Manage your credit card limits

Track and manage your primary and supplementary credit card limits easily via Online and Mobile Banking

Manage your credit card limits

Your credit card limit is assigned by the bank after taking several factors into consideration including the type of credit card, your income, the company you work for, your financial history and debt burden ratio.

Understanding your limits

Credit card limit: This is the maximum amount you can spend using your credit card.

Outstanding balance or utilised limit: This is the amount you spend and need to repay, at least in part before your payment due date.

Available credit limit: This is what's left after what you've spent or utilised from your credit card limit.

If you hold one or more supplementary credit cards, these cards will utilise a percentage of your total credit card limit. For example, if your credit card has a total limit of AED 10,000 and you assign your supplementary credit card 10% of your limit, the supplementary card holder can use AED 1,000 of your primary credit card limit.

Track your credit card limits

Increase your primary credit card limit

To apply for a credit limit increase on your credit card you must meet the following criteria:

Your card should be active
You should be holding the card for at least 6 months
If your salary has increased, the six-month wait does not apply, but you must update our records with your new salary details

Use one of the options below to apply for a limit increase on your card:

What’s next?

Your request will be reviewed and processed within 19 working days. You’ll receive an email and SMS once your request is processed.

If you don’t hear from us, you can track the status of your request by calling +971 600 54 0000 and when prompted, say 'track service request'.

Documents required for primary credit card limit increase

The documents required to increase your primary credit card limit depend on your employment status and the bank to which you are currently transferring your salary. The following are the documents you should keep ready depending on your situation:

If your salary is being transferred to Emirates NBD

Copies of your passport and Emirates ID
Your salary certificate (not more than 1 month old)
Pay slips for the last 3 months

If your salary is being transferred to another bank

Copies of your passport and Emirates ID
Your salary certificate (not more than 1 month old)
Original bank statements for the last 3 months
Pay slips for the last 3 months

If you’re self-employed

Copies of your passport and Emirates ID
Trade License
Memorandum of Association (MOA)
Company or personal account bank statement for the last 3 months
Power of Attorney (if signatory not available)

Decrease your primary credit card limit

The minimum credit card limit you can ask for depends on your credit card type.

Card type	Minimum limit
Web Shopper	AED 1,000
Generic Titanium / Manchester United / U by Emaar Family / Lulu Titanium	AED 5,000
Go4it Gold	AED 6,000
Diners / DUO / dnata Platinum / Business	AED 10,000
Business Credit Card	AED 10,000
Skywards Business Credit Card	AED 10,000
Generic Platinum / Visa Flexi / Go4it Platinum	AED 12,000
Skyward Signature / U by Emaar Signature / Lulu Platinum	AED 15,000
dnata World / Marriot Bonvoy World / Generic Infinite	AED 25,000
Skywards Infinite	AED 30,000
U by Emaar Infinite	AED 35,000
Etihad Guest Visa Inspire	AED 15,000
Etihad Guest Visa Elevate	AED 30,000

You can request for a credit card limit decrease here.

Increase or decrease your supplementary credit card limit

Only you, as a primary credit cardholder, can increase or decrease your supplementary credit limit by changing the percentage of your primary credit card’s total limit assigned to the supplementary credit card.

Choose one of the options below to request a change in your supplementary credit card limit now:

FAQs

Will I receive a new credit card once my limit is increased?

No, your credit limit will be increased on your existing credit card.

How can I track my supplementary card holder’s credit limit utilisation?

You can view your supplementary credit cardholder’s limit utilisation or transaction history via Online and Mobile Banking. Your supplementary card holder’s transactions will also be listed in your monthly credit card statements.

What is the maximum amount that I can increase my credit card limit by?

Your credit limit is based on a number of factors including income, payment and spending history on your card, your credit score etc. The bank will always process your request for the maximum eligible amount.

What happens if I use my entire credit card limit?

Emirates NBD Credit Cards have a buffer limit which allows you to complete a purchase that is higher than your current available credit limit. Based on the type of credit card you hold, your buffer limit can range between 3% and 15% of your total credit limit.

Spending more than your assigned credit limit will incur over-limit charges.

Always keep track of your credit card transactions and available limit. It’s easy via Online and Mobile Banking.

Online Banking: Go to My Finances > Cards

Mobile Banking:

Click on

and then Credit Cards.

How much of my credit limit can be used for cash advances?

You can use up to 75% of your total credit limit for cash advances on business credit cards and 50% of your total credit limit for cash advances on any other credit card.

Is it possible to transfer some of my credit limit from one of my credit cards to another?

You can only transfer a portion of your credit limit from a non-Web Shopper credit card to your Web Shopper card. You can’t transfer credit limit between non-Web Shopper credit cards.

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