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5 Best Travel Cards for Dubai

Getting an international travel card before you travel to Dubai can make it cheaper and more convenient when you spend in United Arab Emirates Dirham. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to AED for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to Dubai, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

5 best travel money cards for Dubai:

Let's kick off our roundup of the best travel cards for Dubai with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Dubai.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Dubai. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to Dubai or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in AED, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in AED when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in Dubai, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in Dubai with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to AED instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in Dubai and globally. Monzo accounts are designed for holding USD only - but you can spend in AED and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in Dubai. While these cards don’t usually let you hold a balance in AED, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to Dubai or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Dubai. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Dubai

We've picked out 5 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Dubai include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in AED can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for Dubai

The best travel debit card for Dubai really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in AED.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for Dubai. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Dubai in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Dubai - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Dubai

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Dubai card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use AED?

If you have AED, you should be able to use it in a few countries. You may decide to keep your travel card topped up with a balance for this trip to Dubai or for the next time you’re headed somewhere which uses AED.

What should you be aware of when travelling to Dubai

You’re sure to have a great time in Dubai - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to Dubai before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to AED before you travel to Dubai if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to AED in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Dubai to make an ATM withdrawal in AED if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for Dubai

Ultimately the best travel card for your trip to Dubai will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for Dubai

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Dubai.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / AED rate to calculate how much United Arab Emirates Dirham you would receive when exchanging / spending $4,000 USD. The card provider offering the most AED is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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More travel card guides.

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Planning an overseas trip? Prepaid travel credit or debit card is one of the cheapest way to spend

Travel cards allow you to make use of exchange rates, but check what your card charges you

Dubai: Although most credit and debit cards let you spend abroad, they will charge you whenever you do so – and even if your card provider gives great rates, it usually adds foreign currency costs. 

On top of this, many debit cards charge a flat fee each and every time you spend overseas, regardless of the amount. Withdrawing cash usually attracts fees and unavoidable interest on credit cards.

• Got hit with a credit charge when travelling abroad? Know these two overseas card fees

UAE prepaid travel cards to your financial advantage

In such predicaments you can take advantage of prepaid or reloadable travel cards. These cards don't charge these fees, so you get the same rate the bank does when it processes your transaction.

This is usually a couple of days after using the card, so you won't know the exact rate you're getting at the time. If you're worried about currency swings, a prepaid travel card can also help you lock in a rate.

“People who do not have savings accounts, or who use them very little, used to be the main users of prepaid cards,” explained Richa Dev, a Dubai-based independent travel consultant. “But prepaid-card usage is now common due to increased adoption among those consumers who do have bank accounts.”

People who do not have savings accounts, or who use them very little, used to be the main users of prepaid cards - Richa Dev

An illustration on costs with a travel card on a trip to London

On an overseas trip from the UAE to London, let’s say you spend the equivalent of $1,000, which is about Dh4,000, at a prominent retail outlet.

Assuming five $100 (approx. Dh400) cash withdrawals and 20 transactions of $25 (approx. Dh100) each on the cards, based on the calculated average of five travel cards, here’s how much this can cost in British pounds (GBP) after you have converted UAE dirhams or US dollars in the Emirates:

• Travel credit or debit card repaid in full: £818 (Dh3,370)

• Cash via cheapest money exchange via pick up in London: £821 (Dh3,382)

• Cash from an outlet on London’s high street: £829 (Dh3,415)

• Using a debit card with a spending charge: £872 (Dh3,592)

• Exchanging cash at airport: £949 (Dh3,909)

How do prepaid cards fare versus credit and debit cards?

Although prepaid cards look similar to debit and credit cards, they all function differently. With a credit card, you borrow money you must pay back, with interest if you do not pay the balance by the due date. To get one you have to have good credit, and using one responsibly will continue to improve your credit rating. This in turn can help you down the line to get better rates on car loans, mortgages, etc. But using a credit card irresponsibly can lead to overspending, late payments and, ultimately, damaged credit.

On the other hand, a debit card is issued by your bank and linked to your savings account. The money is yours and there are no interest charges, but there can be penalty fees for overdrafts. As with your chequebook, you'll want to keep track of your balance.

With prepaid cards, you spend money that has previously been loaded onto them; they aren't connected to savings accounts. They work like debit cards, but you do not need a bank account (or good credit) to get one.

You can purchase the card in a certain amount, but you can add additional money to it at any time. When the balance is gone, your card stops working unless you add more money to it.

A perk includes a prepaid card being easy to get and one that you can buy almost anywhere - Sophie Cortez

What hidden fees should you watch out for with prepaid cards?

All prepaid cards are different and may charge varying fees, from a charge for each time you use the card to make a purchase to a fee for using it to withdraw cash from an ATM.

“These fees can add up quickly, eating away at the balance of money you've loaded onto the card. It's important to read the fine print to find the best deal. Look for information on the card, inside the card package or at the card issuer's website,” added Dev.

“Some activities your card provider might charge for and a range of their associated fees include - card purchase and/or activation fee of $0-$30 (Dh110), card reload fee of $0-$5 (Dh20), monthly service fee of $0-$9.95 (Dh40), purchase transaction fee of $0.49-$2 (Dh8), ATM withdrawal fee $1-$3 (Dh10), inactivity fee of $2-$5.95 (Dh25) per month.”

Dev added that some other fees include balance inquiry fees of $0.49-$2 (Dh8), fee for a paper statement of $0-$5.95-plus (Dh25), lost card replacement fee of over $10 (Dh40), card cancellation fee of around $10, overdraft charge of $15 (Dh55).

Other possible seemingly insignificant fee-incurring actions include bill payment, additional card, inactivity, to stop a payment, when a payment is declined, card-to-card transfer and a foreign transaction.

Key perks to using a prepaid card

The advantages and disadvantages of prepaid-card use varies widely by card. Following are some issues to consider when purchasing a prepaid card; not all cards have all the pros nor all the cons listed below.

“Some perks include a prepaid card being easy to get and one that you can buy almost anywhere. It is also easy to use and you can use them pretty much everywhere – with the added advantage of it being comparatively safer,” said Sophia Sanchez, a travel itinerary planner at a UAE-based European tour operator.

“If you lose cash, it's limited. If your credit card is stolen, the thief could rack up substantial charges. If you lose your debit card, a thief could drain your account. But if you lose a prepaid card, your loss is limited to the amount on the card. Also, some prepaid cards offer protections against loss or theft.”

Cortez also added that when it comes to prepaid cards, there is no credit check to get those cards. This is a plus for those with not-so-great credit histories. It is also an effective budgeting tool. You can load your monthly grocery budget, for example, on a prepaid card.

“Additionally, when using a prepaid card, you're spending a specific amount of money you've loaded onto it, so there is no chance of incurring debt with it,” Sanchez explained.

Key risks to using a prepaid card

Apart from the above-mentioned hidden fees, another key drawback is that money stored on prepaid cards does not accrue interest.

“Additionally, prepaid cards may not be safer than credit cards given that all the amounts on a credit card is protected from theft given that it is not your own hard-earned money,” added Sanchez.

“Prepaid cards also do not provide credit-history boost. Prepaid-card activity is not reported to the major credit-reporting agencies, so it doesn't affect your credit score. As such, it will not help build your credit.”

Verdict: Are prepaid cards better when travelling?

Since prepaid cards are associated with major card networks — Visa, Mastercard, American Express and Discover — they can be used anywhere debit cards can: to buy groceries, fill up on gas and even pay bills online. One downside of prepaid cards is hidden fees.

Prepaid cards are accepted where most debit and credit cards are, so they're an easy option to utilise when you're traveling. So even if you're planning a vacation within the country, these prepaid debit cards are the best options to choose from.

When travelling overseas, prepaid travel cards make it easy to get cash in the local currency without the risk of using your own debit card, costly credit card cash withdrawals or the hassle of traveller’s cheques.

In general, however, it's more convenient and secure to have a traditional debit card than a prepaid card. But if you're unable to open a bank account or are on a strict budget, prepaid cards may be more accessible.

Bottomline? A prepaid travel card doesn’t come without downsides, but if you want an easy way to access cash in your destination’s currency – and want a quick way to pay merchants once you arrive at your international destination – the ease of using them might make your trip a less stressful one.

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Choose from our selection of multi-currency prepaid cards for all your travel and shopping needs

TRAVELEZ PLUS CLASSIC

Presenting the Travelez Plus Classic card tailored to customers who are looking for a safer alternative to cash. The reloadable prepaid Visa card is ideal for customers who would like to enjoy shopping online or at any POS in the UAE bundled with a wide range of offers.

The card is a secure and convenient way to manage your funds and is accepted at almost all shopping outlets and online store and can be used to withdraw cash from ATMs, wherever Visa is accepted. Get yours today!  Click here for steps to activate your card. Click here for Terms and Conditions. 

Load any amount from AED 100 to AED 36,700.

Option to personalize the card with your name on it.

Accepted at POS, online and ATMs worldwide, wherever Visa is accepted.

Dedicated website and mobile app to track all your transactions

Enjoy seasonal rewards and offers from Visa.

Request a card (all fields are mandatory)

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Best Debit Card in UAE: A Comprehensive List and Comparison

Table of Contents

Debit cards have become an essential part of everyday life in the UAE. They allow individuals to make purchases, withdraw cash, and pay bills with ease. However, with so many options available, it can be challenging to determine which debit card is the best fit for your needs.

To help with this decision, this article will provide a comprehensive list and comparison of the best debit cards currently available in the UAE. The list will include information on fees, rewards, benefits, and any other relevant features that make each card unique. By the end of this article, readers will have a better understanding of the different debit cards available and be able to make an informed decision on which one to choose.

Whether you’re looking for a card with low fees, cashback rewards, or exclusive benefits, this article will provide all the necessary information to help make the right choice. With the UAE’s banking industry constantly evolving, it’s essential to stay up-to-date with the latest debit card options available to ensure that you’re getting the most out of your money.

Overview of Debit Cards in UAE

Debit cards have become an essential part of daily life, providing a convenient and secure way to access your money. In the UAE, there are many banks and financial institutions that offer a range of debit cards with different features and benefits.

One of the most significant advantages of using a debit card is that it allows you to make purchases and withdraw cash from ATMs without carrying cash. Additionally, debit cards are accepted worldwide, making them an ideal travel companion.

When it comes to choosing the best debit card in the UAE, there are several factors to consider. These include the fees and charges, rewards and benefits, ATM network, and security features.

