Is the the monthly water, electricity or phone bill due? Instead of avoiding it, find out how you start saving on your regular utility bill payments by earning cashback. Also, check out how you can apply for a personal loan or a covered card and get air miles which can redeemed for air tickets or hotel stay for your next summer holiday.

Save on your bill payments

If your monthly DEWA, Du or Etisalat bill is pending, use your Najm Credit Card for your monthly utility bill payments and get up to 5% cashback. You’re required to spend a minimum of AED 300 per month to earn cashback. Keep in mind, bill payments need to be made for three consecutive months before you can start to get cashback.

Validity: This offer is valid till 30 November 2016.

Fly for free

Do you have any travel plans for the summer? Save on air tickets by redeeming your miles. With the ADIB Etihad Guest Visa Covered Card, you can get up to 120,000 Etihad Guest Miles as a sign-up bonus. Also, spend a minimum of AED 10,000 with in 60 days of card issuance and earn up to 70,000 extra miles. Keep in mind, the miles you will earn will also depend on whether you applied for a Platinum or Gold card. Further extra miles can be earned for when you spend above AED 10,000.

Validity: This offer is valid till 30 June 2016.

Get miles with your loan

If you’re looking some extra cash, applying for a personal loan could be an option. With HSBC, existing customers can apply for a personal loan and get up to 200, 000 air miles upon loan approval. Redeem your miles for hotel stays and air tickets. Keep in mind, to earn the miles you will have to get a loan of AED 50,000 and above.

Validity: This offer is valid till 14 July 2016.

Travel in style

Use your Emirates NBD MasterCard Credit Card to get your first ride with Careem for free. To avail of the offer use the promo code ‘MasterCard’ when booking for your next Careem. Also get a 20% discount on Careem rides twice a month.

Watch the dolphin and seal show

If you’re confused about what to do over the weekend, go and watch the Dolphin & Seal shows at Dubai Dolphinarium. Use your RAKBANK card to get a 25% discount on admissions fees which range from AED 100 to AED 140. Keep in mind, the discount is not valid for online bookings.

Validity: This offer is valid till 31 December 2016.