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

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  | Published: 09 September 2021 | Last Updated On: 15 September 2021

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Ever since its inception in 1977, American Express has worked relentlessly to provide the highest standards of services to its customers in the UAE. AMEX (Middle East) B.S.C Emirates is a joint venture between Mawarid Investment Company and American Express. Presently, the company employs more than 500 dedicated employees providing services to individuals, corporates, merchants and more. 

Being a financial service company, American Express facilitates operations of various credit card unions & insurance companies, money managing businesses, etc. The company provides customers with access to different products and services, enriching their lives and growing their finances. 

Using your credit card is one aspect and paying the card bills is another. Paying bills becomes very convenient if your bank offers numerous bill payment channels. Hence, American Express credit card bill payment is as convenient as it could be with various online and offline payment options. An American Express credit cardholder can pay card bills online via UAEFTS (online banking) through payment partners and other offline modes.

American Express Credit Card Bill Payment Through UAEFTS

As a bank account holder in UAE, you can easily pay off American Express credit card bills through UAEFTS. All you need to do is log in to your bank account and settle the monthly statement by paying in Dirhams using the online banking facility. American Express has partnered with all the major banks in UAE, and the account holders of these banks can make an online payment by following a few simple steps. An individual holding an account in the following UAE banks can make American Express credit card bill payments online at their ease. 

  • Emirates NBD
  • HSBC 
  • Citibank
  • Commercial Bank of Dubai
  • RAKBANK
  • First Abu Dhabi Bank
  • United Arab Bank
  • Noor Islamic Bank
  • Habib Bank Limited
  • Dubai Islamic Bank
  • Habib Bank AG Zurich
  • Bank of Sharjah
  • Bank of Baroda
  • Abu Dhabi Islamic Bank
  • Abu Dhabi Commercial Bank 

Steps to Pay American Express Credit Card Bill via UAEFTS

Paying your American Express credit card bills through UAEFTS is very easy and quick. Using UAEFTS, individuals can conveniently pay the bills anywhere and anytime with complete security as it is regulated by the Central Bank of UAE. They can follow the below-mentioned steps to pay their credit card bills. 

  1. Log in to your internet banking/ mobile banking account. 
  2. Select the credit card bill payment option. 
  3. Choose the credit card issuer type. 
  4. Enter the details as asked by the bank. 
  5. Select the amount you want to pay. 
  6. Click on the ‘Pay Now’ button. 

The amount will be paid against the credit card bill and will be displayed in the card statement in the next billing cycle. 

Pros & Cons of Using UAEFTS to Pay American Express Credit Card Bills Payment in UAE

Although UAEFTS is quick and reliable, it has its own advantages and disadvantages. Following are the pros and cons of using UAEFTS for American Express credit card bill payment. 

Pros

Cons

  • UAEFTS is secure since it is regulated and completely monitored by the Central Bank of UAE.
  • It can be used to transfer funds and pay bills irrespective of the banks.
  • The bills can be paid locally within no time. 
  • There are no caps for paying credit card bills. 
  • The process is hassle-free and can be done with a few simple clicks from anywhere and anytime.
  • Almost all the banks have the UAEFTS facility and the services are included in your online bank account.
  • The account holder may need to pay a nominal UAEFTS fund transfer charge depending on the bank account. 
  • The account holders in the above-mentioned banks can only pay American Express credit card bills. 
  • In case you do not hold a bank account in UAE, you will have to pay credit card bills at certain exchange houses through UAEFTS. The charges for such transactions can be a little higher. 
  • It can be inconvenient to pay American Express credit card bills using UAEFTS through a non-partnered bank. 

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American Express Credit Card Bill Payment Options in UAE

With a variety of bill payment options, American Express credit cards offer convenient bill payment methods at customer’s ease. Apart from UAE Fund Transfer System (UAEFTS), American Express also offers various other online and offline payment options. Individuals are free to use any of the below-mentioned options for making American Express credit card bill payments. 

