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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
The need for quick cash can arise at any point of your life, be it for your children’s school fees or fulfilling the family holiday you had planned for long. With Emirates NBD Credit Card, we have got you covered with easy cash, up to 90% of your Credit Limit.
Low Interest
Interest starting 0.49% p.m
Easy EMIs
Convenience of up to 48 months tenor
Hassle-Free
No documentation
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. Kindly Log in to your Mobile App or Online Banking to check the eligible transactions, applicable interest rate and processing fees.
Processing Fees will be charged as part of first monthly Installment.
Instant cash in
4 Easy Steps
Login to your Emirates NBD app
Select your Credit Card on the dashboard
Choose the Loan on Card option
Select the Amount, Tenor and Account to which your funds should be deposited.
In case of Early Settlement of 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. Click here for Terms and conditions.
Login to your Online Banking
Go to My Finances > Cards and select your Credit Card
Click on the Loan on Card option
Select the Amount, Tenor and Account to which your funds should be deposited.
Login to Online Banking
Easy access to Instant Cash
Aren't on Online Banking yet? Click here to register
In case of Early Settlement of 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. Click here for Terms and conditions.
SMS LOC to 4456
In case of Early Settlement of 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. Click here for terms and conditions .
What are people asking?
Loan on Card (LOC) program allows you to get a portion of your available Credit Card limit as cash. The amount availed will be transferred to your bank account or issued as a manager's cheque.
This program is available for all Primary Emirates NBD Credit Card holders based on your eligibility and available credit card limit.
You can avail a maximum of up to 90% of your available Credit Card limit. The amount varies based on your eligibility and available Credit Card limit.
You can choose to repay your Loan on Card amounts for 12, 18, 24, 36, or 48 months.
Loan on Card interest 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 (LOC) program allows you to get a portion of your available Credit Card limit as cash. The amount availed will be transferred to your bank account or issued as a manager's cheque.
This program is available for all Primary Emirates NBD Credit Card holders based on your eligibility and available credit card limit.
You can avail a maximum of up to 90% of your available Credit Card limit. The amount varies based on your eligibility and available Credit Card limit.
You can choose to repay your Loan on Card amounts for 12, 18, 24, 36, or 48 months.
Loan on Card interest 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.
You can avail this facility through our digital channels using 4 simple steps:
Online Banking:
Mobile Banking:
Upon request, your Loan on Card option will be processed & reflected instantly on your account and Credit Card statement.
This facility is available for Primary Cardholders only.
Any applicable fees on the 'Loan on Card' 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.
Currently, there are no reward points associated with the 'Loan on Card' facility.
Loan on Card option is given based on your available Credit Card limit. On repayment of your monthly installments, the amount repaid will become your new available Credit Card 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 monthly EMI will consist of the principal and interest repayment amount, however only your first EMI will include any processing fee is applicable"
You can choose to prepay or foreclose your existing Loan on Card facility by contacting our call center on 600540000. A foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applicable.
Your Loan on Card 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 600540000 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 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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