How to Pay Ajman Credit Card Bill Payment Using Online & Offline Modes

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  | Published: 10 September 2021 | Last Updated On: 15 September 2021

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To add value to its stakeholders and customers, Ajman Bank was established as the first Islamic bank in the Emirates of Ajman in 2007. The bank is listed on Dubai Financial Market and the government of UAE owns 25% of its shares. With its headquarters in Ajman, the bank extends its services across UAE through digital kiosks, ATMs and cash deposit machines. Ajman Bank offers Sharia-compliant banking solutions for individuals, businesses, and big corporates. Among its popular products, the bank also offers a variety of credit cards and related services. Additionally, it provides easy access to its services like Ajman Bank credit card bill payment through various online and offline channels. A cardholder can choose any payment options at his/her convenience. While online credit card bill payment is secure, fast and reliable, individuals can still opt for various offline payment options and pay bills in person at the bank’s branch.

Ajman Bank Credit Card Bill Payment Through UAEFTS

All the banks in UAE are UAEFTS enabled and the account holders can use the facility for Ajman Bank credit card bill payment online. They simply need to log in to their internet banking account and settle the card statements. UAEFTS is a real-time gross settlement (RTGS) feature, which is monitored by the Central Bank of UAE. It monitors and regulates the transactions, making it completely secure and reliable. UAEFTS helps in transferring funds within the bank and across the network of other local and international banks in the UAE. 

Steps to Pay Ajman Bank Credit Card Bills Using UAEFTS   

Ajman Bank online banking uses UAEFTS for quick and convenient fund transfers. Individuals can use the facility to pay credit cards bill simply by logging into their bank accounts. Following are the steps for Ajman Bank credit card bill payment online using UAE Fund Transfer System. 

  • The account holder needs to enter his/her credentials and log in to the online banking account. 
  • In the bill payment section, they need to choose the credit card bill payment option. 
  • Later, they need to select the credit card issuer type. 
  • The cardholder may need to enter the card details and other information. 
  • Subsequently, select the amount you want to pay. 
  • Click on the ‘Pay now’ button. 

After successful payment, the bank notifies both parties. You don’t necessarily need to be an Ajman Bank credit cardholder for online bill payment using UAEFTS. Although, you must hold an Ajman Bank account to pay bills online. If you wish to pay the credit card bills through cash, you may need to visit an affiliated exchange house. 

Advantages & Disadvantages of Using UAEFTS for Ajman Bank Credit Card Bill Payment

Using UAEFTS for Ajman Bank credit card bill payment comes with its pros and cons as mentioned below. 

Pros

Cons

  • UAEFTS is a popular payment method in UAE where you can make Ajman Bank credit card bill payments without visiting the bank. 
  • You can use UAEFTS for making bill payments across various banks since all the banks in UAE use it. 
  • The payments are secure & reliable since Central Bank monitors and regulates the transactions. 

 

  • The payment includes nominal charges and you may need to pay an additional fee for the bill payment. 
  • Inter-bank transactions can take up to two days to reflect the payment. 
  • If you are making payments through exchange houses, you may first need to confirm whether they accept payment for your Ajman Bank credit card or not. 

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Ajman Bank Credit Card Bill Payment Options in UAE

Customers’ convenience and satisfaction are of prime importance to the bank. Hence, it offers numerous options for Ajman Bank credit card bill payment. Individuals can choose online and offline means for bill payment at their ease. Below are the various bill payment options available. 

How to Make United Arab Bank Credit Card Bill Payment Offline

  • Internet Banking - Individuals can use internet banking for Ajman Bank credit card bill payment. They simply need to log in to their account and make payments against their credit card bills by entering credit card details and bill payment amount.
  • Phone Banking - Another quick and reliable way for credit card bill payment online is Ajman Bank phone banking. All they need is to use their Ajman Bank mobile application and pay the credit card bills. 
  • Mobile Wallets -  Several mobile wallets like ApplePay and Samsung Pay are available in UAE. The cardholder can download and register on these mobile wallets for Ajman Bank credit card bill payment online. 