How to Make American Express Credit Card Bill Payment Offline

For hassle-free and effortless payment, American Express credit card comes with online bill payment options which include - 

  • Direct Debit Option - Individuals can conveniently settle monthly statements with the direct debit option by setting up debit instructions. Once the direct debit instructions are set, your American Express credit card bills will be automatically paid. Additionally, setting up an auto/direct debit instruction is quick and easy. All you need to do is fill a direct debit registration form and submit it to any of the AMEX offices. Instructions for direct debit is unique for every card and every cardholder (primary or secondary) needs to submit his/her own registration.  
  • Payment through Internet Banking/ Mobile Banking - Individuals can make American Express credit card bill payments online using digital or mobile banking by simply selecting the credit card bill payment option available in their online account. The option is available for partner banks and the funds are transferred through UAEFTS. 
  • Bill Payments via Payment Partners - Individuals can also pay their credit card bills via payment partners. They need to visit the partner institution and pay them in cash. The payment partners or exchanges will then use the UAEFTS method to transfer the funds against your American Express credit card account. One such payment partner is Emirates NBD, where you can pay your American Express credit card bills using cash deposit machines. The list of American Express credit card bill payment partners is given below - 
    • Sharaf Exchange
    • Al Ghurair International Exchange
    • EPPCO petrol stations
    • Al Ansari Exchange
    • Al Masaood Travels
    • Emirates NBD 
    • ENOC petrol stations
    • Al Fardan Exchange

How to Make Emirates Islamic Bank Credit Card Bill Payment Online

Individuals can also make American Express credit card bill payments offline at their convenience. They can visit any of the AMEX offices to pay in cash or cheque or use the postal services. Following are the various offline bill payment options for American Express credit cards. 

  • By Post - Individuals can send a cheque and the payment slip attached with their card statement to any of the AMEX front offices. While sending the cheque via post, they need to mention their account number on the back of the cheque. The bank will process the payment within 7 working days after receiving the cheque. 
  • In Person -  A cardholder can also make American Express credit card bill payments by visiting the AMEX office and paying the bill through cheque, demand draft or in cash. The company accepts AED as well as USD for cheque and cash payments.

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Procedure for American Express Credit Card Bill Payment Offline 

A cardholder can use the traditional offline payment method to pay off his/her AMEX credit card bills. The bank accepts cheques and cash deposits against credit card bills via offline channels. Following is the offline bill payment procedure for American Express credit card 

American Express Credit Card Bill Payment through Cheques

  • Visit the bank or post office at your ease.
  • Enter details like the name of the credit card company and your credit card number. 
  • Enter your bill payment amount on the cheque.
  • Mention your contact and account number on the backside of the cheque.
  • Attach your cheque with the deposit slip and submit it to the bank or post office. 

The bank will clear the cheque within 7 working days after receiving it and the payment will be updated in the forthcoming billing cycle. 

American Express Credit Card Bill Payment through Cash

  • To pay AMEX credit card bills through cash, individuals can visit the bank or a nearby exchange. 
  • They need to fill credit card bill payment registration form by entering the credit card details and their account details. 
  • Then they need to pay the cash along with the bill payment form. 
  • Individuals can also deposit cash using cash deposit machines. 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. 

Procedure for American Express Credit Card Bill Payment Online

Paying your American Express credit card bills online is the fastest and most convenient means of making bill payments. An account holder in any of the partner banks can follow the below-mentioned steps to make the credit card bill payment online.  

  • Individual needs to log in to his/her online bank account.
  • Then select the credit card bill payment option.
  • Choose the American Express credit card option. 
  • Enter the credit card details and other details as asked. 
  • Then they will have to fill the bill payment amount. 
  • Subsequently, they need to hit the ‘Pay Now’ button. 

The amount will be deducted from the account instantly and the account holders will receive a digital receipt. Individuals can also make online credit card bill payments using the mobile banking application. The procedure remains the same as above.  

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How to Pay American Express Credit Card Bills Using Other Bank Credit Cards in UAE ?

Individuals cannot directly pay American Express credit card bills using other bank’s credit cards. However, they can use the balance transfer facility to transfer their outstanding balance from American Express credit cards to another credit card. In such cases, they can also avail of lower repayment interest rates and a longer tenure to repay the amount.

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