Credit Card in UAE

The 10 Best Credit Cards for Paying Monthly Bills in UAE

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Most Popular Credit Card in UAE

Credit cards have become one of the most preferred financial instruments for managing daily expenses in the UAE. Whether you want to pay off your debts, and bills, or make utility payments, your credit card can come in handy. This is primarily due to the convenience and security offered by most credit cards. However, selecting the best credit card for yourself can prove challenging in terms of the benefits you get in return after making a payment, considering the sheer number of options available out there.

List of 10 Best Credit Cards for Paying Monthly Bills and Utilities

Here are the 10 best credit cards for utility bill payments-

1. Mashreq Platinum Elite Credit Card

As one of the best credit cards for utility bill payments, Mashreq Platinum Elite credit card offers a wide range of benefits and offers that make spending easier for all. Moreover, to be eligible for this card, applicants need a minimum monthly salary of AED 7,000 only. 

The following are the major features of the Mashreq Platinum Elite credit card –

  • Get a welcome bonus of AED 1,500 on applying for your first credit card and AED 200 for existing credit card customers
  • Earn Salaam points on each international and local spend – 5 Salaam points per AED for international payments, 1 Salaam point per AED on local spending, and 3 Salaam points per AED on supermarket and dining payments
  • Free airport transfer facility (applicable in Abu Dhabi and Dubai)
  • Complimentary access to Fitness First on up to 8 visits per month
  • Free access to airport lounges globally
  • Get a 50% discount on VOX, Novo, and Reel cinemas
  • Exclusive offers and deals from Visa

2. Emirates Citibank Ultima Credit Card

The Emirates Citibank Ultima credit card is among the best credit cards for utility bill payments, with one of its most notable features being that you earn skyward points whenever you make payment. These reward points, credited to your account after making monthly bill payments, can later be used for various free or discounted purchases. 

Read below to find out the benefits of using this credit card –   

  • Primary cardholders get a metal card
  • Welcome bonus of AED 25,000 skyward miles
  • Earn AED 10,000 miles annually upon payment of the annual fee
  • Get up to 2.5 Skyward Miles per $ spend on Emirates.com, 1.5 Skyward Miles per $ for non-AED spending, and 1 Skywards Mile on each $ local spend
  • Get complimentary access to 1,000+ global airport lounges
  • Enjoy complimentary golf on weekdays and each weekend once a month

Cashback Back & Free Airport Lounge Access - Policybazaar uae

3. Citi Cashback Credit Card

Offered by Citibank, Citi Cashback credit card lets you earn cashback on various payments made using the card – all along with numerous other features and rewards that enhance your spending experience and make it one of the best credit cards for bill payments. 

The following are the key features of the Citi Cashback credit card –

  • Zero annual fee for the first year – from the second year onwards, no annual fee is charged if the total credit card spend is at least AED 9,000
  • Automatic cashback on all eligible purchases
  • Get 3% cashback on non-AED spending
  • Avail of 2% cashback with the Citi Cashback credit card on your grocery or supermarket purchases
  • 1% cashback on all other purchases made using your Citi Cashback credit card
  • Unlimited complimentary access to airport lounges worldwide

4. ADIB Cashback Credit Card

Abu Dhabi Islamic Bank offers two types of cashback credit cards, with both cards being considered among the best credit cards for bill payments as well as the best cashback credit cards. Check out their key features below – 

A. ADIB Visa Cashback Card

  • 1% flat cashback on all payments
  • Option to get free roadside assistance as per your requirements
  • Avail of up to 4 free supplementary cards
  • Complimentary access to airport lounges across the world 
  • Facility to convert your entire credit limit to cash provided

B. ADIB Cashback Visa Platinum Card

  • Get 1% cashback on all eligible payments
  • Get up to 4 free supplementary cards
  • Avail of free complimentary access to airport lounges worldwide
  • Convert 100% credit limit into cash
  • Get free roadside assistance

5. DIB Prime Platinum Credit Card 

DIB Prime Platinum credit card is another choice among the best credit cards for utility bill payments in the UAE. This card is remarkable in that it offers both reward points as well as benefits related to insurance. 

Listed below are the other features of the DIB Prime Platinum credit card –  

  • Earn Wala’s rewards with all your spending 
  • Enjoy your stay at Visa Luxury Hotels with exclusive benefits offered by this card
  • Free roadside assistance
  • Avail of personal accident and travel insurance coverage
  • Enjoy the benefit of Credit Shield Takaful
  • Easy access to DIB Prime Platinum credit card balance transfer facility
  • Option to withdraw up to 80% of your credit limit in the form of cash

6. Emirates Islamic Cashback Plus Credit Card

Excellent cashback options and offers related to travel, dining, and more are what make Emirates Islamic Cashback Plus credit cards one of the best credit cards for bill payments. 