Most banks in the UAE offer basic debit cards that come with no annual fees and allow you to withdraw cash from their ATMs free of charge. However, if you want to enjoy additional benefits such as cashback, discounts, and loyalty points, you may need to opt for a premium debit card that comes with an annual fee.

It is also essential to consider the ATM network of the bank before choosing a debit card. Some banks have a vast network of ATMs, while others have limited coverage. Therefore, it is advisable to select a debit card that offers maximum access to ATMs to avoid paying additional fees for using other banks’ ATMs.

Finally, security is a crucial factor when it comes to choosing a debit card. Most banks in the UAE offer advanced security features such as chip and pin technology, two-factor authentication, and SMS notifications for every transaction.

In summary, choosing the best debit card in the UAE depends on your personal preferences and requirements. By comparing the features and benefits of different debit cards, you can select the one that best suits your needs and provides the most value for your money.

Best Debit Cards in UAE

When it comes to choosing a debit card in the UAE, there are several options available in the market. Here are some of the top debit cards in the UAE that offer great benefits and features to their users.

ADIB Etihad Visa Debit Card

The ADIB Etihad Visa Debit Card is a popular choice among UAE residents. This card offers a range of benefits including cashback on purchases, discounts on dining and entertainment, and access to exclusive airport lounges. Additionally, the card allows users to earn Etihad Guest Miles on their purchases, which can be redeemed for flights, hotel stays, and other rewards.

Emirates NBD Liv. Account Debit Card

The Emirates NBD Liv. Account Debit Card is another popular option in the UAE. This card offers cashback on purchases, discounts on dining and entertainment, and access to exclusive offers and events. Additionally, the Liv. app offers a range of features such as budgeting tools, savings goals, and bill payment reminders.

HSBC Advance Debit Card

The HSBC Advance Debit Card is a great option for those who want to earn rewards on their spending. This card offers cashback on purchases, discounts on dining and entertainment, and access to exclusive offers and events. Additionally, the card allows users to earn HSBC Rewards points on their purchases, which can be redeemed for a range of rewards such as flights, hotel stays, and gift cards.

Mashreq Neo Smart Debit Card

The Mashreq Neo Smart Debit Card is a popular choice for those who want to manage their finances on-the-go. This card offers a range of features such as instant notifications, spending tracking, and budgeting tools. Additionally, the card offers cashback on purchases and discounts on dining and entertainment.

RAKBANK Red MasterCard Debit Card

The RAKBANK Red MasterCard Debit Card is a great option for those who want to earn cashback on their spending. This card offers cashback on all purchases, as well as discounts on dining and entertainment. Additionally, the card offers a range of other benefits such as free movie tickets and access to exclusive offers and events.

Overall, there are several great debit card options available in the UAE that offer a range of benefits and features to their users. It is important to compare the different options and choose the one that best suits your needs and spending habits.

How to Apply for a Debit Card in UAE

Applying for a debit card in UAE is a simple process that can be done online or in-person at a bank branch. Here are the steps to follow:

• Choose a bank: Research the different banks in UAE and compare their debit card features and fees. Choose the bank that best fits your needs.
• Check eligibility: Ensure that you meet the bank’s eligibility criteria for a debit card. This may include minimum age, minimum income, or residency status.
• Gather required documents: Prepare the necessary documents, which may include a valid Emirates ID, passport, and proof of income or residency.
• Fill out the application form: Complete the debit card application form, either online or in-person. Provide accurate information and double-check for any errors.
• Submit the application: Submit the application form along with the required documents to the bank. If applying online, follow the instructions for uploading the documents.
• Wait for approval: The bank will review your application and documents and notify you of the status. If approved, your debit card will be issued and sent to you.

It is important to note that some banks may charge a fee for issuing a debit card or for certain transactions. Be sure to read the terms and conditions carefully before applying for a debit card in UAE.

Criteria for Evaluating Debit Cards

When evaluating the best debit cards in UAE, there are several criteria that should be considered. These include fees and charges, ATM network and accessibility, rewards and benefits, security features, and customer service.

Fees and Charges

One of the most important factors to consider when choosing a debit card is the fees and charges associated with it. These can include annual fees, transaction fees, foreign exchange fees, and ATM withdrawal fees. It is important to compare the fees and charges of different debit cards to find one that offers the best value for money.

ATM Network and Accessibility

Another important factor to consider is the ATM network and accessibility of the debit card. The best debit cards in UAE should have a wide network of ATMs that are easily accessible. This can help users avoid high ATM withdrawal fees and ensure that they can access their money whenever they need it.

Rewards and Benefits

Many debit cards in UAE offer rewards and benefits such as cashback, discounts, and loyalty points. These rewards and benefits can be a great way to save money and get more value from your debit card. When evaluating debit cards, it is important to consider the rewards and benefits offered and how they can benefit you.

Security Features

Security is a top priority when it comes to debit cards. The best debit cards in UAE should have advanced security features such as chip and PIN technology, two-factor authentication, and fraud protection. These features can help protect users from fraud and ensure that their money is safe.

Customer Service

Finally, it is important to consider the quality of customer service offered by the debit card provider. This can include factors such as the availability of customer support, the responsiveness of customer service representatives, and the ease of resolving issues. Good customer service can be crucial in ensuring a smooth and hassle-free experience with your debit card.

Comparison of Debit Cards

Fee structures comparison.

When it comes to fee structures, some debit cards in UAE charge annual fees, while others do not. Some also charge transaction fees for using the card abroad or withdrawing cash from ATMs. Therefore, it is essential to compare the fee structures of different debit cards before choosing one.

For example, the Emirates NBD Liv. card does not charge an annual fee, and it offers free ATM withdrawals in the UAE and abroad. On the other hand, the ADCB Lulu card charges an annual fee of AED 100 and a transaction fee of AED 2.5 for using the card abroad.

Rewards and Perks Comparison

Debit cards in UAE also offer various rewards and perks, such as cashback, discounts, and loyalty points. Some cards offer higher rewards for specific categories, such as dining, travel, or shopping.

For instance, the CBD Now card offers up to 10% cashback on dining and entertainment, while the Mashreq Neo card offers up to 5% cashback on groceries and utility bills.

Security and Fraud Protection Comparison

Security and fraud protection are crucial factors to consider when choosing a debit card. Some cards offer advanced security features, such as biometric authentication, while others provide fraud protection and zero-liability policies.

For example, the Emirates Islamic Flex card uses biometric authentication to verify transactions, while the Dubai First Royale card offers a zero-liability policy for unauthorized transactions.

Customer Support Comparison

Lastly, customer support is another critical factor to consider when choosing a debit card. Some banks offer 24/7 customer support, while others have limited hours of operation. It is also essential to check if the bank provides online support or a mobile app for managing the card.

For instance, the ENBD Go4it Gold card offers 24/7 customer support and a mobile app for managing the card, while the RAKBANK Titanium card provides limited customer support hours and no mobile app.

In summary, when comparing debit cards in UAE, it is crucial to consider the fee structures, rewards and perks, security and fraud protection, and customer support to make an informed decision.

Choosing the Right Debit Card for Your Needs

When it comes to choosing the right debit card in the UAE, it’s important to consider your individual needs and preferences. Here are a few factors to consider before making a decision:

One of the most important factors to consider is the fees and charges associated with the card. Some cards may have annual fees, transaction fees, or ATM withdrawal fees. It’s important to compare these fees and choose a card that suits your budget and spending habits.

Many debit cards in the UAE offer rewards and benefits such as cashback, discounts, and loyalty points. Consider which benefits are most important to you and choose a card that offers them.

Security is a top priority when it comes to banking and financial transactions. Look for a debit card that offers advanced security features such as chip-and-PIN technology and fraud protection.

Accessibility

Consider the availability and accessibility of ATMs and bank branches. Choose a card that offers convenient access to ATMs and branches in your area.

Brand Reputation

Finally, consider the reputation of the bank or financial institution offering the debit card. Look for a bank with a strong reputation for customer service and reliability.

By considering these factors, you can choose the right debit card for your needs and enjoy the benefits of convenient and secure banking in the UAE.

Free Debit Card UAE

When it comes to choosing a debit card in the UAE, one of the most important factors to consider is the fees associated with it. Fortunately, there are several free debit cards available in the UAE that offer a range of benefits.

One of the most popular free debit cards in the UAE is the Emirates NBD Visa Debit Card. This card comes with no annual fees and offers a range of benefits, including cashback rewards, discounts at select merchants, and free access to airport lounges.

Another great option is the ADCB Simply Life Cashback Debit Card. This card also comes with no annual fees and offers cashback rewards on all purchases, as well as discounts at select merchants.

For those who prefer a digital-only option, the Liv. Debit Card from Emirates NBD is a great choice. This card can be managed entirely through the Liv. app and comes with no annual fees, as well as cashback rewards on all purchases.

Overall, there are several great free debit card options in the UAE that offer a range of benefits and features. By comparing the different options available, consumers can find the best card to suit their needs and budget.

After careful analysis and comparison of the top debit cards available in the UAE, it is clear that each card has its own unique features and benefits. The Emirates NBD Visa Debit Card offers a wide range of rewards and discounts, making it an excellent choice for those who frequently shop at partner merchants. The Dubai Islamic Bank Debit Card offers a unique profit-sharing feature, making it a great option for those looking to earn extra income on their savings.

The Mashreq Neo Debit Card and the ADCB SimplyLife Debit Card both offer cashback rewards on everyday purchases, making them ideal for those who want to earn rewards on their daily spending. The Abu Dhabi Commercial Bank Visa Debit Card offers a range of travel benefits, including free airport lounge access and travel insurance, making it a great option for frequent travellers.

Overall, when choosing the best debit card in the UAE, it is important to consider your individual needs and preferences. Whether you are looking for rewards, cashback, or travel benefits, there is a debit card available to suit your needs.

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5 Best Travel Cards for Dubai

Getting an international travel card before you travel to Dubai can make it cheaper and more convenient when you spend in United Arab Emirates Dirham . You'll be able to easily top up your card in GBP before you leave the UK, to convert seamlessly to AED for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the UK heading to Dubai, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

5 best travel money cards for Dubai:

Let's kick off our roundup of the best travel cards for Dubai with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the UK:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Dubai.

Starling Bank travel card

If you’re interested in a card from a licensed bank in the UK you might like the Starling Bank personal GBP account which comes with a travel card you can use in Dubai and anywhere else in the world, to spend with the network exchange rate and no extra fee.

