manage your credit card payment

Manage your monthly credit card payments

Keep track of your payments and transactions

Keep track of your Emirates Islamic Credit Card payments and transactions

Payment Due Date, Billing Cycle and Statement Date

Payment Due Date: the date by which you must pay your Credit Card Outstanding Amount either in part or in full. You must pay at least the Minimum Amount to avoid paying a Late Payment Fee, or the entire Outstanding Amount to avoid Profit Charges. Your Payment Due Date will always be 25 days after your Statement Date.

Billing Cycle: your Card’s Billing Cycle is the period between each credit card statement. You can request to change your billing cycle once a year by contacting our 24-hour Call Centre on +971 600 599 995.

Statement Date: this will be a particular date in the calendar month based on your Card type.

If your Statement Date is on the 2nd day of the month, your Billing Cycle will be between the 3rd day of the previous month and the 2nd day of the current month. All your Transactions during this Billing Cycle will be in the Statement you receive on the 2nd day of the month.

Find out your Credit Card Outstanding, Minimum Payment Due and Payment Due Date


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Failure to make at least the Minimum Monthly Payment on or before your Payment Due Date will result in a Late Payment Fee and Profit Charges or Monthly Maintenance Fees (in case of Fee-based Cards).

know more about Credit Card Fees and Charges.

You will find your Total Payment Due on your Credit Card Statement. You can choose to pay the Minimum Payment Due, a portion of your Card Outstanding or your Total Amount Due.

Minimum Payment Due means the amount you need to pay on or before the Payment Due Date to avoid any Late Payment Fee.

The minimum amount to be paid every month will be 5% of your Card Outstanding (which is calculated by adding 5% of your retail card outstanding, your installments and any bank fees you have accrued), or AED 100, whichever is higher.

If you only pay the Minimum Amount Due, the remaining balance will be carried over to the next statement with the applicable Profit Charges.

know more about Credit Card Fees and Charges.

Your Minimum Payment Due will be mentioned in your Monthly Credit Card Statement. You can also view your Minimum Payment Due through Online Banking, Mobile Banking, Phone Banking or Mini Statement SMS.

Yes, it is possible to change the date your Credit Card Payment is due. You can do this by changing your Credit Card Statement Date. Call us on +971 600 599 995 and one of our Customer Service Representatives will be happy to help you out.

Profit Charges are the charges billed to the Card Account on the Total Retail & Cash Amount Due as noted in the previous month’s Statement of Account as well as on all new transactions (from the respective transaction date) till such time as the total outstanding amounts are paid in full.

Profit Charges are calculated on an average daily balance basis, for your Retail Purchases and Cash Advance Transactions, from the Transaction Date till the Repayment Date.