefits when comparing credit card offers.
- Opt for a card that offers a balance of features and benefits suited to your lifestyle and spending habits, rather than solely focusing on the credit limit.
By understanding these factors and choosing a credit card wisely, individuals can secure a credit card with an appropriate credit limit that meets their financial requirements and goals.
Featured Partners
Featured Partners
1
SBI Cashback Credit Card
Annual Fees
INR 999 + 18% GST (Renewal Fee Waived on INR 2 Lakh annual spend)
Features
5% Cashback on online* spends with no merchant restrictions
Additional Benefits
1% Cashback on offline* spends, 1% Fuel Surcharge Waiver at all petrol pumps in India
On SBI’s secure website
2
Axis Bank Ace Credit Card
Annual Fee
INR 499 waived off on annual spend of INR 2,00,000
Benefits
5% cashback on bill payments, 4 complimentary lounge visits per year
Other Benefits
1% fuel surcharge waiver at all fuel stations
On Axis’s secure website
3
SBI SimplyCLICK Card
Annual Fees
INR 499 + GST (Renewal Fee Waived on INR 1 Lakh annual spend)
Welcome benefit
Get Amazon gift card worth INR 500
Additional benefits
10X Reward Points on online spends, 1% fuel surcharge waiver and INR 2000 e-Vouchers for spends of INR 1 lakh+
On SBI’ secure website
How can one obtain the maximum credit limit from a credit card?
To obtain the maximum credit limit from a credit card, individuals can take several steps:
- Maintain a good credit score: Lenders typically offer higher credit limits to individuals with a strong credit history. This involves paying bills on time, keeping credit card balances low, and managing debt responsibly.
- Provide accurate financial information: When applying for a credit card, it’s essential to provide accurate information about income, employment status, and other financial details. Lenders use this information to assess the individual’s creditworthiness and determine the appropriate credit limit.
- Request a credit limit increase: Some credit card issuers allow cardholders to request a credit limit increase after a certain period of responsible card usage. This may involve submitting a request online or contacting customer service.
- Consider a secured credit card: For individuals with limited or poor credit history, a secured credit card can be a good option. With a secured card, the cardholder provides a security deposit, which typically determines the credit limit. Responsible use of a secured card can help build credit and potentially qualify for higher credit limits in the future.
- Demonstrate responsible credit usage: Lenders are more likely to offer higher credit limits to individuals who demonstrate responsible credit usage over time. This includes paying bills on time, avoiding maxing out credit cards, and managing debt effectively.
- Monitor credit reports: Regularly reviewing credit reports can help individuals identify any errors or discrepancies that could potentially impact credit scores and credit limit eligibility. Disputing inaccuracies and maintaining a clean credit report can improve creditworthiness and increase the likelihood of obtaining a higher credit limit.
By following these steps and demonstrating responsible credit management, individuals can increase their chances of obtaining the maximum credit limit from a credit card.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
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