You’ll hold a balance in GBP - but whenever you need to spend in AED or other foreign currencies, the card converts instantly for you for convenience. There are no monthly fees and no Starling ATM fees. Converting from your GBP balance to your EUR balance has a 0.4% fee.

Starling Bank features

Starling bank travel card pros and cons.

• No foreign transaction fee
• No need to convert your money from GBP to get the best available rate - the card does it for you
• No Starling ATM fees
• Broad range of additional services and add on products available
• Fully licensed UK bank
• You can open a GBP and EUR balance but USD balances are for businesses only
• ATM operators might apply their own fees to your withdrawals

How to apply for a Starling Bank card

Here’s how to apply for a Starling Bank account and order a travel card in the UK:

Visit the Starling bank website

Click Apply now

Complete your personal and contact information following the prompts

Get verified and confirm your shipping address for your card

Complete the details needed, confirm and your card will be posted to you

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Dubai. Wise accounts can hold 40+ currencies, so you can top up in GBP easily from your bank or using your card. Whenever you travel, to Dubai or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

With the Wise money card you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in AED, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in AED when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 7 GBP delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 2 - 6 days to arrive (you can use your virtual card right away)

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the UK:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 7 GBP fee, confirm your mailing address, and your card will be on the way, and should arrive in 2 - 6 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in Dubai, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 30+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 30+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the UK and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Post Office travel card

If you want a travel card you can collect in person instantly, and then use to spend when you visit Dubai, you might be interested in the Post Office travel card. You’ll be able to get your card by popping into a Post Office branch - online ordering is also available. Remember to take your ID document when you go to pick up your card, for verification.

You’ll be able to pay in GBP to top up your card, and then convert to any of the 22 supported currencies. It’s then free to spend if you have the currency you need on your card, although a 3% fee applies if you use your card to spend or make a withdrawal in a currency you’ve not topped up yet. Double check the latest details online to see if AED is supported for holding a balance - and what the associated fees will be for currency conversion and withdrawals, as these vary by currency.

Post Office features

Post office travel card pros and cons.

• 22 supported currencies
• Collect your card in person at a Post Office if you need it in a hurry
• Manage your card through the Post Office app
• Use your card for this trip - and hold in to it for the next time you travel
• Reliable service, with a card that's accepted globally
• 3% fee to spend a currency you don't hold
• 4.1% exchange rate markup on average when loading supported currencies
• ATM fees apply which vary by currency
• Low daily ATM limits at the equivalent of 300 GBP

How to apply for a Post Office card

Get your Post Office travel card before you leave the UK, simply by calling into your local Post Office. It’s also possible to order your card online, although in this case you’ll need to wait a couple of days for it to arrive by post, and activate it once you have your card in your hand.

Travelex travel card

Get your Travelex card for spending in Dubai either in person at a store, or by ordering online. 15 currencies are supported for holding a balance - but it’s useful to know that you need to convert to the currency you need for your trip in advance to avoid extra fees.

You can pay in GBP and load a balance in the currency of your choice, to spend and withdraw with no further Travelex fee - or you’ll pay 5.75% to convert at the point of payment. Check the up to date list of supported currencies on the Travelex website to ensure that AED is available for holding a balance.

Travelex features

Travelex travel card pros and cons.

• Hold 15 currencies
• No Travelex ATM fees
• Free wifi for card holders
• Mastercard privileges for card holders
• 24/7 support if your card is lost or stolen
• 5.75% fee to spend a currency you don't hold
• Inactivity fees if you don't use your card frequently
• 4.2% exchange rate markup on average when loading supported currencies

How to apply for a Travelex card

To apply for a Travelex account and order a travel card in the UK before you leave for your trip, you can pop into a Travelex store with your ID document. It’s also possible to order your card online, although in this case you’ll need to wait a couple of days for it to arrive by post, and activate it once you have your card in your hand.

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your British Pound everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to Dubai or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app, although you can also often add money in person by visiting a branch - we've picked out the Post Office and the Travelex travel card as popular prepaid cards with a branch network in the UK, for example.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Dubai. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday GBP account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Dubai

We've picked out 5 great travel cards available in the UK - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Dubai include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in AED can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences. If you're looking for a low cost card with the mid-market rate, which you can use in 150+ countries, the Wise card may be a good fit. If you'd prefer to pay a monthly fee to get higher no-fee transaction limits, take a look at Wise. And if you need to get a card in a hurry, check out a travel card from a provider with a physical branch network, like the Post Office card or the Travelex travel money card.

What makes a good travel card for Dubai

The best travel debit card for Dubai really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in AED.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for Dubai. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Dubai in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Dubai - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Dubai

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Dubai card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use AED?

If you have AED, you should be able to use it in a few countries. You may decide to keep your travel card topped up with a balance for this trip to Dubai or for the next time you’re headed somewhere which uses AED.

What should you be aware of when travelling to Dubai

You’re sure to have a great time in Dubai - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to Dubai before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change GBP to AED before you travel to Dubai if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in GBP and either exchange to AED in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Dubai to make an ATM withdrawal in AED if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the UK so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for Dubai

Ultimately the best travel card for your trip to Dubai will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for Dubai

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like Wise - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise and Revolut.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Dubai.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their GBP / AED rate to calculate how much United Arab Emirates Dirham you would receive when exchanging / spending £3,000 GBP. The card provider offering the most AED is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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Great escapes, meet your match. Spend and withdraw cash with your Starling current account anywhere, for free.

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Great escapes, meet your match. Spend and withdraw cash with your Starling current account anywhere, with no fees from us.

Why Starling’s current account is great for travel

Instant alerts when you spend.

In real time. And in both currencies.

Spend fee-lessly.

Pay on card or withdraw cash abroad anywhere, with no fees from us.

Great rates.

We pass Mastercard’s real exchange rate onto you, and don’t add anything on top. So you’ll get more for your money - whatever currency it’s in.

Holiday spending. But better.

Benefits of travelling with Starling’s current account

Friendly human help. If you’re awake, so are we. Get support in-app 24/7.

Lost your card? Lock it in the app , or order a new one to be sent out to you, wherever you are.

Settle payments. Paid together? Pay friends and family - or get paid back - with Nearby Payments and Split the Bill .

Flight next week? Start spending from your digital wallet straight away.

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Maximum Limit

Validity of Card

• The card is easy to issue prepaid card with or without registration or any bank account
• The cards validity is five years from the date of issue
• The starting loading amount is limited to a maximum amount of AED 3,500 and this can be used on Abu Dhabi Pay govt transactions only.
• The merchant payments and other reloads will be enabled after the full KYC is done and this will provide a maximum limit of AED 50,000
• The card will offer easy loading of funds and reloading of funds. You can keep track of your spendings.
• The Abu Dhabi Pay Hayyak Card can be loaded or reloaded through the following.
• FAB Cash Deposit Machines (CDMs)
• The FAB Mobile app and Online Banking for retail
• FAB iBanking and Nafura for corporate
• The payit mobile app (available soon)
• Distribution channels and government counters (available soon)
• UAE Funds Transfer System (UAEFTS)
• No card issuance cost, loading or reloading fees
• Hayyak Cards are available at Magnati offices and government counters.
• If cardholder full KYC is not done then maximum card balance is AED 3,500
• For all the KYC completed cardholders the maximum card balance is AED 50,000
• The card can be loaded or reloaded and the below are the various options available.
• FAB Cash Deposit Machines (CDMs): Free
• Distribution channels and government counters: Free(available soon)
• The FAB Mobile app and Online Banking: Free
• FAB iBanking and Nafura: Free
• The payit mobile app: Free (available soon)
• UAEFTS: Free
• For all the cardholders without KYC the maximum load amount is AED 3,500 on one time basis
• For KYC completed users the maximum load amount is AED 50,000
• Any kind of reload is not allowed for cardholders who have not completed their KYC
• For KYC completed users the max reload per day and transaction at FABs CDM is AED 50,000 and the maximum reload is unlimited
• The balance amount may be refunded on FAB ATMs if there is cash withdrawal provided to them.
• You can also place a request at Magnati offices to get your refund of balance on your Abu Dhabi Hayyak Card, the incomplete refund requests are not processed.
• For KYC users Withdrawal allowance per transaction is AED 10,000
• For KYC users Withdrawal allowance per day is AED 50,000
• For KYC users Withdrawal allowance per month is unlimited
• The cash withdrawal facility is provided at any FAB and Non FAB ATMs, the withdrawal facility is available only for the KYC completed customers.
• Cash withdrawal at FAB ATMs is free of charge
• AED 2 is charged for cash withdrawals at Non-FAB ATMs
• For all the International withdrawals AED 15 or 2.5 percent is charged whichever is greater

View details on bank page

FAB Government Black Corporate Card

• The cost of the card is AED 25 which will be deducted from the first load
• The Corporate cards require KYC/KYB (Know Your Customer/Know Your Business) registration, no bank account required
• The card has five years validity
• The Corporate cards require KYC/KYB (Know Your Customer/Know Your Business) registration, no bank account required
• The Maximum card balance is AED 10,000,000
• The card can be used for government transactions
• The Government Black Corporate Card can be loaded or reloaded through: FAB Cash Deposit Machines (CDMs)
• FAB iBanking corporate
• Distribution channels and MBME Kiosks
• The UAE Funds Transfer System (UAEFTS)
• The loading and reloading fees is as follows:
• FAB Cash Deposit Machines (CDMs): AED 5
• MBME Kiosks: AED 5
• Distribution channels and iBanking: AED 5
• The UAE Funds Transfer System (UAEFTS): AED 5
• The maximum card balance is AED 10,000,000
• The maximum load amount is AED 10,000,000
• Maximum reload amount per transaction at FAB CDMs is AED 75,000
• The Maximum reload amount per day at FAB CDMs is AED 75,000
• The Maximum reload amount per month at FAB CDMs is unlimited
• The Cards can be purchased and applied for through the following channels
• - Magnati offices
• - FAB’s website (www.bankfab.com)
• - FAB iBanking (will be available soon)
• Cash withdrawals are not permitted for corporate cards.
• This card is available to all UAE-registered companies.

