10 Best FAB Prepaid Cards for Individuals and Companies 2024

The First Abu Dhabi Bank (FAB) provides a variety of prepaid cards for individual and corporate customers. The prepaid cards are like debit cards without a bank account.

With an FAB prepaid card, you can make online payments, transfer money and withdraw cash from an ATM. Out of all prepaid cards, I have selected the 10 best FAB prepaid cards of 2024 and I will share them here to help you choose a suitable prepaid card for yourself.

Who Can Get an FAB Prepaid Card?

A UAE National/Citizen or a UAE Resident (expat) can get an FAB Prepaid Card from First Abu Dhabi Bank. A UAE government organization or a non-government (private) company in the UAE can also get an FAB prepaid card designed for corporate people.

Living in the UAE is the first eligibility condition to obtain an FAB Prepaid Card. In addition, each FAB prepaid card has some specific eligibility criteria.

Top 10 FAB Prepaid Cards

Each FAB prepaid card has some special features to help the card holder to manage their finances efficiently. Let us explore the FAB prepaid card eligibility, required documents and benefits one-by-one. Here i cover 5 best FAB Prepaid Cards for Individuals and 5 best FAB Prepaid Cards for companies.

5 Best FAB Prepaid Cards for Individual

#1. Ratibi Prepaid Card

FAB Ratibi Prepaid Card is a salary card for employees who earn up to 5000 Dhs per month. It offers a stress-free salary payment solution for the employer and also reduces the risk of carrying for the employees.

The FAB Ratibi Card is made with 100% compliance with the Wages Protection System (WPS) Guidelines & Regulations for Salary Payment set by the UAE Government.

Eligibility Criteria

• The employer must have a corporate account with FAB Bank.
• The employee must be residing in the UAE.
• The employee must complete and up-to-date KYC details.

Required Documents

• and Salary Transfer via WPS or Non-WPS
• Employees’ Details File (including Identity Proof)
• WPS SIF File Creator
• Routing codes
• Salary Transfer Request
• Ratibi – WPS Cancellation Request
• iBANKING Corporate Online Banking Application UAE

FAB Ratibi Card Benefits

• Card holders (Employees) receive free SMS alerts on every salary credit.
• Card holders do not need to open a bank account.
• Card holders neither need to maintain a minimum balance nor need to pay any maintenance charges.
• FAB Ratibi Card can be used at all ATMs, in-store and online.
• It can be used at all VISA/MasterCard networks worldwide.
• 24/7 FAB Call Center offers Great Customer Support.
• Cardholders can create their Card PIN using an FAB ATM.
• Compliant with the UAE Government’s WPS Guidelines.
• The Ratibi Card eliminates the risk of carrying cash in daily life.
• Fully Automated Service with Instant Salary Credit.
• The Employer can transfer salary online to multiple Ratibi Cards with a single bank transfer transaction.
• The Employer can do Real Time Card Management and Secure Salary Transfer via FAB Online Banking.
• Can set spend limit to control your expenses.

Insurance Benefits

• Free personal accident insurance for All Ratibi Card Holders: In the event of death or permanent total disability of the card holder due to an accident, they are eligible for 5 time monthly salary or a maximum of AED 25,000.
• Hospitalization due to accident for at least 24 hours: The card holders are eligible for a daily cash benefit of AED 50. The cash benefit will be paid for a maximum period of 30 days and the total cash benefit must not exceed AED 1,500.
• Repatriation of mortal remains: The FAB will pay the Actual expenses for repatriation of mortal remains, the maximum payment will be AED 5,000.

#2. UAQ PayRow Individual Card

FAB UAQ PayRow Individual Card is useful for Umm Al Quwain government transactions and other merchant payments. This FAB prepaid card is suitable for individuals only.

Both the UAE Nationals and expat residents can apply to get the PayRow Individual Prepaid Card. Opening a bank account is not needed to get this card. It offers a maximum balance limit of AED 75000 per card.

