DIB Credit Card Bill Payment - Online & Offline
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Established in 1975, the Dubai Islamic Bank is one of the largest banks in the UAE. The bank offers multiple banking products and services like bank accounts, credit cards, loans, mortgages, etc. for both individual and corporate clients.
Dubai Islamic Bank credit cards extend the cardholders’ financial reach by providing attractive cashback, rewards and discount offers. They offer a borrowing facility with the leverage of not paying the cash borrowed back right away.
By using Dubai Islamic Bank credit cards, the cardholders can pay their utility bills, shopping bills, medical expenses and much more based on their needs and repay the same to the bank later. Here, we have listed a few ways of making Dubai Islamic Bank credit card payments on time to help you maintain your credit score and avoid any penalties.
Dubai Islamic Bank Credit Card Payment through UAEFTS
UAEFTS is an RTGS (Real Time Gross Settlement) platform operated and managed by the Central Bank of the UAE. The platform facilitates the transfer of funds and bill payments from one bank to another. Based on the norms in the UAE, most banks and financial institutions accept payments through UAEFTS. In case the cardholders are unable to visit the branch to pay their credit card bills, they can visit the nearest exchange house and make easy payments in just a few minutes.
Most banks in the UAE allow their cardholders to make credit card payments using UAEFTS. However, before choosing this as a payment method, the cardholders should check with their bank whether they accept the payments via UAEFTS or not.
If yes, the cardholders need to make a request to pay their credit card bills via RTGS. Mostly these requests get processed in real time and as soon as they are processed, both the payee and payer get notified. In case of any delays, the cardholders can check the status of their request during business hours.
Advantages of Using UAEFTS for Dubai Islamic Bank Credit Card Bill Payment
Here are a few advantages of using UAEFTS as your credit card payment mode.
- Easy Payments: With UAEFTS, the cardholders get an option to make credit card bill payments without visiting the bank’s branch.
- Globally Available: UAEFTS allows cardholders to make credit card bill payments via exchange house from any location across the globe.
- Available in Multiple Currencies: UAEFTS enables cardholders to make credit card bill payments in their preferred currency, transgressing the national barriers.
- Flexibility: Most banks in the UAE accept UAEFTS payments. This helps cardholders make credit card bill payments from another bank account without any hassle.
- Real-Time Notifications: The cardholders and credit card owners get real-time notifications for the bill payments processed via UAEFTS. This helps cardholders to keep track of their credit card transactions and payments.
Disadvantages of Using UAEFTS for Dubai Islamic Bank Credit Card Bill Payment
With all the advantages, making credit card payments through UAEFTS comes with a few disadvantages as well.
- Extra Charges: The cardholder needs to pay extra charges for making credit card bill payments using UAEFTS. The exchange house charges this additional fee for accepting the payments on behalf of the concerned bank. Thus, cardholders end up paying more than their credit card bill amount.
- Extra Charges for Multiple Payments: If the cardholders make a partial payment and want to pay the remaining amount later, they need to pay an additional fee with every part of the credit card bill payment.
- Processing Time: The credit card bill payments get processed in real-time with RTGS. However, it takes up to two business days for the payments to reflect in the system.
- Allocated Exchange Houses: Not all exchange houses accept credit card bill payments for all banks in the UAE. To locate an exchange house that accepts a credit card payment for the concerned bank can be a tedious task for the cardholder.
Dubai Islamic Bank (DIB) Credit Card Bill Payment Options in UAE
Along with the most beneficial credit cards offering attractive deals and discounts, the Dubai Islamic Bank also comes with multiple credit card bill payment options. To pay credit card bills, the cardholders can choose offline or online payment modes based on their convenience.
How to Make Dubai Islamic Bank (DIB) Credit Card Bill Payment Offline
Dubai Islamic Bank allows cardholders to make offline credit card bill payments using cheques or cash. The cardholders need to visit the bank’s branch to make offline credit card payments.
Dubai Islamic Bank (DIB) Credit Card Payment by Writing a Cheque
The cardholders need to write the cheque in the name of Dubai Islamic Bank to make credit card bill payments. They need to mention the credit card number, the amount to be paid, and sign the cheque before submitting it.
Also, the cardholders must mention their bank account number and contact details on the back of the cheque so that if it gets misplaced, the bank will be able to reach out to the payee.
The cardholders can deposit the cheque at Cash Deposit Machine (CDM) located at bank branches and ATMs. Keep in mind that the cheque issued from the Dubai Islamic Bank account may take 24 hours, while the one issued from any other bank may take up to three working days to get processed. The cardholders must submit the cheque at least four working days before the due date.
Dubai Islamic Bank (DIB) Credit Card Payment by Cash Deposit
The cardholders can also withdraw funds from their bank account and choose to pay their credit card bill at the nearest Dubai Islamic bank’s branch. Making payment through cash is the best way to clear your dues as the payment gets processed within minutes.
How to Make Dubai Islamic Bank (DIB) Credit Card Bill Payment Online
Dubai Islamic Bank allows cardholders to make easy online payments in just a few clicks. There are several ways of making online Dubai Islamic Bank Credit Card payments.
Dubai Islamic Bank Credit Card Payment via DIB Mobile App
Dubai Islamic Bank has an efficient mobile app for users to easily manage their finances. Credit card members can also register on this mobile app and easily manage their credit card transactions.
Here are the steps the credit cardholders need to follow to make bill payments using the DIB mobile app.
- Login to Mobile App: The cardholder needs to log in to the mobile app using their DIB customer ID and password.
- Go to the Credit Card Section: If the cardholders have multiple DIB credit cards, they can view all of them in this section. They can choose the credit card that they need to make payment for.