FAB Abu Dhabi Pay Excellence Corporate Card

• There are No card issuance costs and no loading or reloading fees
• The card can only be used for Abu Dhabi Government transactions by corporates
• Card is valid for five years from the date of issue
• Corporate cards require KYC/KYB (Know Your Customer/Know Your Business) registration, no bank account is required The card offers easy loading and reloading of funds to help you keep track of your spending.
• The Card can be loaded or reloaded through the following ways
• FAB iBanking and Nafura
• The card loading and reloading can be done through the following channels.
• Distribution channels and government counters: Free (available soon)
• UAE Funds Transfer System (UAEFTS): Free
• The Maximum load amount is AED 10,000,000
• The Maximum reload amount per transaction at FAB CDM is AED 75,000
• The Maximum reload amount per month at FAB CDMs is AED unlimited
• The card can be purchased/applied for through:
• Magnati offices
• FAB’s website (www.bankfab.com)
• FAB iBanking (available soon)
• There are no card issuance costs if the customer chooses to collect them from Magnati offices. If the customer requests delivery, there will be a charge of AED 25.
• The balance amount on the card may be refunded on FAB ATMs (if cash withdrawal feature is available)
• The card user may place a request at Magnati offices to receive a refund of the balance of your Abu Dhabi prepaid card. The incomplete refund requests cannot be processed.

FAB Government Advanced Individual Card

• The maximum card balance is AED 75,000
• The card cost is AED 25 which will be deducted from the first card load
• The personalized card requires Know your customer registration and no bank account is required
• This card is valid for five years from the date of issue.
• The visa platinum deals and offers are applicable
• The card can be used for government transactions and other merchants
• The government advanced individual card can be loaded and or reloaded through the following.
• The payit mobile app
• FAB iBanking for corporate
• The maximum load amount is AED 75,000
• The Maximum reload amount per transaction at FAB CDMs is AED 35,000
• The Maximum reload amount per day at FAB CDMs is AED 35,000
• The Maximum reload amount per month at FAB CDMs is AED 1,050,000
• The cash withdrawals are available at FAB and non FAB ATMs The cards can be purchased and applied through the following channels.
• FAB’s website The FAB Mobile app and Online Banking
• Free cash withdrawals at FAB ATMs
• AED 2 is charged for non FAB ATMs within the UAE
• For withdrawals outside the UAE country charges of 2.5% or AED 15 whichever is higher is applicable
• The loading/reloading fees can be done through the following
• The FAB Mobile app, Online Banking: AED 5
• The payit mobile app: AED 5
• The redemption fee is AED 25
• The Withdrawal allowance per transaction is AED 10,000
• The Withdrawal allowance per day is AED 75,000
• The withdrawal allowance per month is unlimited
• Eligibility is available to all UAE Nationals and residents
• The Documents required for the Government Advanced Individual Card are as follows:
• Completed application form
• Valid Emirates ID (front and back)
• Completed FATCA Individual Form
• The prepaid card balance refund can be availed at FAB ATMs if cash withdrawal is available.
• You can request for a refund for balance on the government prepaid card at Magnati office, bank account transfer only and no cash refunds. The incomplete refund requests will not be processed.

FAB Government Sahala Individual Card

• The prepaid card can be issued without any registration or any bank account
• Easy issue prepaid card with Initial limit AED 3,500
• The card issuance cost is AED 15 which will be deducted from the first load
• Limit of AED 50,000 once KYCed completed
• The prepaid card has a validity of five years as per expiry date which is pre-printed on the card
• The initial loading amount is limited to AED 3500 which is maximum for government transactions
• For merchant payments and reloads a KYC (Know your customer) has to be completed with a max limit of AED 50,000
• You can do Government and non-government transactions Enjoy Visa offers will be applicable
• You can get the Visa deals and great offers applicable on card
• This prepaid card offers simple loading and reloading of funds which will help you to track your transactions.
• This is a Five-years validity card
• Government Sahala Individual Cards are available at Magnati Offices and the distribution channels.
• The maximum card balance transaction at FAB CDMs reload amount per month which is not registered is AED 3,500
• The maximum card balance transaction at FAB CDMs reload amount per month which is with Full registration or Full KYC is AED 50,000
• The maximum amount of prepaid card reload per day at FAB CDMs for one time transaction is AED 3,500
• The maximum amount of prepaid card reload per day at FAB CDMs for one time transaction with full registration or full KYC is AED 50,000
• There are loading and reloading fees. The following are the fees for loading and reloading.
• - FAB Cash Deposit Machine charges- AED 5
• - MBME Kiosks- AED 5
• - Distribution channels and iBanking- AED 5
• - The payit mobile app- AED 5
• - The FAB Mobile app, Online Banking- AED 5
• - The UAE Funds Transfer System - AED 5
• You can get a balance refund on a prepaid card. The balance amount can be refunded at FAB ATMs provided if cash withdrawal is available.
• The prepaid card user can request for a refund with a government prepaid card at a Magnati office. The requests with incomplete details will not be processed
• The withdrawal allowance per transaction is AED 10,000 and for those with full KYC withdrawal per day is AED 50,000 and withdrawal allowance per month is unlimited.
• The cash withdrawals are available only for KYC completed users and cash withdrawals can be made at FAB and non FAB ATMs.
• The FAB ATMs are free and no charges are applicable for withdrawals
• The non FAB ATMs within the UAE charge AED 2 per withdrawal and non FAB ATMs outside UAE charge 2.5 percent on withdrawals or AED 15 per withdrawal whichever is greater. The redemption fee is AED 25
• The Government Sahala Individual Card can be loaded or reloaded through:

FAB Abu Dhabi Pay Elite Corporate Card

• There are no charges for card issuance, loading or reloading fees
• The card can be used for Abu Dhabi government transactions and other merchants by corporates
• The card is valid for Five-years from the date of issue The Maximum card balance is AED 2,500,000
• Corporate cards require KYC/KYB (Know Your Customer/Know Your Business) registration, no bank account required Abu Dhabi Pay Elite Corporate Card can be loaded or reloaded through the following channels
• The maximum card balance is AED 2,500,000
• The maximum card load is AED 2,500,000
• The Maximum reload amount per transaction at FAB CDMs is AED 75,000
• The card loading and reloading fees are as follows
• UAE Funds Transfer System Free(UAEFTS)
• Corporate can can be purchased/applied through:
• There are no issuance costs if the customer chooses to collect them from Magnati offices. If the customer requests card delivery, there will be a charge of AED 25
• All the UAE registered companies are eligible for getting this card
• The balance amount may be refunded on FAB ATMs (if cash withdrawal feature is available)
• The card user can place a request at Magnati offices to receive a refund of the balance of your Abu Dhabi prepaid card. Please note that incomplete refund requests cannot be processed.

FAB Al Ruzmah Corporate Card

• The cost of the card is AED 30 which will be deducted from the first load
• The Corporate cards will require KYC/KYB (Know Your Customer/Know Your Business) registration, no bank account required
• The Maximum card balance of AED 2,500,000
• The Corporate cards will require KYC/KYB (Know Your Customer/Know Your Business) registration, no bank account required
• The card is valid for a period of five years from the date of issue
• The Al Ruzmah Corporate Card can be loaded or reloaded through:
• FAB iBanking and Nafura (available soon)
• Distribution channels (available soon)
• MBME Kiosks
• The loading or reloading fees is as follows
• FAB Cash Deposit Machines (CDMs): AED 10
• MBME Kiosks: AED 10
• Distribution channels: AED 10 (available soon)
• FAB iBanking: AED 5 (available soon)
• FAB Branch and Nafura (available soon): AED 25
• UAE Funds Transfer System (UAEFTS) : AED 5
• The Maximum card balance is AED 2,500,000
• The Maximum load amount is AED 2,500,000
• The prepaid card can be purchased/applied for through the following channels.
• Magnati offices and FAB RAK branches
• All the UAE registered companies are eligible for getting Al Ruzmah Corportate Card
• The balance amount may be refunded at FAB ATMs if the cash withdrawal feature is available.
• You may request a refund at Magnati offices, incomplete refund requests cannot be processed.

FAB Wafer Individual Card

• The card issuance cost is AED 30 which will be deducted from the first load
• It is easy issue prepaid card without registration or a bank account
• The card is valid for five years from the date of issuance
• The Initial load amount will be limited to maximum AED 3,500 and this can be used on the RAK Pay government transactions only.
• Reload and cash withdrawal capabilities will be enabled once the full KYC (Know Your Customer) is completed and this is with a maximum limit of AED 10,000
• This card offers easy loading and reloading of funds to help you keep track of your spending.
• The Wafer Individual Card can be loaded or reloaded through the following channels
• The card loading or reloading fees is as follows
• The FAB Mobile app, Online Banking and iBanking: AED 5
• FAB Branch and Nafura: AED 25
• The payit mobile app: AED 5 (available soon)
• The UAE Funds Transfer System (UAEFTS) : AED 5
• The Wafer Individual Card is available at Magnati offices, FAB RAK branches and distribution channels
• Card users who are not registered the maximum card balance is AED 3,500
• Card users who completed KYC get maximum card balance and maximum load balance of AED 10,000
• Card users who are not registered the maximum load amount is AED 3,500 one time only
• Maximum reload amount per transaction at FAB CDMs is not allowed for non registered users
• Maximum reload amount per transaction at FAB CDMs for KYC users is AED 10,0000
• Maximum reload amount per day at FAB CDMs for KYC users is AED 10,000
• Maximum reload amount per month at FAB CDMs for non KYC users is not allowed
• Maximum reload amount per month at FAB CDMs for KYC users is unlimited reload
• Withdrawal allowance per transaction for KYC users is AED 10,000
• Withdrawal allowance per day for KYC users is AED 10,000
• Withdrawal allowance per month for KYC users is unlimited The balance amount can be refunded at FAB ATMs (if the cash withdrawal feature is available).
• The card user may request a refund at Magnati offices.
• Incomplete refund requests cannot be processed.
• The cash withdrawals are available at any FAB or non FAB ATM. Note that cash withdrawal is available only for KYC completed customers.
• FAB ATMs: Free
• Non-FAB ATMs )within the UAE): AED 2
• International withdrawals: 2.5% or AED 15 (whichever is higher)
• The redemption fee at FAB branches is AED 25

FAB Abu Dhabi Pay Diamond Individual Card

• There are no charges for card issuance, loading fees or reloading fees
• The card can be used for Abu Dhabi Government transactions and other merchants
• The card is valid for five years from the date of issuance The Maximum card balance is AED 75,000
• Personalized card requires KYC (Know Your Customer)
• registration and no bank account is required
• Abu Dhabi Pay Diamond Individual Card offers easy loading and reloading of funds which will help you keep track of your spendings.
• Abu Dhabi Pay Diamond Individual Card can be loaded or reloaded through the following ways
• Abu Dhabi Pay Diamond Individual Card maximum card balance is AED 75,000
• The maximum load balance is AED 75,000
• The Cards can be purchased/applied for through the following channels
• The FAB Mobile app and Online Banking (available soon)
• There are no card issuance costs if the customer chooses to collect them from Magnati offices. If the customer requests delivery, there will be a charge of AED 25*.
• The Cash withdrawals are available at any FAB and Non-FAB ATMs. Below are the charges for the withdrawals.
• FAB ATMs: Free.
• Non-FAB ATMs (within UAE): AED 2
• The withdrawal allowance per transaction is AED 10,000
• The withdrawal allowance per day is AED 75,000
• The card is available to all UAE Nationals and residents The documents required for getting this card are completed application form, Valid Emirates ID (front and back) and Completed FATCA Individual Form
• The balance amount may be refunded on FAB ATMs if a cash withdrawal feature is available.
• You may place a request at Magnati offices to receive a refund of the balance of your Abu Dhabi prepaid card.