• Card Issuance Fee: AED 30
• Balance Loading/Reloading Fee: AED 5 to AED 25 + 5% VAT per transaction

Eligibility Criteria

• All UAE Nationals/Citizens and UAE Expat Residents are eligible to get the PayRow Individual Prepaid Card.
• The applicants must do registration with full KYC to get a personalized card. This FAB prepaid card is not available without registration.

Required Documents

• Completed application form
• Valid Emirates ID (front and back)
• Completed FATCA Individual Form

UAQ PayRow Individual Card Benefits

• Can use the card to make Umm Al Quwain government transactions and also for paying other merchants.
• The card provides a maximum balance limit of AED 75000.
• You can load/reload the card balance with a maximum AED 75000 per transaction per day.
• The card is issued easily with registration & KYC without opening a bank account.
• The card has 5 year validity.
• The cash withdrawal is allowed up to AED 10000 per transaction and a maximum AED 75000 per day.
• Avoid unnecessary expenses by setting monthly spend limit on the card.

#3. Government Sahala Individual Card

FAB Government Sahala Individual Card is a prepaid card designed for payment to government entities in the UAE. The individuals who need a prepaid card to make frequent payments to government entities should apply to get a Government Sahala Individual Card from FAB Bank.

The FAB has authorized Magnati Offices and distribution channels to issue Government Sahala Individual Cards. After you apply for the card and it is approved, you can collect your prepaid card from the concerned Magnati Office or distribution channel.

• Card Issuance Fee: AED 15 per card
• Balance Loading/Reloading Fee: AED 5 + 5% VAT per transaction

Eligibility Criteria

• All UAE Nationals/Citizens and Expat UAE Residents are eligible to apply for the FAB Government Sahala Individual Card.

Required Documents

• Identity Proof (e.g. Emirates ID Card)
• Residency Proof
• Recent Salary Certificate
• Other documents as asked by FAB bank

Government Sahala Individual Card Benefits

• FAB issues the card with registration and without registration.
• No Need for opening a bank account to get a Government Sahala Card.
• Unregistered users can load up to AED 3500 once per card and use it to make government payments.
• Full KYC registered users can load up to 50,000 per transaction per day with the help of FAB CDMs (cash deposit machines).
• Registered users can withdraw cash from FAB ATMs with AED 10,000 limit per transaction and AED 50,000 limit per day.
• The card comes with 5 year validity and expiry date is printed on the card.
• Set amount limit to have full control over your expenses.

The Sahala Prepaid Card can be used for government transactions only. If you want a prepaid card for government transactions with other merchant payments, you should apply for the Government Advanced Individual Card. It offers more

#4. Abu Dhabi Pay Hayyak Card

FAB Abu Dhabi Pay Hayyak Card is available for individuals living in the UAE. The FAB issues the card at free of cost and does not charge a loading or reloading fee. But you can use the Abu Dhabi Pay Hayyak Card only for Abu Dhabi government transactions.

In case you want to use your Abu Dhabi Pay Hayyak Card for both government transactions and other merchant transactions, you should complete the full KYC registration process.

• Card Issuance Fee: Zero
• Balance Loading/Reloading Fee: Zero

Eligibility Criteria

• All UAE Citizens and Residents (expats) are eligible to apply for the Abu Dhabi Pay Hayyak Card.

Required Documents

• Identity Proof (e.g. Emirates ID)
• Residency Proof (Address Proof)
• Income Proof (e.g. Salary Letter/Certificate)
• Other documents as asked by FAB bank

Abu Dhabi Pay Hayyak Card Benefits

• No Fee for Card Issuance [It’s Free].
• No Fee for Loading/Reloading the Balance on Card.
• FAB issued the card quickly without registration.
• The card offers more benefits and higher balance limit for registered users.
• No Need to Open a Bank Account.
• Allow initial load amount up to AED 3500 for registered and non-registered users.
• The maximum balance limit up to AED 3500 for non-registered users.
• Up to AED 50,000 Maximum balance limit for full KYC registered users.
• The card has 5 year validity (expiry date is printed on the card).
• Non-registered users can do government transactions with this card.
• Registered card holders can use the card for Abu Dhabi government transactions and also for other merchant payments.
• The registered users can reload their card with maximum AED 50,000 per transaction per day.
• Non-registered users cannot withdraw cash from the Hayyak Card.
• The registered users can withdraw cash from the Hayyak Card AED 10,000 per transaction and AED 50,000 per day.
• Can set spend limit to save money and reduce expenses.

