Credit card limit enhancement - OVER LIMIT CONSENT

Is over limit: (with 1L limit card) 

1. Spending 1.1L with 1L limit

Or

2. Spending 1L + paying 1L bill and spending 1L again (2L) in a single cycle

??? 

This could mean multiple things (Since there isn't any specific RBI directive for the same). Only Trial & Error can confirm the actual scenario

1. Per transaction limit and monthly usage limits are gone (Max upto approved limit till date)

2. Over-limit fee for transactions above the sanctioned limit (None if the excess amount is limited to 1% of the limit/5000)

3. No Over-limit fee.. if you've paid excess amount via cc bill payments (usual case with other banks)

Card-issuers shall ensure that the credit limit as sanctioned and advised to the cardholder is not breached at any point in time without seeking explicit consent from the cardholder.

Card-issuers shall seek explicit consent of the cardholder to adjust credit amount beyond a cut-off, one percent of the credit limit or ₹5000, whichever is lower, arising out of refund/failed/reversed transactions or similar transactions against the credit limit for which payment has already been made by the cardholder. The consent shall be obtained through e-mail or SMS within seven days of the credit transaction. The card-issuers shall reverse the credit transaction to the cardholder’s bank account, if no consent/response is received from the cardholder. Notwithstanding the cut-off, if a cardholder makes a request to the card-issuer for reversal of the credit amount outstanding in the card account into his/her bank account, the card-issuer shall do it within three working days from the receipt of such request.