FAB Government Silver Corporate Card

• The Card cost is AED 25 which will be deducted from the first load.
• Corporate cards require KYC/KYB (Know Your Customer/Know Your Business), registration details, no bank account is required
• The corporate card is valid for Five years
• Corporate cards require KYC/KYB (Know Your Customer/Know Your Business), registration details, no bank account is required
• The card can be used for government transactions and other merchants by corporates
• There are Visa deals and offers applicable on the card usage
• The Government Silver Corporate Card can be loaded or reloaded through:
• Cash withdrawals are not permitted for corporate cards Available to all UAE-registered companies.
• The corporate cards can be purchased and applied through the following channels.
• The Government Silver Corporate Card includes the following features:
• The maximum card balance and maximum load balance is AED 2,500,000
• Maximum reload amount per month at FAB CDMs is unlimited
• The Loading/Reloading Fees are as follows.

Prepaid cards are slowing making their way into people’s lives across the world. These look like regular debit or credit cards but are functionally different from either of them.

Features of Prepaid Cards in UAE

As the name suggests, a prepaid card is a card issued by a bank or a financial institution which is preloaded with funds. This is a payment card and can be used like any debit or credit card. However, unlike a credit card, it doesn’t offer you credit and it is not directly linked to your banking accounts either [which is the case with debit cards]. Prepaid cards can be loaded with money by you or a third party and can be used up to the amount available. In short, when you use a prepaid card, there is no loan involved. You are spending the money that is already deposited with the bank or financial institution that has issued the card to you.

Let’s look at some of the basic features of a prepaid card:

• No credit approval required to avail prepaid card.
• Almost immediate issuance of the card.
• It can be used everywhere a credit or debit card is being used.
• A cashless and debt-free option to transact.
• Funds can be reloaded online, through direct deposits and ATMs.
• ATM withdrawal option available.
• Some banks might charge a small fee to provide the service.
• Usually, there is a limit on the amount that can be loaded and withdrawn in a specific period.
• These cards have an expiry date too.
• Some banks offer loyalty points or rewards for transaction done using a prepaid card.
• They can be used as gift cards
• Can be used as travel cards when you travel abroad.

Eligibility Criteria of Prepaid Card in UAE

The only criteria to avail a prepaid card in UAE is that the applicant must be over 21 years of age. You don’t need any documents or even an account with the bank issuing the prepaid card. However, this must be checked with the individual bank or financial institution before approaching them for a card.

Pros and Cons of Prepaid Card in UAE

Here is a quick look at the pros and cons of a prepaid card:

Pros of Prepaid Cards:

• Global acceptance being powered by VISA or MasterCard
• No credit scrutiny
• It’s not a loan hence no debt-worries
• Immediate issuance
• Possibility of earning reward points or a cash back

Cons of Prepaid Cards:

• Not linked to your account so purchase can be made only to the extent of the amount loaded
• Fees can be charged by the issuing institution for various services
• No interest on the money lying in the card’s account
• Transaction will be outright rejected if the it exceeds the amount available on the card

Difference between Prepaid Cards and Credit Cards

To bring things into perspective let’s draw a comparison between prepaid and credit cards:

Frequently Asked Questions

⭐ can i avail of a prepaid card if i am unemployed.

A. Prepaid cards are offered to people with basic documentation. You should not face any problem applying for a prepaid card. Do check with the concerned bank before applying.

⭐ What is the validity period of a prepaid card?

A. It is usually 6 months - 5 years from the date of issuance. While some cards have no validity. However, you can check with the issuing bank before availing the facility as this varies from card to card.

⭐ Is it mandatory to maintain a minimum balance on the card?

A. On most of the prepaid cards a minimum balance is required. If there no minimum balance on the card, it will be considered inactive and a monthly inactivity fee will be charged.

⭐ Can we withdraw cash using prepaid cards?

A. Yes. Prepaid cards can be used to withdraw cash at ATMs and other selected merchants/ kiosks. But a cash withdrawal fee will be charged.

⭐ What will be the cash withdrawal fee charged?

A. Cash withdrawal fee varies with the card provider. If the cash is withdrawn at the same bank ATM, then there won't be any cash withdrawal fee charged.

⭐ What can we do if the card gets expired?

A. If your prepaid gets expired, you can get a new card or get the existing one renewed if the bank permits.

⭐ Can I transfer my balance from one prepaid card to another?

A. Yes. You can transfer the balance from one prepaid card to another. A balance transfer fee will be charged.

⭐ Are all the prepaid cards reloadable?

A. Most of the prepaid cards are reloadable unless it is a gift card. You can check with the card provider before getting one.

⭐ Can I get my existing prepaid card replaced?

A. Yes. You can get your existing prepaid card replaced on paying a card replacement fee.

⭐ What happens if my card is inactive for so long?

A. If your prepaid card is inactive(no minimum balance) for more than a limited period, your card will be closed.

⭐ How do I check the transactions performed on the card?

A. You can get the details of your card which includes transactions history, balance on the card, and much more through phone banking, online banking, etc.

⭐ Are there any fees charged while adding money to the card?

A. There can be load/reload fee added which depends upon the provider.

⭐ What is balance unload fee?

A. Balance unload fee is a fee charged on withdrawing the remaining balance on the card after closing the card.

⭐ Are prepaid cards accepted worldwide?

A. Yes. Most prepaid cards are accepted worldwide. However, it is recommended to verify the same with the card provider before getting one.

⭐ Can I load the card whenever I want to?

A. Yes. If your card did not exceed the maximum limit, you can load the card.

⭐ Are there any charges levied on the closure of the card?

A. No. The prepaid cards expire once the validity is over. However, there will be a balance unload fee charged on withdrawing the remaining balance available on the card.

⭐ Are there any charges levied on the non-usage of the card?

A. Yes. If the prepaid card is inactive for a long time there will be an inactivity fee charged by some providers.

Popular Prepaid Card categories in UAE

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Eid al-Fitr opening hours

Our branches and Customer Service Units will be closed during Eid al-Fitr, and will open again depending on when the end of Ramadan is declared:

• If it is declared on Monday 8 April, they will be closed from Monday 8 April and will reopen on Friday 12 April

• If it is declared on Tuesday 9 April, they will be closed from Tuesday 9 April and will reopen on Saturday 13 April

During the Eid holiday, cheque clearing, domestic payments that don’t meet the Immediate Payment Instructions (IPI) criteria, international outward payments via online banking and international inward payments will not be processed.

Our self-service terminals (ATMs), digital and phone banking services remain fully operational during this period.

We wish you all a happy Eid al-Fitr.

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Global Private Banking Debit Card

Your Global Private Banking Debit Card

Accelerate your spending power with the Global Private Banking Debit Card, providing you with a daily purchase limit of AED 100,000 to access personalised privileges and services. From complimentary access to over 1,000+ airport lounges worldwide for you and 1 guest, to special hotel rates and room upgrades, indulge in your contactless Global Private Banking Debit Card, with countless experiences, lifestyle offers and more.

With the Global Private Banking Debit Card, you will get:

• Travel privileges Complimentary access to 1000+ airport lounges worldwide, for you and your supplementary cardholders, plus one accompanying free guest each, through LoungeKey™, choose from Visa Luxury Hotel Collection of 900 prestigious properties and receive up to 25% off stays at Jumeirah properties.
• Lifestyle privileges Easily process VAT across key locations in Europe with Visa and Global Blue and receive additional 10% savings on purchases at all Bicester Village locations in Europe.
• Convenience & security Faster, instant and secure purchases, just wave your card over a contactless terminal in store for small value purchases. Register your card on your Apple Pay, Google Pay and Samsung Pay wallets to pay with your device, in store or online. Easy access to your account, at millionsof ATMs in UAE and worldwide.
• Insurance & assistance Complimentary, multi-trip travel insurance for you and your family.
• Premium concierge A 24-hour premium concierge service taking care of all the details so you can simply take your seat and enjoy.
• British Airways discounts Get up to 10% off airfares when you book with your HSBC Global Private Banking Debit Card.

More benefits with Visa Infinite

Travel with your Visa Infinite Card and a world of complimentary services, benefits and discounts await you:

Airport Services

Airport Lounge Access 1

Complimentary unlimited access to 1000+ airport lounges in more than 300 cities all around the world, for you and one guest, you have the rare privilege of travel that’s tailored to you.

• Visit Lounge Key for more information and terms and conditions   Visit Lounge Key for more information and terms and conditions This link will open in a new window

or call +971 80004441054

DragonPass ‘Dine & Travel’ Airport Dining Program

In partnership with DragonPass, enjoy exclusive dining discounts at over 200 airport restaurants globally.

Discount can be availed through the ‘DragonPass Dine & Travel’ app.

• Visit DragonPass for more information and terms and conditions   Visit DragonPass for more information and terms and conditions This link will open in a new window

YQ Meet & Assist

Enjoy a personalised greeting and exceptional airport experience that your status deserves, with up to 30% discount on Airport Meet & Assist at over 450 locations globally.

