Credit Card Limits at Emirates NBD: Everything You Need to Know
Introduction
Emirates NBD is one of the leading banks in the UAE, offering a range of credit cards tailored to various customer needs. One of the key aspects of credit card usage is understanding credit limits, which determine how much you can spend. Whether you’re a resident, an expatriate, or a business owner, knowing the factors affecting your credit limit, how to increase it, and how it impacts your financial health is crucial.
In this detailed guide, we’ll cover everything related to credit card limits at Emirates NBD, including eligibility criteria, factors influencing limits, methods to increase or decrease limits, and how they impact your credit score.
Understanding Credit Limits at Emirates NBD
A credit limit is the maximum amount you can spend using your credit card. Emirates NBD assigns these limits based on multiple factors, including your income, creditworthiness, and banking history.
How Emirates NBD Determines Your Credit Limit
Several factors affect the credit limit you receive when applying for an Emirates NBD credit card:
- Income Level – Higher-income individuals typically receive higher credit limits.
- Credit Score – A strong credit history leads to better credit limits.
- Employment Status – Salaried individuals with stable jobs often get higher limits than freelancers.
- Existing Debt and Liabilities – Lower outstanding debts may result in a higher limit.
- Type of Credit Card – Premium credit cards like Emirates NBD Infinite or Signature cards usually come with higher limits.
- Customer Relationship with the Bank – Long-term customers with good banking history may receive higher credit limits.
How Credit Limits Are Assigned for Different Emirates NBD Cards
Credit Card Type | Minimum Salary Requirement (AED) | Typical Credit Limit |
---|---|---|
Emirates NBD Classic Card | 5,000 – 8,000 | AED 5,000 – 15,000 |
Emirates NBD Platinum Card | 15,000+ | AED 30,000 – 100,000 |
Emirates NBD Signature Card | 25,000+ | AED 50,000 – 200,000 |
Emirates NBD Infinite Card | 50,000+ | AED 100,000+ |
The above credit limits vary based on an individual’s creditworthiness and financial profile.
How to Check Your Credit Limit at Emirates NBD
Emirates NBD provides multiple ways to check your current credit limit:
- Online Banking – Log in to your Emirates NBD account to view your available limit.
- Mobile Banking App – The Emirates NBD app displays real-time credit limit updates.
- Monthly Credit Card Statement – Your limit is mentioned in the statement.
- Customer Service – Call Emirates NBD’s helpline to inquire about your credit limit.
- ATM – Use an Emirates NBD ATM to check your available credit.
How to Increase Your Credit Card Limit
If your current credit limit is insufficient, you can request an increase from Emirates NBD. Here’s how:
Steps to Request a Credit Limit Increase
- Contact Emirates NBD Customer Service – Call or visit a branch to submit your request.
- Apply via Online Banking – Some customers may have the option to request a limit increase online.
- Submit Proof of Income – Higher income often qualifies you for a better credit limit.
- Maintain a Good Credit Score – A higher score improves your chances of approval.
- Ensure Timely Payments – Regular, full payments indicate financial stability.
Factors That Improve Your Chances of Approval
- Increased Salary – Submit salary slips or bank statements showing a higher income.
- Reduced Debt-to-Income Ratio – Lower outstanding loans and debts improve approval chances.
- Consistent Card Usage – Regular spending and timely bill payments show financial responsibility.
How to Decrease Your Credit Limit
If you want to reduce your credit card limit for better financial control, you can:
- Request a Lower Limit via Customer Support
- Reduce Credit Utilization to Signal Less Need for a High Limit
- Switch to a Lower-Tier Credit Card
How Credit Limits Impact Your Credit Score
A credit limit influences your credit utilization ratio, a key factor in credit scores.
What is Credit Utilization?
Credit utilization is the percentage of your available credit that you use. A lower utilization ratio (below 30%) is ideal for maintaining a high credit score.
