Increase your Credit Card limit instantly

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How to increase your Credit Card limit through ENBD X

Increase your Credit Card limit instantly in few simple steps:

Log in to the ENBD X App.
Tap Cards on the home screen.
Select the card, then tap Credit Limit Increase.
Review and provide consent.
Enter your Smart Pass PIN.
Your new credit limit will be updated instantly.

Apply for credit limit increase

What are people asking?

How do I request a credit limit increase on the ENBD X App?

Simply log in to the ENBD X App, select ‘Cards’ on the home screen, choose your credit card, and tap on ‘Limit Increase’. Follow the on-screen instructions to complete the request.

Is the credit limit increase approved instantly?

Yes, if you are eligible, your new credit limit will be updated instantly after you confirm and authenticate the request using your Smart Pass PIN to 100% of approved limit.

Will I be notified if I am not eligible for an increase?

Yes, if you are not currently eligible, the app will display a message indicating that a credit limit increase is not available at this time

Can I choose a lower limit than the one approved by the system?

Yes, you have the option to accept the full approved limit or reduce it to a level you are more comfortable by calling 600 54 00 00.

Is there a fee for increasing my credit limit?

No, there are no fees or charges for requesting or approving a credit limit increase through the ENBD X App.

How do I request a credit limit increase on the ENBD X App?

Simply log in to the ENBD X App, select ‘Cards’ on the home screen, choose your credit card, and tap on ‘Limit Increase’. Follow the on-screen instructions to complete the request.

Is the credit limit increase approved instantly?

Yes, if you are eligible, your new credit limit will be updated instantly after you confirm and authenticate the request using your Smart Pass PIN to 100% of approved limit.

Will I be notified if I am not eligible for an increase?

Yes, if you are not currently eligible, the app will display a message indicating that a credit limit increase is not available at this time

Can I choose a lower limit than the one approved by the system?

Yes, you have the option to accept the full approved limit or reduce it to a level you are more comfortable by calling 600 54 00 00.

Is there a fee for increasing my credit limit?

No, there are no fees or charges for requesting or approving a credit limit increase through the ENBD X App.

What factors determine my eligibility for a credit limit increase?

Eligibility is based on several factors including your credit history, repayment behavior, income, and internal bank policies.

How often can I request a credit limit increase?

You may check your eligibility and request a limit increase at any time via the app. However, approval is subject to the bank’s review and policy.

Will increasing my credit limit affect my credit score?

A higher credit limit may improve your credit utilization ratio, which may positively impact your credit score-provided you maintain responsible usage and payments.

What should I do if my request is declined?

You can try again after some time. Meanwhile, ensure timely payments and maintain a healthy credit profile to improve your chances in the future.

What happens to my supplementary card limit?

The supplementary limit will also reflect the revised limit based on the limit % set on the supplementary card, eg: if the card limit is set AED 1,000 on the primary card and supplementary limit is set 10% then the limit on supplementary card is AED 100, when the primary limit increases to AED 2,000 the supplementary limit on the card will change from AED 100 to AED 200.

Can I reduce the limit when I want?

Yes, you may reduce the limit on your card by calling 600 54 00 00 (Minimum product offering limit to be maintained with No Credit Limit Decrease fee).

Will the revised limit reflect in AECB?

Yes, the revised limit will reflect on AECB however, this will not hold a negative impact.

Does this have any impact on how I earn rewards?

All reward capping remains the same as per the credit card product, refer to the link.

Can I reduce the limit on my Supplementary credit card?

You may reduce limit on the supplementary card by calling 600 54 00 00.

Can I transfer the limit on my other Emirates NBD credit card?

Yes, if you hold more than 1 card and wish to transfer limit to the other card, you may choose so by calling 600 54 00 00. Limit transfer is only permitted within Segment / Package type, individual card limits cannot be transferred to Business or Corporate cards and Business / Corporate card limits cannot be transferred to Individual credit cards.