travel cards uae

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.

Licensed by the Central Bank of the UAE

• Money Transfer
• Foreign Exchange
• Value-Added Services
• Al Fardan Premium
• Prepaid Card - Classic
• Prepaid Card - Platinum
• WPS & Payroll Service
• WU Money Transfer
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Travelez Plus Platinum Card

“Tailored for Travelers and Staycationers to get pampered with Privileges and Rewards”.

Whether you travel for Leisure, Business, Education or simply enjoying a Staycation in UAE, the Travelez Plus Platinum Visa card is an ideal way to be the smartest and most convenient way to travel and to get treated with exclusive privileges with delightful experience.

The Travelez Plus Platinum Visa card is each traveler’s boon, which helps them to lock-in the best-in-class Forex Rates before travelling and perform transactions in any preferred currency at the Visa approved merchant locations around the world. You card doesn’t stop there! you can also redeem the unused currencies available in the card to AED at preferred exchange rate irrespective of the market fluctuations on the day of redemption***.

• First of its kind in the UAE with an option to load upto 20 currencies
• Manage multiple currencies in a single card
• Customer can load upto 20 currencies in any of the Al Fardan Exchange branches.
• Customers will soon be able to load currencies in the card from their bank accounts in UAE using the online options(Mobile App)
• Customer can reload upto 20 currencies in any of the Al Fardan Exchange branches.
• Customers will soon be able to re-load currencies in the card from their bank accounts in UAE using the online options (Mobile App)
• The currencies that you load in the card gets Forex Rate locked thus avoiding marking fluctuations during your travel
• Receive OTP for all your Online/Ecommerce transactions and stay protected
• Access your money safely when travelling
• No need to carry large amounts of cash anymore
• Chip & Pin protected and accepted worldwide
• Advanced technology with contactless feature for ‘Tap and Go’
• No more your card is required to be swiped in the PoS terminals
• Accepted in leading metros/Tube payments
• Your Card is Your identity; hence you can personalize the card with your Name
• A name card for sure will give you the personal touch and feel
• Branch new mobile app with Touch ID and Facial recognition for improved security
• State of the art technology used for lighter look and feel
• You can load funds in the card, swap currencies from Waller to another in just under a second, set/modify priorities of your Wallet per your travel needs
• From golf to dining to shopping and more, Visa Platinum lets you enjoy a host of attractive lifestyle privileges and experiences
• Enjoy a wide range of offers, experiences and discounts offer by Visa
• Best in class offers and rewards to the Platinum card holders
• Visit https://ae.visamiddleeast.com/en_AE/support/consumer/card-benefits.html#3 for Platinum benefits offered by Visa.

***To be available as a limited time offer.

Get up to 40% off Umrah packages with your Travelez Visa Platinum Cards

Visitors from the GCC traveling to Saudi Arabia are eligible for a 40% discount on Umrah when paying with Travelez Visa Platinum. Cardholders must visit https://umrahbysaudia.com and use promocode UM40 to receive up to 40% discount (up to SAR 1,000).

• visit https://umrahbysaudia.com
• During checkout use promo code UM40 to receive up to 40% discount (up to SAR 1,000).

Booking period: until June 17, 2023

Travel period: until December 31, 2023.

Terms & Conditions

Earn 3X Miles. Link your Visa card on the Skywards Everyday app, pay and get Miles on the go!

Validity Dates: Until July 12th

For more information visit https://emirat.es/everyday

Explore the world with Qatar Airways – up to 12% OFF bookings and up to 50% Bonus Avios

• Offer: Flight discount: Up to 12% to Economy and Business cabins.
• Loyalty offer (only for QR loyalty members): 50% bonus Avios points.
• Hotel bookings: 1 Avios for each dollar.
• Car Rental: 1 Avios point for each 3 dollars.
• Ancillary: 70% discount on excess baggage

Promo Code: VISA23

Validity Dates: Sales window is until September 30th, 2023

Booking window: is until December 31st 2023

For more information visit Fly further with Visa | Qatar Airways

Shop for AED 500 or more at the Dubai Mall with Visa to spin for a chance to win instant prizes that match your passion. Visit the Visa activation on the 1st floor near Dubai Aquarium to play and win.

Validity Dates: 10th July - 7th October

Travelez Visa Platinum cardholders can enjoy up to 8% off accommodation on Booking.com

It is open to all Travelez Visa Platinum cardholders via www.booking.com/8visacemea

Promo Code: VISABKNG

Offer is valid from 1 st October 2023 until 31 st December 2024

• Customers who select ‘Pay Later at the hotel’ will not be eligible for an Instant Reward
• Visa Cards eligible for the offer remain unchanged
• Not valid for cancelled or no-show bookings
• Offer not available for all accommodation

Special Rewards

50% Movie Ticket Discount in all UAE Cinemas

Offer valid in All Cinema in UAE

Monthly two (2) 50% discounted tickets can be availed by a customer.

All Experiences (i.e., 2D, 3D, Premium 2D, Premium 3D, MAX Standard, Dolby ATOMS etc.) 5. Valid on All days of the week including weekend and Public holidays.

Complementary Travel Insurance

1. Complimentary International Travel Insurance

a. Schengen Compliant Travel insurance b. Worldwide coverage including USA & Canada

2. Single Trip - max 30 days

3. Multi Trip in a year covered*

4. Covid Covered

Process to Avail your Insurance Policy

Visa Luxury Hotel Collection (VLHC)

VLHC is composed of over 900 intriguing and prestigious properties.

YQ Meet and Assist

You receive a discount of up to 30% off retail rates at over 450 destinations globally

Extended Warranty

Extended Warranty adds real value to your Visa Platinum card.

Buyers Protection

Buyers Protection provides you with an extra peace of mind when purchasing an eligible item.

2-for-1 offers: xperience with the ENTERTAINER mobile app

Unlock 2-for-1 offers with xperience with the ENTERTAINER simply by being a Visa Platinum

Careem Bike

Get 10% credit back on Careem Bike rentals.

Dear Valued Customer, Our Wallet-to-Wallet transfer feature on your Travelez Plus Visa Platinum Card Mobile App is up and running now. You may now start transferring funds between the available wallets at your convenience. Thank you.

Dear Customer, we are working to improve your experience on the Complimentary Travel Insurance (US & Schengen) and we will soon resume the offer with revised features. We appreciate your support and highly value your patronage with us. Thank you.

