List of Best Prepaid Cards in UAE 2025

Table of Content

List of Best Prepaid Cards in UAE
Emirates NBD GlobalCash Card
Al Ansari Exchange Visa Platinum TravelCard
Emirates Islamic Prepaid Card
Emirates NBD Gift Card
NBF Tasdeed Prepaid Card
NBQ Multicurrency Prepaid Card
Sharjah Islamic Bank Sanad Prepaid Card
ADIB ISIC Prepaid Card
FAB Ratibi Prepaid Card
Benefits of Rabiti Prepaid Card
Are You Eligible for a Prepaid Card UAE?
Prepaid Cards v/s Credit Cards
Pros and Cons of Prepaid Cards
Frequently Asked Questions

List of Best Prepaid Cards in UAE

Without further ado, let’s take a look at the list of the top prepaid cards in UAE and their key benefits —

Emirates NBD GlobalCash Card

This is one of the best prepaid cards in UAE. Available in 15 different currencies, it’s accessible worldwide. Manage your card with ease via online and mobile banking from anywhere. Additionally, you get a travel protection privilege, known as Emergency Travel Assistance.

Card Issuance Fee	AED 31.5
Card Inactivity Fee	AED 15.75 per month (charged after 5 consecutive months of non-use)
Daily ATM Cash Withdrawal Limit	AED 40,000
Minimum Load/ Reload Amount	AED 500
Card Unload Fee	AED 15.75
Card Closure Fee	AED 15.75
Card Replacement Fee	AED 31.5

Features of ENBD GlobalCash Card

A multi-currency card — you can use this card in currencies like AED, USD, THB, LKR, PHP, PKR, SAR, TRY, ZAR, AUD, CAD, CHF, GBP, INR, and EUR.
Reload amount is estimated using the ENBD currency-to-currency foreign exchange rate
Use the card for online transactions via internet banking, ATM, and PoS
Reload the card via internet banking, mobile banking, cash deposit machines, and bank branches

Benefits of ENBD GlobalCash Card

You can withdraw up to AED 40,000 in cash every day
Enjoy a high daily PoS purchase limit of up to AED 80,000
The maximum amount you can loan in a year is AED 250,000

The daily cash over-the-counter limit is AED 10,000

Al Ansari Exchange Visa Platinum TravelCard

With worldwide acceptance, you can take this card with you wherever you go. Access 23 currencies on a single card and reload instantly without any hassle. Besides travel perks, the card offers exceptional deals on lifestyle expenses.

Total Load Limit	USD 16,220 or equivalent
Card Validity	5 Years

Features of Al Ansari Exchange Visa Platinum TravelCard

The card is available in 23 currencies
Manage your spending by locking in the best exchange rates
The card is Chip & PIN protected
The card has global acceptance.

Benefits of Al Ansari Exchange Visa Platinum TravelCard

Earn up to 1,000+ rewards points on card transactions
Personalise the card with your name on it
Up to 5 supplementary cards for family members
Exceptional deals and discounts on lifestyle spending

Emirates Islamic Prepaid Card

Easily manage your expenses with the EIB prepaid card in UAE and other countries. It is entirely safe to use, as the 3D features keep your transactions secure. Easily reload funds into the card via online and offline means.

First Top-Up Fee	AED 21
Balance Unload Fee	AED 15.75
Maximum Daily Transaction Limit	AED 40,000
Monthly Card Inactivity Fee (after 6 months of inactivity)	AED 15.75

Features of Emirates Islamic Prepaid Card

The card is available in AED currency
The card is accepted globally
Load your card via EIB branch, online banking, or Cash Deposit Machine
3D Secure feature keeps your transactions safe
Extended Warranty and Purchase Protection feature available

Benefits of Emirates Islamic Prepaid Card

Earn cashback on shopping with Cashbacksouk.ae
1 week free access to Lingokids Plus and 50% discount on the membership fee
Amazing Mazaya offers on shopping, dining, travel, and shopping

Emirates NBD Gift Card

As the name says, this is a virtual gift card. It’s accepted at online stores across the globe. Simply load the desired amount and email to the receiver. This card also gives you discounts on restaurant bills, leisure attractions, spas, gyms, and more.

Maximum Load Amount	AED 3,500

Features of Emirates NBD Gift Card

Acts as a virtual gift card
Instantly receive your card through the More app

Benefits of Emirates NBD Gift Card

The card is widely accepted at all online stores
Discounts at 2,000+ restaurants
Exclusive discounts with GoodTimes and Livewell

NBF Tasdeed Prepaid Card

With the NBF Tasdeed Prepaid card, you can keep your expenses under control. Pay your bills instantly, including those for Fujairah Municipality, Fujairah Finance Department, and other government services.

