How to Pay Emirates Islamic Bank (EIB) Credit Card Bill Payment Using Online & Offline Modes
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Founded in 2004, Emirates Islamic Bank follows the Sharia-compliant concepts of Islamic banking. Emirates Islamic credit cards have been designed to incorporate the financial investment benefits for the cardholders. Emirates Islamic Bank Credit Cards enable cardholders to fulfill their financial needs and repay for the same later.
Emirates Islamic Bank offers a wide range of credit cards with cashback and discount benefits. Credit cards offer various loyalty and reward programs. Along with all the excellent benefits and features, Emirates Islamic Bank comes with efficient ways of making credit card payments for cardholders.
In this post, we will take you through various quick and easy ways of making Emirates Islamic Bank Credit Card payments online and offline.
Emirates Islamic Bank Credit Card Payment through UAEFTS
UAEFTS is a popular financial RTGS platform operated by the Central Bank of the UAE. Various banking customers can make easy fund transfers, card payments, and loan repayments using this platform. The platform is known for simple transactions made from one bank to another.
Most banks and other financial institutions in the UAE allow their credit card members to make credit card payments through UAEFTS. UAEFTS has multiple exchange houses at various locations in the UAE. The best part is that if the cardholders are unable to visit their concerned bank’s branch to pay their credit card bills, they can visit the nearest exchange house to make their credit card bill payments without any hassle.
Advantages of Using UAEFTS for Emirates Islamic Bank Credit Card Bill Payment
Here is a list of advantages cardholders get when making their Emirates Islamic Bank credit card payments through UAEFTS.
- Available in Multiple Currencies: UAEFTS enables credit card members to make their card payments in their preferred currency, transgressing the national barriers.
- Easy Bill Payments: UAEFTS allows cardholders to visit any of the exchange houses and make their credit card payments. They need not visit the bank’s branch to pay their bills.
- Worldwide Availability: The cardholders can make their credit card payments using UAEFTS from any location across the globe.
- Flexibility: The cardholders with their bank accounts in a different bank can also make easy payments through UAEFTS. However, they may have to pay some additional charges for the service.
- Real-Time Notifications: Both the payer and the payee get real-time notifications for the bill payments processed via UAEFTS. This helps them keep track of their transactions and other financial activities.
Disadvantages of Using UAEFTS for Emirates Islamic Bank Credit Card Bill Payment
With all the advantages, credit card payments through UAEFTS also come with a few disadvantages.
- Extra Charges: The cardholders need to pay additional charges for availing of credit card payment facilities through UAEFTS. The platform charges this additional fee for accepting payments on behalf of other financial institutions. Thus, cardholders end up paying more than their credit card bill amount.
- Processing Time: UAEFTS helps cardholders process their credit card payments in real-time. However, it takes up to two business days for the payments to reflect in the system.
- Additional Charges for Split Payments: In case the cardholders make a partial payment and want to pay the remaining balance later, they need to pay an additional fee with every single part of the credit card bill payment.
- Allocated Exchange Houses: With UAEFTS, there are exchange houses allocated to banks. So not all the exchange houses accept credit card bill payments for all banks in the UAE. The cardholders need to contact their bank to locate an exchange house that accepts their credit card payment on behalf of the specific bank.
Emirates Islamic Bank Credit Card Bill Payment Options in UAE
Along with rewarding credit cards offering exciting deals and offers, the Emirates Islamic Bank also comes with convenient credit card payment options for cardholders. Emirates Islamic Bank Credit Card members can opt for plenty of online and offline credit card payment modes based on their financial preferences.
How to Make Emirates Islamic Bank Credit Card Bill Payment Offline
Emirates Islamic Bank credit cardmembers can make offline payments using cheques or cash. All they need to do is visit the bank’s branch and make the payment using their chosen mode.
Emirates Islamic Bank Credit Card Payment by Writing a Cheque
To make payment using a cheque, the cardholders need to write the cheque in the name of Emirates Islamic Bank. They need to mention their Emirates Islamic Bank credit card number and the amount payable before submitting the cheque.