Load multiple currencies at one go in your Travelez Plus Platinum card

You can load and manage up to twenty currencies on one card and choose from the below:

British Pound

Australian Dollar

Canadian Dollar

Swiss Franc

Singapore Dollar

Hong Kong Dollar

Japanese Yen

Indian Rupees

Chinese Yuan

Turkish Lira

Egyptian Pound

Omani Riyal

Bahraini Dinar

Kuwaiti Dinar

Saudi Riyal

Qatari Riyal

To buy a card please visit your nearest Al Fardan Exchange branch or call us at 600 5222 65

If you have any questions or concerns, please do not hesitate to reach out to our support team at [email protected] or +971 600 547774 .

Rates & Fees

• Frequently Asked Questions (FAQ)

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• Privacy Policy

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Key Facts Statement - Prepaid Cards

• Corporate Sustainability
• Fees & Charges
• Fraud Prevention
• AML Policies

Built with love in Dubai.

Terms and conditions

Flight Offer T&Cs

• Sales period: Until September 30th 2023
• Travel period: December 31st, 2023
• Purchases can only be made through www.qatarairways.com by entering promotional code VISA23 at time of booking
• Payment must be made using eligible Visa Cards issued in and for travel from Saudi Arabia, UAE, Kuwait and Oman
• Discount on base fare in Economy Cabin will apply to booking classes: 10% for Classic (O, T, Q, N), 12% for Convenience (S, V, L, M, K)
• Discount on base fare in First and Business Cabin will apply to booking classes: 5% for Lite (P) 10% for Classic (R), 12% for Comfort (I, D),
• Comfort in economy and Elite (C, J, A, F) in business and first classes are excluded from the discounts.
• Blackouts are applicable
• During any global or regional sales promotions, a 5% discount will be applicable
• Offer valid on Qatar Airways operated flights only (not applicable on any interline or codeshare flights).
• Discount applies to the base airfare fare only.
• Discount does not apply to taxes, surcharges and all other standard market surcharges.
• The promo code is valid on flight bookings originating from the above countries to all Qatar Airways operated destinations subject to certain exclusions
• Qatar Airways will not be responsible for any fare differences if customers fail to enter the given promo code at the time of booking.
• Fares displayed will already include the applicable discounts.
• Flights eligible for the discount are clearly signaled with a sales tag beside them.
• Customers who did not receive a discount, cannot be credited retrospectively.
• Valid for return and one-way fares.
• This offer may be used more than once during the offer period.
• Changes and Cancellation: see detailed fare rules at the time of booking.
• Seats are limited and might not be available on all flights; subject to availability in the respective booking class at the time of booking.
• Qatar Airway’s terms and conditions will also apply to your booking and also please refer to the fare rules at the time of booking for changes, cancellations, and no-show conditions.

Bonus Avios Offer

• This offer is applicable to Privilege Club main members.
• Bonus Avios will be awarded only for tickets purchased online through www.qatarairways.com/onlyforvisa or Qatar Airways mobile App by entering the promotional code “VISA23” at the time of booking.
• Sales period: Until 30 September 2023.
• Travel period: December 31st, 2023 To be eligible for this offer, members need to ensure to quote their Privilege Club membership number at the time of booking or check-in.
• If the passenger is not a Privilege Club member, they can enroll at Qatarairways.com update the booking with their membership number to earn bonus Avios.
• Existing tickets issued prior to the offer booking period; will not be eligible for the promotional bonus, if reissued during the offer period.
• Members will earn bonus Avios over the base Avios earned on Qatar Airways during the offer period.
• Tier bonuses, promotional bonus and family accrued Avios will not be considered in the calculation of the offer bonus.
• Bonus Avios are calculated based on the combination of booking date, flight date, cabin and fare family purchased.
• If the booking includes membership numbers for two or more passengers, then the bonus Avios will be credited to the membership accounts of all passengers provided they are Privilege Club main members and have mentioned their membership numbers at the time of booking or check-in.
• Family members are not eligible for bonus Avios offer.
• Offer is applicable only for flights marketed and operated by Qatar Airways.
• In case of overlapping campaigns, members will earn the highest bonus currency.
• Term currency refers to Avios, Qpoints or Qcredits.
• Members may use this offer more than once during the offer period.
• Offer is not applicable for tickets booked prior to booking period start date and after booking period end date.
• In case of any queries regarding this offer, please quote the offer code: 2302GC005 when you contact our Member Service Centre

Redemption instructions

To avail of the reward offer, visit www.booking.com/8visacemea and proceed with the following steps:

• Unlock the deal with the Access code: VISABKNG
• Sign up or log in to a registered Booking.com account. Users must be logged in to receive the benefit.
• Search for the accommodation and travel dates.
• Choose the preferred accommodation with ‘Instant Reward badge’ and room type to see the rate and estimated instant reward value displayed in the ‘Price Summary’ as an automatic deduction of costs.
• At checkout, customers must opt-in for the ‘Pay Now’ or ‘Pay Later’ with Booking.com option to be eligible.
• Use an eligible Visa Card (excluding Visa non-reloadable prepaid cards) to pay.
• Once the booking is complete, you will get an email confirmation highlighting the reward amount applied to the cost of your stay.
• Up to 8% off on accommodation, bookings are available to Visa credit and debit cardholders from 1 October 2023 - 31 December 2024 through dedicated URL www.booking.com/8visacemea
• Offer varies between 4% up to 8% based on the total transaction value of the booking.
• Customers who select ‘Pay at property’ will not be eligible for an Instant Reward.
• Access code has to be applied on the banner to unlock the deal.
• Access code must be applied at the time the booking is made and cannot be retroactively applied after a booking is confirmed.
• Customers have to select a property with a green badge mentioning ‘Get X off’ to be eligible for an Instant Reward.
• Only bookings made through the Offer Landing Page are eligible for this promotion.
• Bookings made through the Booking.com app or Booking.com direct are not eligible for this promotion.
• Cancelled and “no show” bookings are not eligible.
• Taxes and other fees and charges may not be taken into account for the calculation of the final reward. The final reward is subject to the exchange rate.
• Accommodations that do not accept credit cards are not eligible for the offer. These are accommodations that only accept cash as a mode of payment and do not have a “Instant Reward” badge displayed on their listing.
• The offer is subject to the terms and conditions of Booking.com. In case of dispute, the decision of Booking.com and Visa shall be final.
• All conditions of the promotion must be met at the time the booking is made; no retroactive claims will be allowed.
• These terms are to be read together with the complete conditions of use here and here and any other terms that apply to your trip. In the event of an inconsistency or discrepancy about the contents of these summarized conditions of use then the complete conditions of use (, to the extent permitted by law, shall apply, prevail, and be conclusive. For inquiries and concerns about the offer, you may call Booking.com Customer Service at https://www.booking.com/content/contact-us.html
• This translated version is offered as a courtesy only, and no rights can be derived from any translated version. In the event of a dispute about the contents or interpretation of these conditions of use, or any inconsistency or discrepancy between the English version and any translation of these conditions of use, the English-language version, to the extent permitted by law, shall apply, prevail, and be conclusive.

