How to Pay Noor Credit Card Bill Payment Using Online & Offline Modes

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  | Published: 14 September 2021 | Last Updated On: 15 September 2021

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A credit card is one of the most important components of financial resources. Not only does Noor credit card provide an easy borrowing facility, but it also grants several advantages for using the card. If you wish to continue receiving the benefits on your Noor credit card, it is important that you make Noor credit card bill payments on time every month.

Noor Credit Card Bill Payment through UAEFTS in UAE

Based on Real-Time Gross Settlement (RTGS), UAEFTS is a fund transfer system that enables fund transfers from one bank account to the other. UAEFTS is one of the most reliable and secured fund transfer platforms in the UAE since it is owned, hosted and monitored by the Central Bank of the UAE. You can use this platform to make Noor credit card bill payments through exchange houses. To make Noor credit card bill payment via UAEFTS, you can visit any Al Fardan Exchange or Al Ansari exchange house. The exchange house will charge you a nominal amount to accept the payment on your Noor credit card bill.

Please note that it may take up to 2 working days to reflect the Noor credit card payment made through the exchange house.

Why should you choose the UAEFTS method to make NOOR credit card bill payments?

 Using UAEFTS benefits you in many ways:

  • UAEFTS facilitates cross-banking payments across the UAE. You can avail of this facility to make your Noor credit card bill payment from another bank account.
  • Noor’s exchange partners have over 250 branches allowing you to pay your credit card bills effortlessly.
  • UAEFTS accepts foreign currency payments, which allow you to make direct payments without exchanging the currency.
  • Exchange houses enable you to make international payments. You can make your Noor credit card bill payment from anywhere in the world.
  • Since it is based on RTGS, UAEFTS helps you stay updated on the status of your payment.

Noor Credit Card Bill Payment Options in the UAE

While UAEFTS is one of the most flexible credit card bill payment options in the UAE, there are several factors you need to be wary of before using it:

  • Since the payment is facilitated by the Central Bank of the UAE, it may take up to 2 working days for the payment to reflect.
  • Exchange houses will levy additional charges to accept Noor credit card bill payments. If you do not wish to pay the complete amount, you will have to pay additional charges every time you make the payment and will end up paying considerably more money than your original outstanding balance.

Along with the convenience of usage, Noor credit card also offers the convenience of making Noor credit card bill payment. Noor offers you numerous payment platforms across two payment modes, i.e. online and offline, allowing you to make Noor credit card bill payments conveniently.

How to Make Noor Credit Card Bill Payment Offline?

Noor has over 70 branches that accept credit card bill payments offline via cheque or cash. To make a Noor credit card bill payment offline, you need to visit your nearest branch and deposit the payment. You can locate the nearest Noor branch at https://www.Noor.ae/en/Pages/ATMBranches.aspx

Noor Credit Card Payment by Cheque

You can write a cheque in favour of Noor Bank to make your Noor credit card payment offline. Follow these steps:

  • Specify your 16-digit credit card number along with bank’s name ̶ Noor in the payee column
  • Mention the amount you want to pay
  • Do not forget to sign the cheque; without a signature, the cheque will not be validated
  • Write bank account number and contact number on the backside of the cheque
  • Fill in the deposit slip
  • Deposit the cheque in bank’s branch or cash and cheque deposit machine (CCDM)

Your Noor cheque receives clearance within 24 hours and the payment will be reflected within a day. In case you make your Noor credit card bill payment via another bank’s credit card, it may take up to 3 working days for the cheque to clear and the payment to reflect. You are advised to make the payment at least 4 working days before the due date to avoid paying late fees. Since the payment is not facilitated by Noor Bank, it will not be liable for late payments and you will be charged a late fee penalty.

Noor Credit Card Payment by Cash

To avoid the hassle of delayed payments, Noor lets you make your credit card bill payment offline via cash. This is the quickest method that ensures that the payment is done instantly and reflects in your account within minutes. If you are making last-day payments, this method is the most reliable one to make your payments. You can deposit cash at CCDM or the bank branch.

How to Make Noor Credit Card Bill Payment Online?

To save your visits to the bank every month, NOOR provides you with numerous online methods that will let you make your Noor credit card bill payment online. Online payment method not only saves your efforts but also your time as you do not have to spend time waiting in queues. You can avail of these facilities through multiple channels:

  • Phone Banking
  • Noor Mobile App
  • Online Banking
  • Direct Debit
  • Payment from another bank
  • Phone Wallets

Noor Credit Card Payment by Phone Banking

When you cannot visit your bank and your internet is not working properly, you can use the phone banking method to make your Noor credit card bill payment by calling the bank. You can use this facility at any time of the day irrespective of the working hours. Only Noor savings and current account holders can avail of this facility. At the time of opening your bank account, you will be assigned a personal identification number, which you can use during phone banking. 

  • Call at the specified number
  • Follow the instructions, then enter your PIN on your phone

This service is free of charge.

