ADIB Credit Card Bill Payment - Online & Offline
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A credit card is an important financial resource today. ADIB credit card not only provides a convenient borrowing facility but also offers numerous benefits on using the card. To ensure that you do not lose the benefits on your card and keep your credit score intact, you are suggested to make ADIB credit card bill payments on time.
Making ADIB credit card bill payment using UAEFTS in UAE
Based on Real Time Gross Settlement (RTGS), UAEFTS is a fund transfer system that enables fund transfers from one bank account to the other. UAEFTS is one of the most reliable and secured fund transfer platforms in the UAE since it is owned, hosted, and monitored by the Central Bank of the UAE. You can use this platform to make ADIB credit card bill payments through exchange houses. To make an ADIB credit card bill payment via UAEFTS, you can visit any Al Fardan Exchange or Al Ansari
Exchange branch. There are over 250 branches located across the UAE where you can make payments.
You can locate your nearest Al Ansari branch at https://alansariexchange.com/branches/
You can locate your nearest Al Fardan Exchange branch at https://alfardanexchange.com/branches/deira/
The exchange house will charge you some amount to accept the payment on your ADIB credit card bill.
Please note that it may take up to 2 working days to reflect the ADIB credit card payment made through the exchange house.
Why you should choose the UAEFTS method to make ADIB credit card bill payments?
Using UAEFTS benefits you in many ways:
- UAEFTS facilitates cross-banking payments across the UAE. You can avail of this facility to make your ADIB credit card bill payment from another bank account.
- ADIB’s exchange partners have over 250 branches allowing you to pay your credit card bill effortlessly.
- UAEFTS accepts foreign currency payments which allow you to make direct payment without exchanging them.
- Exchange houses enable you to make international payments. You can make your ADIB credit card bill payment from anywhere in the world.
- Since it is based on RTGS, UAEFTS allows you to stay updated on the status of your payment anytime.
What should I know before using UAEFTS?
While UAEFTS is one of the most flexible credit card bill payment option in the UAE, there are several factors you need to be wary of before using it:
- Since the payment is facilitated by the Central Bank of the UAE, it may take up to 2 working days for the payment to reflect.
- Exchange houses will levy additional charges to accept ADIB credit card bill payments. If you do not wish to pay the complete amount, you will require paying additional charges every time you make the payment and you will end up paying considerably more money than your original outstanding.
ADIB Credit Card Bill Payment Options in UAE
When using an ADIB credit card is easy, why should payment options be difficult? Abu Dhabi Islamic Bank provides you multiple payment platforms across two payment modes i.e. online and offline to simplify the process of making ADIB credit card bill payments.
Offline Methods to Pay ADIB Credit Card Bill Payment
ADIB has over 70 branches that accept credit card bill payment offline via cheque or cash. To make an ADIB credit card bill payment offline, you simply have to visit the nearest branch and make the payment.
You can write a cheque in the favour of ADIB to make your ADIB credit card payment offline. Follow these steps:
- Specify your 16-digit credit card number along with bank’s name ̶ ADIB in the payee column
- Mention the amount you want to pay
- Do not forget to sign the cheque, without a signature, the check will not be validated
- Write bank account number and contact number on the blank side of the cheque
- Fill in the deposit slip
- Deposit the cheque in bank’s branch or Cash and check deposit machine (CCDM)
Your ADIB cheque is sent to the bank for clearance within 24 hours and the payment will be reflected within a day. In case you make your ADIB credit card bill payment via another bank’s credit card, it may take up to 3 working days for the cheque to clear and the payment to reflect. You are advised to make the payment at least 4 working days before the due date to avoid late fee payment. Since the payment is not hosted by ADIB, the bank will not be liable for late payments and you will be charged a late fee penalty.
ADIB Credit Card Payment by Cash
To avoid the hassle of delayed payments, ADIB lets you make your credit card bill payment offline via cash. This is the quickest method which ensures that the payment is done instantly and reflects in your card within minutes. If you are making last-day payments, this method is the most reliable one to make your payments. You can deposit cash at CCDM or the bank branch.
