Loan on card beyond credit limit

Get a loan beyond your card’s credit limit if you are the primary credit cardholder

With the Loan on card beyond credit limit feature you can apply for a loan on your Emirates NBD credit card even beyond your card’s credit limit. This benefit is provided to primary credit card holders and is easy to apply for.



  • Easy installment payments over 12 to 48 months
  • No impact on your existing credit card limit
  • Loan amount transferred to your account or issued as a Manager’s Cheque



Your eligibility depends on the usage of your credit card, card limit, and your credit history. To avail this benefit, you must:

  •  Be the primary card holder
  • Apply for a minimum loan amount of AED 1,000

How to apply

Use any of the channels below to apply:


Phone Banking

Call +971 4 600 54 0000 and when prompted, say ‘apply for a loan on card’. Call from your registered mobile number for the best experience.



SMS ALOC to 4456.


What’s next?

Our sales team will get in touch you within 24-48 working hours to process your request.

How to cancel

You can cancel your Loan on card beyond credit limit in one of the three ways below:



Fees and charges

Processing fee and charges will be based on a percentage of your Loan on card beyond credit limit amount and credit history.

  • 0.29% - 1.99% flat monthly interest rate (0.53% - 3.46% reducing monthly interest rate)
  • For foreclosure, a fee of 1.05% of your principal outstanding loan amount (inclusive of VAT) is applicable.


Please note: Bank fees and charges are subject to change at any time. Learn more here.



No, once you raise request, our sales team will get in touch with you and share all the details within 2 working days.

If you fail to pay your installments for two consecutive months, your plan will be foreclosed. Your entire outstanding loan amount will immediately be due for payment. Any remaining outstanding balance will attract our regular finance charges. For more details, have a look at our credit card installment terms and conditions.


If you cancel your credit card, all your plans will also be closed. The entire outstanding amount will be due for payment in full, with applicable charges as per our terms and conditions.

No, you can continue to enjoy the benefits of your credit card.

Once your Loan on card beyond credit limit has been approved, our sales team will provide you with all the information related to amount, billing cycle, payment method or any other relevant questions you may have within 2 working days.