You can load up your card by prepaying or repaying before the bill is generated to spend more than your credit limit. Use the ‘Pay More’ or ‘Pay Now’ button to do this.

The following factors will result in an increase in your credit limit

  1. Increase in volume on Razorpay payment gateway

  2. Continuous usage of your card for at least three months

  3. TImely repayments of your generated bill


You can continue to use 100% of your credit limit. Then, repay it before the bill is generated or pre-pay/load the card upfront to increase your spending limit.