Frequently asked questions

Travelezplus – A VISA Platinum Multi-currency Reloadable Prepaid Card Frequently Asked Questions

It is a multi-currency prepaid card whereby you can have up-to 20 currencies loaded into a single card with the rate specified at the time of loading. An ideal companion when you travel abroad. You can use it globally to pay for your goods and services at POS & E-Commerce (Online). It also enables you to withdraw cash from any Visa supported ATMs across the globe. It is a VISA platinum card that enables you to enjoy special rewards discounts offered internationally by VISA. It is safer alternative to carrying cash while you travel abroad with peace of mind as it is protected with chip and PIN. It has also a contactless feature making it convenient to you for tap and go at supported merchant locations.

The list of currencies which can be loaded on Travelezplus card are as follows:

You would require a valid Emirates ID to purchase this card.

Yes, the minimum age is 18 years.

Only one (1) card per person is allowed.

Kindly download the Travelez Plus Platinum Mobile App from Appstore or Google Playstore to activate your card. Please scan the QR code printed on the card package to download the latest version of your Travelez Plus Platinum Mobile App.

Alternatively, you can also visit www.alfardanexchange.com/platinum to read our latest Terms and Conditions, Rates and Charges & Fees, Privacy Policy and to get the download links (Playstore and Appstore) for the Mobile App.

You can purchase the card from any Al Fardan Exchange LLC branches in the UAE.

Yes, you have an option to request for a personalized card with your name printed on it. Please inform the agent at the branch that you would like to print your name on the card. However, please note that it would take up to five (5) business days to obtain the personalized card couriered to your Home/Office address. Alternatively, you can purchase the non-personalized card instantly from any branch.

You can load the funds on the card by visiting any Al Fardan Exchange branches in the UAE.

You can nominate someone on your behalf with a valid Emirates Id to visit the nearest branch in order to load the required funds on the card. However please note that the nominated person needs to have a copy of your Emirates Id and your 16-digit card number as well (pls do not share the Expiry date and CVV of the card to any person(s) including your nominated person and/or our branch agent(s)).

You can withdraw cash from over 2 million Visa supported ATMs globally.

Please note that there are limits applied on the withdrawal and refer to the Terms and Conditions provided to you. You can refer to the Terms and Conditions on our website https://protect-eu.mimecast.com/s/9Y3bCPMmJHA5pmU16_tO?domain=travelezplus.alfardanexchange.com

To get to know the latest Rates, Charges and Fees for the Travelez Plus Platinum card please visit www.alfardanexchange.com/platinum .

You can load any currency on the card with a minimum equivalent amount of AED 100 for free of charge. For loads less than AED 100 or equivalent a load fee of AED 5 plus VAT will be charged to the card.

Yes, your card is a multi-currency whereby you can load up-to 20 currencies at specified (pre-determined) exchange rates. This saves you on foreign currency conversion rates on the currencies already loaded and any associated transaction fees.

The card is valid for 5 years from the date of purchase. The card is valid till the "Good through /Expiry Date/Valid Till” that is printed on your card. In case of Non-personalized cards there might be instances where your card may expiry before a five-year period from the date of purchase of the card and in those instances AFEX shall ensure to provide the customer with a free replacement card and the funds transferred from the expired card to the replacement card.

When you purchase any goods or services with your Travelezplus card it will automatically use the currency of the country (provided you have the funds in the relevant currency) in which the transaction is being made.

If there is no such currency or associated balance available on the card, the funds from USD currency will be utilized first followed by other currencies in the order you have set. If there are no sufficient balance (all currencies put together) to cover your purchase, then the transaction will be declined due to insufficient funds.

We recommend that you move funds to the desired currency you are planning to use. For example, if you intend travelling to London we recommend you to transfer money into GBP wallet. You can transfer money between currency wallets through dedicated mobile app. If you don’t move money into the desired currency prior to travelling, you can still make purchases, however if there is not sufficient money in the GBP wallet, the funds will be drawn from other active wallets (if funds are available) starting with the USD wallet followed by other currency wallets in the priority order you have set . This act will put you in a less favorable position, as you might be losing some funds on the currency exchange rate calculated between GBP and other currency(ies) used during the transaction.

Yes definitely. It works in the same way as a debit card or credit card when making purchases online.

The card enables you to purchase goods or services safely using the 3DS secure (where a One Time Password (OTP) is sent to your registered mobile number provided to Al Fardan Exchange during the customer registration) feature. However, you need to ensure that the merchant to whom you are purchasing the goods or services from is authentic on internet. We are not liable for losses from cardholders purchasing from fraudulent websites.

The card is valid for 5 years. The Valid Till/Expiry Date is printed on the back of your card. We recommend you to use your available funds before expiry of the card. Once card has expired you need to purchase/renew (with applicable charges) a new card and the available funds will be transferred to the new card. In case you do not want to purchase/renew a new card, you can then redeem the funds available on the card in our branch, however there would be charges applied for this transaction. (Exception: In case of Non-personalized cards there might be instances where your card may expiry before a five-year period from the date of purchase of the card and in those instances AFEX shall ensure to provide the customer with a free replacement card and the funds transferred from the expired card to the replacement card.)

Refunds or reversals, whether directly from a merchant or in the form of a disputed transaction that was transacted in a particular currency, will be returned / credited in the relevant transaction currency with the same amount. We might block the refund / credit on your card if there is no corresponding debit transaction associated with it.

You may cancel the card or close the card at any time before the expiry date by visiting any of our branches in the UAE and fill up the Card Closure Form provided by the teller at the branch.

If the card has not been in use for last six (6) months, there will be inactivity fees applied on each subsequent month till the card is used again. This is known as inactivity fees. To get to know the latest Rates, Charges and Fees for the Travelez Plus Platinum card please visit www.alfardanexchange.com/platinum .