- Go to the Payments Section: The cardholder needs to click on the ‘Make Payment’ option to proceed with the process.
- Choose the Bank Account: On the next screen, the cardholder needs to select the DIB account they are willing to use for this payment.
- Enter the Amount: Next, the cardholder needs to enter the bill amount to be paid. They can also choose to make partial payments with the mobile app.
- Make the Payment: At last, the cardholder needs to click on the ‘Submit’ button after verifying the amount to be paid.
The payments made using DIB mobile app get processed instantly. The cardholders also get notifications on their registered mobile number for the same.
Dubai Islamic Bank Credit Card Payment by DIB Internet Banking
With Dubai Islamic Bank’s internet banking portal, users can easily manage their finances. Credit card members can also use these banking services for making hassle-free credit card payments.
Here are the steps they need to follow.
- Login to Internet Banking: The cardholder needs to log in to the online banking portal using their DIB customer ID and password.
- Go to the Credit Card Section: In this section, the cardholder can see all the credit cards assigned to them. They need to choose the card that they need to make payment for.
- Go to the Payments Section: Next, the cardholder needs to go to the payments section and process the credit card bill payment.
- Choose the Bank Account: On the next screen, the cardholder needs to select the DIB bank account from which they need to make the payment.
- Enter the Amount: Here, the cardholder needs to enter the credit card bill amount to be paid. They can also choose to make partial payments with internet banking services.
- Make the Payment: At last, the cardholder needs to verify the amount to be paid and click on the ‘Submit’ button to process the payment.
In most cases, the cardholders receive instant notification that the card payment is processed.
Dubai Islamic Bank Credit Card Payment by AutoPay
To maintain a good credit Score, you must make your credit card bill payments on time. AutoPay option saves cardholders from missing out on their credit card bill due date. If they have activated auto-payment service in their DIB or other bank’s account, the bill amount gets automatically deducted on the scheduled date.
The DIB credit cardholders can easily link their DIB bank account with their credit card using DIB mobile app or internet banking portal. Even if they own a bank account in another bank, they can still use this service. The only thing that the cardmember needs to do is add their DIB credit card to the other bank’s internet banking account and register for the auto-pay service.
Dubai Islamic Bank Credit Card Payment from Other Bank’s Internet Banking Portal
If the cardholders don’t own a DIB bank account, they can make Dubai Islamic Bank credit card payments online using another bank’s internet banking services where they own an account.
Here are the steps they need to follow.
- Login to Internet Banking: The cardholders need to log in to the concerned bank’s online banking portal using the provided credentials.
- Add the Credit Card Number: The cardholders then need to use their DIB Credit Card number as an account number to add it to the list of beneficiaries.
- Enter the DIB Details: On the next screen, the cardholder needs to provide the DIB account and credit card details to avoid any mistakes or using an incorrect card number at the time of making payments.
- Specify the Amount: Next, the cardmember needs to specify the credit card bill amount that needs to be paid from that third-party bank account.
- Confirm the Payment: The cardholder then needs to verify the credit card and bank details and enter any one-time password if it’s required for authentication purposes.
- Click on the ‘Submit’ Button: Once done, they need to click on the ‘Submit’ button to complete the payment.
The cardholders must understand that this payment doesn’t get facilitated by Dubai Islamic Bank. Therefore, in case of any errors or late payments, the bank will not be held responsible, and the cardholder will be subjected to pay the late payment charges.
If cardholders own a DIB account and still want to make credit card payments using an external bank account, they can transfer that amount to their DIB account and make safe and secure credit card payments.
Making Dubai Islamic Bank Credit Card Payment through Phone Wallet
Various financial institutions in the UAE offer phone wallet services to help their users make easy payments for their daily needs, including shopping for groceries, paying utility, medical, credit card bills and more.
Here is a list of phone wallets available in the UAE.
- Google Pay
- Apple Pay
- E-Wallet
- PayBy
- Samsung Pay
- Emirates Digital Wallet LLC and Klip
This is a next-generation payment platform that processes successful cross-banking payments. The cardholders can use their preferred phone wallet through their desktop, laptop or smartphone to make easy credit card bill payments.
Making Dubai Islamic Bank Credit Card Bill Payment from Other Bank’s Credit Card
Dubai Islamic Bank does not allow cardholders to make direct credit card bill payments using other bank’s credit cards. However, there are some indirect options that they can opt for, like balance transfer, cash loan, and others.
- Cash Loan: If the cardholder’s other bank credit card comes with a facility of borrowing cash against the available credit limit, they can do the same and make Dubai Islamic Bank credit card payment using that cash.
First, they need to contact their bank and check the process of activating this facility if available. Usually, the cardholder visits the chosen bank’s ATM and use their credit card to withdraw the borrowed cash based on the available credit limit for that specific credit card. They can then deposit the borrowed cash in the DIB cash deposit machine to make the credit card payment.
- Balance Transfer: Most banks in the UAE offer a balance transfer facility on their credit cards. With this service, the cardholders can consolidate and transfer their credit card outstanding balance to another bank’s credit card and then convert the same in monthly installments to make easy repayments.
The cardholders can contact the bank with whom they have another credit card and transfer their DIB credit card outstanding amount to that bank’s credit card using the balance transfer service. All they need to do is provide their DIB credit card details and the outstanding balance amount they need to transfer.
Once done, the cardholders can then schedule easy repayments based on their financial preferences. Please note that the banks in the UAE charge additional interest for using the balance transfer facility.
It is not advisable to use this method in most cases as it doesn’t clear out your debts and instead adds interest to them. It just helps with shifting your debt from one credit card to another and buying you some time to repay your debt. And if you don’t make these payments on time, your credit score can get impacted.
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