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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.
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.
Here are a few advantages of using UAEFTS as your credit card payment mode.
With all the advantages, making credit card payments through UAEFTS comes with a few disadvantages as well.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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