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You have to login as ROOT first to enable IAM Access to billing. Please follow instructions here
- Sign in to the AWS Management Console with your root user credentials (specifically, the email address and password that you used to create your AWS account).
- On the navigation bar, select your account name, and then select Account.
- Scroll down the page until you find the section IAM User and Role Access to Billing Information, then select Edit.
- Select the Activate IAM Access check box to activate access to the Billing and Cost Management console pages.
- Choose Update. The page displays the message IAM user/role access to billing information is activated.
https://docs.aws.amazon.com/IAM/latest/UserGuide/getting-set-up.html#getting-started-account-iam
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Also note that the AdministratorAccess policy allows all actions. The other policies you've attached don't actually do anything, when AdministratorAccess grants access to absolutely everything.