#5. RAK Pay Wafer Individual Card

FAB RAK Pay Wafer Individual Card is a prepaid card for government transactions in Ras Al-Khaimah. This FAB prepaid card is available for all UAE residents.

The Wafer Individual Card supports only RAK Pay government transactions and cash withdrawal transactions. Kindly note that you cannot use the Wafer prepaid card for other merchant payments.

• Card Issuance Fee: AED 30
• Balance Loading/Reloading Fee: AED 5 to AED 25 + 5% VAT per transaction

Eligibility Criteria

• All UAE Citizens and Expatriate Residents are eligible to apply for the RAK Pay Wafer Individual Card.

Required Documents

• Emirates ID Card or Equivalent Identity Proof
• Utility Bill or Tenancy Contract or Equivalent Address Proof
• Salary Certificate or Any Other Income Proof
• Additional documents if asked by FAB bank

RAK Pay Wafer Individual Card Benefits

• The card can be issued without registration.
• The card holder does not need to open a bank account.
• Up to AED 3500 initial balance loading limit without registration.
• Up to AED 10,000 balance limit for full KYC registered users.
• The card has 5 year validity, expiry date is printed on the card.
• Cash withdrawal from the ATM machine is allowed up to AED 10,000 per transaction per day.
• It is the best prepaid card for government transactions in Ras Al-Khaimah.
• Set transaction limit to cut down expenses and avoid over spending.

5 Best FAB Prepaid Cards for Companies

#1. Payment Prepaid Card

FAB Payment Prepaid Card is designed for companies who need to deal with manual petty cash handling and recurring payments. All registered companies in UAE can get the FAB Payment Card and use it for online payment, in-store payment and cash withdrawal purposes.

Eligibility Criteria

Any company registered and residing in UAE is eligible to obtain the Payment Prepaid Card from First Abu Dhabi Bank.

Required Documents

• Valid Trade License
• Proof of Address
• Identity Proof of Applicant(s)
• Other documents as demanded by the FAB bank

FAB Payment Prepaid Card Benefits

• No Need to Activate the Card.
• No Need to open a bank account.
• No monthly charges.
• No Need to maintain a minimum balance on the card.
• FAB Payment Card is accepted at any domestic ATM and international in-store purchases.
• The card holder can generate their PIN at any FAB ATM.
• FAB provides several free statements per card holder.
• The card holders have 24/7 free access to the FAB Prepaid Online Portal.
• Go to any FAB ATM for cash withdrawal and any FAB CDM for cash deposit.

Online Module for Corporate Clients

The First Abu Dhabi Bank has developed a banking channel called Online Module. The corporate clients access FAB Online Module for doing real-time transaction activities and uploading payment files.

The dedicated individuals from the company/corporation can use the Online Module to access following services.

• New Card Requests – Individual and Bulk
• Card Status Change – Individual and Bulk
• Card Modification
• Card Replacement
• PIN Reset
• Dispute Form Upload
• Load/Reload to Cards

#2. Government Black Corporate Card

FAB Government Black Corporate Card is a prepaid card for registered companies in the United Arab Emirates. It is designed for making payments to specific government entities only.

The companies who work with government and need to pay to government entities frequently, are advised to get a Government Black Corporate Card to manage their government transactions.

• Card Issuance Fee: AED 25 per card
• Balance Loading/Reloading Fee: AED 5 + 5% VAT per transaction

Eligibility Criteria

All registered companies in UAE are eligible to apply for an FAB Government Black Corporate Card.

The companies must go through the KYC (Know Your Customer) or KYB (Know Your Business) Procedure to get the FAB Government Black Corporate Card.