Standard Card Issuance	AED 10
Personalised Card Issuance	AED 15
Minimum Card Top Up	AED 50
Maximum Card Top Up	AED 250,000

Features and Benefits of NBF Tasdeed Prepaid Card

Go cashless and easily pay off your utility bills and government fees

NBQ Multicurrency Prepaid Card

Travel stress-free with this multi-currency prepaid card by NBQ. Go contactless for easy payments. Additionally, when using the card, you don’t need to enter your PIN for transactions of up to AED 500.

Daily ATM Cash Withdrawal Limit (Domestic)	AED 10,000
Daily ATM Cash Withdrawal Limit (International)	AED 5,000
Minimum Load Amount	AED 100 (if loaded in the branch) Unlimited for online reload
Maximum Load Amount	AED 55,000

Features of NBQ Multicurrency Prepaid Card

Lock in your exchange rate economically on foreign currency
The card is available in AED, EUR, GBP, and USD
Make contactless payments
Pay up to AED 500 without entering PIN

Benefits of NBQ Multicurrency Prepaid Card

The card is accepted at all VISA merchant outlets across the globe
Make secure online purchases

Sharjah Islamic Bank Sanad Prepaid Card

This is one of the best prepaid cards in UAE. It supports online and retail purchases, ATM withdrawals, worldwide accessibility, instant reloads, and more. Additionally, you can get exclusive discounts on your lifestyle purchases.

Minimum Load and Reload Amount	AED 100
Daily Load Limit	AED 10,000
Daily ATM Cash Withdrawal Limit at SIB	AED 10,000
Daily ATM Cash Withdrawal Limit at Other Banks	AED 10,000

Features and Benefits of Sharjah Islamic Bank Sanad Prepaid Card

Easy online transactions and retail purchases
Enjoy discounts on lifestyle categories across the globe
Instant and easy card reloading
Use the card for easy cash withdrawals and international purchases

ADIB ISIC Prepaid Card

The ADIB ISIC Prepaid Card is a student payment card with international recognition (130+ countries). It offers discounts in the UAE & abroad, free balance deposit/withdrawals via ADIB ATMs, and contactless features.

Daily ATM Cash Withdrawal Limit	AED 5,000
Daily Purchase Transaction Limit	AED 20,000
Card Replacement Fee	AED 25
ATM Cash Withdrawal Fee (GCC and International VISA Transactions)	AED 10
ATM Cash Withdrawal UAE Switch (Non-ADIB ATM)	AED 2

Features of the ADIB Prepaid Card

Exclusively for students
The card has global acceptance in 130 countries
Balance deposits and withdrawals are free

Benefits of the ADIB Prepaid Card

Attractive discounts globally at restaurants, shops, and other leisure activities

FAB Ratibi Prepaid Card

Ratibi is a payroll-prepaid solution for employees earning up to AED 5,000. It allows salary credits without a bank account and supports global POS/ATM use. Moreover, it does not have any minimum balance or monthly maintenance fee requirements.

Features of Rabiti Prepaid Card

Exclusive card to pay salaries to employees earning up to AED 5,000
Receive salary directly to the card without needing a bank account
24/7 free access to the network of CDMs and ATMs
Free SMS alerts on every salary credit
Easily use the card for online transactions and in-store purchases

Benefits of Rabiti Prepaid Card

Complimentary personal accident insurance

FAB Prepaid Gift Card

The FAB Prepaid Gift Card lets your loved ones enjoy shopping, dining, and entertainment wherever Visa cards are accepted. It is easy to access, as the KYC is not required for verification.

Features and Benefits of FAB Prepaid Gift Card —

Use the card for gift or incentive purposes
No KYC is required for the cardholder
Maximum loading balance is AED 3,500
Ideal for company staff and suppliers
Personalise the card with your company name or logo
Funds are loaded from corporate accounts or preloaded with predetermined value for instant issuance

Are You Eligible for a Prepaid Card UAE?

A prepaid card is suitable for all individuals, irrespective of whether you’re a student, non-salaried, or salaried. Both UAE nationals and residents are eligible to apply.

