Has anyone got success in recent time(Last one Month) transacting above assigned limit?
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SBI Credit card transaction above the assigned limit

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Deal Subedar
Dastro

After going through many post on DD, I have paid extra amount towards my credit card and tried to make a transaction above my credit card limit.
But
Payment got declined. Got SMS from sbicard that “Transaction declined as you have crossed your domestic online trxn limit of Rs. X”
X= my credit card limit

@guest_999

Has anyone got success in recent time?

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Deal Cadet Deal Cadet
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My sbi card also failed my limit is 30k tried to buy 2.5 lakh oled tv by prepaying the amount task failed successfully. Currently only onecard allows to prepay the amount and increase the limit

Analyst Analyst
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timelord wrote:

My sbi card also failed my limit is 30k tried to buy 2.5 lakh oled tv by prepaying the amount task failed successfully. Currently only onecard allows to prepay the amount and increase the limit

The question I have is did you use the additional 2.2L credit from the card or what happened with that?

Deal Cadet Deal Cadet
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I did it successfully when SBI card had the offer of 10k cashback on 1L transaction earlier this month.

Mobile Guru Mobile Guru
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Login to Sbicard portal (web) or Android App & check Online Transaction Limit
If you’re unable to increase it (even w/ excess credit limit).. then its not possible (By default, it is set to Max credit limit)

Deal Subedar Deal Subedar
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getready wrote:

Login to Sbicard portal (web) or Android App & check Online Transaction Limit
If you’re unable to increase it (even w/ excess credit limit).. then its not possible (By default, it is set to Max credit limit)

Yes, it is set to max.

Mobile Guru Mobile Guru
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Dastro wrote:

Yes, it set to max.

It won’t work then ( Same is the case w/ FK AXIS CC )
Its possible that we can increase it over approved credit limit and so are the success stories

Critic Critic
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My friend did a transaction of 2k over his card limit by paying extra in advance but this was 3-4 months ago. Which method you used to add extra fund to card, adding money directly via sbi card own app/site using sbi debit card/account is the recommended method for such cases?

Deal Cadet Deal Cadet
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getready wrote:

It won’t work then ( Same is the case w/ FK AXIS CC )
Its possible that we can increase it over approved credit limit and so are the success stories

So you can’t use flipkart axis card beyond given limit ?

Mobile Guru Mobile Guru
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dark.demon wrote:

So you can’t use flipkart axis card beyond given limit ?

Yep
Approved limit is the max transaction limit (Single*)

Deal Subedar Deal Subedar
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guest_999 wrote:

My friend did a transaction of 2k over his card limit by paying extra in advance but this was 3-4 months ago. Which method you used to add extra fund to card, adding money directly via sbi card own app/site using sbi debit card/account is the recommended method for such cases?

directly via sbi card website

Deal Cadet Deal Cadet
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andromeda wrote:

The question I have is did you use the additional 2.2L credit from the card or what happened with that?

I will use that credit for pay the cc bill for the next 2 years

Critic Critic
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Dastro wrote:

directly via sbi card website

What is the card variant & what is its limit? It maybe possible that sbi allow over limit payment only for cards below a certain limit(me & my friend’s card both having less than 20k limit) & up to a certain over limit(in my case I added around 25k extra while my friend added just a few thousand extra).

Hunk Hunk
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timelord wrote:

I will use that credit for pay the cc bill for the next 2 years

You can request for transfer to bank account from app

Deal Subedar Deal Subedar
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guest_999 wrote:

What is the card variant & what is its limit? It maybe possible that sbi allow over limit payment only for cards below a certain limit(me & my friend’s card both having less than 20k limit) & up to a certain over limit(in my case I added around 25k extra while my friend added just a few thousand extra).

Simply Click

Limit really doesn’t matter,
I have personally checked now with cards of Limit 30k and 80k, same result

Critic Critic
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Dastro wrote:

Simply Click

Limit really doesn’t matter,
I have personally checked now with cards of Limit 30k and 80k, same result

I guess then sbi also stopped it recently just like icici card(it also allowed this at least last year). I will update here if friend make similar transaction in future.

Deal Cadet Deal Cadet
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I am under impression that we can add required amount and do whatever the transaction required irrespective of limit. I never tried such option till today. Off topic: I am not even able to do the under limit transaction with BoB Prime Credit card, for that CC saying so many things which are irrelevant.

Critic Critic
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Fanil wrote:

You can request for transfer to bank account from app

Is this also possible for HDFC cc. Due to a returned item I’ve around 18k balance in that CC.

Hunk Hunk
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cadence wrote:

Is this also possible for HDFC cc. Due to a returned item I’ve around 18k balance in that CC.

Not via app but if you hold an account with hdfc, you can request customer care for this.

Missing