• Visit YQ for more information and terms and conditions   Visit YQ for more information and terms and conditions This link will open in a new window

Hotels and car rentals

Visa Luxury Hotel Collection 1

Visa Luxury Hotel Collection is composed of over 900 intriguing and prestigious properties, from boutique gems to world famous hotels. Enjoy:

• best available rate guarantee
• automatic room upgrade upon arrival
• complimentary continental breakfast daily
• USD 25 food or beverage credit
• 3pm check out upon request and more
• Book online   Book online This link will open in a new window

Jumeirah Hotel Offers 1

Enjoy up to 25% off on stays at Jumeirah properties and enjoy:

• up to 25% off our Jumeirah Flexible Rate
• collect exclusive Jumeirah One Points when you book direct through Jumeirah
• discounts at spa treatments 
• get unlimited access to Wild Wadi Waterpark™ 
• access to kids club and private beach
• View all the offers   View all the offers for jumeirah hotel This link will open in a new window

Avis Car Rental Offers 1

Avis Car Rental, one of the world’s best-known car rental brands with a truly global footprint, offers the following discounts and privileges for Visa Infinite Cardholders:

• up to 35% discount on Standard Rates
• up to 30% off on International Leisure rates

Insurance & assistance

Multi-Trip Travel Insurance 1

Your Visa Infinite Card comes with multi-trip travel that allows you to simply focus on enjoying unique experiences. The cover for you, your spouse and up to 5 children, includes:

• personal accident benefits
• trip cancellation
• delayed trip or baggage
• loss of belongings and more
• Download the insurance certificate, more information and terms and conditions   Download the insurance certificate, more information and terms and conditions This link will open in a new window

Medical & Travel Assistance 1

Enjoy traveling the world with your Visa Infinite Card, knowing that your elite status will keep you protected.

For more information, call +44 (0) 208 762 8373

Indulge in countless luxury services, shopping, dining, entertainment offers, exclusive experiences and much more with your Visa Infinite Debit Card:

Concierge services 1

The 24-hour premium concierge provides a personal service taking care of all the details, so you can simply take your seat and enjoy. Servicing in English, Arabic, and French, concierge agents can help with bespoke services ranging from:

• restaurant advice
• booking tables, including those that are hard-to-get
• travel arrangements: booking flights, hotels, car rental, hotel transfers, tourist advice
• shopping recommendations, sourcing a product
• arranging for a special gift, sending flowers and more
• Concierge services more information and terms and conditions   Concierge services more information and terms and conditions This link will open in a new window

or call +9714 361 1234 / +44 2078502829

[email protected]

Bicester Village Shopping Collection

Bicester Village Shopping Collection is a collection of luxury brand outlet villages offering the authentic collections of the world’s leading designer fashion and lifestyle brands with up to 60% off the recommended retail price. Enjoy:

• additional 10% savings on purchases at any of the Bicester Village locations in Europe
• 15% discount on the Shopping Express® luxury coach service, Shopping Packages and Chauffeur drive service

For details, please get in touch with your Global Private Banking Relationship Director.

Your VAT Refund Processing in Style with Global Blue 1

Access premium Global Blue lounges across Milan, Rome, Venice, Munich, Madrid, Paris and London to process your VAT refund in style.

Exclusive Offers Globally and in the UAE 1

Your Visa Infinite Card makes it easy for you to lose yourself in shopping splendour with exclusive offers around the world:

• sharpen your wardrobe with exclusive discounts on jewellery and fashion
• shop at discounted prices wherever you travel
• More information and terms and conditions   More information and terms and conditions This link will open in a new window

Experiences

Visa Golf Access 1

Visa Golf Access enables you to indulge your passion for the game providing discounts on green fees at a growing number of golf clubs across the globe. You either need to call in advance to book or download the SpikesOn app to book and pay via the app.

• Find participating golf courses   Find participating golf courses This link will open in a new window

All Visa Infinite cards come with added protection so you can enjoy additional peace of mind:

Fraudulent Card Misuse Protection 1

Your Visa Infinite Card is protected against unauthorised transactions or fraudulent use for an amount of up to USD 5,000 per annum.

Buyers Protection 1

Buyers Protection provides Visa Infinite Cardholders with extra peace of mind, whatever you choose to buy, it protects against the theft or accidental damage of purchased items.

Extended Warranty 1

Extended Warranty adds real value to your Visa Infinite Card - it doubles the repair period offered by the original manufacturer’s warranty for up to 1 year, so you always feel the benefit of extra protection.

Purchases made through the HSBC Global Private Banking Debit Cards are protected under the complimentary comprehensive Purchase Protection and Extended Warranty Insurance. Purchases are automatically insured against theft or damage and have Extension of the manufacturer's or retailers warranty for up to 24 months from the purchase date.  

Travel 

Lifestyle , protection .

1 Offered by Visa International and subject to their terms and conditions. Visit ae.visamiddleeast.com for latest updates on Infinite card benefits. The benefits and features set out are current as at the date they appear in our document. However, they may be subject to change at any time in accordance with the applicable product terms and conditions.

Personal Banking General Terms and Conditions (UAE), all third party benefits terms and Schedule of Services and Tariffs apply.

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The best travel credit cards in the UAE for air miles, hotel deals and more

By Keith J Fernandez

Tapping your credit card for convenience reasons alone is now an unforgivable missed opportunity. For several years now, UAE residents have been able to collect points on credit card spending for redemption against discounts on movies and dining, as well as cashback against fuel or retail purchases. But inveterate travellers know that credit cards can be used to turn everyday expenses into unforgettable getaways, and taking out the right credit card means that every dirham you spend can be redeemed against airline tickets, hotel stays or other incentives. 

Common features of travel credit cards in the UAE

Before signing on the dotted line, it’s worth taking a look at some common benefits that travel credit cards offer in the UAE. You’ll most commonly be eligible for the following – often without spending a dirham. Make sure to ask about these perks:

Welcome gift

Most travel credit cards offer reward points or miles as a sign-on bonus.

No annual fee

Another sign-on incentive, annual fees are typically waived for the first year. Some cards will carry this annual waiver forward if you spend a certain amount on your card each year.

Free access to airport lounges

The best credit cards offer a set number of complimentary visits to airport lounges , usually in the UAE, but sometimes in other countries. So if your flight is delayed – or you’ve somehow whizzed through check-in – you can relax with a nice, cold glass of something calming.

Supplementary credit cards

Typically, cardholders can sign up for a specified number of supplementary cards. These usually don’t cost more, and the overall credit limit doesn’t change. You should be able to set the spending limit on each add-on credit card.

Travel insurance

Some travel credit card issuers provide free travel accident insurance cover to the cardholder as well as compensation for the missed or delayed flights and lost luggage.

Golf benefits

Tee fees may be waived a couple of times a year for travel credit cardholders at specific golf courses in the UAE. 

Other benefits

Travel credit cards in the UAE may also provide benefits such as discount coupons for dining, complimentary movie tickets, concierge services, valet parking, purchase protection, et cetera.

The best travel credit cards in the UAE

There are a broad range of travel-friendly credit cards available in the UAE and we’ve researched the pros and cons, so you don’t have to. Here’s a shortlist of some of the most useful. Most are available in a number of variations aimed at different income levels.

Emirates Citibank Ultima Credit Card

Touted as being made of metal for the primary account holder, the best thing about this Citibank credit card is actually that you earn one Skywards mile on every $1 spent within the UAE. That rises to 1.5 Skywards miles for every dollar spent on foreign exchange and 2.5 Skywards miles on every dollar spent at Emirates.com. Once your application is approved, you receive a welcome bonus of 25,000 Skywards miles, and an additional 10,000 Skywards miles when you pay the $817 (Dh3,000) annual membership fee each year. Other benefits include two complimentary bookings with the airport concierge service, Marhaba, and up to six Careem airport car transfers (up to $30 each) and valet parking services. Are you eligible? You’ll need to be a UAE resident and earn a minimum monthly salary of $10,000 (Dh36,750).

Emirates NBD dnata Platinum Credit Card

Nothing less than the best for you? Emirates NBD may have just the ticket for you. As one of the most flexible credit cards, it carries straightforward discounts on airline tickets, holiday packages and dining in the UAE, as well as offering the bank’s Credit Shield Pro life and job loss insurance policy. In addition, there’s unlimited complimentary airport lounge access to more than 25 regional and international airports. Finally, it’s one of the cheaper credit cards, at $143 (Dh525) per year. As an introductory offer, the bank is advertising up to $272 (Dh1,000) in travel vouchers on its website. Are you eligible? UAE residents will need to earn at least $2,180 (Dh8,000) to apply for the card.

ADIB Etihad Guest Gold Card

High-flyers based in Abu Dhabi may want to consider ADIB’s co-branded cards with Etihad airways. They range from classic to platinum, each with a different eligibility profile. For example, the ADIB Etihad Guest Gold Card offers a substantial welcome bonus of 35,000 Guest miles. On international expenses, it provides 1.5 air miles for every $1.10 (Dh4) spent, or one air mile per $1.10 on domestic transactions. Other features include a coveted companion Etihad Airways ticket voucher when you spend $40,840 (Dh150,000) or more on your card, a high cash withdrawal limit and access to 850 VIP airport lounges globally (complimentary twice a year).

Are you eligible? ADIB doesn’t list the minimum salary requirement on its website, but the financial services comparison website, Policybazaar.ae, states that it’s a minimum of $1,361 (Dh5,000) per month.

HSBC Platinum Select Credit Card

Hate paying annual fees? You’re in luck with HSBC, which gives you Air Miles every time you spend on one of its credit cards. These can be traded in for free tickets (including the taxes) in any class. There are no blackout dates, so if there’s a seat available on the flight, you can book it through the Air Miles travel shop. Other features include discounts on restaurants with the discount app, Entertainer, as well as discounts on airlines such as British Airways. 

Are you eligible? To apply, you’ll need to live in the UAE and transfer at least $2,723 (Dh10,000) a month into an HSBC Personal Banking Account.

First Abu Dhabi Bank Infinite Travel Card

True globetrotters may want to pick a credit card that doesn’t limit your booking options to a single airline or hotel brand. FAB’s Infinite Travel card offers a choice of more than 800 airlines, and more than 500,000 hotels and car rentals for redemption against FAB miles. Partner programmes include Emirates Skywards, KLM-Air France’s Flying Blue, Avianca LifeMiles, Turkish Airlines Miles & Smiles, Club Vistara, Jumeirah One and IHG Rewards. You get 1.5 FAB miles on each dollar spent on retail purchases anywhere, and 2 miles for each dollar spent on travel. Redemption and payments all happen within the FAB Miles mobile app. Besides a welcome travel voucher of $408 (Dh1,500) on activating your card, other benefits include one complimentary hotel night for every three paid nights, complimentary access to more than 1,000 airport lounges globally for the cardholder and one guest, up to eight airport transfers a year within the UAE and up to six airport transfers capped at $25 per ride with Uber internationally.

