How to Auto Debit FAB Credit Card Payments?

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As one of the most eminent financial institutions in the UAE, First Abu Dhabi Bank (FAB) offers a plethora of banking products that cater to the diverse needs of its customers. Among these, FAB credit cards have emerged as a top choice for many UAE residents and are appreciated for their versatility and the vast range of benefits that they offer.

With that said, owning a credit card is a significant responsibility that requires diligent oversight, primarily to avoid defaulting on payments. Failing to clear your credit card dues on time can escalate your debt, incur penalties, and adversely impact your credit score.

Recognising these challenges, FAB has introduced a proactive solution - the FAB auto debit credit card payments feature. With this mechanism, you can easily automate the payment process and have the outstanding balance directly settled from your bank account before the due date, thereby averting potential financial missteps.

In the following article, we will guide you through the key details and procedures to effectively utilise the FAB auto debit credit card payment feature.

What is the Auto Debit FAB Credit Card Payment Feature?

The auto debit fab credit card payment feature is a feature provided by First Abu Dhabi Bank that automatically deducts the required amount from your credit cards bill from your designated bank account before the due date. It presents an efficient way to manage your credit card bills, ensure timely payments, and reduce the risk of late fees or penalties.

Here are the five key advantages of this feature -

  • Timely Payments: The auto debit feature ensures that your credit card payments are always made on time, which eliminates any possibility of late payment penalties.
  • Less Stress: Automating your credit card payments reduces the mental load of remembering due dates and the hassle of manually making payments each month.
  • Better credit Score: Consistent, timely payments can maintain and improve your credit score. This, in turn, can make it easier to access credit in the future.
  • Avoidance of Debt Accumulation: By ensuring that payments are made on time, you can prevent the accumulation of unnecessary debt due to late payment fees and higher interest rates.
  • Easy to Set Up and Manage: The auto debit feature is easy to use and manage which adds to its appeal.

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How to Auto Debit FAB Credit Card Payment?

You can easily set up the auto debit FAB credit card payment feature with your UAE personal bank account in two simple ways.

  • The first method involves setting up a beneficiary using your credit card details. This is a straightforward process that requires you to provide your credit card number as the beneficiary.
  • Alternatively, you can establish a standing instruction through the UAE Direct Debit Service. For this, you'll need to reach out to the bank’s 24-hour customer service centre by dialling 600 52 5500. Once you are connected, a customer service representative will guide you through the process of setting up a standing instruction.

Other Ways to Pay Your FAB Credit Card Bills

Aside from the auto-debit feature for FAB credit cards, there are several other convenient payment channels to manage your credit card bills -

  • FAB Branches: As a FAB cardholder, you have the option of visiting any First Abu Dhabi Bank branch for direct assistance. Once there, you can speak to a bank representative, who will help you with the payment of your FAB credit card bills. This method ensures that your payment is processed securely under the guidance of a trained banking professional.
  • FAB Cash Deposit Machines: First Abu Dhabi Bank also provides the facility of Cash Deposit Machines (CDMs), a type of self-service terminal that allows customers to make deposits and pay bills without the need for a bank teller. To use a CDM to pay your FAB credit card bill, you'll need to insert cash or a cheque into the machine, follow the prompts on the screen to navigate to the 'Pay Credit Card Bill' option, and enter your credit card number. The machine will instantly credit the amount to your credit card account and provide a receipt for your transaction.
  • UAE Bank Account: If you have a bank account with any UAE bank, you can use it to pay your FAB credit card bills. This can be done by logging into your internet banking account or mobile banking app and transferring the bill amount to your FAB credit card account. Once the payment is made, you'll receive a notification confirming the successful transaction. 

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Wrapping Up

First Abu Dhabi Bank (FAB), one of the premier banks in the UAE, offers a comprehensive range of financial products - this includes credit cards that are quite popular among UAE residents. While credit card usage brings numerous benefits, it also necessitates prudent management to avoid late payments, penalties, and adverse impacts on your credit score. Effective management of credit card bills, ultimately, is a crucial aspect of financial responsibility.

FAB has addressed these concerns by introducing the auto debit FAB credit card payments feature, which automatically settles your due amount from a designated bank account before the payment deadline. This feature comes with multiple advantages, such as ensuring timely payments, reducing stress, maintaining a healthy credit score, preventing debt accumulation, and providing an easy setup and management process.

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