How It Works?
An approval-based limit card has a fixed spending limit that does not expire. As transactions are made, the available balance decreases — and is automatically restored once the corresponding expenses are submitted and approved.
Think of it as a revolving balance: approved expenses free up spending capacity, encouraging timely submission while ensuring cardholders can continue spending within their approved limit.
Example — AED 10,000 card limit
With a card limit of AED 10,000, your available balance decreases with each purchase and Once those expenses are submitted and approved, the balance is restored automatically.
Transaction | Amount | Card limit Balance |
🛍️ Expense made | AED 1,000 | 🟡 AED 9,000 |
🛍️ Expense made | AED 2,000 | 🟡 AED 7,000 |
✅ Expense approved | AED 2,000 | 🟢 AED 9,000 |
✅ Expense approved | AED 1,000 | 🟢 AED 10,000 |
Common use cases
Travel & client expenses
Ideal for employees with regular travel, accommodation, or entertainment costs. The limit replenishes as expenses are approved, keeping funds available for ongoing business trips.
Recurring operational purchases
Suited to office managers and team leads making regular purchases — supplies, pantry, utilities — while maintaining approval controls and full expense visibility.
FAQ
What happens if I don't submit my expenses promptly?
Your available balance remains reduced until expenses are submitted and approved limiting your ability to make new purchases if you exceed your card limit. Timely submission ensures your spending capacity is restored as quickly as possible.
Does the card limit expire?
No, the approval-based limit card does not have an expiry date. The spending limit remains in place indefinitely and continues to revolve as expenses are approved.
Who approves the expenses, and how long does it take?
Expenses are reviewed by the designated approver in your company, check with your company Admin on the process followed internally.
What if an expense is rejected?
The balance will not be restored for that transaction. You will need to your company's approver to review the expense and on the next steps to have it approved.
Can I spend above my approval based card limit?
No, transactions that exceed your current available balance will be declined, your available balance at any point is your original limit minus any unapproved expenses.
Can my card limit be changed?
Yes, card limits can be adjusted by your company Admin. If your limit feels insufficient for your role or upcoming needs, speak to your company's Admin to request a review.