Noor Credit Card Payment by Noor Mobile App

Providing instant banking solutions, Noor has designed a mobile app that lets you make your Noor credit card bill payment in less than a minute. This facility can be availed by NOOR account holders only. To make payment via Noor Mobile App:

  • Log in to Noor mobile app
  • Go to the card payment section
  • View your cards and select the card you want to pay for
  • Click on the card
  • Specify the amount
  • Make payment

Noor Credit Card Payment by Online Banking

For making Noor credit card bill payment online using your desktop/laptop, visit the Noor webpage and:

  • Log in with your registered net banking ID
  • Go to the card payment section
  • View your cards and select the card you want to pay for
  • Click on the card
  • Mention the amount
  • Make payment

Noor Credit Card Payment by Direct Debit

Many times your busy schedule does not permit you to pay your credit card bill on time. Missing your credit card bill due date will cost you additional charges and hamper your credit score. This is where the direct debit facility comes in handy. When you sign for the direct debit facility, you grant permission to your bank to deduct a specified amount on a specific date. The bank makes your credit card payment from your account every month automatically without requiring any further action from your end. However, ensure that every month before the date of deduction you have a sufficient bank balance. In case you do not have enough balance, the bank will not be able to make the credit card payment and you will need to pay the amount. If you fail to make the payment on time, the bank will not share the responsibility of late payment and a penalty will be levied.

Noor Credit Card Payment from another bank

If you are not a Noor account holder, you can use your another bank’s account balance to make Noor credit card bill payment by following these simple steps:

  • Log in to your bank’s mobile banking account
  • Type your credit card number in the beneficiary column
  • Mention Noor as the beneficiary bank
  • Enter the amount you need to pay

Since another bank will enable the payment, Noor will not be liable for late payments on Noor credit card bill payments. In case the bank receives late payment for your credit card bill, you will have to pay the penalty. You can withdraw cash from your account and deposit it at Noor CCDM to make instant payments. 

If you hold a bank account in Noor, you can:

  • Transfer the account balance from one bank to a Noor account
  • Then, pay via online banking or mobile app

Noor Credit Card Payment by Phone Wallet

Allowing next-gen facility, Noor also accepts credit card bill payments online made through phone wallet apps. The phone wallet apps allow you to make your credit card bill payment in less than a minute. Some of the popular phone wallet platforms you can use to make the payment are Google Pay, Apple Pay, Samsung Pay, PayPal and PayBy.

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How Can I Use Another Bank Credit Card to Pay Noor Credit Card Bill?

In case you are unable to pay your Noor credit card bill, you can use another bank’s credit card to make the payment. Though you cannot make a direct payment using another bank’s credit card, there are two indirect methods to make Noor credit card bill payment  ̶  cash withdrawal and balance transfer.

Cash Withdrawal

Credit card providers provide the facility of withdrawing cash using your credit card. You can use this service to make your Noor credit card bill payment. Just borrow cash from an ATM and deposit the cash into a CCDM at the Noor branch.

Balance Transfer facility

Some credit cards come with a balance transfer facility. This facility is not available on every credit card, so you will need to confirm with your credit card provider if the facility is available. Once your bank confirms, you can avail of this facility to transfer your debt on Noor credit card to another bank’s credit card. You can repay this debt at a later date. To avail of this facility, follow these steps:

  • Contact your credit card provider and request them to use this facility
  • Provide your card provider with your Noor credit card details
  • Mention the amount you wish to transfer

If you choose to use this facility, confirm that the credit card has a lower interest rate than the Noor credit card or else you will end up paying more amount.

Do I need to make a complete payment on the Noor credit card bill?

With a Noor credit card, you receive flexible payment options. You are not obligated to make complete payment on your Noor credit card bill. The bank lets you make a partial payment as well. However, in that case, you will require paying a monthly interest rate on your principal and interest amount.  

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Should I use another credit card to make Noor credit card bill payment?

While there are some options available to make Noor credit card payments via another credit card, you are advised not to use this method unless it is your last resort. When you choose this mode, all you need to do is transfer your debt from one card to the other. Your debt remains in your credit record and you will need to make the payment after some time. Since the debt will reflect in your report, it may hamper your credit score in the long run.  

However, if you are low on a monthly budget, you can pay through other methods, as mentioned above.

How can we help you in making Noor credit card bill payment?

While we cannot assist you in making your Noor credit card bill payment, we can help you in finding a credit card with balance transfer facility so that you can transfer your Noor credit card bill amount to another credit card and repay it later.

How to find a credit card with a balance transfer facility?

There are several credit cards with a balance transfer facility in the UAE. However, it can become overwhelming to find the right credit card that not only serves the purpose of Noor credit card bill payment but also meets your other requirement. To find the most suitable credit cards, you can visit our credit card webpage. You can also compare the attributes of various credit cards to determine which credit card is the most suitable one for you.

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