# 10 Best Credit Cards for Monthly Bills in UAE **Published:** 2022-10-11T10:54:26.787Z **Updated:** 2026-07-30T16:29:21.252Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-paying-monthly-bills-in-uae/ With the rise in utility costs and monthly bills, you need to be more strategic with your payment tools. An easy way out is to get the best and the right credit card for utility bill payment and use it like a pro. These cards have a distinctive cashback or reward structure. Since so many credit cards are available in the UAE market, Paisabazaar.ae helps you find the right fit by consolidating data from the market, helping you compare the latest features. ...read more ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE Credit cards in the UAE offer more than just convenience for payments; they come with rewards and benefits, especially when used for paying bills. From cashback on utility bills to earning reward points or discounts on telecom services, these cards have it all. Banks also offer special features like zero-interest payment plans, loyalty programs, exclusive merchant discounts, and more. It helps users save while managing expenses. Let’s see which banks offer the best credit cards for paying monthly bills in the UAE! | ## What People Want to Know? **Which is the best credit card for utility bill payment?**
The best credit card is the one that lets you earn rewards or discounts on payment of DEWA, SEWA, and Du bills. The top cards include ADCB 365 Cashback Credit Card (for cashback), ADCB LuLu Platinum Credit Card (for rewards), FAB Du Credit Card (for discount), and ADCB TouchPoints Visa Platinum Credit Card (for reward points). | | --- | ## Best Credit Cards for Paying Monthly Bills in UAE  The following are some of the top cards for bill payments: | **Credit Card** | **Minimum Monthly Salary** | **Annual Fees** | **Rewards** | **Best for** | | --- | --- | --- | --- | --- | | ADCB LuLu Platinum Credit Card | AED 8,000 | Free for Life | Earn 0.2 LuLu points for every AED 1 spent on a telecommunications bill | Digital-savvy bill payer, value-conscious individual | | ADCB 365 Cashback Credit Card | AED 5,000 | Free for 1st year, AED 383.25 from the 2nd year | Earn 3% cashback on utilities, telecom, fuel, and Salik | Etisalat bill payments | | FAB Du Credit Card | AED 5,000 | Free for Life | 15% off on du bills
0% interest payment plans on new du purchases or plans | Du bill payments | | ADCB TouchPoints Visa Platinum Credit Card | AED 5,000 | Free for the 1st year | 0.2 TouchPoints for spending on telecommunication, transport, education, real estate, government services, and more | Paying for utility and recurring bills | | Liv. Tamayaz Platinum Credit Card | AED 5,000 | Free for Life | 0.1% cashback on government and utility bills | Paying utility bills like DEWA, Du, Etisalat | | Liv. Tamayaz World Credit Card | AED 12,000 | AED 700 | 0.1% cashback on government and utility bills | Paying utility bills such as DEWA, Du, Etisalat | **Disclaimer:** The eligibility for these cards may vary by bank. Please connect with our experts for further assistance.  ## Eligibility Criteria for Credit Cards for Monthly Bills in UAE Before you start applying, here is the eligibility criteria to keep in mind. Let us take a look at what you need to know to secure a [credit card](https://www.paisabazaar.ae/credit-cards/) that offers the best rewards and savings in the UAE: | Eligibility Type | Criteria | | --- | --- | | Minimum Age | 21 Years | | Minimum Salary | AED 5,000\* | | Nationality | UAE National or Expatriate | | Employment Status | Salaried or Self-Employed | | Credit Score | As Per Your Bank’s Decision | \*Note: The minimum salary varies depending upon the [type of credit card](https://www.paisabazaar.ae/credit-cards/articles/types-of-credit-cards/) and the bank.  ## Documents Required for Credit Cards for Monthly Bills in UAE Below are the documents required for credit card application verification: | For Salaried Individuals | For Self-Employed Individuals | | --- | --- | | Emirates ID
Passport
Residence Visa (Applicable to expatriates)
Salary Certificate/ Pay Slips
Latest Personal Bank Statements | Emirates ID
Passport
Residence Visa (Applicable to expatriates)
