Last Updated on June 27, 2025 by admin
In recent years, Etisalat, one of the leading telecommunications providers in the UAE, has expanded its services to include loan products, notably the Etisalat Reserve Credit. This innovative offering allows subscribers to access immediate, short-term advance credit loan on your prepaid sim card.
The Reserve Credit is a convenient service designed to assist customers in the UAE who find themselves in need of emergency credit. It serves as a lifeline when immediate funds are necessary
This service allows prepaid mobile users to borrow up to 50 AED once per month when your balance is 1 AED or less, so can continue making essential calls and utilizing mobile services without interruption.
To access this service, Etisalat customers typically need to meet certain eligibility criteria, such as having an active prepaid account and a satisfactory usage history. Once eligible, customers can request a reserve credit through simple activation codes .
This credit can be used for various services, including voice calls, send SMS (both local and international) messages, or purchase a Non-stop Silver data plan. The borrowed amount is deducted from the customer’s balance upon their next recharge, along with a small service fee.
Read: How to check airtime and data balance from Du uae
What is Etisalat Reserve Credit Balance?
Etisalat Reserve Credit Balance is a handy service for prepaid users that lets you borrow mobile credit when your balance runs low—kind of like a mini loan from your telecom provider.
If you’re eligible (typically after using your prepaid line for at least 2 months and spending AED 10 or more per month), you can borrow up to AED 50. This credit can be used for voice calls, SMS (local and international), and even to purchase certain data plans like the Non-stop Silver pack
Read: How to transfer airtime and data from DU uae
Etisalat Reserve Credit requirements
To be eligible for Etisalat Reserve Credit in the UAE, certain criteria must be met by applicants to ensure that they can make use of this convenient service. Primarily, the individual must be an existing Etisalat prepaid customer, as this service is specifically designed to provide a safety net for those who might face unexpected interruptions in service due to low or zero balance.
You’ll need to meet a few key conditions:
- Prepaid Line: Only Etisalat Wasel prepaid users are eligible.
- Active Usage: Your line must be active for at least 2 to 3 months.
- Minimum Spend: You should have a monthly usage of at least AED 10.
- Good Recharge History: Regular top-ups improve your chances.
- No Outstanding Loans: Any previously borrowed credit must be repaid before you can borrow again.
Once eligible, you’ll typically receive an SMS notification inviting you to subscribe. You can also check your eligibility by dialing *108#—Etisalat will let you know if you qualify and how much you can borrow.
Read: How to contact Etisalat uae customer care, Phone number and email
How to check Etisalat Reserve Credit eligibility
To check if you’re eligible for Etisalat’s Reserve Credit service, just dial *108# on your Etisalat prepaid line. The system will automatically assess your profile and send you an SMS letting you know:
- Whether you’re eligible
- How much credit you can borrow (usually between AED 5 and AED 50)
If you’re eligible, you’ll also get the option to subscribe right away. It’s a quick way to find out without needing to call customer service or dig through your account settings
Read: How to transfer Etisalat Uae Airtime credit and data to another etisalat number
How to subscribe to Etisalat Reserve Credit
To subscribe to Etisalat’s Reserve Credit service, it’s super simple:
1. Dial*108*1# your Etisalat prepaid line.
2. Once you do, you’ll receive a confirmation SMS letting you know the service is active.
3.From then on, whenever your balance drops below AED 1, Etisalat will automatically top you up with reserve credit—up to AED 50, depending on your usage history.
How to Unsubscribe to Etisalat Reserve Credit
To unsubscribe from Etisalat’s Reserve Credit service, just dial *108*2# on your Etisalat prepaid line. You’ll receive a confirmation message once the service has been deactivated.
It’s a quick and hassle-free process—no need to speak to customer service or wait on hold. If you ever change your mind, you can re-subscribe by dialing *108*1#.
If you are subscribed to the service, you’ll be notified via SMS about the amount you’ve been credited once your balance reaches AED 1
Overview of Etisalat Reserve Credit
Etisalat Reserve Credit is a prepaid service that acts like a mini loan, giving you emergency credit when your balance runs low—so you’re never caught off guard mid-call or without data.
Here’s a quick overview:
- Eligibility: Available to Wasel prepaid users who’ve had an active line for at least 2–3 months and spend a minimum of AED 10/month.
- Loan Amount: You can borrow up to AED 50, depending on your usage and recharge history.
- Usage: The borrowed credit can be used for local/international calls, SMS, and even to purchase data packs like the Non-stop Silver plan.
- Activation: Dial *108*1# to subscribe. Once active, the service automatically kicks in when your balance drops below AED 1.
- Unsubscribe: Dial *108*2# to opt out anytime.
- Balance Check: Dial *121# to see your reserve credit balance.
- Repayment: When you recharge, the borrowed amount plus a small service fee is automatically deducted.
- Service Fee: Typically 20% of the borrowed amount, or AED 0.06 per minute/SMS depending on your SIM type.
- Wasel Prepaid customers with single account SIM will be charged a service fee of 20% (excluding VAT) on top of the existing tariff of the services they use
- Other Wasel Prepaid customers will be charged a service fee of AED 0.06 (excluding 5% VAT) on top of existing tariff of every minute or SMS
Please note:
The loan credit cannot be transferred to another account or used for international roaming. By requesting a loan credit, subscribers consent to Etisalat’s right to debit the owed amount from any subsequent recharge without any further notification.
It is important for users to understand that non-repayment or frequent reliance on this service might affect future eligibility for the loan credit service and other offers by Etisalat.
