How to Increase Your Nedbank Credit Card Limit

If you have a Nedbank credit card and want to understand how the limit works, how to request an increase, or what might prevent approval, this guide is for you.

We’ll explain, step by step, everything you need to know in a simple and direct way so you can make informed decisions about your Nedbank card.

Understanding the Nedbank Credit Card Limit

The “credit card limit” is the maximum amount you can use for purchases and cash withdrawals before needing to repay part or all of the balance.

At Nedbank, this limit is determined based on your financial profile: income, credit history, other debts, and payment behavior.

In addition, the bank can adjust this limit up or down depending on perceived risk.

How to Request a Nedbank Credit Limit Increase

Requesting a credit limit increase on your Nedbank card is simple and completely digital. The bank offers different ways to apply, either through the Money App or by phone.

Before you start, make sure your income information is up to date, as the bank may ask for supporting documents during the review.

To apply, follow these steps:

1. Open the Nedbank Money App and log in. personal.nedbank.co.za
2. In the menu, select Cards.
3. Choose the option Credit limit increase.
4. Follow the on-screen instructions — you may need to provide proof of income or other supporting documents.
5. If you prefer, you can also call Nedbank customer service at 0860 555 111 and request a limit increase.

Best Practices to Increase Your Credit Limit

Getting a credit limit increase with Nedbank doesn’t just depend on applying — you need to show the bank that you’re a responsible customer.

The institution reviews your financial history, payment habits, and how you use your available credit. Small, consistent actions make a big difference in how the bank evaluates you.

Here are the main practices that can improve your chances of approval:

• Pay your credit card bills on time, without delays.
• Use your card regularly but keep spending within 30%–50% of your current limit.
• Provide up-to-date income documents (payslips, bank statements).
• Reduce other debts or loans that impact your budget.
• Maintain a stable financial profile with regular account activity and savings.

These habits help the bank see you as a low-risk customer.

How Long Does It Take to Increase the Limit?

After submitting your request, the bank performs a credit assessment (affordability check). personal.nedbank.co.za

The review period varies by case but usually takes a few business days. In simpler cases, approval may come quickly if you already have a good payment record.

What Is the Maximum Nedbank Credit Limit?

The maximum limit depends on the customer’s profile and the bank’s internal policy. personal.nedbank.co.za

Some Nedbank documents mention limits of up to R150,000 for certain card types.

However, this amount is not guaranteed for everyone — it depends on your income, credit score, and internal evaluation.

Can I Request a Limit Increase Anytime?

Yes, Nedbank allows you to request a limit increase whenever you need. However, each request goes through a new credit review, where the bank assesses your income, payment history, and recent financial behavior.

That’s why it’s best to make your request when your finances are stable and your credit history is strong — this significantly increases your approval chances.

Is the Credit Limit Increase Automatic?

Not always. Nedbank may automatically offer a limit increase if it identifies that a customer has a solid payment record, uses the card frequently, and maintains a healthy financial profile. In these cases, the bank sees low risk and may raise the limit proactively.

However, this doesn’t happen for everyone. If you don’t receive an automatic increase, you can still apply manually through the app or customer service. The process depends on the bank’s internal policies and your financial behavior.

My Request Was Denied. What Now?

Having your credit limit increase request denied is common and doesn’t mean you can’t try again.

In most cases, denials occur for simple reasons, such as insufficient income, late payments, or high debt levels.

The most important step is to understand why your request was denied and work on improving those factors before reapplying.

Here’s what you can do:

1. Find out the reason for the denial: contact Nedbank and ask for a detailed explanation so you know what to improve.
2. Improve your financial situation: pay off outstanding debts, avoid late payments, and keep your card usage within your current limit.
3. Update your information: submit new income proof or recent statements that show financial improvement.
4. Wait for the right time: give it a few months before reapplying — frequent requests can hurt your chances.
5. Request a smaller increase: sometimes a modest limit raise is easier to approve than a large one.

By following these steps, your chances of approval will be much higher in your next attempt.

Does Having Bad Credit Prevent a Limit Increase?

Yes, having a poor credit record or being listed as a high-risk borrower can make it harder or even impossible for the bank to approve a limit increase.

If you have negative credit, the bank sees greater risk and is likely to reject your request. That’s why it’s essential to pay off debts and clear your name before reapplying.

How Often Can I Request a Limit Increase?

There’s no fixed rule, but applying too often can be seen as a sign of financial stress, which may reduce your chances.

It’s best to wait a few months between requests (for example, 3 to 6 months), especially if your financial situation has improved since the last one.

How to Apply for a Nedbank Credit Card

Applying for a Nedbank credit card is quick and secure. The bank offers several options to suit different financial profiles — from basic cards to those with additional benefits.

Before applying, take a moment to choose the card that best matches your needs and financial situation.

Here’s how to apply step by step:

1. Visit the official Nedbank website or go to a nearby branch.
2. Choose the type of card you want — basic, intermediate, or rewards card.
3. Complete the application form with your personal details, proof of income, and address.
4. Submit the required documents and wait for the bank’s review.
5. Once approved, your card will be issued and mailed to you, or you can pick it up at a branch.

The average delivery time is up to 2 business days, depending on your location and the card type.

How to Contact Nedbank Card Support

If you need to ask questions, resolve an issue, or get information about your Nedbank card, the bank offers several customer service options.

You can contact the support team easily by phone, app, website, or in person at a branch. Choose the most convenient option and get the help you need quickly and safely.

• Customer service number: 0860 555 111
• Visit a Nedbank branch near you.
• Use the chat or support feature on the Money App.
• Check your statement or contract for email or alternative contact channels.