Understanding
Credit Card limits

Different Credit Cards may have different credit limits.
Here’s what you need to know before you apply.

What is a Credit Card limit?

A Credit Card limit is set when you are approved for a Credit Card and is the maximum amount of credit you can access when using your Card. All Credit Cards have a minimum and maximum credit limit.


Can you change your limit?

Credit Card limits can be changed at any time. If you need more credit, you can request this through our Credit Limit Increase Form. Before you apply for an increase, it is important that you consider your personal financial circumstances. We need to assess your capacity to repay the higher limit before we approve it.

Download Credit Limit Increase Form


What is the highest limit you can apply for?

Our Platinum Credit Cards can have a maximum credit limit of up to $50,000. All other Credit Cards have maximum limits of up to $25,000. However, your limit will depend on your financial circumstances and the Card you choose.


If you lower your Credit Card limit, can you increase it again?

Yes, although there are waiting periods before increasing your credit limit again. You can apply for a credit limit increase to one Credit Card every six months.


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

Your Credit Card will have an agreed credit limit, whereas a Charge Card comes with no pre-set spending limit (your purchases are approved based on a variety of factors, such as your Card spend history). You will also be required to pay the full outstanding balance on your Charge Card every month.

Want to know more about Credit Cards?

Whether you want to know more about Credit Card limits, interest rates, fees, or the increased security you have when travelling overseas with your American Express Card, here’s all the information you need.

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