Also, the cardholders need to mention their contact details and bank account number at the back of the cheque to help the bank contact them in case they have any issues.
The cardholders need to visit either the bank’s branch or the ATM to deposit the cheque. They must keep in mind that the cheque issued from Emirates Islamic Bank Account may take 24 hours, while the one issued from any other bank may take up to three working days to get processed. The cardholders must submit the cheque at least four working days before the due date to avoid any late payment charges.
Emirates Islamic Bank Credit Card Payment by Cash Deposit
Emirates Islamic Bank Credit card members can also pay their credit card bills using cash. They can simply visit the bank’s branch or ATM and withdraw cash for the same. Most cardholders prefer making their Emirates Islamic Bank Credit Card payment through cash as it gets processed within minutes.
How to Make Emirates Islamic Bank Credit Card Bill Payment Online
Emirates Islamic Bank also enables cardholders to make online payments in just a few clicks. Here are a few effective ways of making Emirates Islamic Bank Credit Card payment online.
Emirates Islamic Bank Credit Card Payment via Emirates Islamic Bank Mobile App
Emirates Islamic bank offers a useful mobile app for users to help them manage their finances easily. The app also enables cardholders to have all the banking services right at their fingertips. The cardholders need to register themselves on this app and generate unique credentials to access it.
Here is the process to help credit cardholders make their bill payments using the Emirates Islamic Bank mobile app.
- Login to Mobile App: First, the cardholder needs to log in to the Emirates Islamic Bank mobile app using their unique User ID and Password.
- Go to the Credit Card Section: The cardholders need to go to the credit card section to view all their Emirates Islamic bank credit cards. Here they can choose the credit card that they need to make payment for.
- Go to the Payments Section: Next, the cardholder needs to click on the ‘Make Payment’ option to proceed with the payment process.
- Choose the Bank Account: In the next window, the cardholder needs to select the Emirates Islamic Bank account they want to use for making this payment.
- Enter the Amount: The cardholders can also choose to make partial credit card payments based on their financial preferences. In this section, they need to enter the amount they want to pay for their credit card bill.
- Make the Payment: To finally pay the amount, the cardholder needs to click on the ‘Submit’ button.
Once the process is completed, the cardholder will get a notification of the payment being processed. It takes one business day for the payment to reflect into the banking system.
Emirates Islamic Bank Credit Card Payment by Emirates Islamic Bank Internet Banking
Most banks in the UAE offer Online Banking Services for their customers to help them easily view and manage their finances. Emirates Islamic Bank credit card members can also use online banking services to make hassle-free bill payments. Here are the steps they need to follow.
- Login to Internet Banking: First, the cardholder needs to log in to the Emirates Islamic Bank online banking portal using their credentials.
- Go to the Credit Card Section: In this section, the cardholders can see all their credit cards and select the one they want to make payment for.
- Go to the Payments Section: Next, the cardholder needs to go to the payments section to proceed with the payment process.
- Choose the Bank Account: On the next screen, the cardholder needs to select the Emirates Islamic Bank account they want to use to make the payment.
- Enter the Amount: Here, the cardholder needs to enter the payable credit card bill amount. They can also enter the partial payment amount if they do not have enough funds available.
- Make the Payment: Last but not least, the cardholder needs to verify the amount payable and click on the ‘Submit’ button to process the payment.
With Internet Banking, the credit card payments get processed in minutes and the cardholders also get a notification for the same.
Emirates Islamic Bank Credit Card Payment by AutoPay
Paying your credit card bills in full and on time can help you maintain a good credit Score. That is why most cardholders activate auto-payment services in their bank accounts. The auto-pay service helps them make Emirates Islamic Credit card payments every month on scheduled time and date.
Let’s say the cardholder has an account in Emirates Islamic bank. They can simply call the bank to set up auto payments for their credit card bill payments. On the other hand, if they own an external bank account, they can add their Emirates Islamic Bank credit card as a beneficiary and set up auto payments.
