Credit cards are considered the best way to handle your monthly utility bills in the UAE. Facing a bill for a big amount that you have to pay in one go?
Don't worry, it's time for you to utilize the best credit cards that give you cashback on your utility bills.
What are Utility Credit Cards?
Utility credit cards, as the name suggests, are specifically designed to optimize transactions related to utility payments, encompassing electricity, water, telecommunications, and other essential services. Beyond facilitating bill payments, these cards often come equipped with features tailored to the UAE market, including rewards programs, cashback offers, and discounts on various expenditures.
Benefits of Utility Credit Cards:
- Streamlined Payments: One of the primary advantages of utility credit cards is their ability to consolidate multiple bills into a single payment platform. This streamlined approach not only simplifies financial management but also eliminates the hassle of tracking and settling individual bills, thereby saving time and effort for cardholders.
- Enhanced Rewards and Cashback: Many utility credit cards in the UAE offer lucrative rewards programs, allowing cardholders to earn points or cashback on their utility expenditures. These rewards can be redeemed for a variety of benefits, including discounts on future bills, travel vouchers, shopping vouchers, and more. By leveraging these rewards, customers can maximize the value of their utility payments and enjoy additional perks along the way.
- Exclusive Discounts and Offers: Utility credit cards often come bundled with exclusive discounts and offers on a wide range of services, including dining, shopping, entertainment, and travel. These privileges are tailored to suit the lifestyle preferences of UAE residents, enabling them to enjoy savings and experiences beyond their utility expenses.
- Financial Flexibility: In addition to facilitating bill payments, utility credit cards provide cardholders with financial flexibility and convenience. With features such as customizable payment schedules, automatic bill payments, and online account management, customers can exercise greater control over their finances and mitigate the risk of late payments or penalties.
Top 5 Utility Credit cards in UAE 2024
We delve into the realm of utility credit cards, exploring their significance and the array of options available to residents in the UAE.
1.Emirates NBD Titanium Credit Card:
Emirates NBD offers a utility credit card tailored to the diverse needs of UAE residents, providing a seamless payment experience for utility bills along with an array of exclusive benefits. Cardholders can enjoy cashback on utility spends, complimentary airport lounge access, travel insurance coverage, and discounts on dining, shopping, and entertainment.
Benefits of Emirates NBD Titanium Credit Card
- Earn 0.2% Plus Points on fuel and utility payments.
- Receive up to 1 Plus Point for every AED 100 spend.
- Earn 0.4% Plus Points in supermarkets and groceries spends.
- Other major benefits include: Airport lounge access, Balance transfer, Dining offers, Golf
- offers.
Apply Now for Emirates NBD Titanium Credit Card
2.Standard Chartered Platinum Credit Card
Standard Chartered Bank is synonymous with innovation and reliability, and its utility credit card offering exemplifies these core values. With a focus on simplicity and efficiency, Standard Chartered’s card streamlines bill payments for a wide range of utilities, empowering customers to manage their expenses effortlessly.
Benefits of Standard Chartered Platinum Credit Card
- Up to 10% cashback on utilities and groceries.
- Get up to 10% cashback on your everyday spends.
- Avail up to 10% cashback on School fees.
- Free Airport lounge access.
3.Citi Cashback Credit Card
Citi Cashback Credit Card stands out for its robust cashback program, rewarding cardholders for their utility payments and everyday expenditures. With unlimited cashback on utility bills, dining, groceries, and fuel, this card offers unparalleled value for UAE residents seeking to maximize their savings. Furthermore, cardholders can enjoy exclusive dining privileges, travel discounts, and complimentary insurance coverage.
Benefits of Citi Cashback Credit Card
- 5% Cash back on telephone & utility bill payments
- 0.5% Cash back on all other spends.
- Save up to 20% on dining across participating restaurants with Citi cards.
- Enjoy EMI options on online travel booking and shopping, and at over 2,000 stores. To know more
Read More:Citibank Credit Cards in UAE-Compare4Benefit
4.First Abu Dhabi Bank Cashback Credit Card
- Up to 5 FAB Rewards for every AED 1 you spend
- Cashback on paying your utility bills
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- Earn up to 5 FAB Rewards for every AED 1 you spend
- Access to over 1,000+ Airport Lounges in more than 300 cities all around the world for you and a guest
- Complimentary multi-trip travel insurance
Read More: Cashback vs Air Miles vs Rewards Credit Cards in UAE
5.Mashreq Bank Cashback Credit Card
- Minimum retail spend of AED 4,500 required in the first 2 months.
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Unlimited Cashback
- 5% Cashback on dining spends
- 2% Cashback on international spends
- 1% Cashback on other local spends
- 0.33% Cashback on Govt. payments, utilities, education, charity, fuel, rental and telecom spends
- No caps. No complicated calculations. Just pure savings, guaranteed!
Do remember to do your due diligence as different cards would come with different terms and conditions.No matter which card you choose, it’s important to compare your options carefully to ensure that you’re getting the best deal possible. We encourage customers to visit Compare4Benefit’s website to explore more credit cards, credit card offers, and other credit card services that can help you save money and earn rewards while paying your utility bills in the UAE.
Also, make sure that you pay your fees on time!
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