Your credit card limit is assigned by the Bank after taking several factors into consideration including the type of credit card, your income, the company you work for, your financial history and debt burden ratio.
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 primary credit card’s total limit. For example, if your credit card has a total limit of AED 10,000 and you assign your supplementary credit card 10% of your limit, the supplementary cardholder can spend only AED 1,000 using their card.
To apply for a credit limit increase on your credit card you must meet the following criteria:
You can apply for a limit increase on your card by visiting your nearest Emirates Islamic branch with your Emirates ID or passport for identification along with these documents, and one of our Representatives will be happy to help you.
What’s Next?
Your request will be reviewed and processed within 19 working days. You will receive an email and SMS once your request is processed.
If you don’t hear back from us, you can track the status of your request by contacting our 24-hour Call Centre on +971 600 599 995 and speak to one of our Customer Service Representatives.
The documents required to increase your credit card limit will depend on your employment status and the bank to which you are currently transferring your salary.
If your salary is being transferred to Emirates Islamic:
If your salary is being transferred to another bank:
If you’re self-employed:
You can request to decrease the credit limit on your card at any time by contacting our 24-hour Call Centre on +971 600 599 995 and speak to one of our Customer Service Representatives.
You will receive an email and SMS once your credit card limit has been decreased.
Only primary credit cardholders 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 4.
To request a change in your supplementary credit card limit, contact our 24-hour Call Centre on +971 600 599 995 and speak to one of our Customer Service Representatives.
Your request will be processed within 4 working days.
Emirates Islamic 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 Banking and Mobile Banking.
Online Banking: Log in to Online Banking > Go to Cards > Credit Card Summary
Mobile Banking: Log in and click on the Main Menu on the top left of the App > Credit Cards
You can use up to 50% of your total credit limit on your card for cash advances.
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