Manage your Business Credit Card Limits

Track and manage your Emirates NBD primary and supplementary credit card limits easily via online and mobile banking

Manage your credit card limits

Your credit card limit is assigned by the bank after taking several factors into consideration including the type of credit card, eligibility, financial history and debt burden ratio.

Understanding your limits

Your credit card limit is the maximum amount you can spend using your credit card. The amount you spend and need to repay, at least in part before your payment due date, is referred to as your outstanding balance or utilised limit and the remainder is your available credit limit.

If you hold one or more supplementary credit cards, these cards will utilise a percentage of your total limit. For example, if your credit card has a total limit of AED 100,000 and you assign your supplementary credit card 10% of your limit, the supplementary card holder can use only AED 10,000.

Track your available primary and supplementary credit card limits

Online Banking

Go to My Finances > Cards

Mobile Banking

Click on the hamburger icon and then Credit Cards

Increase your primary credit card limit

To apply for a credit limit increase on your credit card you must meet the following criteria:

Your card should be active
Your documents need to be updated
You should be holding the card for at least 6 months

Use one of the options below to apply for a limit increase on your card:

Phone Banking:

Call +971 600 54 0009 and when prompted, say ‘increase credit card limit’

Keep these documents ready to complete your request.

Online Banking

Log into Online Banking
Click on Online Advice and go to your Private Wall
Select the topic, enter your comment and Post

One of our representatives will get in touch with you within 24 hours.

Keep these documents ready to complete your request.

Mobile Banking

Log in to Mobile Banking
Click on the hamburger icon on the top left of the app
Now click on Requests > Contact Us > Send Us Feedback
Select Inquiries and then the type of inquiry
Enter your request and click Send

One of our representatives will get in touch with you within 24 hours.

Keep these documents ready to complete your request.

Visit a branch

Visit your nearest Emirates NBD Business Banking Center with your Emirates ID or passport for identification along with these documents and we’ll be happy to help.

What’s next?

Your request will be reviewed and processed within 19 working days. You’ll receive an email and SMS once your request is processed.

If you don’t hear from us, you can track the status of your request by calling +971 600 54 0000 and when prompted, say “track service request”.

Documents required for primary credit card limit increase

The below documents we require to increase your credit card limit the request will depend on your card spend and the company balance.

Copies of your passport and Emirates ID
Trade License
Memorandum of Association (MOA)
Company or bank statement for the last 3 months
Power of Attorney (if signatory not available)

Decrease your primary credit card limit

The minimum credit card limit you can ask for depends on your credit card type.

Card type	Minimum limit
Business Credit Card	10k
Skywards Business Credit Card	10k

You can request a decrease in your credit card limit at any time using one of the options below:

Phone Banking

Call +971 600 54 0009 and when prompted, say ‘decrease credit card limit’

You will receive an email and SMS once your credit card limit has been decreased.

Online Banking

Log into Online Banking
Click on Online Advice and go to your Private Wall
Select the topic, enter your comment and Post

One of our representatives will get in touch with you within 24 hours.

Mobile Banking

Log in to Mobile Banking
Click on the hamburger icon on the top left of the app
Now click on Requests > Contact Us > Send Us Feedback
Select Inquiries and then the type of inquiry
Enter your request and click Send

One of our representatives will get in touch with you within 24 hours.

Increase or decrease your supplementary credit card limit

Only a primary credit card holder can increase or decrease their supplementary credit limit. You can do this by changing the percentage of the primary credit card’s total limit that has been assigned to the supplementary credit card. Please note that the change in percentage will have to be in multiples of 5.

To request a change in your Supplementary Credit Card limit, choose one of the options below:

Phone Banking:

Call +971 600 54 0009 and when prompted, say ‘increase/decrease supplementary credit card limit’

Your request will be processed within 4 working days.

Online Banking

Log into Online Banking
Click on Online Advice and go to your Private Wall
Select the topic, enter your comment and Post

One of our representatives will get in touch with you within 24 hours.

Mobile Banking:

Log in to Mobile Banking
Click on the hamburger icon on the top left of the app
Now click on Requests > Contact Us > Send Us Feedback
Select Inquiries and then the type of inquiry
Enter your request and click Send

One of our representatives will get in touch with you within 24 hours.

FAQs

Will I receive a new credit card once my limit is increased?

No, your credit limit will be increased on your existing credit card.

How can I track my supplementary card holder’s credit limit utilisation?

You can do this by viewing your supplementary credit card’s limit details or transaction history through Online and Mobile Banking. Your supplementary card holder’s transactions will be listed in your monthly credit card statements as well.

What’s the maximum amount that I can increase my credit card limit by?

Everyone’s credit limit differs as this is based on a number of factors. The bank will always process your request for the maximum eligible amount.

What happens if I use my entire credit card limit

Emirates NBD Credit Cards have a buffer limit which allows you to complete a purchase that is higher than your current available credit limit. Based on the type of credit card you hold, your buffer limit can range between 3% and 15% of your total credit limit.

Spending more than your assigned credit limit will incur over-limit charges.

Always keep track of your credit card transactions and available limit. It’s easy via Online and Mobile Banking.

Online Banking: Go to My Finances > Cards

Mobile Banking: Click and then Credit Cards.

How much of my credit limit can be used for cash advances?

You can use up to 75% of your total credit limit for cash advances on business credit cards and 50% of your total credit limit for cash advances on any other credit card.

Is it possible to transfer some of my credit limit from one of my credit cards to another?

You can only transfer a portion of your credit limit from a non-Web Shopper credit card to your Web Shopper card. You can’t transfer credit limit between non-Web Shopper credit cards.

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