The card may not be accepted at some Merchant locations which are not in compliance with either our internal policies or according to Sharia requirements as determined at our sole discretion.

You can load up to USD 10,000 on the card. To get to know the latest Rates, Charges & Fees, Load/Reload limits for the Travelez Plus Platinum card please visit www.alfardanexchange.com/platinum .

ATM withdrawal limit is USD 1,400 per day (Equivalent of all currencies)

ATM Withdrawal limit of the bank may also apply.

Certain ATM operators/banks may also charge additional transaction fees.

The first step you need to ensure that you lock your card using the mobile app. This will help in preventing any unauthorized/fraudulent transactions on your card. You can then reach out to our 24x7 Customer Care on +971 600 547774 and report your card as lost/stolen.

Yes, you can do so. You can reach out to our customer care on +971 600 547774 for further assistance.

Download the Dispute Resolution Form from our website www.alfardanexchange.com/platinum complete all the required information on the form, sign it and email it back to us on [email protected] .

You need to have your email address order to successfully download and use the Travelez Plus Platinum mobile app. The mobile app will help you to activate the card, monitor your card transactions, check transactions history, swap money between currency wallets, block your card (if necessary) and also set priorities to your active wallets. We will be sending you regular Offers, Promotions, Campaigns and updates on your registered email id with us.

The common causes of declined transactions on your card are as follows:

• Card is not active
• Card does not have sufficient funds
• Wrong PIN entry at POS/ATM
• Card is expired
• Card details entered online are not correct
• A physical damage on the card such as on chip/magstripe
• Specific merchant types are not allowed

Yes, you may use Travelezplus Card to Pre-authorize your hotel booking or car hire. The hotels or car hire companies might block a certain amount as pre-auth on your card. Therefore, the funds blocked under pre-auth will not be available for use till the time they release it.

You can change your PIN through the following options:

• Travelezplus Mobile App

You will be notified through SMS and/or Email on your registered mobile number.

Yes, due to sanctions on specific countries, the following nationals cannot purchase the card: Cuba, Myanmar, Iran, North Korea, Sudan and Syria.

Card can only be used by the individual to whom the card has been issued. Under no circumstances are you allowed to share your card with any other individual.

Yes, a Cardholder (Primary) can avail Supplementary Cards for his/her family (only).

For non-personalized Supplementary card its immediate upon successful KYC completion of the Supplementary cardholder and for Personalized Supplementary cards 5-6 business days.

Maximum of Two (2) Supplementary Cards can be issued against the Primary Card. i.e One (1) Primary Card and Two (2) Supplementary cards.

The Supplementary Card can be used anywhere where the Primary card is enabled. i.e International & Domestic (PoS, ATM, Online etc) transaction.

The Primary Cardholder can request Supplementary cards for Parent, Siblings, spouse and Children (age above 18) with an Active Emirates ID.

The Primary and Supplementary cards enjoy the same Card Max Balance/Purchase/Withdrawals limits. Max Balance of USD 10,000 will be shared amongst by the Primary and Supplementary cards.

Yes, we offer both Non-Personalized and Personalized cards for Supplementary Cards as well.

A one-time visit of the Supplementary Cardholder to any of our branch is required for a one-time face-to-face KYC check (Emirates ID registration).

Yes, the Supplementary Cardholder is required to share his/her UAE mobile number during registration and an International Number (optional) for transaction related communications.

A Supplementary Card can be only issued to a UAE resident, age 18 and above, related to Primary card through a familial relationship as mentioned in Point 41 above and hence cannot be re-issued to the Primary cardholder’s name (i.e Duplication is not possible).

The Supplementary Card cost, load fee, reload fee, withdrawal fee etc. will be as same as that of Primary card. The funds will be loaded to the primary cardholder account only.

Yes, the Supplementary cardholder can visit our branch for the cancellation/closure of the Supplementary card only. Supplementary cardholder cannot close the Primary card or account.

Yes, since the Primary cardholder is the actual card owner and is liable for the Secondary card usage, the Primary cardholder can initiate cancellation/closure of both the Primary and Supplementary card(s).

In order for a Supplementary cardholder to avail a new Travelez Plus Platinum card, the supplementary cardholder needs to cancel his/her supplementary card first and then apply for a new Travelez Plus Platinum card as a Primary cardholder.

Liability of the Supplementary Prepaid Card will be on the Primary cardholder.

Supplementary cardholder will get standard notifications for the transactions performed against their supplementary card.

Transaction and Load Limits

Account fee schedule.

The foreign currency equivalent for the above-listed amounts will be determined based on the Conversion Rate or the VISA Conversion Rate, as applicable.

For this section, a “day” is defined as a 24-hour period commencing at midnight UAE time.

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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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Citi UAE travel Credit Cards come packed with travel benefits for those who are always jet-setting the globe. These cards are designed with a wide range of travel offers and benefits to deliver you an enhanced traveling experience.

With our cost-saving travel Credit Card deals benefits and offers, you can avail discounts on travel bookings, hotel stays, car rentals, and more. You can check each section to get more details. Once done, start planning your trip and enjoy to the fullest without overspending your budget.

Get the Best Travel Offers with Citi Credit Cards

Airlines and Hotels

Get exclusive discounts on holiday packages and hotels bookings with a Citi Credit Card.

• 5% discount on bookings via emiratesholidays.com.
• Up to 5% cashback on hotel bookings via booking.com/citiuae.

Travel Insurance

• Get complimentary Travel Accident & Medical Insurance with a Citi Credit Card.
• Compensation for any travel inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents.

Car Rentals

• Get 6% off on car rentals when you book them with Citi Credit Cards.

Airport Lounge Access

Get unlimited complimentary access to 1,100+ airport lounges globally with select Citi Credit Cards. On select Credit Cards, you and your supplementary cardholder can also bring one guest each per visit with the MasterCard Travel Pass app.

Staycation Offers

Get special discounts in UAE and globally with a Citi Credit Card. Enjoy F&B discounts, Spa discounts during your stay and much more.

Marhaba Meet & Greet

Enjoy Marhaba Meet & Greet Services in a year with select Citi Credit Cards.

Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc . All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.

