How To Pay Emirates NBD Credit Card Bill Using Online & Offline Modes

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  | Published: 26 June 2021 | Last Updated On: 29 September 2021

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A credit card not only expands your purchasing power but it also comes with exciting offers to enhance your shopping experience. While using an Emirates NBD credit card is extremely beneficial, paying your credit card bill on time is even more beneficial since it improves your credit score and shoots up your credit limit. 

Emirates NBD Credit Card Bill Payment Through UAEFTS in UAE

Owned and regulated by the Central Bank of the UAE, UAEFTS is one of the safest methods of making your Emirates NBD credit card bill payments. UAE Fund Transfer System allows you to transfer your account balance from one bank to the other. Besides, this system also lets you make your Emirates NBD Credit Card bill payment from another bank through exchange houses. before making the payment, confirm with the exchange house if they accept Emirates NBD credit card payment. The exchange house may levy additional charges for availing the facility.

Is it beneficial to use UAEFTS to make Emirates NBD Credit bill payments?

There are many advantages of making your Emirates NBD Credit Card bill payment via UAEFTS:

  • If you are not able to access the Emirates NBD Bank branch, you can easily visit an exchange house and make your credit card bill payment.
  • Exchange houses facilitate international payments as well which means that you can transfer funds using UAEFTS from anywhere in the world.
  • You can use foreign currencies to make the payment via UAEFTS.
  • UAEFTS is a wide platform. The payment made using UAEFTS are accepted by all banks. This allows you to make your Emirates Credit Card bill payment from another bank account without any problem.
  • UAEFTS uses Real Time Gross Settlement (RTGS) technology to keep you updated about your transaction at every step.

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Emirates NBD Credit Card Bill Payment Options in UAE 

To ensure that you can make your Emirates NBD Credit Card bill payments comfortably, Emirates NBD offers you two modes i.e. offline and online. Both the platforms have multiple methods that can be used to make Emirates NBD Credit Card bill payments.

How to make Emirates NBD Credit Card Bill Payment Offline

The offline methods offered by Emirates National Bank let you visit the bank and make the payment to the bank through a cheque or cash payment. Before deciding to make Emirates NBD Credit Card Bill Payment offline, please locate the nearest bank branch at https://www.emiratesnbd.com/en/branches-and-atms/

Emirates NBD Credit Card Payment by Cheque

If you want to make Emirates NBD Credit Card bill payment offline via cheque:

  • Write a cheque in the favour of Emirates NBD and specify the account number (credit card number) in the payee column
  • Mention the amount to be paid
  • Sign the cheque
  • Mention your bank account number and contact number on the blank side of the cheque
  • Fill in the correct details in the deposit slip
  • Deposit the cheque to ‘Cheque and Cash Deposit Machine (CDM)’

An Emirates NBD account cheque may take up to 24 hours to clear and a non-emirate NBD account may take up to 3 days to clear the payment. To avoid late fee payment and additional charges, you are suggested to deposit the cheque at least 4 working days before the due date. 

Emirates NBD Credit Card Payment by Cash

Making your Emirates NBD Credit Card bill payment offline using cash is one of the most preferred methods. You can deposit the cash to the CDM directly and the payment will reflect in your credit card immediately. Owing to its fast transaction speed, cash payments are one of the quickest ways of making your Emirates NBD credit card bill payment.

Emirates NBD Credit Card Payment by Al Ansari Exchange Branch

In case you are not able to visit your bank, you can visit any nearest Al Ansari Exchange branch and make your Emirates NBD Credit Card bill offline via cash. However, the Al Ansari Exchange branch will charge you a nominal transaction fee of AED 5 for the bill facilitating the payment. You can locate the nearest Al Ansari Branch at https://alansariexchange.com/branches/ 

How to Make Emirates NBD Credit Card Bill Payment Online

Online mode of making Emirates NBD Credit Card Bill lets you access your bank account and pay your credit card bills irrespective of the day and the time. You can choose from the following methods to make Emirates NBD Credit Card bill payment online:

  • Emirates NBD phone app
  • Internet Banking
  • Autopay
  • Paying from another bank
  • Phone Wallet

How can you pay your credit card bill using the Emirates NBD phone app?