Required Documents

• Completed Government Black Corporate Card Application Form
• Valid Emirates ID
• Company Trade License or Registration Card
• Certificate of Incumbency (if applicable)
• Proof of Address
• Official Company Letter
• Power of Attorney (POA) or Board Resolution
• Memorandum of Association or Articles of Association (if applicable)
• Completed FATCA Entities Form
• Company Bank Statements (last three months)

Government Black Corporate Card Benefits

• Card Cost is just AED 25.
• Card Validity is Five Years.
• Maximum Balance Limit is AED 10,000,000.
• Maximum Reload Amount per transaction per day is AED 75000.

Note: Cash Withdrawal – The FAB does Not allow cash withdrawals on corporate prepaid cards.

Where to Use FAB Black Corporate Card:

Once the Government Black Corporate Card is issued, the authorized person of concerned company can use the card for paying to 15 government entities in the UAE, here is the list.

1. Federal Tax Authority
2. General Head Quarter of Armed Force
3. Ministry of Community Development
4. Federal Authority for Nuclear regulation
5. Ministry of Finance
6. Telecommunication and Digital Government Regulatory Authority
7. Security and Commodity Authority
8. Emirates Health Services
9. Emirates Schools Establishment
10. Al Etihad Credit Bureau
11. Zayed University
12. Ministry of Foreign Affairs and International Cooperation
13. Ministry of Presidential Affairs
14. Ministry of Culture and Youth
15. Emirates Development Bank

In case you need to make payment to a government entity not listed above, you cannot use the Black Corporate Card for that payment.

#3. Abu Dhabi Pay Elite Corporate Card

FAB Abu Dhabi Pay Elite Corporate Card is a prepaid card for UAE registered companies. This FAB prepaid card is not for individuals, it is designed for businesses.

The business establishments (companies) can use the Abu Dhabi Pay Elite Corporate Card for Abu Dhabi government transactions as well as other merchant payments.

There is no need to open a bank account but the companies must register with full KYC to get the card as FAB does not issue any corporate card without registration.

• Card Issuance Fee: Zero
• Balance Loading/Reloading Fee: Zero
• Card Delivery Fee: AED 25 [No Charge if pick up by Applicant]

Eligibility Criteria

• All registered companies in any part of the United Arab Emirates (UAE).
• Full KYC Registration is mandatory.

Required Documents

• Completed Abu Dhabi Pay Elite Corporate Card Application Form
• Valid Emirates ID (front and back)
• Company Trade Licence/Registration document
• Certificate of Incumbency (if applicable)
• Proof of Address
• Official Company Letter
• Power of Attorney (POA) or Board Resolution
• Memorandum of Association or Articles of Association (if applicable)
• Completed FATCA Entities Form
• Company bank statement (last 3 months)

Abu Dhabi Pay Elite Corporate Card Benefits

• No Fee to Issue the Card
• The card Delivery Fee is AED 25, Card Pick up from Magnati Office is Free.
• No Fee for Loading or Reloading Balance on Card.
• No Need to open a bank account with FAB.
• 5 Year Validity with expiry date printed on the card.
• The maximum card balance limit is AED 2,500,000.
• The maximum reload amount is AED 75000 per transaction per day.
• The card can be used for Abu Dhabi government transactions and other merchant payments.

Note: Cash Withdrawal – Cash withdrawals are Not allowed with Abu Dhabi Pay Elite Corporate Card and Abu Dhabi Pay Excellence Corporate Card.

The maximum balance limit on Abu Dhabi Pay Elite Corporate Card is AED 2,500,000. If you want a higher limit, you can apply for the Abu Dhabi Pay Excellence Corporate Card as it offers up to AED 10,000,000 balance limit.

#4. RAK Pay Al Ruzmah Corporate Card

FAB RAK Pay Al Ruzmah Corporate Card is designed for companies and not for individuals. All registered companies in UAE can get the FAB Al Ruzmah Prepaid Corporate Card to do RAK Pay government transactions.

The FAB issues this prepaid card to corporate clients only. The Al Ruzmah corporate card comes with a validity of five years and it offers the maximum balance limit of AED 2,500,000.