Credit Limit (AED) | Credit Card Usage (AED) | Credit Utilization Ratio (%) |
---|---|---|
10,000 | 3,000 | 30% (Good) |
10,000 | 7,000 | 70% (Risky) |
Best Practices for Credit Limit Management
- Keep Utilization Below 30% – Helps maintain a strong credit score.
- Avoid Maxing Out Your Card – High utilization can signal financial stress.
- Pay Bills in Full and On Time – Prevents debt accumulation and interest charges.
Common Issues with Credit Limits and How to Fix Them
1. Low Credit Limit Assigned
Solution: Request a review by submitting updated income proof.
2. Unexpected Credit Limit Reduction
Solution: Contact Emirates NBD to understand the reason and negotiate.
3. Credit Limit Increase Request Denied
Solution: Improve your financial profile by boosting income and reducing debt before reapplying.
4. Exceeding the Credit Limit
Solution: Request an emergency increase or pay down the balance immediately.
Temporary Credit Limit Increases at Emirates NBD
In some cases, Emirates NBD allows temporary credit limit increases for specific financial needs. If you require a short-term boost in your limit, you can request a temporary credit limit increase under the following conditions:
When Can You Apply for a Temporary Credit Limit Increase?
- Travel Expenses – If you’re traveling abroad and need extra spending capacity.
- Medical Emergencies – If an unexpected medical expense arises.
- Special Purchases – Buying expensive items, such as electronics or jewelry.
- Festive or Seasonal Spending – Increased shopping limits during Eid, Christmas, or New Year sales.

How to Apply for a Temporary Increase?
- Contact Emirates NBD Customer Support – Call or visit a branch to submit your request.
- Provide Justification – Explain why you need the temporary increase.
- Submit Necessary Documents – Income proof may be required for large limit increases.
- Approval Process – The bank will review your request and grant approval if eligible.
Using Balance Transfers to Manage Credit Limits
A balance transfer allows you to move outstanding debt from one credit card to another with a lower interest rate. Emirates NBD offers balance transfer facilities that can help manage credit utilization and debt repayment more efficiently.
Benefits of a Balance Transfer
- Lower Interest Rates – Reduces high-interest charges from other banks.
- Better Credit Utilization – Helps distribute outstanding balances across multiple cards.
- Flexible Repayment Plans – Choose installment options to manage payments effectively.
Financial Safety Tips for Managing Your Credit Limit
- Set a Budget – Align your spending with your monthly income to avoid exceeding limits.
- Monitor Credit Usage Regularly – Keep track of your spending through online banking.
- Enable Credit Limit Alerts – Set notifications for spending thresholds.
- Avoid Frequent Limit Increase Requests – Too many requests may impact your credit score.
Conclusion
Understanding credit card limits at Emirates NBD is essential for financial management. Your credit limit depends on income, creditworthiness, and banking history. If you need a higher limit, maintaining a good credit score, consistent spending, and proving financial stability can improve your chances. Managing your credit utilization wisely ensures better financial health and a strong credit score.
For those looking to increase their limit, Emirates NBD offers flexible options. However, maintaining responsible spending habits is crucial to avoid debt traps. If you’re considering a credit card from Emirates NBD, ensure that the limit aligns with your financial goals.
Frequently Asked Questions
1. How often does Emirates NBD review credit limits?
Emirates NBD periodically reviews credit limits based on account activity and financial status, typically every 6 to 12 months.
2. Can I request an emergency credit limit increase?
Yes, Emirates NBD allows temporary limit increases for special circumstances, subject to approval.
3. Will a credit limit increase affect my credit score?
If managed well, a higher limit can improve your credit score by reducing your credit utilization ratio.
4. Can I have multiple credit cards with different limits at Emirates NBD?
Yes, you can hold multiple Emirates NBD credit cards with different limits based on your eligibility.
5. What happens if I exceed my credit limit?
You may incur an over-limit fee, and it can negatively impact your credit score. Consider requesting an increase or managing your spending better.
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