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

How to Make Emirates NBD Credit Card Payment Online? 

The online payment channels have made it easy to process Emirates NBD credit card payments almost instantly from any part of the world. Here's how you can pay the bills — 

Internet Banking

Among the various Emirates NBD credit card payment options, internet banking is one of the most preferred due to its security, convenience, and ease of use. It lets you initiate payments directly from your linked Emirates NBD accounts, ensuring immediate processing within the bank’s network. 

Steps for Internet Banking Payment

1. Open the Emirates NBD Internet Banking portal and log in
2. Go to the section for ‘transfers’
3. Choose the option to pay card bills
4. Pick the particular card for which you wish to pay the bill
5. Type in the amount to be paid
6. Confirm the transaction

Mobile Banking

Wondering how to pay NBD credit card bill at your fingertips? 

The Emirates NBD mobile app (ENBD X) is the answer. It lets you make card payments online from your mobile device in a fast and secure manner. The process involves Smart Pass authorisation, biometric login, and easy access to all card services. 

You can also check the outstanding amount, statements, due dates, and available limit before making payments.

Note: Starting 1 Nov 2025, Emirates NBD has phased out SMS/email OTPs in favor of in‑app verification via ENBD X app.

Steps via Products Section

1. Open the Emirates NBD mobile app
2. Go to ‘Products’
3. Click on the ‘Credit Cards’ option
4. Hit the ‘Pay Bill’ button
5. Pick the debit account to transfer to
6. Type in the amount
7. Confirm the transaction

Steps via Transfer & Pay

1. Open the Emirates NBD app
2. Select the Transfer & Pay option
3. Click on ‘Bill Payment’
4. Select ‘Credit Card’
5. Enter the amount
6. Confirm using Smart Pass authorisation

How to Set Up Auto-Pay for Emirates NBD Credit Card in UAE?

Auto-pay lets you automatically clear the card’s bill. It guarantees timely payments and eliminates the possibility of missed payments due to delays. This is one of the easiest and safest ways to make Emirates NBD credit card payment online.

Steps to Activate Auto-Pay

1. Access the account through Internet Banking or the Emirates NBD app
2. Visit the section for cards
3. Choose the option to manage auto-pay
4. Select between the minimum due and the full statement amount
5. Pick the account for debit
6. Confirm activation

Read More: How to Auto Debit Emirates NBD Credit Card Payments?

How to Pay Emirates NBD Credit Card Bill Offline?

Offline Emirates NBD credit card payment options are also available if you don’t wish to use the online modes. The offline channels include ATMs, Cash Deposit Machines (CDMs), cheque deposits, and authorised exchange houses. 

These options ensure flexibility and accessibility for those who rely on in-person or non-digital payment solutions.

ATM Payment

This option is appropriate if you wish to make payments in person but still enjoy the quick posting of the transaction, usually within 24 hours. Here’s what you need to do -

Steps

1. Insert the Emirates NBD card
2. Choose the ‘Payment’ option
3. Click on the card for which you wish to pay.
4. Enter the payment amount
5. Mention the amount from which you wish to debit the card
6. Approve the payment

Cash Deposit Machine (CDM) Payment

Cash Deposit Machines (CDMs) offer a user-friendly option for Emirates NBD credit card payments in cash. You can make direct, self-service payments without needing teller assistance, making the process faster and more convenient. 

Steps

1. Visit an Emirates NBD CDM
2. Choose the ‘Cash Deposit’ option
3. In ‘Payments’, choose ‘Cards’
4. Enter the card number or insert the card
5. Deposit cash and approve the deposit

Cheque Payment via CDM

You can also use a cheque to pay Emirates NBD credit card bills. However, just keep in mind that the cheque must clearly state the card number to ensure accurate processing. As cheque transactions are subject to the bank’s clearing cycle, the payment may take between 2 to 5 business days to reflect in the card account.

Steps

1. Head to your nearest Emirates NBD CDM
2. Select ‘Cheque Deposit’
3. Under ‘Deposit into Cards’, select the particular card
4. Enter the card number or insert your card
5. Insert the cheque and confirm 

Payment via Exchange Houses

Authorised exchange houses provide an additional offline channel for settling Emirates NBD credit card payments. These outlets allow you to make payments in AED or other supported currencies 

Steps

1. Go to an authorised Al Ansari Exchange branch
2. Carry your Passport/Emirates ID
3. Mention your Emirates NBD credit card number and the amount
4. Confirm the payment 

Important Points for Exchange House Payments

• Processing typically takes 2 working days
• You need to pay a fee of AED 5 for the transaction 

Tips for Smooth Emirates NBD Credit Card Payments

While we know how to pay Emirates NBD credit card bills, it’s also important to do it the right way. This not only saves you from late payment penalties but also keeps your credit Score intact.

Practical Tips

1. Keep an eye on the statement dates and due dates
2. Pay more than the minimum due to lower interest charges
3. Use online channels over traditional ones for faster processing
4. Keep the confirmation receipts for reference
5. Keep enough money in the account for Auto-Pay
6. Look at the account activity often to spot any unexpected charges

FAQs