ADCB Credit Card Bill Payment - Online & Offline

How to Pay ADCB Credit Card Online?

You can effortlessly make ADCB credit card payment online using any of the following online channels -

• Via ADCB’s official website - You can pay your ADCB credit card bill through a linked ADCB bank account or an external bank account (if applicable) by providing the required information. 
• Via ADCB’s Mobile App - You can use ADCB’s mobile app to make credit card bill payment. Likewise, you can also use mobile apps from different banks to pay the ADCB credit card bill.

How To Pay ADCB Credit Card Bills Offline?

You can use cash deposits, bank transfers from other accounts, or cheques to make your ADCB credit card bill payment offline. The following list details the ways you can pay your ADCB credit card bill at your ADCB bank branch.

• Cash Deposit: You can opt for a cash deposit at your ADCB bank branch. The deposited money can take up to a day to reflect in your account.
• Cheque Deposit: You can submit a cheque to pay your credit card bills at any ADCB bank branch. However, you must know that a cheque may take up to 5 days to clear, so you must account for that time to ensure your payment isn’t late or credited after the due date.

ADCB Credit Card Bill Payment Through UAEFTS in the UAE

The UAEFTS, also known as the UAE Fund Transfer System, is the regulator for online payments in the UAE. The UAEFTS is a Real-Time Gross Settlement (RTGS) system in the UAE, and it is hosted by the Central Bank of the UAE. 

This system is responsible for domestic fund transfer between banks and other financial institutions. When you use the UAEFTS to pay your credit card bill, it means you are performing a fund transfer from your ADCB bank account or another UAE bank’s account to your credit card account to repay your outstanding debt. The fund transfer is performed over the UAEFTS network.

Advantages of using UAEFTS to make ADCB Credit Card bill payment

There are several advantages to using the UAEFTS for making ADCB Credit Card bill payments for you, which are mentioned below.

• Pay your ADCB credit card bill without visiting the bank.
• Make payments from anywhere in the world via Exchange Houses.
• Pay in foreign currencies.
• Track payments from initiation to successful transfer.

ADCB Credit Card Bill Payment Options in the UAE 

To pay ADCB credit card online and offline, there are a few options that you can use as an ADCB credit card customer. You must understand the key components of your credit card statement, like the minimum amount due, finance charges, late payment fees, and payment due date, to make the payment on time to avoid late charges. 

• Cheque: Deposit at any ADCB branch; clears in ~5 days.
• Cash: Deposit at a branch or machine; reflects in 1 day.
• Transfer from Other Banks: Takes up to 2 days to process.
• Bank Transfer (within ADCB): Usually reflects in 1 day for quick payment.

Conclusion

You can easily make your ADCB credit card payment online or offline based on your requirements and keep yourself debt-free. As a responsible borrower, you should consider payment processing timelines for some payment methods to avoid overdue charges on your credit card bill. Additionally, in case of payment failures, make sure you retry your payment as soon as possible to avoid further late fees and interest charges.

FAQs