• Card Issuance Fee: AED 30
• Balance Loading/Reloading Fee: AED 5 to AED 25 + 5% VAT per transaction

Eligibility Criteria

• All UAE registered companies are eligible to get an FAB RAK Pay Al Ruzmah Corporate Card.
• Registration with Full KYC is mandatory, the FAB does not issue any corporate card without registration.

Required Documents

• Completed Al Ruzmah Corporate Card Application Form
• Valid Emirates ID (front and back)
• Company Trade Licence or Company Registration Card/Certificate
• Certificate of Incumbency (if applicable)
• Proof of Address
• Official Company Letter
• Power of Attorney (POA) or Board Resolution
• Memorandum of Association or Articles of Association (if applicable)
• Completed FATCA Entities Form
• Company bank statement (last three months)

RAK Pay Al Ruzmah Corporate Card Benefits

• FAB issues the card easily, no need to open a bank account.
• The card has 5 year validity, the expiry date is mentioned on the card.
• The card has maximum balance limit of AED 2,500,000.
• The maximum balance loading/reloading limit is AED 75000 per transaction per day.

Notes:

• Cash Withdrawal – Please keep in mind that the Al Ruzmah Corporate Card does not have cash withdrawal feature.
• Only government transactions – The card balance can be used for RAK Pay government transactions only. It does not support other merchant payment transactions.

#5. UAQ PayBlue Corporate Card

FAB UAE PayBlue Corporate Prepaid Card is made for corporate clients only. The companies registered in the UAE, are eligible to apply for the PayBlue Corporate Card. The card has maximum balance limit of AED 10,000,000.

The PayBlue Corporate Card provides five year validity and easy balance loading/reloading facility. The companies can use this FAB prepaid card to make Umm Al Quwain government transactions in the UAE.

• Card Issuance Fee: AED 30
• Balance Loading/Reloading Fee: AED 5 to AED 25 + 5% VAT per transaction

Eligibility Criteria

• All registered companies in the UAE are eligible for the FAB UAQ PayBlue Corporate Prepaid Card.
• Registration and KYC are mandatory.

Required Documents

• Completed PayBlue Corporate Card Application Form
• Valid Emirates ID (front and back)
• Company Trade Licence or Company Registration Card
• Certificate of Incumbency (if applicable)
• Proof of Address
• Official Company Letter
• Power of Attorney (POA) or Board Resolution
• Memorandum of Association or Articles of Association (if applicable)
• Completed FATCA Entities Form
• Company bank statement (last three months)

UAQ PayBlue Corporate Card Benefits

• An Ideal prepaid card for companies to make payment to UAQ government entities in Umm Al Quwain.
• Offer maximum balance limit of AED 10,000,000 per card.
• Can reload card balance up to AED 75000 per transaction per day.
• The card has 5 year validity, expiry date is mentioned on the card.
• No need to open a bank account to get the PayBlue Corporate Card from FAB.

Notes:

• Cash Withdrawal – The cash withdrawal facility is Not available in UAQ PayBlue Corporate Card.
• Only Government Transactions – The PayBlue Corporate Card can be used for Umm Al Quwain government transactions only. You cannot use it for other merchant payments.

eDirham Cards and eDirham G2 Al Haslah Cards

As per the guidance of the Ministry of Finance (UAE), the First Abu Dhabi Bank has discontinued all types of eDirham Cards and eDirham G2 Al Haslah Cards.

So, you cannot apply for an FAB eDirham Card as it is discontinued by the FAB bank. In case you have an old eDirham Card, you can contact FAB bank Customer Service or visit the bank branch to know how to redeem the eDirham card balance.

Final Words

In this article, I have explained the top 10 FAB prepaid cards for individuals and companies in the UAE. I have shared eligibility criteria, required documents and benefits of each prepaid card offered by the First Abu Dhabi Bank.

At the end, I suggest you to check the 10 best prepaid cards above and choose the one that meets your requirements. If you have a query, contact FAB Customer Care Number 600-52-5500 or ask questions in the comment section below.

FAQs