Emirates NBD Credit Card Loan

Emirates NBD credit card loan is a convenient financial solution that allows you, as a cardholder, to access extra funds based on your existing credit limit. Supporting various needs — from consolidating debt to handling emergency expenses — this loan is available at competitive interest rates with flexible repayment options.

Let’s see how to apply for an NBD credit card loan, its eligibility criteria, and more!

NBD Credit Card Loan Options

Here are the two NBD credit card loan options that you can choose from — 

Loan on Card Without Interest

Pay a one-time processing fee and make instalment payments in 6 or 12 months.

Loan on Card with Interest

Pay interest without any processing fee.

Eligibility for Emirates NBD Credit Card Loan

You must meet the following criteria to be eligible for an NBD credit card loan in the UAE —

*Individuals with business cards and supplementary cards are not eligible for this loan

How Can You Apply for an Emirates NBD Credit Card Loan?

Here’s how you can apply for an NBD credit card loan via online channels —

Internet Banking

Via Homepage

1. Sign into your account
2. Select ‘Cards’ and move on to your credit card
3. Tap ‘Loan on Card’> ‘New Installment’ under the ‘Services’ tab
4. Type in the loan amount and choose your repayment period
5. Hit ‘Next’ and select the account to which you want to transfer the money
6. Click ‘Next’, review the details, and submit
7. An OTP will be sent to your mobile app
8. Confirm and enter the Smart Pass PIN

Via Services

1. Log into your account
2. Choose the relevant symbol on the menu
3. Tap ‘Apply for New Service> Credit Cards> Loan on Card> New Instalment
4. Enter the loan amount and repayment period, and click ‘Next’
5. Submit the details after reviewing
6. Receive an OTP on the app for confirmation
7. Enter your Smart Pass PIN to complete the process

Mobile Banking

Via Services

1. Log into your account and choose the relevant symbol
2. Click ‘Apply for New Service’> Credit Cards> Loan on Card> New Instalment
3. Provide the loan amount and repayment period
4. Click ‘Next’ and choose the account to which you want to transfer the money
5. Review the details and confirm
6. Enter your Smart Pass PIN

Via Products

1. Sign into your mobile banking account
2. Click ‘Cards’ and choose your card
3. From the services tab, select ‘Loan on Card’ and then ‘New Instalment’
4. Mention the loan amount and repayment period
5. Choose the account to which you want to transfer the money
6. Review the provided details and slide for confirmation
7. Provide your Smart Pass PIN

Website

1. Click on the link — https://www.emiratesnbd.com/en/self-service/ipp-loan-on-card-request
2. Tap ‘Start Your Request’
3. Proceed with the on-screen instructions

How to Cancel Your Loan on Card Request?

To cancel your cc loan request with Emirates NBD, follow these steps – 

1. Tap on this link — https://www.emiratesnbd.com/en/self-service/loan-on-card-cancelation-request
2. Select ‘Start Your Request’ and follow the on-screen prompts

Emirates NBD Credit Card Loan Interest Rates

Given below are the applicable interest rates on the Emirates NBD credit card loan —

• Flat Monthly Interest Rate: 0.29% - 1.99%
• Reducing Monthly Interest Rate: 0.53% - 3.46%

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FAQ's On Enmirates NBD Credit Card  Loan