• Load seven currencies on single Card
• Lock-In rates before you travel and avoid currency fluctuations
• Dedicated website and mobile app to manage your money on the go
• Get great exchange rates as you spend in any foreign currency
• Chip and PIN protected
• Access your money safely when travelling
• Supplementary Card in case the first Card is lost or stolen
• No need to carry large amounts of cash
• Carry multiple currencies on the go
• Accepted at tens of millions merchant outlets globally
• Use unspent funds for your next trip or cash out your Card
• Reload your Travel Card whenever you like from any Al Ansari Exchange branches across the UAE
• Use it online, in store or to withdraw local currency from ATMs anywhere you see the Visa Acceptance mark
• Minimum Initial Load: AED 100
• Supplementary Card: AED 30
• Reload Fee: Free
• Mobile App: Free
• Online Account: Free
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Pros and cons of UAE-issued travel cards

Travel advice.

GN Focus examines the advantages and disadvantages of using UAE-issued prepaid travel cards

With their stipulated limits, prepaid travel cards are a great way of staying within your budget and restricting your purchases, a feature that credit cards do not have. They also have many other benefits, both at home and abroad.

THE PROS 

Multiple currencies make travelling easy.

In this age of stopover flights and multi-country holidays, travellers may need to change their dirhams to local money for something as simple as a meal or a cup of coffee. Many prepaid travel cards now allow users to carry balances in multiple currencies. RAKBank’s dual currency card comes with dirham and dollar currency wallets. While your dirham transactions will be billed in dirham , all your non-dirham  transactions will be in dollars. 

Exchange rates can be predetermined

Most multi-currency cards allow users to lock in exchange rates before a trip, thus avoiding large-scale fluctuations, and serving as a hassle-free hedge while travelling or shopping abroad. Al Ansari Exchange’s AAE travel card and Emirates NBD’s Globalcash card both offer the feature.  

Teenagers can use them easily

Most banks and financial institutions require applicants for credit cards to be at least 21 years of age, if not on their own work visa. Prepaid cards sidestep that requirement and are ideal for students travelling on their own, to international summer camps, for example. 

Sending money home becomes easier

Most prepaid travel cards have multiple uses. On cards issued by exchange houses, it is also possible to remit money to friends and family overseas. 

Expenses are easier to manage

Prepaid cards can help travellers stay under budget. Once the amount loaded on to the card is finished, it cannot be used for payments, unless it is topped up again. This feature prevents high-value impulse purchases for those who are inclined to max out their cards. 

Card reactivation

Some cards can be suspended after one trip and reactivated before a future trip, for up to a period of five years. This temporary lock, usually activated via the internet, ensures the card cannot be used in between trips, and consumers do not stand liable for inactivity fees. 

Safety first 

Prepaid cards are safer than debit and credit cards, issuers say, since they have a limited value and are not linked to bank accounts. If a card is lost or stolen, hackers would only be able to use the amount loaded on the card.

Visit visas are free 

Some prepaid cards also come with free travel insurance that is compliant with Schengen visa requirements. In the case of the Gocash card, this service is provided by Oman Insurance.

With a wide variety of advantages as compared to credit cards, there nevertheless remain some disadvantages. These include:

In most cases, users spending or withdrawing money abroad are likely to be charged a fee. It is advisable to check with your issuer before purchase, as the terms and conditions vary from card to card. The Gocash card, for example, charges users a cash withdrawal fee of $3 (Dh11) per transaction, but does not charge for transactions.

Spending limits

Spending limits may prevent high-value purchases. Spending is restricted to the limit on the card. In an emergency, it helps to have a second card at hand. You can top up the card online or via an app, but it may not always be possible.

Current market rates apply in some cases

Customers can lock in foreign currencies at preset exchange rates, but those who forget to top up international currencies before making a purchase may be liable to spot rates as the transaction will be effected according to the pre-decided currency priority. 

Use it or lose it

Unlike credit cards, you must use up the entire amount loaded on to the card before the expiry date. Unused amount may be forfeited if not claimed within a specified time.

Contact details aren’t always protected

A careful reading of the fine print on most cards indicates that those who sign on for these cards may agree to be contacted by the issuer’s business partners to assist in customer enquiries, as well as in marketing products.

Limited rewards 

Finally, associated rewards and discounts obtained by using these cards may not be as hefty as those achieved when swiping credit cards.

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15 Travel Credit Cards In UAE 2024

Find Best Credit Cards In Just A Few Simple Steps!

If you frequently travel or if it’s your favorite hobby, and are you looking for the best travel credit cards in UAE ?

It can save you money on bookings and make your travel more pleasant. Travel cards have benefits like air miles, skywards miles, and free cab rides.

For a frequent flier, two of the most important aspects to look out for are patterns of travel and spending habits. Although there is no perfect best travel credit card, you can look into your needs and choose the best one for you. bælter til damer frühjahr schuhe jungen sessel schuh under armour fußballschuhe grün maripe damenschuhe

What’s more important to you: access to more lounges or better discounts? No card will offer the best of all its features, so decide what’s most important to you before making a choice.

List of Best Travel Credit Cards in UAE

• Emirates NBD Skywards Signature Credit Card
• RAKBANK Mastercard World
• FAB Abu Dhabi Platinum Credit Card
• FAB Etihad Guest Infinite Credit Card
• Citi Bank Prestige Credit Card
• ADCB Traveller Card
• RAKBANK Emirates Skywards World Elite Mastercard
• Emirates Citi Bank Ultima Credit Card
• Standard Chartered Visa Infinite Credit Card
• ADIB Booking Signature Card
• Emirates Citibank Ultima Credit card
• ADIB Booking Infinite Card
• Deem Mastercard Platinum Miles Up Credit Card
• RAKBANK Air Arabia Platinum Credit Card

Travel Credit Cards with No Annual Fee

Many people would rather not pay an annual fee for their travel credit card, regardless of any benefits that they might receive. Fortunately, there are plenty of options out there for those who feel this way.

Many travel credit cards offer great benefits with no annual fee attached . Do some research to find the card that best suits your needs and offers the most value.

1. CBD World Master Card

Specially designed for our most distinguished clients, The World Mastercard® promises to open up a world of unique experiences and exciting privileges for the holder. Major Benefit: Rewards Points, Airport lounge access, Cinema discount etc.

