Credit Card Login

Credit cards have become a popular credit instrument, with these cards helping users make transactions while borrowing money within a pre-set credit limit (determined as per the user’s profile, credit score, income, and more). Besides swiping them offline, you can also use them online to easily purchase any product or avail of any service within the stated credit limit.

In addition to making transactions, you can also check your card's details such as available credit card limit, cash limit, recent transactions, previous bills, and more using the credit card login feature. This can also come in handy with respect to their security, as you can use the credit card login facility to block your card, change its PIN, set up auto-pay, and so forth. 

Let’s explore the features of credit card login in detail and cover its registration, login process, benefits, and more.

Credit Card Login: What is it?

Once you get a credit card from a bank, the next step would be to get access to your credit card to start using it. You can easily access your credit card online by heading to the issuer's official website and logging into your account, or registering to create credit card login credentials if not done yet. 

With the help of a credit card login, you can see all the details related to your credit card information online instantly. This facility is easy to use and allows you to access all the required information and a host of services. 

  After credit card login, you can perform the following activities – 

• Get a record of your credit card spending
• Access lucrative offers and benefits associated with your credit card
• Access credit card statement
• Check the record of unauthorised transactions
• Easily make fund transfers 
• Pay credit card bills on or before the due date

Credit Card Net Banking

As discussed earlier, the credit card login facility can help you use your credit card online and manage it easily. You can register for a credit card net banking facility to make the most of credit cards and use their online services. 

Once you have registered for the net banking facility, you can use net banking to check the available credit card balance and credit card limit, get an instant credit card statement, use the credit card for online purchases, transfer funds, and more.

Credit Card Net Banking Registration Process

To get access to your credit card, you can opt for any of the following channels and activate your credit card – 

1. Mobile Banking
2. Online Banking
3. Phone Banking
4. SMS Banking
5. Automated Teller Machine (ATM)

Mobile Banking

To activate your credit card using the mobile banking process, you should first register yourself with the mobile banking facility of the concerned financial institution. For this, head to the official website of the bank and locate the ‘online banking’ option (you can also use your bank's mobile application to follow this process).

Click on it, follow the instructions, and authorise the registration process using the SMS code sent to your registered mobile number, ATM, phone banking, email address, or by visiting a branch. After verification, set up your user ID, security or secret questions, and password to complete the process. 

Once you have registered for the mobile banking facility, follow these steps to activate and access your credit card for online/offline services – 

• Login to mobile banking using credentials
• Click on the hamburger menu or locate the 'security settings on the page
• Provide answers to the security questions
• Choose the credit card you want to activate by tapping on 'card activation' 
• Authorise the request by entering the authorisation code sent to your registered mobile number
• After verification, set a 4- digit PIN
• You can now use your card to perform services online

Online Banking

You can also register your credit card with the online banking facility. Before that, however, you would be required to register for this facility using the same process as discussed above. After registration, you can activate or register your credit card for contactless payments in this way – 

• Head to the official website of the lending institution
• Login to online banking using username and password
• Locate the ‘My Finances’ or ‘Cards’ option on the page
• Tap on the 'Card Activation 

Phone Banking

Some financial institutions in the UAE also provide phone banking facilities to activate your credit card. Here, you simply need to keep your credit card handy while calling and enter the correct credit card details when asked.  You can also use your registered mobile number to skip the authorisation code requirement and fast-track the credit card registration process.

SMS Banking

You can use the SMS banking facility for the credit card registration process as an alternative to the above-stated methods. All you have to do is visit the concerned bank's official website and find the SMS banking number for credit card activation. Send an SMS with the code provided on the website from your registered mobile number. After verification, you may get a call from the bank. Follow the prompted instructions and activate your credit card.

Automated Teller Machine (ATM)

Yet another method to get your credit card activated and registered is to use the ATM of the concerned bank or financial institution. To do this, visit your nearest ATM of the said institution, insert your credit card, and enter the authorisation code sent to your registered mobile number. Locate the 'Debit/Credit Card Activation' button and use the 4-digit PIN for the activation process. 

Credit Card Login Process

Once you have registered your credit card using any of the channels mentioned above, you can use the login credentials (username and password) to access the online services and get your account details.  

For credit card login, follow the steps listed below – 

• Go to the official website or mobile application of the credit card issuer
• Locate the online banking section
• Click on the ‘Login’ option
• You will be redirected to the login page, where you would have to enter the credentials
• Tap on the ‘login’ button to complete the process

Facilities Provided by Credit Card Net Banking

Using your credit card with online internet banking can be pretty helpful, as you can make use of some facilities such as – 

• Buy Now, Pay Later: One of the defining features of credit cards is that they allow you to make the purchase today while paying for it at a later date. Your credit card comes with a credit limit applicable to such purchases. A remarkable aspect of this benefit is that the top lending institutions in the UAE offer an interest-free grace period in which you don't have to pay additional charges on your purchases in the form of interest.
• Discount & Cashback Advantage: By using credit cards online, you can also score discounts, redeemable rewards, welcome bonuses & cashback offers on lifestyle, dining, entertainment, and travel at selected stores. You can then take advantage of the offers while making online or offline purchases.

Credit Card Net Banking Benefits

Given below are some benefits of using credit card net banking in UAE –

• Tackle Unauthorised Transactions: It can be daunting to report a stolen or lost credit card when the information required to contact your card's customer service is mainly provided on your card. With credit card net banking, however, you can simply log in with your credit card using the official website of the lender and report a missing or stolen credit card. In addition, you can also check the transactions and report any unauthorised transactions easily.
• Manage via a Smartphone Application: In case you are unable to use the official website of the financial institution, you can always use the mobile application to get all the details related to your credit card. Thus, with credit card net banking, you can get access to your credit card at any time and from anywhere.
• Monitor Transaction in Real Time: With the help of credit card net banking, you won't have to wait for your billing statements - you can easily log in and get details related to your transactions in real-time. This can help you monitor your account activity and report fraudulent transactions much faster.
• Convenient and Safe Payment Method: Credit cards are a secure and safe financial instrument in the UAE. Apart from their high security, credit cards are also easy to use and help you make cashless transactions.
• Enhance your aecb credit score: You can easily and frequently use your credit card through credit card net banking. Using your credit regularly and repaying the bills on time can positively impact your credit score, which allows you to secure credit at favourable terms in the future.

Top Banks Offering Credit Card Net Banking Service

Almost every lending institution in UAE offers credit card net banking service by default to provide convenience and ease to their customers. Some of the top financial institutions offering credit card net banking services are - 

• Emirates NBD
• Citibank
• Abu Dhabi Commercial Bank
• Abu Dhabi Islamic Bank
• RAKBANK
• Mashreq Bank
• Emirates Islamic Bank
• First Abu Dhabi Bank

Frequently Asked Questions (FAQs)