The Emirates Islamic Bank credit cardholders can also link their Emirates Islamic Bank account with their credit card using Emirates Islamic Bank mobile app or internet banking portal.
Emirates Islamic Bank Credit Card Payment from Other Bank’s Internet Banking Portal
Emirates Islamic Bank Credit Card members can easily pay their bills even if they have a bank account in any other bank.
If cardholders don’t own an Emirates Islamic Bank account, they can make Emirates Islamic Bank credit card payments online by logging into the other bank’s online banking portal. All they need to do is add the credit card number as a beneficiary account number and transfer the funds to make the payment. Here is how they can do the same.
- Login to Internet Banking: First, the cardholder needs to log in to an external bank’s online banking portal using the provided credentials.
- Add the Credit Card Number: As already mentioned, the cardholders then need to add their Emirates Islamic Bank credit card number to the list of beneficiaries.
- Enter the Emirates Islamic Bank Details: Next, the cardholder needs to provide the Emirates Islamic Bank account and credit card details to proceed with the process.
- Specify the Amount: On the next window, the cardmember needs to specify the credit card bill amount that needs to be paid from that third-party bank account.
- Confirm the Payment: To finalize the payment, the cardholder needs to verify the details entered and provide a one-time password if it’s required for authentication purposes.
- Click on the ‘Submit’ Button: Once done, they need to click on the ‘Submit’ button to complete the payment.
The external bank account payment doesn’t get facilitated by Emirates Islamic Bank, so the bank will not be held responsible in case of any errors or late fees.
In addition, if the cardholder has an account in Emirates Islamic Bank but still wants to pay credit card bills using an external bank account, they can transfer that amount to their Emirates Islamic Bank account and make safe and secure credit card payments.
Making Emirates Islamic Bank Credit Card Payment through Phone Wallet
Most banks and other financial institutions in the UAE allow their customers to carry out their daily transactions using phone wallet applications. Credit card members can also use these apps to make easy and quick bill payments.
Here is a list of phone wallets available in the UAE.
- Samsung Pay
- Google Pay
- PayBy
- Apple Pay
- E-Wallet
- Emirates Digital Wallet LLC and Klip
Phone wallet apps are next-generation payment platforms to help cardholders make cross-banking payments. The cardholders can use their preferred phone wallet through their desktop, laptop or smartphone to make easy credit card bill payments.
Making Emirates Islamic Bank Credit Card Bill Payment from Other Bank’s Credit Card
Emirates Islamic Bank does not allow cardholders to use other bank’s credit cards to make direct bill payments. However, they can still opt for indirect bill payment options such as balance transfer, cash loans, etc.
- Cash Loan: If a cardholder has a credit card with a cash loan facility activated, they can use the same to borrow cash from their bank and then use this cash to make Emirates Islamic Bank Credit Card payment.
To use this service, they first need to contact their bank, apply for the cash loan against their available credit limit and set up a schedule for the repayment. Once the request gets approved, the cardholder can go to that bank’s ATM and withdraw the borrowed amount. They can then deposit the borrowed cash in the Emirates Islamic Bank cash deposit machine to make the credit card payment.
- Balance Transfer: Most credit cards in the UAE offer balance transfer services for cardholders. With this service, the cardholders can transfer their other bank’s credit card outstanding balance to one bank’s credit card and then convert the same in monthly installments to make easy repayments.
If the cardholder has one of the balance transfer credit cards, they can contact their bank to activate the service. Once done, they can then transfer their Emirates Islamic Bank credit card outstanding balance to the other credit card and clear out the billing amount. The only thing that the cardholder needs to do is provide the Emirates Islamic Bank credit card details and the outstanding balance amount they need to transfer. They must keep in mind that the banks also charge additional interest for using a balance transfer facility.
However, it is not recommended to use this method as it doesn’t clear out your debts and instead adds interest to them. With a balance transfer service, all you can do is shift your debt from one credit card to another one and buy some time to repay the credits. And if you don’t pay the consolidated bills on time, it can bring down your credit score.
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