Trade Licence
Latest Company Bank Statement | Note: * Your respective bank may require additional documents * All documents may be valid and original * Copies of the originals may be required ## Apply for Credit Cards via Paisabazaar UAE Paisabazaar.ae - Your one-stop solution for finding the best credit cards for paying monthly bills in UAE! 1. Get the credit card lead form here 2. Fill it out and use the filter to sort the [utility bill payment credit cards](https://www.paisabazaar.ae/credit-cards/articles/credit-card-payment-online-offline-in-uae/) 3. Choose a card from the list and apply One of our representatives will review your application and contact you to guide you through the next steps. Applying through us is quick, easy and hassle-free - start your application today with Paisabazaar.ae! **Related Links** | [How to Transfer Credit from Etisalat to Etisalat](https://www.paisabazaar.ae/credit-cards/articles/how-to-transfer-credit-from-etisalat-to-etisalat/) | | --- | | [How to Make Credit Card Payments with Your Phone in UAE](https://www.paisabazaar.ae/credit-cards/articles/how-to-make-credit-card-payments-with-your-phone/) | | [SEWA - New Connection, Bill Payments, Services Charges, Customer Service Centers](https://www.paisabazaar.ae/credit-cards/articles/sewa-bill-payment-service-charges-customer-service-centers/) | | [Top 6 Best Payment Methods to Opt for in the UAE](https://www.paisabazaar.ae/credit-cards/articles/best-payment-methods-to-opt-for-in-the-uae/) | | [How to Recharge Salik in Dubai Through Credit Card and Other Ways](https://www.paisabazaar.ae/credit-cards/articles/how-to-recharge-salik-in-dubai-through-credit-card-and-other-ways/) | | [How to Pay Utility Bills with Your Credit Cards?](https://www.paisabazaar.ae/credit-cards/articles/how-to-pay-utility-bills-with-your-credit-cards/) | | [Top 5 Benefits of Paying Off Utility Bills Using Credit Cards in UAE](https://www.paisabazaar.ae/credit-cards/articles/top-benefits-of-paying-off-utility-bills-using-credit-cards-in-uae/) | | [DEWA – Bill Payment Options, Registration & Cancellation, Tips to Save Energy](https://www.paisabazaar.ae/credit-cards/articles/dewa-bill-payment-options-registration-cancellation/) | | [How to Manage Credit and Debit Cards in Samsung Pay?](https://www.paisabazaar.ae/credit-cards/articles/how-to-manage-credit-and-debit-cards-in-samsung-pay/) | FAQ's About Credit Cards For Paying Monthly Bill ### Q1: Is there a minimum spend requirement to get cashback on utility bills? **Ans:** The minimum spend requirement for cashback on utility bills varies by cards. ### Q2: Are Salik and Nol recharges considered “utility bills”? **Ans:** No, most banks categorise these recharges under “government spends” or “transport” spending. ### Q3: Which UAE credit card offers highest cashback on utility bill payment? **Ans:** ADCB 365 Cashback Credit Card offers 3% cashback on utilities like telecom bills. ## People Also Looking For [Best Credit Card In UAE](https://www.paisabazaar.ae/credit-cards/)[Airport Lounge Access Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Cash Back Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[Emirates NBD Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Free For Life Credit Cards](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Credit Card With Instant Approval](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Best Starter Credit Card](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[Adcb Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Credit Cards With No Annual Fee](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Credit Card Criteria](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/)[Credit Card Without Salary Certificate UAE](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[Check Emirates Id Status](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [Top 6 Best Payment Methods to Opt for in the UAE](https://www.paisabazaar.ae/credit-cards/articles/best-payment-methods-to-opt-for-in-the-uae/) Next→ [How to Recharge Salik in Dubai Through Credit Card and Other Ways](https://www.paisabazaar.ae/credit-cards/articles/how-to-recharge-salik-in-dubai-through-credit-card-and-other-ways/)