Following are the travel benefits :

• Earn rewards points on all your purchases.
• Redeem rewards points for Skywards Miles, Etihad Miles, flight booking, shopping or Cashback.
• Welcome bonus of 40,000 rewards points on AED 5000 of spend within 30 days.
• Earn upto 2.5 points for every AED 1 spent internationally, 2 points when spent locally, 0.5 point when spent at supermarket and groceries and for government-related spends.
• Unlimited access to 900+ airport lounges in 450 cities worldwide through Lounge Key.
• 20% off on Careem rides 3 times a month.
• Complimentary night stay at participating Marriott BonvoyTM hotels.
• Skywards miles program.
• International concierge services.

2. CBD Titanium Mastercard

The CBD Gold Mastercard® provides you with greater spending power, worldwide acceptance and the ability to earn exclusive rewards. Major Benefit: Free for life, rewards program, airport lounge access Points to Consider: Foreign exchange fee applicable on international spends.

• The CBD credit card comes with no annual fees, saving you money every year.
• With a minimum salary requirement of AED 5,000, the CBD credit card is accessible to a wide range of customers.
• The retail interest rate of 3.45% is highly competitive, ensuring you pay less interest on outstanding balances.
• CBD credit cardholders enjoy a low foreign currency transactions rate of 2.75% per month, making it easy to use your card overseas.
• The CBD credit card allows for balance transfers from other UAE banks with a low interest rate of 0.8%.

3. Deem Mastercard Titanium Miles Up Credit Card

The Deem Titanium Miles Up Credit Card is an everyday card that takes you places. Earn 2x Miles Up points at supermarkets and on flights and hotels. Redeem your Miles Up points for flights, hotels, electronics and gift vouchers. Also get discounts on dining and entertainment.

• Earn double miles on airline ticket purchases and hotel reservations worldwide
• Get 2x miles on shopping in department stores and online, anywhere in the world
• Earn 0.5x miles on all retail spends worldwide
• Enjoy up to 15% discount on Avis car rentals worldwide
• Get 20% discount on 3 Careem rides every month

4. CBD Visa Infinite Card

Designed to serve the specialized needs of our most discerning clients, the CBD Visa Infinite Card reflects your distinguished lifestyle. Major Benefit: Airport lounge access, Cinema discount, Free travel insurance

The benefits of the air miles include the following:

• Under Attijari Loyalty program, you can earn Attijari points on all your purchases which can be redeemed into Skywards Miles, Etihad Miles or Cashback.
• Unlimited access to 550+ airport lounges in 400 cities all over the world through Lounge Key.
• Free travel insurance on purchasing ticket from CBD World Card
• Complementary meet and greet services with YQ
• 10% discount while booking with hotels and vacations through Agoda.
• Discounts on AVIS car rentals.
• Discounts at visa luxury hotel Collections.
• Get room upgrades, bonus benefits and high-Speed internet with Hilton.
• International concierge services

5. Deem Mastercard Platinum Miles Up Credit Card

The Deem credit card can offer some great perks for those who frequently travel. Some of these benefits include flight and hotel bookings, lounge access, and more. In order to be eligible to apply for this card, you must earn a minimum of AED 10,000 in salary per month.

  Here is a quick overview of the travel benefits offered by the Deem credit card:

• 3x Miles Up on flight and hotel bookings
• Complimentary access to 25+ premium airport lounges in the Middle East & Levant
• Discounts on car rentals and Careem rides
• Up to 30% discount on bookings made through Cleartrip

Credit Cards With Travel Insurance

1. ADCB Traveller Credit Card

The ADCB traveler credit card is perfect for people who love to travel. With this card, you’ll get 20% off on both flights and hotels, plus there are no usage charges when you use it abroad. You’ll also get a complimentary stay for up to 6 nights, and you can access airport lounges and get discounts at Starwood Hotels and Resorts.

Benefits Are,

• ADCB traveler credit card offers one of the best travel insurance in UAE.
• Up to USD 500,000 of Medical emergency expenditures and personal accident insurance
• Up to USD 100/day of cash benefit for in-hospital daily
• Up to USD 3000 insurance for loss of baggage (with no deductions)
• Up to USD 300 in case the customer's baggage is delayed

2.Emirates Citibank Ultima Credit card

With this card, you can earn 25,000 skywards miles as a welcome bonus. You’ll also earn 10,000 skywards miles when you pay your yearly membership fee of AED 3000. The card provides the best travel insurance also. And for every AED spent on purchasing tickets online at emirates.com, you’ll earn 2.5 skywards miles.

• Skywards miles as a welcome gift
• Free access to more than 1000 airport lounges to you, your guest, your supplementary card owners, and their guest.
• For your family members above the age of 15, you can take free supplementary cards.
• You will also get offers on dining, movie tickets, concierge, golf, etc.
• Travel insurance is complimentary with this credit card.

3. Citi PremierMiles World Credit Card

The annual fee for the Citi PremierMiles World Credit Card is AED 750. In order to be eligible for this travel credit card, customers need to earn a minimum salary of AED 15000 every month. Travel insurance is one of the rewards that this card offers.

Benefits Are:

• Travel Insurance
• Complementary access to airport lounges
• Dining discounts
• Supplementary credit cards for the family

Travel Credit Cards with Reward Values

1. CBD World MasterCard

If you’re looking for a great free credit card in the UAE, the CBD World Master credit card is a great option. To be eligible to apply, you must be between the ages of 21 and 65 if you are a UAE national, or 21 and 60 if you are an expatriate. The minimum salary required is AED 40,000.

Reward Value: AED 16,239

Benefits of the Commercial Bank of Dubai World MasterCard include :

• Access to more than 850 VIP airport lounges is free internationally.
• For every Dirham spent using this credit card, you earn reward points.
• The primary card is free for the first year.
• You get up to 15% discounts and special privileges in luxury serviced apartments.
• With Marriott Bonvoy hotels, you can get complimentary hotel nights.
• You get discounts when you book your flights using Cleartrip.

2. Standard Chartered Visa Infinite Credit Card

This travel credit card is one of the best in UAE. You will need a minimum salary of AED 30,000 per month and to be aged 21-60 to apply. The annual fee on this credit card is AED 1575 but the first year is free.

Reward Value: AED 11,101

The benefits of the Standard chartered visa infinite credit card include:

• You redeem 5% of the purchase when you use your credit card on Etihad, Emirates, and Virgin Atlantic.
• When you show your Visa Infinite credit card at 900+ airport lounges worldwide, you and your guest can enjoy unlimited access to the lounge.
• You can enjoy discounts up to 12% when you book a hotel through Hotels.com. For the discount, you will have to use the promo code SCBUAE12.
• You get complimentary travel insurance when you use your Visa Infinite travel card to pay for your travel.