Online Methods to Pay ADIB Credit Card Bill Payment
To save your trips to the bank every month, ADIB provides you with numerous online methods that will let you make your ADIB credit card bill payment online. Online payment method not only saves your efforts but also saves time so that you do not have to spend time waiting in queues. You can avail of these facilities through multiple channels:=
- Phone Banking
- ADIB Mobile App
- Online Banking
- Direct Debit
- Payment from another bank
- Phone Wallets
ADIB Credit Card Payment by Phone Banking
When you cannot visit your bank and your internet is not working properly, you can use the phone banking method to make your ADIB credit card bill payment by calling 600543216. You can use this facility any time of any day irrespective of working hours and days. Only ADIB savings and current account holders can avail of this facility. At the time of opening your bank account, you can assign personal identification number that will be used during phone banking. Whenever you need to use it:
- Call at the specified number
- Follow the instructions, then enter your PIN on your phone
This service is free of charge
ADIB Credit Card Payment by ADIB Mobile App
Providing instant banking solutions, ADIB has designed a mobile app for you that lets you make your ADIB credit card bill payment in less than a minute. This facility can be availed by ADIB account holders only. To make payment via ADIB Mobile App:
- Log in to ADIB mobile app
- Go to the card payment section
- View your cards and select the card you want to pay for
- Click on the card
- Specify the amount
- Make payment
ADIB Credit Card Payment by Online Banking
For making ADIB credit card bill payment online using your desktop visit the ADIB webpage and:
- Log in to your registered net banking ID
- Go to the card payment section
- View your cards and select the card you want to pay for
- Click on the card
- Mention the amount
- Make payment
ADIB Credit Card Payment by Direct Debit
Many times your busy schedule does not permit you to pay your credit card bill on time. Missing your credit card bill due date will cost you additional charges and hamper your credit Score. ADIB covers your credit card bill payment a direct debit facility. When you sign for the direct debit facility, you grant permission to your bank to deduct a specified amount on a specific date. The bank makes your credit card payment from your account every month automatically without requiring any further action from your end. However, ensure that every month before the date of deduction you have a sufficient bank balance. In case you do not have enough balance, the bank will not be able to make the credit card payment and you will require paying the amount. If you fail to make the payment on time, the bank will not share the responsibility of late payment and a penalty will be levied.
Payments from another bank
If you are not an ADIB account holder, you can use your bank account balance to make ADIB credit card bill payment following these simple steps:
- Log in to your bank’s mobile bank account
- Type your credit card number in the beneficiary column
- Mention ADIB as the beneficiary bank
- Enter the amount you require paying
Since another bank will enable the payment, ADIB will not be liable for late payments on ADIB credit card bill payments. In case the bank receives late payment for your credit card bill, you will require paying the penalty. You can borrow cash from your account and deposit it at ADIB CCDM to make instant payments. If you hold a bank account in ADIB, you can:
- Transfer the account balance from one bank to an ADIB account
- Pay via online banking or mobile app
ADIB Credit Card Payment by Phone Wallet
Allowing next-gen facility, ADIB also accepts credit card bill payments online made through phone wallet apps. The Phone Wallet apps allow you to make your credit card bill payment in less than a minute. Some of the popular phone wallet platforms you can use to make the payment are Apple Pay, Google Pay, Samsung Pay, PayBy, and PayPal.
How can I use another bank credit card to pay ADIB credit card bill?
In case you are unable to make your ADIB credit card bill payment, you can use another bank’s credit card to make the payment. Though you cannot make a direct payment using another bank’s credit card, there are two indirect methods to make ADIB credit card bill payment ̶ Cash withdrawal and balance transfer
Cash Withdrawal
Credit card providers provide the facility of withdrawing cash using your credit card. You can use this service to make you ADIB credit card bill payment. Just borrow cash from an ATM and deposit the cash to CCDM at the ADIB branch directly.
Balance Transfer facility
Some credit cards come with a balance transfer facility. This facility is not available on every credit card so you will require confirming with your credit card provider if the facility is available. Once your bank confirms, you can avail of this facility to transfer your debt on ADIB credit card to another bank’s credit card and the debt on ADIB credit card will be paid. To avail of this facility, follow these steps:
Contact your credit card provider and request them to use this facility
- Provide your card provider with your ADIB credit card details
- Mention the amount you wish to transfer
If you choose to use this facility confirm that the credit card has a lower interest rate than the ADIB credit card otherwise you will end up paying more amounts.
Should I use another credit card to make an ADIB credit card bill payment?
While there are some options available to make ADIB credit card payments via another credit card, you are advised to not use this method unless it is your last resort. When you choose this mode, all you do is transfer your debt from one card to the other. Your debt remains in your credit record and you will require making the payment. Since the debt will reflect in your report, it may hamper your credit score in the longer run.
Do I need to make a complete payment on the ADIB credit card bill?
With an ADIB credit card, you receive flexible payment options. You are not obligated to make complete payment on your ADIB credit card bill. The bank lets you make a partial payment as well. However, in that case, you will require paying a monthly interest rate on your principal and interest.
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