How to Pay Commercial Bank of International (CBI) Credit Card Bill Payment Using Online & Offline Modes

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  | Published: 14 September 2021 | Last Updated On: 15 September 2021

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A credit card is of significant value nowadays. CBI credit card is very convenient when it comes to borrowing money as well as offers various advantages on using the card. You should make your CBI credit card bill payments on time. If not, you will be deprived of the benefits that come along with it. 

CBI Credit Card Bill Payment through UAEFTS in UAE

According to Real-Time Gross Settlement, UAEFTS refers to a fund transfer system that empowers the transfer of money from one account to another. UAEFTS is one of the most solid and secured transfer platforms in the UAE since it is claimed, facilitated and run by the Central Bank of the UAE. You can easily make your CBI credit card bill payments using this platform through exchange branches. If you want to pay your CBI credit card bill through UAEFTS, you can simply visit any Al Ansari exchange or Al-Fardan.

There are more than 200 branches situated throughout the UAE that accept CBI credit card bill payments.

You can find your closest Al Ansari branch at https://alansariexchange.com/branches/ 

You will be charged a small amount by the exchange house in order to pay your CBI credit bill. Kindly note that it can take up to 2 working days for the payment to reflect in your account.

Why Choose UAEFTS to Make CBI Credit Card Bill Payments

Using UAEFTS helps you in various ways: 

UAEFTS offers cross-banking transfers across the UAE. You can profit from this facility to make your CBI credit card bill payment from a different bank account. 

UAEFTS has this amazing feature of accepting foreign currencies without even exchanging them. You can make your CBI credit card bill payment easily even if you have dollars in your pocket. 

Exchange houses encourage you to make global payments. You can make your CBI credit card bill payments from anywhere in the world.

Commercial Bank of International (CBI) Credit Cards Bill Payment Options in UAE

When utilizing a CBI credit card is simple, for what reason should payment choices be troublesome? CBI Bank gives you numerous payment choices across two modes of payment, i.e. Offline and Online.

How to Make CBI Credit Card Bill Payment Offline

CBI has more than 65 branches where credit card bill payment is accepted offline via cash or cheque. In order to pay your credit card bill, you simply need to visit any of the branches and make payment in cash or cheque.

CBI Credit Card Payment via Cheque

If you want to pay via cheque, you should follow these important steps:

  1. Determine your 16-digit card number alongside your bank’s name ̶ i.e. CBI in the payee segment   
  2. Specify the amount of money you need to pay. 
  3. Your check won’t be approved if you forget to sign it.
  4. Pen down your account number and mobile number on the other side of the check. 
  5. You need to fill the deposit slip too.
  6. You have to deposit the cheque at the bank’s branch. 

Your CBI cheque is encashed within 24 hours and you will get an update about the payment in a day. In case you used another bank’s cheque to make your credit card bill payment, then it takes up to 3 days for it to reflect. You are encouraged to pay 4 days before the due date to avoid paying late charges. As the payment isn’t facilitated by CBI, the bank won't be responsible for the late payment and you will have to pay the fine.

CBI Credit Card Payment via Cash

To do away from the problem of delayed payments, CBI allows you to pay your credit card bill by card through cash. This is the fastest method that guarantees that the payment is processed right away and reflects in your card within no time. In case you have to make last-day payments, this process is the most dependable one to pay your bills. You can pay your bill in cash at the bank’s branch.

How to Make CBI Credit Card Bill Payment Online

CBI offers various online ways through which you can make your CBI credit card bill payment. By using this online service, you can save your outings to the bank every month. Online payment service saves your time as well as you don’t need to invest energy holding up in lines. Here are some of the ways you can leverage online payment services:

  • Phone Banking 
  • CBI Mobile App 
  • Internet Banking 
  • Direct Debit 
  • Payment from a different bank
  • Mobile Wallets 

CBI Credit Card Payment by Phone Banking 

At the point when you are not able to visit the bank and the internet isn’t working as well, you can utilise the mobile banking service to make your CBI credit card bill payment. You can utilise this service any day regardless of the working hours. This service can be enjoyed only by savings and current account holders. You will not be charged any money for this service.

