Instant Cash over and above your credit limit with Emirates NBD Credit Card

When life demands a little extra, whether it’s an emergency, a big purchase, or something you’ve been dreaming of, Loan on Card Beyond Credit Limit offers you the freedom to access cash above your existing Credit Card limit and pay back with ease.

Disclaimer:

  • Monthly Installments are calculated using an illustrative Installment Amount of AED 10,000, effective interest rate of 0.89% per month (reducing balance) and 0% Processing fees for 12 months tenure.
  • Actual Interest rates vary by tenor and are subject to the bank’s policy.

To know the effective rate, please click here.

Installment Calculator

0 100000 AED
12 48 months

Monthly Installment payable

AED  
EMI

Apply now through

SMS ALOC to 4456

Choose from our flexible financial options:

balance conversion

Balance Conversion

Convert your current retail outstanding balance into affordable monthly installments.
Installment_LOC

Loan on Card within credit limit

Get quick access to cash with your Emirates NBD Credit Card—no paperwork, no hassle.
Instalment payment

Installment Payment Plan

Turn all your purchases into easy monthly installments (EMIs). Perfect for big purchases, travel expenses and more.
Loc_beyond_limit

Balance Transfer

Transfer your Credit Card balance from other Banks to your Emirates NBD Credit Card and enjoy lower interest and smaller monthly payments.

What are people asking?

Loan on Card beyond credit limit is an installment plan that allows you to access additional cash beyond your available Credit Card limit. The loan amount can be transferred to your bank account or issued as a manager’s cheque.

All primary Emirates NBD Credit Cardholders can apply for a Loan on Card beyond credit limit, based on card usage and performance.

You can borrow up to 100% of your credit card limit. The amount will vary based on your eligibility and is subject to approval.

You can prepay or foreclose your loan by contacting our call center at 600 54 0000. A foreclosure fee of 1% of the principal outstanding plus 5% VAT will apply.

You can choose to repay over 12, 24, 36 or 48 months.

Loan on Card beyond credit limit is an installment plan that allows you to access additional cash beyond your available Credit Card limit. The loan amount can be transferred to your bank account or issued as a manager’s cheque.

All primary Emirates NBD Credit Cardholders can apply for a Loan on Card beyond credit limit, based on card usage and performance.

You can borrow up to 100% of your credit card limit. The amount will vary based on your eligibility and is subject to approval.

You can prepay or foreclose your loan by contacting our call center at 600 54 0000. A foreclosure fee of 1% of the principal outstanding plus 5% VAT will apply.

You can choose to repay over 12, 24, 36 or 48 months.

The interest rate on Loan on Card beyond credit limit is a reducing 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 apply, SMS 'ALOC' to 4456, or call our 24/7 customer care at 600 54 0000. A representative will guide you through the process.

Your request will be processed within 2-3 working days.

No, only primary cardholders can apply.

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.

No, currently, there are no reward points associated with a Loan on Card beyond credit limit.

The Loan on Card beyond credit limit amount is over and above your credit limit, so your credit limit will not be affected by the loan amount.

The EMI will be calculated based on the loan principal, interest for the selected tenure, and any applicable processing fees. The first EMI will include processing fee if applicable.

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