Are you eligible? Bank account holders will need to earn at least $8,168 (Dh30,000) to apply.

What to consider before taking a travel credit card in the UAE

With the UAE’s tax-free salaries, many expats are spoilt for choice when it comes to being eligible for travel credit cards. But enticing as accruing air miles sounds, there’s always a caveat: you may well spend more than you intended in pursuit of your travel goal and sometimes you might be better off just buying the ticket directly. Paying your monthly statement in full can help you stay financially healthy, but you’ll also want to take a closer look at yearly fees, annual interest rates, and the complexity of each rewards programme before signing up for any credit card. Some rewards are widely advertised but notoriously expensive to cash in on so ask your friends and colleagues for their experiences. It’s also worth considering what’s more important to you: lounge access or hotel discounts? And do you really need to transfer your salary to the bank? No travel friendly credit card will offer the best of all its features, so decide what’s most important to you before making a final decision.

Dubai Nol Card: Everything Tourists Need to Know Paying for Dubai’s Public Transport & More!

New to dubai and looking to navigate the nol card system for public transport.

You’ve come to the right place, as we will talk you through everything you need to know about this contactless smart card so you can hit the ground running when you reach Dubai.

If you intend to use public transport in Dubai, you will need a Nol card . Nol in Arabic means fare.

Nol or a Nol card is a rechargeable chip card. You need a Nol to travel on Dubai’s RTA (Roads and Transport Authority) Metro, buses, taxis and trams. Your Nol is not only for Dubai Metro tickets, it can also be used for many other services in Dubai, including public park entry, parking meters, museums, and even paying for groceries at convenience stores!

There are several Nol card choices, though, which we know can confuse newcomers. We will talk you through all your Nol card options, zones for ticket prices, and what you should expect to pay, which is essential for getting around in Dubai .

What Types of Nol Card are there?

Which nol card suits my needs best, nol fares compares by nol card, weekly, monthly, quarterly and annual passes with nol card, how to use the dubai nol card, more frequently asked dubai nol card questions, more on dubai public transport.

There are several different types of Nol cards. Dubai Nol cards come in:

• Red Nol ticket

Silver Nol Card

• Gold Nol Card
• Blue Nol Card

Who needs a Nol Card?

All passengers aged five years and over need a Nol to use public transportation in Dubai.

The only exemption for paying fares in Dubai is “People of Determination”- the name given locally to people with disabilities who can use public transport for free. They must, however, apply for a personal nol card – more below!

How much is a Nol card in Dubai?

The price of the physical card and ticket depends on the colour of the card you buy. 

A Silver Nol, for example, costs AED 25 ($6.80), of which AED 6 is for the card, and AED 19 is a credit on your card, whereas a Red Nol only costs AED 2 but has no pre-loaded credit – more below !

How much does each Metro trip in Dubai cost?

The tariff you pay per trip on Dubai public transportation depends on which card type you use, and the zones travelled.

Dubai Metro Zones

Dubai is divided into seven zones. The number of zones you travel on a single journey will determine the rate that will be taken from your Nol Card. These zones apply to travel by Metro & Dubai Tram . To keep it easy, there are only three rates.

• Tier 1 / 1 Zone : travel within 1 zone or less than 3 km, crossing two zones
• Tier 2 / 2 Zones : starts in one zone and ends in a neighbouring zone
• Tier 3 / 3+ Zone s: crosses three or more zones

The amount you pay per journey is automatically calculated when you tap in and out at stations/stops.

How can I get a Nol card in Dubai?

There are several different ways you can purchase your Nol card.

• You can purchase from ticket offices in all Dubai Metro stations and some Dubai Bus stations using a debit or credit card, or cash.
• Dubai’s Nol Silver Cards and Nol Red Tickets can be purchased from some Ticket Vending Machines.
• You can also purchase Nol Silver Cards in Dubai from RTA Customer Service Centres and RTA-authorised sales agents.
• Nol blue cards can be purchased online only.
• NEW – buy your Nol card online using the Nol Pay Application.

So, with the option of four different Nol cards (Dubai Metro cards, which can be used for multiple forms of transport, including Dubai bus and tram), which type of card is best for tourists?

Most tourists will opt for Red or Silver Nol cards – here’s what you need to know about each.

Nol Red Ticket

The Nol Red Ticket is a paper-based ticket (card) that can be purchased from ticket machines for only AED 2. It is an anonymous card (i.e., it doesn’t need registering) and is best for occasional users of the Dubai Metro, including tourists.

You must then load credit onto your Red Nol Ticket (Red Nol Card). It can be loaded with up to 10 Single Trips or 5-day passes.

Nol Red Ticket key features

• Low ticket price – only AED 2 upfront ($0.54 USD)
• The minimum balance to recharge is AED 7.50
• Valid for 90 days
• Can be bought from any ticket vending machine at any time
• Allows you to pay for the exact trip only

Example costs with a Red Nol Ticket

You will need to load these amounts onto your Nol Red card before using the Metro

• 1-day regular pass AED 20 (for use on one type of transport only)
• 1 day pass gold pass AED 40
• 1 zone AED 4
• 2 zones AED 6
• 3+ zones AED 8.50

The Nol Silver Card is the perfect Nol starter card for regular use with an e-purse that can be loaded with up to AED 1000.

The Silver Nol Card costs AED 25 upfront, which includes AED 19 e-purse value, and the ticket holder is anonymous, i.e. you don’t need to register your card.

Silver Nol Card key features:

• Automatically calculates the cost of your trip and deducts it from your e-purse
• Valid on all modes of transport
• Maximum journey duration 180 minutes
• The minimum balance is AED 7.50
• Valid for five years

Example fares for the Silver Nol Card

Although the Silver Nol is AED 4 more upfront than the Red Nol Ticket, you get cheaper fares on the Silver card. You can only travel in regular class:

• 1 zone AED 3
• 2 zones AED 5
• 3+ zones AED 7.50

Generally speaking, the Silver Nol will be your best option as a tourist if you are in Dubai for several days and intend to catch public transportation on several occasions.

Nol Gold Card

The Nol Gold Card allows the holder to travel in luxury and comfort in the Gold Class Cabin of the Metro. It is also an anonymous Nol card with the same features as the Silver Card, but with the added benefit of giving you privileged access to the Dubai Metro’s Gold Class seats for a premium fare.

The Gold Nol Card costs AED 25 upfront, which includes AED 19 e-purse value.

Gold Nol Card key features:

• Access to Gold Class cabins on the Metro & Tram
• Valid on all modes of transport (premium seating only on Metro & Tram)
• Valid for 5 years

Example fares on a Gold Nol Card

• 1 zone AED 6
• 2 zones AED 10
• 3+ zones AED 15

If you prefer a bit of comfort and space on your journey then the Gold Nol could be your best choice, though note it does not guarantee you a seat if the Metro is busy.

Nol Blue Card (Personal Nol cards)

The Nol Blue Card is a secure, personalized smart card that is best for daily commuters. You can use the Blue Nol card on all types of public transport that are part of the Nol Card scheme.

The major difference between Blue and Silver is that Blue Nol cardholders can enjoy a secure card balance if their card gets lost or stolen.

The Blue Nol Card costs AED 70 upfront, which includes AED 20 e-purse value. You can load your registered Blue Nol Card with up to AED 5000 in value.

Blue Nol Card key features

• Secure card balance if your card gets lost/stolen
• Personalized with a photo
• Variety of secure online services, as well as SMS & email notifications to keep you posted
• Students, Senior Citizens, or social welfare holders pay 50% of the regular fare

The Metro fares are the same as you’d pay for a gold or silver card but with the added benefit of securing your balance. You can top up larger sums immediately without fearing losing your balance.

You can apply for personal Nol cards online or through the Nol Pay application.

Water Bus Fares

The Water Bus in Dubai Marina charges a flat AED 2 per journey.

In addition to the single-use fares above, frequent travellers on the Dubai Metro or other RTA services can pay upfront for the following fares (Students, Senior Citizens and Concession holders pay 50%):

NB Anonymous Silver/Gold Cards can only apply for a 7-day pass; For anything longer, you need to register your travel pass product

7-Day regular pass

• 1 zone AED 50
• 2 Zones AED 80
• 3+ Zones AED 110

7-Day Gold pass

• 1 zone AED 100
• 2 Zones AED 160
• 3+ Zones AED 220

30-Day regular pass

• 1 zone AED 140
• 2 Zones AED 230
• 3+ Zones AED 350

30-Day Gold pass

• 1 zone AED 280
• 2 Zones AED 460
• 3+ Zones AED 700

90-Day regular pass

• 1 zone AED 330
• 2 Zones AED 550
• 3+ Zones AED 830

90-Day Gold pass

• 1 zone AED 660
• 2 Zones AED 1,100
• 3+ Zones AED 1660

365-day regular pass

• 1 zone AED 1,060
• 2 Zones AED 1,770
• 3+ Zones AED 2,670

365-day Gold pass

• 1 zone AED 2,120
• 2 Zones AED 3,540
• 3+ Zones AED 5,340

So, now you’ve sorted out what type of Dubai metro card you need, how does it actually work?

• Make sure you have at least AED 15 on your Nol card before you use it
• Place your Nol card on the card reader to “check-in”
• Wait for the beep or green light to know you’re successful and pass through the gate/entrance
• At the end of your journey, place your card on the e-reader and wait for the beep or green light, then pass through the gate

You can now use the Nol Pay application too ( Apple | Google Play ) as a virtual card. If you have uploaded your Nol card information you can make a single tap with your phone in place of a physical card or ticket (Presently only only on certain models of Huawei and Samsung devices, iPhone is coming!).

Topping Up Your Nol Card

When the balance is running low on your Dubai travel card, there are now several ways you can top up:

• At any RTA ticket machine or ticket counter (Note that the minimum top-up now at a ticket office is AED 20)
• Download the Nol Pay Application and top up with your debit or credit card
• Online through the RTA website

If you’ll be using Apps and otherline services during your time in Dubai, make sure you have a Dubai Sim card and enough data!

There are many upgrades expected to come to the Nol Pay system in 2024-25 and beyond. These changes will include family-group tickets, facial recognition, and stronger electronic security. We’ll update this information here as announcements come out.

This depends on what type of Nol card (Dubai Metro ticket/Dubai bus ticket) you want to purchase. There are different price categories for one-off/infrequent users (Red Nol), regular users (Silver Nol), and those who want to travel in a premium cabin (Gold Nol). You can also get a registered ‘Blue Nol’ – though you’ll pay the same fare on a Blue Nol as Silver or Gold, depending on what fare type you top your card up with.

