Credit card limit calculator for Australia
Enter one applicant or cardholder to see the credit limit in Australia. It is the lowest of what card behaviour allows, what income carries after other debt payments, the lender’s own income cap and the Australian rule, and the calculator names the one that sets it.
Credit limit
The limit is A$26,000, set by rules in Australia (ASIC). Behaviour gives A$30,000, income carries A$33,333, and the market’s rules allow A$26,908, which reflects an income cap in some markets and a repayment test in others.
High utilisation with enough statements paid in full earns the large increase.
Candidate limits
The lowest candidate is the limit, and a candidate with no cap has no bar.
Market rules for this person
| Rule | Cap for person | Applies |
|---|---|---|
| There is no cap on the limit, and the full limit has to be repaid within 36 months at 20% a year from what income leaves after other debt payments. | A$26,908 | Yes |
These summaries cover each regulator’s rule for this tool and do not reproduce the full text. The issuer checks the current text. The lowest applicable cap is the market’s cap.
Behaviour decision table
| Months on book | Missed payments | Utilisation | Paid in full | Limit action |
|---|---|---|---|---|
| <6 | ANY | ANY | ANY | Hold limit |
| >=6 | >=2 | ANY | ANY | Cut by 50% |
| >=6 | 1 | ANY | ANY | Hold limit |
| >=6 | 0 | >=70% | >=50% | Raise by 50% |
| >=6 | 0 | >=70% | <50% | Hold limit |
| >=6 | 0 | >=30% | ANY | Raise by 25% |
| >=6 | 0 | <30% | ANY | Hold limit |
Rows paste as decision table cells, and the first matching row wins.
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Run these limit rules inside the credit decision for every application and cardholder, read limits held elsewhere from the bureau at that moment, and test threshold changes on past decisions before they go live. Start free
Show formulas
Behaviour limit, New applicant = Starting income multiple × Monthly net income Behaviour limit, Cardholder = Today’s limit × (1 + Large increase | Small increase) or × (1 − Cut after missed payments) Affordability limit = (Income share for all debt payments × Monthly net income − Other debt payments) ÷ Card payment share of limit Own income cap = Own income cap × Monthly net income Market = Lowest applicable market cap Credit limit = min(Behaviour limit, Affordability limit, Own income cap, Market), Rounded down Rounding step
The affordability limit assumes the card is fully drawn, and the behaviour rules are an example policy to edit, not a standard. Regulatory caps are summaries for this tool and are not legal advice.
How Australia sets card limits
ASIC sets no cap on a credit card limit in Australia. A card or a limit increase is unsuitable if the person could not repay the full limit within three years. The calculator estimates the limit repayable in equal monthly instalments over 36 months at the card’s rate, using income left after other debt payments.
The decision table shows the candidates, and the lowest sets the limit. Which one binds changes by person, so you can use the result to review an applicant or cardholder and edit the example behaviour policy.
Credit card limits in Australia
How is a credit card limit set in Australia?
ASIC sets no cap on the credit card limit. A card or limit increase is unsuitable if the person could not repay the full limit within three years.
What is ASIC’s credit card repayment rule in Australia?
A card or a limit increase is unsuitable if the person could not repay the full limit within three years. The calculator estimates the limit repayable in equal monthly instalments over 36 months at the card’s rate, using income left after other debt payments.
How does income affect a credit card limit in Australia?
The calculator uses income left after other debt payments to estimate what limit can be repaid over 36 months at the card’s rate. The lowest result among the candidates sets the credit limit.
Does Australia have a maximum credit card limit?
Australia has no cap on the credit card limit. The ASIC test concerns whether the person could repay the full limit within three years.
How are credit limit increases assessed in Australia?
The example behaviour policy is editable and considers the cardholder’s use and payment history. The final credit limit is the lowest of the candidates, and the calculator names the one that sets it.