Spending limit

Your spending limit is the amount on your credit card which you are able to access every month. This limit is specified by us after the credit assessment. If the installment facility is activated, the spending limit equals the credit limit.

Checking the current limit

You can find the spending limit for your credit card on the last credit card statement in the top left corner. Or in the Swisscard app under "Card account details".

This limit applies in total to all principal and additional cards for the corresponding card account. 

Increasing the credit card limit

You can request a limit increase if you have activated the "installment facility" card feature. To do this, please fill out the limit increase request form.

FAQ spending limit

To find out your credit card limit, simply take a look at your current monthly statement, where you will find your limit listed. You can also find your credit card limit in the Swisscard app under "Card account details". 

A shared spending limit applies to all principal and additional cards.

The spending limit for your credit cards is set for you individually on the basis of the credit assessment and states the financial framework in which you are able to use your credit cards.

Your credit limit may be increased with an improvement in your financial circumstances. 

If you have not activated the "installment facility" card feature and don’t want to activate it, please call our customer service if you want a limit increase.


Legal requirements for limit increases (AML)

Swisscard AECS GmbH must comply with various regulatory requirements. Therefore, if the total spending limit of all your credit cards exceeds 25,000 Swiss francs, we require a certified copy of your ID documents.

More information

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