Prepaid Cards v/s Credit Cards

So what’s the difference between a credit card and prepaid card in Dubai? Check out the table below —

Factors	Prepaid Card	Credit Card
Definition	This card needs to be preloaded with money before use. You can only spend the amount loaded.	With this card, you borrow money up to a set credit limit and repay it later.
Eligibility	Usually easy to get Minimal documentation No credit history check required	Requires Salary proof Credit history check Approval from the bank
Approval Process	Quick and simple — available instantly from banks, exchange houses, or online	Long process — bank approval may take a few days after verification
Spending Limit	Limited to the amount preloaded	Based on the assigned credit limit by the bank, often higher than prepaid
Credit History Impact	Does not affect or build your credit score	Directly impacts credit score — timely payments improve it, missed payments lower it
Repayment	No repayment needed, you only spend what’s loaded	Monthly repayment required (full or partial). Interest applies on unpaid balances.
Fees and Charges	Low or no annual fees — may have reload fees or ATM withdrawal fees	May have annual fees, late payment charges, interest rates, and foreign transaction fees
Suitable Individuals	Best for students, low-income earners, expats without credit history, or those who want to control spending	Best for salaried individuals, frequent travellers, big spenders, and those who want rewards and credit-building

Pros and Cons of Prepaid Cards

Pros of Prepaid Cards Dubai	Cons of Prepaid Cards in UAE
Easy to Get — No credit checks are needed, while salary requirements are not strict either. Anyone can get these cards, including students and low-income earners. Budget Control — You can only spend what’s loaded. This is a great way to manage expenses and steer clear of debt. Safe for Online Transactions — These cards protect your main bank account details while shopping online. No Risk of Debt – Unlike credit cards, there’s no borrowing. Thus, there’s no chance of interest or late payment penalties. Widely Accepted – Just like credit or debit cards, they can also be used for shopping, travel bookings, subscriptions (Netflix, Amazon, etc.), and at ATMs worldwide (if it’s Visa/Mastercard). Instant Approval & Availability – These cards can be issued quickly by banks, exchange houses, or even online apps. Travel-Friendly – Many prepaid cards allow foreign currency loading, reducing exchange rate risks while travelling abroad. Good for Gifting/Allowances – Some of these cards can be used to give allowances to children with spending control.	No Credit Building – Unlike credit cards, the usage of these cards does not improve your credit score. Limited Benefits – No cashback, air miles, or rewards is available with these cards. Fees Apply – Some cards have reload fees, ATM withdrawal charges, or monthly maintenance fees. Spending Limit – Your limit of transactions is restricted to the preloaded balance. Thus, they are not suitable for emergencies or large purchases. No Buy-Now-Pay-Later Facility – You cannot defer payments or enjoy interest-free grace periods. Less Prestige & Perks – No access to airport lounges, travel insurance, concierge services, and more, which many premium credit cards offer. Expiry & Dormancy Fees – Some cards may expire or charge inactivity fees if not used for a certain period.

Pros of Prepaid Cards Dubai

Cons of Prepaid Cards in UAE

Easy to Get — No credit checks are needed, while salary requirements are not strict either. Anyone can get these cards, including students and low-income earners.
Budget Control — You can only spend what’s loaded. This is a great way to manage expenses and steer clear of debt.
Safe for Online Transactions — These cards protect your main bank account details while shopping online.
No Risk of Debt – Unlike credit cards, there’s no borrowing. Thus, there’s no chance of interest or late payment penalties.
Widely Accepted – Just like credit or debit cards, they can also be used for shopping, travel bookings, subscriptions (Netflix, Amazon, etc.), and at ATMs worldwide (if it’s Visa/Mastercard).
Instant Approval & Availability – These cards can be issued quickly by banks, exchange houses, or even online apps.
Travel-Friendly – Many prepaid cards allow foreign currency loading, reducing exchange rate risks while travelling abroad.
Good for Gifting/Allowances – Some of these cards can be used to give allowances to children with spending control.

No Credit Building – Unlike credit cards, the usage of these cards does not improve your credit score.
Limited Benefits – No cashback, air miles, or rewards is available with these cards.
Fees Apply – Some cards have reload fees, ATM withdrawal charges, or monthly maintenance fees.
Spending Limit – Your limit of transactions is restricted to the preloaded balance. Thus, they are not suitable for emergencies or large purchases.
No Buy-Now-Pay-Later Facility – You cannot defer payments or enjoy interest-free grace periods.
Less Prestige & Perks – No access to airport lounges, travel insurance, concierge services, and more, which many premium credit cards offer.
Expiry & Dormancy Fees – Some cards may expire or charge inactivity fees if not used for a certain period.

In a Nutshell

Prepaid cards in the UAE are suitable for those who want security, convenience, and control over their spending. Unlike credit cards, they don’t involve debt or interest charges.

The best prepaid cards in the UAE offer features like multi-currency support, online shopping safety, and global acceptance through Visa or Mastercard. Although they don’t provide rewards or credit Score benefits, they are a budget-friendly option to make safe transactions.