CBI Credit Card Payment by CBI Mobile App 

To provide faster banking services, CBI has developed an application for you that allows you to make your CBI credit card bill payment in less than a minute. CBI account holders can profit from this service. To pay the bill with CBI Mobile App, follow these steps below: 

  • Sign in to CBI application 
  • Go to the bill payment section 
  • Choose the card you have to pay for 
  • Click on it
  • Determine the amount you have to pay
  • Complete the payment

CBI Credit Card Payment by Internet Banking 

In order to pay CBI credit card payments by internet banking, follow these simple steps: 

  • Sign in to your internet banking account 
  • Go to the bill payment section
  • Choose the card you want to pay for 
  • Click on it
  • Determine the amount you have to pay
  • Complete the payment
  • CBI Credit Card Payment by Direct Debit 

Sometimes your busy timetable doesn’t allow you to make your CBI credit card bill payment before the said due date. This can give rise to extra charges and can hinder your credit score as well. To counter these kinds of problems, CBI offers a direct debit facility. With this facility, you get to choose an amount that would be deducted by the bank on a certain date. Then the bank deducts this amount from your account as your credit card bill each month without your interference. You will have to take care of one thing, i.e. when the deduction day is near, you have to make sure that you have a sufficient amount of money in your account. If you fail to do so, the bank will not be able to make your CBI credit card bill payment, and you will have to pay it yourself through any other mode. If you failed to pay the bill before the due date, then the bank will not be responsible and you will be charged for late payment.

CBI Credit Card Payment from a different bank 

In case you are not a CBI account holder, you can still utilise your account to pay CBI credit card bills by following these simple steps: 

  • Sign in to your bank’s online website
  • Enter your credit card number in the recipient section carefully
  • Specify CBI as the recipient bank 
  • Enter the sum you have to pay as the credit card bill

CBI Credit Card Payment by Mobile Wallet

CBI always welcomes ideas that can save their customer’s time and energy. CBI additionally allows credit card payments through mobile wallets. The mobile wallet applications permit you to pay your bill in less than a minute. Some of the mobile applications that you can use are Google pay, Apple pay, Samsung pay, etc.

How can I utilise different bank’s credit cards to cover CBI credit card bills? 

If you can’t pay your CBI credit card payment, you can utilise another bank’s credit card to pay the required amount. However, you can’t make an immediate payment utilising another bank’s credit card.  There are two ways to make CBI credit card bill payments through another bank’s credit card, i.e. money withdrawal and balance transfer facility. 

Money Withdrawal 

You can use your credit card to withdraw cash from the ATM. This service is provided by most of the banks including CBI. So you can simply withdraw cash and make your CBI credit card bill payment by depositing it at the nearby CBI bank. This is the most reliable and easiest method to make your credit card bill payment.

Balance Transfer

Some credit card companies offer the balance transfer facility. This service is not accessible to all the users but some. When your bank affirms, you can use this service to transfer your CBI credit card dues to a different bank’s credit card. You can repay the dues at a lower interest rate.

Should I use another credit card to make CBI credit card bill payment?

Though there are a few options to make CBI credit card payments through another credit card, you should not use this method unless it is your only option. When you select this mode, all you need to 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.  

However, if you are low on the monthly budget, you can pay through other methods as mentioned above.

How can we help in making CBI credit card bill payments?

While we will not be able to assist you in making your CBI credit card bill payment, we can help you in finding credit cards with the balance transfer facility so that you can transfer your CBI credit card balance to another credit card and repay the amount later.

How to find a credit card with the balance transfer facility?

There are several credit cards with a balance transfer facility in the UAE. However, it can become overwhelming to find the right credit card that not only serves the purpose of CBI credit card bill payment but also meets your other requirements. To find the most suitable credit cards, you can visit our credit card webpage. You can also compare the attributes of various credit cards to determine which credit card is the most suitable one for you. 

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