Credit Limits Explained

Discover how to select the right limit for you.



What is a Credit Card limit?

A Credit Card limit is set when you’re approved for a Credit Card and is the maximum amount of credit you can use on your Card. All Credit Cards have a maximum and a minimum Credit limit.

When you apply for a Credit Card, you’ll have the opportunity to indicate your preferred Credit Card limit. Approval for your new credit line will be subject to our approval criteria. You should ensure that you nominate a Credit Card limit that’s in line with your current financial circumstances. It’s also important to know that choosing a low limit during the application process will not change your chances of approval. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.

Can I change the limit on my Credit Card?

You can request to change your credit limit at any time.

If you need more credit, you can apply for an increase through Online Services, or by calling the number on the back of your Card. We will request information from you so that we can assess whether the limit you request is suitable for you. If we approve your application, your new limit will be available within one hour.

If your limit is higher than you need it to be, you can request a credit limit decrease online or by calling the number on the back of your Card. Your limit cannot be reduced below any minimum limit that applies to your Card, or below the balance you owe on your Account.

We will send you written confirmation of any change to your credit limit.

What is the highest limit I can apply for?

All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose.

If l choose to lower my Credit Card limit, can I increase it again?

Yes, you can apply for a credit limit increase at any time. Approval will be subject to our approval criteria. Managing your credit limit wisely will help you improve your credit score.

How does the limit differ between a Credit Card and Charge Card?

A Credit Card will have a set Credit limit. A Charge Card comes with no pre-set spending limit1, which means your spending limit can vary depending on a variety of factors . You’ll also be required to pay the full closing balance on your Charge card every month.

Tips on staying within your credit limit


Know your credit limit

Knowing your credit limit is the first step to making sure your balance stays under control. You can reduce the risk of going over your limit by making regular payments through one of our many payment options.

Pay off as much as you can

Paying more than the minimum amount required will reduce the amount of interest you’ll be charged and will help you pay your balance off faster.

Make use of our tools

You can log in to your online Account or download the Amex Mobile App to keep track of your spending and more while you’re on the go.

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