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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
Need a little extra cash to indulge in a long-held desire or to meet an unexpected emergency? It gets easy with loan over and above the assigned credit limit of your Emirates NBD Card. Apply now and pay it back in easy monthly installments.
Instant Cash
Over and above your Credit Limit
Easy EMIs
Convenience of up to 48 months tenor
Hassle-Free
No documentation
Have us call you?
SMS 'ALOC' to 4456
Disclaimer:
Monthly Installments are calculated using an illustrative Installment Amount of AED 10,000, flat interest rate of 0.49% p.m. and 0% Processing fees for 48 months tenure.
Actual Installment details applicable may vary and are subject to the bank’s policy. To know more SMS 'ALOC' to 4456
Minimum amount for Advance Loan on card is AED 1,000. In case of Early Settlement of Advance Loan on Card, cancellation fee of 1% of Principal outstanding plus 5% VAT will be applicable. Should you require any further clarification or for pre-closures , please call us on 600 54 0000 or +971 600 54 0000 for International.
What are people asking?
Loan on Card beyond credit limit (ALOC) program allows you to get a Loan over and above your Credit Card limit as cash. The loan amount can be transferred to your bank account or issued as a manager's cheque.
This program is offered to Primary Emirates NBD Credit Card holders based on Card usage and performance.
You can avail an amount equivalent to 100% of your Credit Card limit. The amount will vary based on your eligibility and is subject to approval.
Repayment options are available on a 12, 24, 36, and 48 months tenure.
Loan on Card beyond credit limit is a flat monthly interest rate determined by Emirates NBD and shall be charged on the loan amount. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.
Loan on Card beyond credit limit (ALOC) program allows you to get a Loan over and above your Credit Card limit as cash. The loan amount can be transferred to your bank account or issued as a manager's cheque.
This program is offered to Primary Emirates NBD Credit Card holders based on Card usage and performance.
You can avail an amount equivalent to 100% of your Credit Card limit. The amount will vary based on your eligibility and is subject to approval.
Repayment options are available on a 12, 24, 36, and 48 months tenure.
Loan on Card beyond credit limit is a flat monthly interest rate determined by Emirates NBD and shall be charged on the loan amount. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.
To avail this program, please contact our 24/7 call center at 600 54 0000 and our phone banking advisor will assist you in processing your request.
It will be processed within 2-3 working days from the time of your request.
This facility is available to Primary Cardholders only.
Any applicable fees on the 'Loan on Card beyond credit limit' facility is determined by Emirates NBD and will be charged on the plan.
Fees are subject to changes on periodic basis. Please click here for more information.
There are currently no reward points associated with the 'Loan on Card beyond credit limit' facility.
Your Loan on Card beyond credit limit facility is given over and above your credit limit which in turn will not impact your credit limit.
Your total loan payable amount shall be computed by adding the principal amount of the loan, interest during the selected tenor, and the one time processing fee as applicable. Your loan monthly EMI will include amounts for the repayment of principal, interest charges and processing fees.
You can choose to prepay or foreclose your existing Loan on Card beyond credit limit facility by contacting our call center on 600 54 0000. A foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applicable.
Your Loan on Card beyond credit limit plan will remain active. If the prepayment is done with an intention to cancel the plan, you are required to contact our call center at 600 54 0000 and request for a cancellation. Upon cancellation, the prepayment will be adjusted towards the Loan on Card outstanding and a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied.
A monthly installment has to be paid towards your Loan on Card beyond credit limit plan. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Loan on Card plan will immediately be due for payment in full. The remaining outstanding balance will then attract our regular finance charges.
When your Credit Card cancellation is processed, all active plans on the Card will automatically be closed, a foreclosure fee and remaining outstanding balance will be due for payment in full.
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