The 10 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 ...read more

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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.

Best Credit Cards for Paying Monthly Bills in UAE: Eligibility Criteria

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 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 and the bank.

Best Credit Cards for Paying Monthly Bills in UAE: Documents Checklist

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!

Get the credit card lead form here
Fill it out and use the filter to sort the utility bill payment credit cards
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!

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FAQ's About Credit Cards For Paying Monthly Bill

Ans: The minimum spend requirement for cashback on utility bills varies by cards.

Ans: No, most banks categorise these recharges under “government spends” or “transport” spending.

Ans: ADCB 365 Cashback Credit Card offers 3% cashback on utilities like telecom bills.