3.ADIB Etihad Gold Card

The ADIB Etihad Gold Card is one of the best reward credit cards in the UAE for its high welcome bonus of 35,000 guest miles. You can earn 1.5 air miles on international spending and 1 air mile on domestic spending for every AED 4 spent. Plus, you can withdraw 100% of your credit limit as cash.

The benefits of the ADIB Etihad gold card include:

• Voucher for a free companion ticket- The best feature of this travel card would be the free ticket for the companion. When the Etihad gold card has been used to spend AED 150,000 or above, the customer gets a free companion ticket voucher. This voucher can be used to fly on any one of the flights of Etihad airways. The voucher holder can use it to travel to any destination, any time, and in any class. No other best travel credit card in the middle-east offers free tickets to the companion.
• ADIB Etihad gold card also offers access to 850 VIP airport lounges in the world. Up to 2 times a year, you can avail the lounges for free.
• Also, you can gain quick access to the Etihad silver tier when you use your Etihad gold card for 4 return flights within a year.

4. Mashreq Platinum Elite Credit Card  

The Mashreq Platinum Elite Credit Card is a great choice for people who travel often. Some of the benefits include good travel rewards and waived annual fees for the first year. The minimum salary requirement is AED 7000.

Benefits of Mashreq Platinum Elite Card-

• Get AED 1000 cashback for new customers
• 20% cashback on Zomato, Netflix, Talabat, Noon, Etisalat, iTunes, Du, Dubainow
• Earn up to 5 Salaam Points per AED on dining, supermarkets, etc. locally or outside UAE
• Redeem Salaam Points for Skywards Miles
• 8 Free access to Fitness First clubs
• Free access to airport lounges worldwide
• 3 Free airport transfers in Dubai & Abu Dhabi per year

5.RAKBANK Mastercard World Credit Card

The RAKBANK Mastercard World travel credit card comes with some great perks and benefits. You can rack up rewards points just by using your card, and those points can be used to get discounts or freebies later on. Plus, there’s no annual fee, so you can use your card without worry.

Reward Value:  AED   23,443

• Travel Discount
• Free for 1st year
• Special Discount
• Vehicle Registration & Servicing Pick-Up/Drop

 What Is a Travel Credit Card?

A travel card is a great way to save money on your next vacation. By earning rewards, miles, or bonuses, you can get discounts on airfare, hotels, and car rentals. Additionally, many travel cards offer perks like priority boarding or free checked bags. In short, a travel credit card can help make your next trip more affordable and hassle-free.

Travel credit cards offer cardholders special privileges and valuable rewards. These reward points come in two types. First, some travel credit cards may provide a signup bonus or welcome points to new cardholders. Second, the travel credit card offers reward points for spending a certain amount, often including a bonus for purchase from the co-brand hotel or airline partner. Once the cardholder earns enough reward points, they can redeem them for discounts on air tickets, hotel bookings, car rentals, and various travel-related transactions.

Features and Benefits of Travel Benefits Credit Cards

There are a lot of benefits that come with using a travel credit card. From getting sign-up bonuses to free access to airport lounges, these cards can really help make your travels more convenient and enjoyable. If you’re a frequent traveler, then definitely consider getting a travel credit card to make your trips even more seamless and enjoyable.

• Welcome Gift:  Most travel credit cards offer reward points as a sign-up bonus or welcome gift. Those reward points further can be redeemed for the air miles at domestic as well as international airlines.
• Free Access to Airport Lounges:  Some of the  best credit cards offer complimentary  airport lounge access at a wide range of airports. In case of delayed flights, the cardholder can sit, relax, and enjoy light refreshments.
• Supplementary Cards:  Cardholders can opt for unlimited supplementary cards for their eligible family members. The supplementary cards don't attract any additional fee. The cardholders can set the spending limit on each of the supplementary cards.
• Travel Insurance:  Some travel credit card issuers provide complimentary travel accident insurance cover to the cardholder. In addition to this, they offer compensation for the inconvenience caused due to missed or delayed flights and loss of checked-in luggage.
• Complimentary Movie Tickets: The majority of the travel rewards credit cards offer  Buy 1 Get 1 complimentary movie tickets every month that can be availed any day of the week.
• Golf Benefits:  Travel credit cardholders can also play a complimentary round of golf once a month at specific golf courses in the UAE.
• Annual Fee Waiver:  Most credit card applicants search for a travel card that doesn't charge annual charges.

Eligibility Criteria to Apply For Travel Credit Card

The eligibility criteria to apply for a travel credit card vary from bank to bank and from one card to another. Listed below are the major criteria to obtain a travel card:

• The applicant's age should be between 21 years to 65 years.
• Applicants should have a steady source of income.
• The applicant should have an address
• Emirati applicants should have Emirates Id. Expats need to provide other documents such as passports and the resident permit.

How to Apply for Travel Credit Cards in the UAE?

The credit card application process is very easy. The applicants can apply for travel cards offline as well as online.

Apply for a Travel Credit Card Online

Before an applicant applies for a travel credit card, they must ensure they meet the eligibility criteria by checking the requirements on the official website of the bank. They can apply for a travel credit card that suits their needs by clicking on the apply button on the online application page and providing all the required details.

Once the bank has received the credit card application and if the applicant’s profile meets the eligibility criteria, a travel credit card representative will reach out within 3-5 working days. They will guide the applicant through the next steps of the application process, including what documents are needed and how to submit them. If all required documents are successfully submitted, the credit card application will be processed within 7-10 working days.

Apply for a Travel Credit Card Offline

Individuals who are not comfortable with the online credit card application process can alternatively apply for a travel card at their nearest bank branch. There, a bank representative will guide them through the different travel credit card options and help them choose the one that best meets their expectations and budget.

After selecting the card, they will need to fill out a travel credit card application form and provide the required documents, such as identity proof, proof of income, and address proof.

How to Find the Best Travel Benefits Credit Card?

There are a lot of different travel credit cards out there, and it can be hard to know which one is right for you. The best travel credit card offers rewards or miles that you can redeem for things like flight tickets, rental cars, or hotel bookings.

And of course, who doesn’t love getting discounts on their travel-related transactions? When you’re trying to choose the best travel credit card for your needs, make sure to consider things like what kind of rewards you’re looking for and what kind of spending you typically do when you’re on the road.

here are some factors that applicants ought to consider when choosing the right travel credit card.

