Prepaid Card - Balance Limit

The Balance Limit feature allows you to set a maximum balance on your OGold Prepaid Card to help you manage your spending effectively. Any top-up that exceeds this limit will automatically be declined, ensuring you stay in full control of your funds.

This article contains the following sections:

• Accessing Balance Limit Settings
• About Balance Limit
• Setting or Updating Your Balance Limit
• View Current Balance and Spending
• Additional Security Options

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Accessing Balance Limit Settings

1. Open the OGold App.

2. Go to Settings → Card Management.

3. Under the Card Limits section, tap Balance Limit.

Here you can view and manage the maximum balance allowed on your card.

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 About Balance Limit

• The Balance Limit defines the total amount that can be held on your OGold card.

• Any top-up attempt that exceeds your set balance limit will be declined.

• You can enable, disable, or change the balance limit anytime.

Example:
If your limit is set to AED 150,000, and your current balance is AED 98,346.45, then your remaining available balance will be AED 51,653.55.

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Setting or Updating Your Balance Limit

1. On the Balance Limit screen, tap Enable Max Balance Limit (if not already active).

2. Enter the desired maximum balance amount (e.g., AED 150,000).

3. Tap Save to confirm your new limit.

4. You’ll see a confirmation message showing your updated balance limit.

Once set, your OGold card will automatically block any top-ups that exceed the maximum limit you specified.

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View Current Balance and Spending

In the Card Management section, you can also see:

• Card Status – (e.g., Active)

• Spending Priority – Gold first, then Silver

• Spent This Month – The total amount used during the current month

• Remaining – The available amount before reaching your balance limit

Example:

Your monthly limit is AED 150,000
Spent this month: AED 98,346.45
Remaining: AED 51,653.55

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Additional Security Options

In the Card Management screen, you’ll also find:

• Velocity Limits – Set monthly or per-transaction spend limits.

• Change PIN – Update your card PIN securely.

• Freeze Card – Temporarily disable your card.

• Terminate Card – Permanently cancel your card (irreversible action).