How to Make United Arab Bank Credit Card Bill Payment Online

Apart from the online payment modes, individuals can also pay their credit card bills offline through cash and cheque. They can visit digital kiosks (ATMs and CCDMs) or bank branches for credit card bill payment. Following are the offline means to pay off their card bills.

  • Payment through Cash - For cash payments, individuals need to visit a nearby ATM or CCDMs (Cash and Cheque Deposit Machines) or a nearby branch.
  • Cheque Payments - Similar to cash deposits, individuals can make credit card bill payments using cheques. They need to fill the deposit slip, mentioning the card and account details and submit the cheque with deposit slips. 

The offline payment method is slower and the bank may take 2-3 days to update the payment status. It is advisable to pay at least 7 days before the credit card due date. 

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Procedure for Ajman Bank Credit Card Bill Payment Offline in UAE

As mentioned above, individuals can pay Ajman Bank credit card bills offline using cash or cheques. Following are the steps to make offline payment by visiting ATMs, CCDMs or the bank branches: 

Steps to Pay Ajman Bank Credit Card Bills Payment via Cheques

  • Visit the bank branch or the CCDMs.
  • Mention details including the name of the credit card issuer and your credit card number. 
  • Write the bill amount on the cheque and sign it.
  • Enter your account number and contact details on the backside of the cheque.
  • Attach the cheque and the deposit slip and submit it to the bank or deposit it in the CCDMs.

Note: Not all CCDMs may accept cheque payments against credit card bills, and the individual needs to verify before making the payment. 

Steps to Pay Ajman Bank Credit Card Bill Payment through Cash

  • An individual can visit the bank to pay credit card bills via cash.
  • They need to enter the credit card and account details in the deposit form. 
  • Subsequently, they need to deposit the cash with the deposit form. 

Individuals can also deposit cash using cash deposit machines (CDM). All they need to do is select the credit card bill payment option in the deposit machine and follow the instructions. Later, deposit the cash and collect the receipt. In addition, they can directly use ATM to pay their own or other Ajman Bank credit card for bill payments. 

Procedure for Ajman Bank Credit Card Bills Payment Online 

Online credit card bill payment is one of the fastest means to pay your card bills. Individuals can follow the below-mentioned steps for Ajman Bank credit card bill payment online. 

Ajman Bank Credit Card Bill Payment Using Internet Banking

  • Individuals need to log in to their accounts using their login details.
  • Under the bill payment section, they will have to choose the credit card bill payment option. 
  • Later, they need to enter the Ajman Bank credit card details. 
  • The window will display the card amount payable. 
  • They can now choose to pay the credit card bills by clicking on the ‘Pay Now’ button.

The bank will deduct the amount and the individual will receive the billing confirmation. 

Ajman Bank Credit Card Payment Using Phone Banking

  • For making credit card bill payments using phone banking, individuals need to contact the bank’s representative on 80022 (available round the clock). 
  • They need to request for Ajman Bank credit card bill payment, mentioning their credit card number and other details as asked. 
  • The representative will process the request and confirm on successful payment. 
  • The bank will later issue the credit card payment receipt. 

Ajman Bank Credit Card Bill Payment Using Mobile Wallets or App

Credit card payments through mobile wallets are one of the easiest means of bill payments. Individuals need to download the mobile wallet apps and follow a few simple steps for card payments as mentioned below. 

  • Register yourself on the mobile wallet application.
  • Select the credit card bill payment option available in the mobile wallet application. 
  • Enter your Ajman bank credit card details and the registered mobile number. 
  • The wallet will display your current card statement. 
  • Pay the billing amount by tapping on the ‘Pay Now’ option. 

The amount will be paid against the credit card bill and you will receive a confirmation subsequently. 

How to Pay Ajman Bank Credit Card Bills Payment from Other Bank’s Credit Cards?

Ajman bank does not accept payments from other bank’s credit cards directly; however, individuals can still pay their outstanding balances using the balance transfer facility. In doing so, they can transfer their Ajman Bank credit card balance to another bank’s credit card and repay the amount in convenient installments. They can also use the cash advance facility to withdraw cash from another bank’s credit card. However, this method is not recommended since the charges for cash advances are very high. 

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