• Welcome or Sign-up Bonus:  Most travel credit card issuers provide exciting sign-up bonuses. The applicants must compare the signup bonus when choosing the best travel card. The sign-up bonus can help the cardholder avail great discounts on their flight tickets, hotel bookings, etc.
• Annual Fee:  There is no doubt that the travel credit card with an annual fee offers extra privileges and rewards as compared to the one with no annual fee. Also, credit card experts advise comparing the value of the rewards and bonuses to make sure they are worth paying the annual fee.
• Rewards Rate:  All travel credit card issuers offer enticing rewards and bonuses on their cards. When choosing the right travel credit card, it is very important to know how many miles will be earned per dirham spent. Also, the applicant should know the value of those miles.
• No Foreign Transaction Fees:  If the applicant frequently visits foreign countries then it is very important to choose a card that doesn't charge foreign transaction fees.
• Travel Protection:  The cardholder should opt for the travel card that provides maximum travel protection such as reimbursement for trip delay, loss or damage of checked-in baggage, trip cancellation and interruption protection, travel accident insurance, etc.
• Can I use a travel credit card for anything?

You can use them like you would any other credit card. And you can also earn rewards, usually in the form of points or miles. Generally, you can earn rewards by making everyday purchases”think clothes, gas, and electronics. Once they add up, you can redeem them for travel-related purchases.

• When should you open a travel credit card?

Apply for a card at least five months before your trip. That will give you time to get the card, earn the bonus, and book travels with points.

• Can you get a travel credit card as your first credit card?

Likely no, but you can offset travel costs by joining loyalty programs and opening a cash-back card in the meantime. Many or all of the products featured here are from our partners who compensate us

• Is it hard to get approved for airline cards?

In general, co-brand airline credit cards are some of the easiest credit cards to get. For most cards, you need a credit score in the mid-600s, but 670 or above is best. Even if your score is only above 600 but not quite 670, you still have good approval odds for cards that don’t have an annual fee

• How do I transfer money from my travel card to my bank account?

Insert your travel card into any ATM in another nation and follow the instructions to withdraw money. Making a withdrawal is as simple as using your regular bank card. You can transfer money preloaded on your card to a Bank transaction account by connecting to the Bank app or using the Net Banking service.

• Can you withdraw cash from your travel card?

Yes, you can. You can use any ATM that accepts Mastercard. Fees will apply for every cash withdrawal, these fees are detailed online or in your welcome letter.

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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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Compare Prepaid Cards in UAE

List of prepaid cards in uae.

FAB Abu Dhabi Pay Hayyak Card

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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eSIM Research

The Best eSIM Cards for UAE Travel in 2024

Top esim card providers for uae, understanding esim technology.

What Is an eSIM?

Advantages of using an esim in uae, comparison of esim providers, coverage comparison.

• eSIMX boasts widespread coverage across the UAE, ensuring seamless connectivity in both urban and rural areas.
• Airalo offers coverage that competently spans most of the UAE, although some travelers might experience reduced signal strength in remote regions.
• Holafly and Nomad present comparable coverage, focusing primarily on populous cities and tourist hotspots ensuring travelers remain connected where it matters most.
• Maya , while newer in the market, promises expansive coverage, rivaling established providers, though real-world experiences may vary.
• Orange , known globally, provides solid coverage in the UAE. However, its focus on international travelers might mean its domestic urban coverage surpasses its rural.

Pricing and Plans Comparison

• eSIMX positions itself as a premium option, offering comprehensive packages that, while priced higher, cater to data-heavy users.
• Airalo emerges as an affordable choice, with diverse plans tailored to short visits and longer stays, making it versatile for various travelers.
• Holafly offers competitive pricing for its unlimited data plans, an attractive proposition for travelers unconcerned with spending a bit extra for peace of mind.
• Nomad introduces flexible plans, allowing users to customize based on their needs, often resulting in cost savings.
• Maya seeks to attract budget-conscious travelers with its competitive pricing strategy, though its offerings are more limited in scope.
• Orange , with its global footprint, provides plans that are moderately priced, balancing cost with the assurance of a reputed brand.

Customer Service and Reliability

• eSIMX and Orange excel in customer service, offering 24/7 support through multiple channels. Their reliability is also noted through consistent connectivity and swift resolution of issues.
• Airalo earns praise for its user-friendly interface and responsive customer service, making it a favorite among tech-savvy travelers.
• Holafly and Nomad both showcase robust customer service frameworks, though their responses can vary in speed during peak travel seasons.
• Maya , as a newer player, is still proving itself in this domain. Initial feedback points to a committed but evolving customer service approach.

How to Activate an eSIM for UAE Travel

Step-by-step activation guide.

• Choosing a Provider: Based on the previous comparison of coverage, pricing, plans, and customer service, decide which eSIM provider meets your travel requirements for the UAE.
• Purchasing a Plan: Visit the selected provider’s website or app, and purchase an eSIM plan that suits your data needs and travel duration. Payment methods and plan options vary across providers.
• Receiving the eSIM: After purchase, you’ll receive an email with a QR code. This QR code is crucial as it contains the eSIM profile you need to download.
• Scanning QR Code: On your smartphone, navigate to the “Cellular” or “Mobile Data” settings and select the option to add a new plan. Scan the QR code provided by your eSIM provider.
• Installing eSIM Profile: Follow the on-screen instructions to install the eSIM profile. This step might include assigning a name to your eSIM or choosing it as your primary or secondary data plan.
• Activating the eSIM: Once installed, the eSIM should activate automatically. If not, you may need to manually enable it from the cellular settings on your device.

Tips for a Smooth Activation Process

• Check Device Compatibility: Before purchasing any plan, make sure your smartphone supports eSIM technology. Most recent models of popular brands do, but it’s always best to confirm.
• Keep Your Device Updated: Upgrade your device’s operating system to the latest version to avoid any compatibility issues with eSIM technology.
• Wi-Fi Connectivity Is Key: Have a stable Wi-Fi connection ready when you’re about to activate your eSIM. You’ll need it to download the eSIM profile via the QR code.
• Follow Instructions Carefully: Each eSIM provider may have slightly different activation instructions. Pay close attention to emails or instructions provided throughout the process.
• Customer Support Is There for a Reason: If you encounter any issues during activation, don’t hesitate to reach out to your eSIM provider’s customer support. They can provide guidance and resolve any problems.

Travel Tips for UAE Visitors Using eSIM

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