Manage your Emirates Islamic Primary Credit Card limit
Track and manage your primary credit card limit
Track and manage your primary credit card limit
Track and manage your Emirates Islamic Primary Credit Card limit easily via our Online/Mobile Banking
Your credit card limit is assigned by the Bank based on several factors, 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 with your credit card. The minimum amount you have to repay by the payment due date is referred to as your Outstanding Balance or Utilized Limit and the rest is your Available Credit Limit.
If you have one or more supplementary credit cards, these cards utilise a certain percentage of the total limit of your primary credit card. For example, if your credit card has a total limit of AED 10,000 and you assign 10% of your limit to your supplementary credit card, the supplementary cardholder can only spend AED 1,000 with their card within one billing cycle (statement date to next statement date).
To request a credit limit increase on your credit card, you must meet the following criteria:
The documents required to increase your credit card limit depends on your employment status and the bank to which you transfer 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:
Click here to apply for a Credit Card limit increase.
Click here to decrease the credit limit on your card at any time through our website. You will receive an email and SMS once your credit card limit has been decreased.
No, your credit limit will be increased on your existing credit card.
The credit limit is different for everyone as it depends on several factors, such as income, payment and spending history on the card, credit score, etc. The Bank will always process your request for the maximum eligible amount.
Emirates Islamic Credit Cards have a buffer limit that allows you to make purchases that exceeds your current available credit limit. Depending on the type of credit card you have; your buffer limit can range from 3% to 15% of your total credit limit.
If you spend more than your assigned credit limit, you will incur over limit charges.
Always keep track of your credit card transactions and available limit. You can do this easy via Online Banking or 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. Please note that any charges incurred for cash advances will be levied on your credit card.
Yes, you can transfer a portion of your credit limit between your own primary cards by placing a request at one of our branches or through our Call Centre.
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