You can purchase your Nol for the first time from any Metro station kiosk or vending machine, as well as many bus stops and tram stations. If you are arriving in Dubai from DXB, there are plentiful ticket vending machines at the Metro station, and staff are on hand to help.

You can top up your Nol card at Nol recharge stations found all over the city, as well as online via the RTA website or with s’hail app .

Dubai Metro Fares are calculated not only on zones but also on the type of ticket you are using. Use the price guidelines above and keep a minimum balance of AED 7.50 on your card (NB, that AED 7.50 can be used on your last journey)

Whilst a Nol card can be used to pay for taxis in Dubai , taxis still accept cash and card payments other than Nol. If taxis are the only transport you will use in Dubai, there’s no need to go out of your way to get a Nol card unless you’d like one for paying for park entry, shops and other handy features.

Blue Nol card is the only card that allows you to apply for a refund. It is wise to use any of the other electronic cards to top up only to the amount you think you’ll need to use.

You don’t have to be a resident to benefit from the registered Blue Nol card. If you are a frequent Dubai visitor or think you’ll be heavily using the card during your trip to Dubai, then it would make sense to go to the extra effort of having a Blue Nol card registered, though be mindful you’d need an address to collect it from.

You can use your Red Nol Ticket to pay as you go for use on regular or Gold; just make sure you top up the right amount and bear in mind Gold tickets cost more on a Red Nol Ticket than if you outright buy a Gold Nol Card.

You can use your Red, Silver, or Gold Nol card for the women’s and children’s cabins on the Metro; it is the same price as other regular pass cabins, just designated for families only. It is clearly marked with pink lines at one end of the train (front or rear, depending on which way the train is going). The only cabin that needs a different fare is Gold.

There are now over 2000 outlets in Dubai that allow tap and pay with Nol card; you can find them listed here. You can also use your Nol at Public parks that have a small entry fee.

Yes, there’s no separate type of transport ticket in Dubai for buses, all bus cards in Dubai are Nol cards.

Previously, the Palm Monorail operated completely separate from the RTA system. Recently, the relevant authorities in Dubai changed this so that Nol cards could be used to pay the separate fare for the privately-operated Monorail – learn more about the Palm monorail here .

In the future, yes, the NOL system in Dubai should seamlessly operate with the new Etihad Rail network across the UAE. Watch this space as changes to how we travel across the country are coming soon!

You can use the Nol card to pay your fare on the Intercity buses that run from Dubai to Abu Dhabi ). You cannot, however, use your Nol on Abu Dhabi’s public transport system, you would need a Hafialt Smart Card – learn more here .

The best place to start is the RTA website , or telephone queries (within the UAE) to 800 90 90

We hope this Nol Card/Dubai metro pass guide will help you navigate your way across Dubai. It is a big, sprawling city, but using the Metro can really help tourists get between the key attractions, and compared to other worldwide public transport systems, it is relatively low-cost, clean, and easy to use.

Fares and information in this guide are correct as of our last review in early 2024. Please confirm pricing directly with the RTA before purchasing.

Planning your travels around Dubai, you may also be interested in:

• Our complete guide on how to transit between Dubai and Abu Dhabi (hint: there’s no Metro all the way!)
• How water buses and water taxi work in Dubai Marina
• Explore Palm Jumeirah on the Monorail (now connected to the Nol card system!)
• Everything you need to know about catching a taxi in Dubai
• Here’s what you need to know about the new Blue Line Metro in Dubai

Before you go… More important things you should know when planning a trip to Dubai

• Pop into our essential planning information page, it includes everything you need to know about getting around Dubai , a handy guide on what to pack , and top tips for first-timers on the do’s and don’ts, laws, and customs to be aware of.
• Check out this incredible list of 150+ places you should visit when you’re in Dubai .
• Pick up a Dubai Pass from iVenture or a Go City Dubai Pass to save up to 50% on top Dubai attractions.
• Don’t forget to pack your travel insurance !!!
• Discover the best areas to stay in Dubai , or bag a bargain on your accommodation here:

Take me back to the Dubai essential planning information home page

Please note we are not a travel agency. This site is a travel blog to help newcomers to the UAE and transit passengers self plan their trip, we cannot book your flights, hotels, visas or connections for you. We may make a small commission if you click on any of our recommendation links . Dubai Travel Planner

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Greetings, please I wish to enquire if a tourist on a tourist Visa are obligated to pay fines levied on nol bus card upon exiting the UAE, thanks

I’m afraid we don’t know the exact answer to this. If you were fined in person and they took any form of ID from you then you could run into serious trouble when leaving the country, no matter how small the amount they take unpaid debts very seriously here in the UAE.

Hi I wish to inquire that if a person travels in bus without nol bus card and also have only visit visa then I want to know that is there any fine if it is then how can he pay without any slip

We do not known the exact consequences, but given traveling on public transport without a valid ticket is against the law anywhere in the world, why would you do it? Even a tourist can be fined for breaking the law. If you have an outstanding fine on leaving the UAE you will be held by border police until payment is made – we understand cash and credit card payment are accepted. If you cannot pay, a travel ban can be applied. Simply put, don’t break any laws in Dubai as consequences can be severe.

Hi, Is a Silver nol cart for personal use or can pay with it for two or more people at the same trip?

Hi Peter, each passenger over 5 years old needs their own Nol card to go through the gates at Metro stations, unfortunately there’s no card sharing.

If you need to keep 7.50 on your NOL card does that mean you have to have 7.50 unused on it at the end of your Dubai trip or can you use the 7.50 on your last public transport trip?

Our understanding is you need this when you start your last journey, so you do not exceed the maximum fare for that trip.

een nol silver 7 dagenpas (110 aed), kan ik hiermee onbeperkt reizen gedurende 7 dagen of enkel tot de 110 aed opgebruikt is ?

Is it possible to travel on public transport in Dubai using a Credit Card?

At present, the system is only set up for payment with a physical Nol card or Nol card on your phone, not credit cards.

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Can i use my visa debit card in dubai: complete guideline.

Using your Visa debit card while traveling can be convenient but also confusing if you don’t understand all the fees, charges, and rules associated with overseas transactions. Dubai is a popular travel destination that sees millions of tourists every year from countries all around the world. Many visitors wonder if they can use their regular Visa debit cards from home while on their trip to Dubai. 

This article provides a comprehensive overview of everything you need to know about using your Visa debit card in Dubai.

Let’s first answer the main query!

Can I Use a Visa Debit Card For Purchases in Dubai?

Yes, you can use your Visa debit card for purchases while visiting Dubai. Visa has wide global acceptance, so most shops, restaurants, hotels, and other merchants in Dubai will accept Visa debit cards issued by banks in other countries. But there are a few things to keep in mind:

Transaction Fees:

There are often more transaction fees charged by your bank for using your debit card. These are usually a percentage of the total transaction amount. Before traveling, check with your bank on exactly what foreign transaction fees they will charge to avoid any surprises.

Daily Withdrawal and Buy Limits:

Your bank likely has daily limits set on international ATM withdrawals and purchases. Know what those limits are so your card is not declined if you go over the limit. The limits are usually adequate for normal daily expenses, but larger purchases may require planning.

Chip And PIN Cards:

Some payment terminals in Dubai will prompt you to enter a PIN to complete transactions with your debit card. Thus, make sure you have a debit card with an embedded smart chip and know your PIN. Having a chip debit card will ensure the greatest compatibility with Dubai’s point-of-sale systems.

Notify Your Bank:

Let your bank know before you travel that you intend on using your debit card in Dubai. This way, there will be no suspicious activity alerts flagging your account. They will be expecting foreign transactions during the timeframe you provide.

Can Dubai Money ATMs Accept Visa Debit Cards?

You can withdraw cash in the local currency (United Arab Emirates dirham) from ATMs located all over Dubai using your Visa debit card. This will allow you to access needed cash for expenses during your trip. Here are some key tips to keep in mind when using your debit card at ATMs in Dubai:

Like purchases, expect to pay fees to both your home bank and the Dubai ATM owner for withdrawing cash. The fees are usually a few dollars plus a percentage of the amount withdrawn. Understand what fees will apply before accessing cash.

Daily Withdrawal Limits:

Stay within your bank’s daily ATM withdrawal limit to avoid declined transactions or holds placed for suspected fraudulent activity. Plan larger withdrawals over many days if needed to stay within your limit.

Choose Reputable ATMs:

Only use ATMs located inside secure facilities like banks or hotels to avoid tampered-with machines that can steal debit card information. Check online reviews and recommendations to help pick machines less likely to keep your card or provide counterfeit currency.

What About Currency Exchange Rates and Fees?

Whenever you use your Visa debit card abroad, transactions will be handled in the local currency and then converted to your home currency per Visa’s exchange rates after charging a currency conversion fee. It’s important to consider that exchange rates can fluctuate while traveling. You’ll want to check current rates and know your bank’s currency conversion fee percentage so you understand the true net cost in your home currency at the time of each transaction.

Monitoring transaction amounts so you don’t overpay due to currency fluctuations can be difficult. Consider options to lock in rates ahead of time through travel currency cards that allow you to pre-load fixed amounts of foreign currencies at set exchange rates. This method prevents excessive conversion costs from cutting into your travel budget.

More Research:

If you are traveling to Dubai and want to use your everyday Visa debit card while visiting, make sure to take the key steps highlighted in this article to avoid transaction declines or unexpected fees:

• Confirm your bank’s foreign transaction and ATM fees so you can budget.
• Check that your card has an embedded smart chip and that you know the PIN.
• Understand your bank’s daily international transaction and withdrawal limits.
• Notify your bank of your trip details before travel.
• Research current exchange rates and consider a travel currency card to lock in rates.

By following these tips, your Visa debit card will work across all types of purchases, ATM cash access, accommodations, and entertainment expenses while visiting Dubai. Enjoy the ability to spend on your trip without needing to carry excessive cash or manage many payment types.

Conclusion:

In summary, most standard Visa debit cards issued globally can be used with ease while traveling in Dubai for both purchases and ATM withdrawals. But take proactive steps to check on transaction and currency conversion fees, daily limits, and current exchange rates to avoid payment issues popping up abroad. Notifying your bank ahead of international trips and choosing secure ATMs for cash access will keep your account in good standing. Follow the recommendations covered, and your Visa debit card is all you’ll need for payments during an amazing visit exploring everything Dubai has to offer!

Also Visit:

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