Refer to the following list to find out more about the key benefits of this Emirates Islamic credit card – 

  • Get up to 10% cash back on dining, telecom, education, and grocery spending
  • No annual membership fee applies for the Emirates Islamic Cashback Plus credit card
  • Unlimited free airport lounge access at 1,000+ airports across the world
  • Free valet parking facility (once every month)
  • Two complimentary golf rounds on any day in a week
  • Complimentary access to Sharjah Ladies Club and Dubai Ladies Club
  • Enjoy auto Salik top-up facility
  • Avail of ‘buy 1 get 1’ offers on Reel Cinemas movie tickets
  • Multi-trip travel insurance
  • Enjoy your stay at world-famous luxury resorts and hotels

7. Standard Chartered Manhattan Platinum Credit Card 

The Standard Chartered Manhattan Platinum credit card is another contender in the list of the best credit cards for utility bill payments, with a plethora of offers provided by the card apart from reward points. 

Check out the key advantages of the SC Manhattan Platinum credit card –

  • Earn 1 reward point on every $1 spent locally or internationally
  • ‘Buy 1 Get 1’ facility at Costa Coffee
  • Enjoy Buy 1 Get 1 benefit on movie tickets at VOX cinemas
  • Get USD 50 off on flights and hotel packages with a minimum spend of USD 1,200
  • Attractive offers at Dine & Fly with DragonPass
  • Avail of up to 30% discount on your bill at Visa Timeout
  • Get up to 20% off at top golf courses in the UAE
  • Purchase protection service for all the damaged and lost goods purchased with the Standard Chartered Manhattan Platinum credit card
  • Enjoy the benefit of Credit Shield Insurance 

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8. Emirates NBD LuLu Credit Card

Emirates NBD LuLu credit card, another one on the list of the best credit cards for utility bill payments, is an excellent choice for individuals seeking easy payment of utility bills. Besides cashback, one can also access a variety of other benefits such as the ones discussed below – 

  • Earn up to 1% LuLu reward points on your utility bill payments
  • Get 0.35% LuLu reward points credited on other spending
  • Free unlimited access to select airport lounges globally
  • 2% reward LuLu points credited on fuel spending
  • 500 LuLu points as a welcome offer on activating your Emirates NBD LuLu credit card
  • Get Buy 1 Get 1 offer on movie tickets at VOX cinemas
  • Avail of shopping offers, discounts, and free shipping at LuLu stores

9. ADCB Traveller Credit Card 

Paying off your utility bills using the ADCB Traveller credit card can help you earn TouchPoints and enjoy a host of other benefits. Moreover, you can utilise those earned points to avail yourself of offers and discounts on flight bookings, hotel bookings, and many more. 

Here is what you can get with an ADCB Traveller credit card – 

  • Get 2 TouchPoints per AED 1 purchase (applicable for all domestic expenditures)
  • Avail of 15% discount on staycation offers at cleartrip.ae
  • Complimentary lounge access at select airports worldwide
  • Get 20% off on flight bookings
  • Complimentary travel insurance with the ADCB Traveller credit card
  • Up to 10% cashback on Booking.com
  • No foreign currency fees
  • Access to credit card balance transfer
  • Free access to golf courses in the UAE
  • Get a discount on purchases at Talabat Grocery & Food Delivery
  • Credit Shield with a complimentary life cover 

10. HSBC Platinum Credit Card 

The final card in our list, the HSBC Platinum credit card is considered one of the best credit cards for utility bill payments owing to the vast range of benefits provided by it to users. 

Here are the salient features of the HSBC Platinum credit card – 

  • Earn Air Mile reward points on each spending
  • Individuals can redeem their Air Mile reward points for flight bookings, hotel bookings, and retail vouchers
  • Get ‘Buy 1 Get 1’ movie ticket offers on 2D, 3D, and 4D movies with VOX cinemas
  • Up to 15% discount on British Airways tickets
  • Enjoy dining offers at the airport with DragonPass Dine and Travel Programme
  • Avail of Golf Access Programme with the HSBC Platinum credit card
  • Utilise credit card balance transfer facility
  • Supplementary credit cards for your family members

Advantages of Using the Best Credit Card for Utility Bill Payment

Before moving on to the best credit card options available, let’s have a look at the benefits of using credit cards for utility bills payment –

  • With hectic day-to-day schedules, individuals often tend to forget the payment of utility bills within the billing cycle. This, however, can negatively impact you as delayed/missed payments not only affect your credit score but also incur additional charges as well. Such a situation can be easily avoided with credit cards, as they allow users to set up an ‘autopay’ system for their credit card bill payments. With autopay, you can set up dates on which the payments will automatically be made from your card to save you time and pay bills promptly.
  • Credit cards offer plenty of benefits and additional offers. With every payment, reward points are credited to one’s account. These earned reward points can be utilised for making discounted purchases and availing of other complementary services such as free access to airport lounges, offers on dining, shopping, and more. Thus, paying utility bills with credit cards can also add up your reward points each month and get you more benefits in turn.

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