The over limit facility in SBI credit card is a service gesture that allows certain transactions attempted by the cardholder which are over and above the credit limit. However, if the outstanding amount exceeds the credit limit, an over-limit fee of 2.5% of the over-limit amount or Rs. 600, whichever is higher, will be levied. Over-limit status may also be applied because of fees and/or interest charges. The over-limit amount is considered as a part of the normal credit limit, and interest is charged on the over-limit amount. The over-limit facility is offered to selected customers based on their usage of the credit card, and there is no set amount for over limit usage. It is just a consideration based on the customers standing with the credit card company. The over-limit amount is considered as a part of the normal credit limit, and interest is charged on the over-limit amount. The over-limit facility can be activated online, and the maximum over-limit amount for SBI credit card is 3 lakh. However, it is best to check with the bank before availing the over-limit facility, as some banks allow purchases up to 20% over the credit limit, while some others allow up to 10% over the limit. It is recommended not to purchase beyond the assigned limit, as it may result in penalty interest rates being applied to the account.