If you are an Emirates NBD account holder, you can conveniently make your credit card bill payment by using Emirates NBD mobile app anytime anywhere following these simple steps:

  • Log in to your registered account
  • Click on “My finances”
  • On the next page, click on “Card”
  • A new page will open where you can view your credit card details
  • Select a card to select payment options
  • Click on “Make Payment”
  • On a popup, click on the arrow and select “Emirates NBD and EIB Credit Cards
  • Enter and confirm the amount
  • Click on “continue”

My finances->Card->Credit card->Select Card->Payment option->Make Payment->Click on Arrow->Emirates NBD and EIB Credit Card-> Enter amount->Continue

Your payment will be made and the confirmation page will pop up on your screen. 

Emirates NBD Credit Card Payment by Internet Bank

In case you are making Emirates NBD Credit Card bill payment through your desktop:

  • Visit Emirates NBD webpage https://login.emiratesnbd.co.in/ENBDINDweb/common/banknet.jsf 
  • Select Cards
  • Select Credit Card
  • Choose payment option
  • Select make payment option
  • Select “Emirates NBD and EIB Credit Cards”
  • Enter and confirm the amount
  • Click on “Continue”

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Emirates NBD Credit Card Payment by Autopay

Considering your hectic schedule, Emirates NBD offers you an auto payment option to make your Emirates NBD credit card bill payments easily. Once you select the auto-pay option, you will not require remembering the due date of your credit card bill. When you opt for the Auto Pay option, you authorize your bank to deduct a specific amount on a specific date for your Emirates NBD Credit Card bill payment without requiring any further action from you. While filling in details for Autopay, be cognizant of the due date and the monthly amount. Also, ensure that you have an adequate balance in your bank account for the deduction. In case you do not have a sufficient amount for the payment, the bank will not deduct any amount and your credit card bill payment will be delayed attracting fines and interest charges.

Paying from Other Bank

If you do not hold an account in Emirates NBD you can also make Emirates NBD Credit Card payments from other bank’s account. To make payment from another bank account, follow these steps:

  • Log in to your banking mobile app
  • Insert your credit card number in place of the beneficiary’s account number
  • In the bank column, specify Emirates NBD
  • Enter the amount you need to pay
  • Confirm the card and amount details
  • Submit payment

Since the payment is not processed by Emirates NBD, the bank will not be responsible for late payment. In case you make a late payment, you will require paying a late fee. To avoid the late fee you can:

  • Borrow cash from your bank account
  • Deposit the cash to Emirates NBD CDM in the branch

Alternatively, if you hold an account in Emirates NBD:

  • Transfer the amount from another bank to your Emirates NBD bank account
  • Pay via online banking or mobile app 

Emirates NBD Credit Card Payment by Phone Wallet

Phone Wallet is the third-party payment service provided by numerous platforms to let you make money transfers, pay utility bills and credit card bills from one bank to the other. You can connect your debit card to your phone wallet to link your bank account to your phone wallet and make your credit card payment in less than a payment. Some of the popular phone wallet apps in the UAE are:

  • Apple Pay
  • EWallet
  • Emirates Digital Wallet LLC and Klip
  • Google Pay
  • PayBy
  • Samsung

Can I pay my Emirates NBD Credit Card bill from another Bank’s Credit Card?

Direct Emirates NBD Credit Card bill payment from another bank’s credit card is not permitted by the bank. However, there are some indirect methods you can use to make Emirates NBD Credit Card bill payment:

  • Cash Withdrawal
  • Balance transfer facility

Cash Withdrawal

Your credit card has a cash borrowing facility that allows you to withdraw cash on credit from your credit card provider via ATM. You can use this facility to borrow cash from the bank and deposit the cash in Emirates NBD CDM to make your credit card bill payment. 

Balance Transfer Facility

A balance transfer is a more formal and organized method of making your Emirates NBD credit card bill payment. Using this facility, you can shift your debt on Emirates NBD credit card to another bank. Before considering this facility, ensure that your credit card has a balance transfer facility. To use this facility:

  • Contact your credit card provider and request them to transfer the amount from Emirates NBD credit card to your other credit card. 
  • Provide your bank with the details of your Emirates NBD credit card including the card number and amount to be transferred.

Why You Should Not Pay Emirates NBD Credit Card Bills from Another Credit Card Often?

While you have some options to make Emirates NBD credit card bill payments from other bank’s credit cards, you should not consider using this facility until it is the last resort. When you make your credit card payment via another credit card, you do not get rid of the debt, the debt is merely transferred to another credit card and you will still require making the payment.

Please note that you can pay the complete amount on the outstanding of your credit card bill. You can also choose to pay the amount partially. However, if you pay the partial amount, you will require paying the interest on the pending amount. To avoid paying additional interest on the amount, you are advised to make a complete payment

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