How to Auto Debit ADIB Credit Card Payments?

Another feature of ADIB credit cards is the Auto Debit feature, which automates your credit card payments. This way, you can ensure timely settlements, avoid late fees, and effortlessly maintain a positive credit score.

In this article, we will dive into the convenience and peace of mind that the Auto Debit feature brings to ADIB credit cardholders.

How to Pay Your Credit Card Bills?

Before moving on to auto debit credit card payments, let’s shed some light on how you can pay your credit card bills.

As an ADIB credit card holder, it is crucial to pay your credit card bills on time so that your credit Score remains unaffected. This is indeed the best way to escape hefty profit rates and other charges. As per various financial experts in the UAE, you should pay off your credit card bill as soon as you make a purchase.

If you carry a balance from one month to the next, you end up getting charged additional fees — this, in turn, can create years of debt. Thus, you should make sure to pay your credit card bill in full.

Given that it is tiresome and troublesome to visit the bank to make a credit card bill payment, there are some easy ways to pay your credit card bills in full and on time. Read further to know more.

Abu Dhabi Islamic Bank Auto Debit Credit Card Payments

Neglecting your monthly credit card payments can lead to costly repercussions, including additional charges, elevated finance fees, and a decreased credit score. Despite seeming insignificant initially, these fees can rapidly accumulate, resulting in substantial bills. This is partly due to the fact that when payments are not settled in full by the stipulated date, the typical 30-day grace period often doesn't apply to new transactions.

If both your credit card and salary account are held at the same bank, using the automated direct debit feature ensures that you don't overlook any payments. In case the accounts are held at different banks, you can consider setting up a reminder on your smartphone to make your payment a few days prior to the deadline.

ADIB provides a direct debit service for settling your credit card dues. By enrolling in this direct debit service, you authorise your bank to deduct a specified amount on a designated date. This arrangement enables your bank to automatically settle your credit card bill from your account each month, eliminating the requirement for any additional steps on your part.

It's important, however, to ensure that your bank account has sufficient balance before the scheduled deduction date every month. If your account lacks the necessary funds, the bank won't be able to process the credit card payment, which would make it your responsibility to cover the payment. Failing to meet the payment deadline will result in a penalty, as the bank will not assume liability for the delayed payment.

Other Payment Options for Making ADIB Credit Card Payments

Let’s discuss some other prominent ADIB credit card payment methods -

UAEFTS -

Utilising the Real Time Gross Settlement (RTGS) framework, the UAE Funds Transfer System (UAEFTS) facilitates seamless transfers of funds between different bank accounts. UAEFTS stands out as a highly dependable and secure avenue for fund transfers within the UAE, as it operates under the ownership, administration, and supervision of the Central Bank of the UAE.

This system also allows for the convenient settlement of ADIB credit card bills through authorised exchange houses. To pay your ADIB credit card bill using UAEFTS, you can go to any Al Ansari Exchange branch or Al Fardan Exchange branch.

To locate the nearest Al Ansari branch, you can visit: https://alansariexchange.com/branches/

For finding the closest Al Fardan Exchange branch, refer to: https://alfardanexchange.com/branches/deira/

It's important to be aware that the exchange house will levy a certain fee for processing your ADIB credit card bill payment. Additionally, bear in mind that it might take up to two working days for an ADIB credit card payment, executed through the exchange house, to be reflected in your account.

Offline Methods

ADIB also provides the convenience of offline credit card bill payment through more than 70 branches, where you can use either cash or a cheque. To settle your ADIB credit card bill offline, a straightforward visit to the nearest branch is all that's required!

Via Cheque -

In case you opt for an offline ADIB credit card bill payment, you can easily draft a cheque for this purpose. For this, simply follow these guidelines -

• Indicate your 16-digit credit card number and mention ADIB as the bank's name in the payee section of the cheque.
• Clearly state the intended payment amount.
• Make sure that your signature is present on the cheque — an absent signature will render the cheque invalid.
• On the blank side of the cheque, provide your bank account number and contact number.
• Complete the accompanying deposit slip.
• Proceed to deposit the cheque at an ADIB branch or use a Cash and Check Deposit Machine (CCDM).

Within a span of 24 hours, your ADIB cheque will undergo the bank's clearance process, with the payment promptly reflecting within the subsequent day.

It's worth noting that if you make your ADIB credit card bill payment through another bank's credit card, the cheque's clearing process may extend to up to 3 working days before the payment is visible. To preempt any late fee charges, it is recommended that you initiate the payment at least 4 working days before the due date.

Another key point here is that since ADIB is not overseeing this payment method, any late payment penalties will be charged and the bank cannot be held accountable for such delays.

Via Cash -

To simplify the process and prevent any inconvenience from late payments, ADIB provides the option to settle your credit card bill offline using cash. This is the fastest approach, guaranteeing instant payment and reflecting on your card within minutes.

In case you are making payments on the final day, this method stands out as the most dependable way to ensure your payments are successfully processed. You can conveniently deposit cash at a CCDM or a bank branch.

Via Phone Banking -

With banking, you can easily pay your credit card bills on time. To perform personal banking transactions, simply call on 600543216 (domestic) and +971 2 6100600 for international transactions.

This service is available 24/7, regardless of business hours or days. Only individuals holding ADIB savings and current accounts are eligible to utilise this feature. When you set up your bank account, you can establish a personal identification number, which will be utilised for phone banking purposes.

Online Methods

Via Mobile Application -

ADIB offers immediate banking solutions through its official mobile app. This app enables you to settle your ADIB credit card bill in under a minute. Please note that this feature is exclusively available to ADIB account holders.

To make a payment through the official ADIB mobile app -

• Log into the ADIB mobile app.
• Navigate to the card payment section.
• Access your list of cards and choose the one that you wish to make a payment for.
• Select the card.
• Mention the payment amount.
• Finalise the payment process.

Via Internet Banking -

To pay your ADIB credit card bill online through your desktop, follow these steps on the ADIB website -

• Sign in with your registered net banking ID.
• Navigate to the card payment section.
• View your list of cards and pick the one that you wish to make a payment for.
• Click on the card and provide the payment amount.
• Complete the payment.

To Conclude

Effectively managing your ADIB credit card payments is essential to maintaining a healthy credit score and avoiding unnecessary fees. Prompt payment is advised to prevent accumulating additional charges and potential long-term debt.

For ADIB credit card holders, automated direct debits from the same bank can ensure timely payments. On the other hand, if accounts are held at different banks, one can use options like setting reminders or using ADIB's direct debit service. Whichever option you go with, just check that your account has sufficient funds before the deduction date.

Other options for credit card payments include the UAEFTS system for secure fund transfers and settling ADIB credit card bills through authorised exchange houses. Offline methods involve paying through branches or using cheques, while online methods encompass mobile app and internet banking.

Select the method that suits your convenience to manage your ADIB credit card payments effectively.

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