e& money Card

The e& money Card is a Mastercard payment card linked directly to the balance in an e& money wallet in the United Arab Emirates. It can be used for ecommerce, international transactions and in-store purchases wherever Mastercard is accepted.

Eligible customers receive a virtual card after completing full registration. A physical card can also be ordered for users who want conventional point-of-sale and ATM access.

The card is not a credit card. Purchases are limited to the money available in the e& money account, making it closer to a prepaid or wallet-linked debit product. e& money also supports Apple Pay, Google Pay and Samsung Pay for eligible cardholders.

The e& money Card is not a credit card. e& money's Key Facts Statement says users can only make purchases up to the amount held in their e& money account.

In practical terms, the card behaves like a wallet-linked prepaid or debit payment card: you load or receive money into the e& money wallet and card transactions reduce that available balance. There is no revolving credit line or ordinary credit-card debt to repay.

This structure can make budgeting straightforward, but insufficient wallet funds will cause transactions to be declined. Users should therefore check the available wallet balance before relying on the card for a large purchase.

e& money currently advertises real-time 1% cashback on card purchases. The reward is one of the main benefits highlighted on its card and Help pages.

Cashback eligibility is subject to the current rewards terms, merchant classification and any programme exclusions. Users should therefore not assume that every movement of money or cash-like transaction qualifies in the same way as an ordinary retail purchase.

For comparison purposes, the published headline rate is 1%. Because e& money can run separate promotions and rewards campaigns, check the app's current rewards section for any temporary bonuses or category-specific conditions.

The virtual e& money Card is currently free for fully registered eligible customers. e& money lists the physical card at AED 25 plus applicable VAT.

The card's cost should be separated from transaction charges. Domestic UAE ATM withdrawals currently cost AED 2, while international ATM withdrawals cost AED 20. International card transactions can carry a fee of up to 2.5%.

Wallet funding can also have costs depending on the method. Bank-account and debit-card top-ups are currently listed as free, while credit-card top-ups use a tiered fixed-fee schedule based on the amount loaded.

The physical e& money Card supports ATM cash withdrawals. The current Key Facts Statement lists a fee of AED 2 for withdrawals at ATMs in the UAE and AED 20 for international ATM withdrawals.

An ATM operator can impose its own surcharge independently of e& money. Currency conversion can also affect the final amount when cash is withdrawn outside the card's normal settlement currency.

Because the international fixed fee is relatively high for small withdrawals, travellers may prefer fewer, larger cash withdrawals where appropriate. Always review the ATM's own fee and conversion offer before confirming the transaction.

e& money's current Key Facts Statement lists international card transaction fees of up to 2.5%. The exact amount can depend on the transaction and applicable card terms.

This is separate from any conversion offered by the merchant or ATM. If a foreign terminal offers dynamic currency conversion, the merchant's exchange rate can add another layer of cost.

For frequent international travellers, the card's global Mastercard acceptance is useful, but the potential 2.5% international transaction charge should be compared with travel cards that advertise zero own FX markup. Check the final amount shown for the transaction whenever possible.

Yes. e& money states that its card is ready for Apple Pay, Google Pay and Samsung Pay. Eligible users can add the card to a compatible phone or wearable and make contactless payments without presenting the physical card.

This is particularly useful because fully registered customers automatically receive a virtual card. Mobile-wallet support allows that digital card to be used at compatible physical merchants as well as online.

Wallet availability can depend on device, region and card configuration. Adding the card to a mobile wallet does not change the underlying e& money balance, cashback rules or transaction fees.

The e& money Card is tied to an e& money account in the UAE. e& money says every customer who completes full registration, including Emirates ID scanning and face verification, automatically receives a virtual card.

That makes the product primarily relevant to eligible UAE residents with the required identity documentation rather than a globally open crypto-card application.

A physical card can then be requested separately. Account and product eligibility can change with regulatory requirements, so users should complete the official e& money onboarding process before assuming the card is available to them.

Yes. e& money requires full registration before automatically issuing the virtual card. Its public card FAQ specifically refers to Emirates ID scanning and face verification as part of that process.

The identity checks are part of the regulated wallet and payment-account onboarding rather than an optional card feature. Users who have not completed full registration should not expect unrestricted access to the card.

Only submit identity documents through the official e& money app or website. Verification requirements can be updated, so the live onboarding flow should be treated as the final source for the information and documents required.

The card spends from the balance in the e& money wallet, so users first fund or receive money into that account. e& money currently lists bank-account and debit-card wallet top-ups as free.

Credit-card top-ups use a tiered fixed-fee schedule. For example, the current Key Facts Statement lists AED 6.99 for smaller credit-card top-ups below AED 500, with higher fixed fees as the amount increases.

Because the card is balance-backed, having insufficient funds in the wallet will cause a purchase to be declined. Users should compare top-up methods before funding because the cost differs substantially between debit/bank and credit-card routes.

Yes. e& money says the card can be used wherever Mastercard is accepted, both locally and internationally. It supports ecommerce, in-store purchases and international transactions.

International use can involve additional charges. e& money's current Key Facts Statement lists international card transaction fees of up to 2.5% and international ATM withdrawals at AED 20.

The card can therefore be practical for occasional travel, but users who spend heavily abroad should compare the total FX and ATM costs with specialist travel cards. Merchant and Mastercard restrictions can also affect individual transactions.

Yes. e& money offers both virtual and physical card access. Fully registered eligible customers receive the virtual card, while a physical version can be requested separately.

The current public card page prices the physical card at AED 25 plus VAT. The physical version is useful for conventional point-of-sale purchases and ATM cash withdrawals.

Users who mainly pay online or through Apple Pay, Google Pay or Samsung Pay may not need the physical card immediately. The virtual card contains the normal card number, expiry date and CVC for ecommerce payments.

Yes. The physical e& money Card can be used to withdraw cash at compatible ATMs. e& money's Help Centre describes cash withdrawal as a feature of the physical card.

The current published fee is AED 2 for UAE ATM withdrawals and AED 20 for international ATM withdrawals. The ATM operator may add a separate surcharge.

The virtual card alone is primarily designed for online and mobile-wallet payments, so users who need conventional ATM access should order the physical version. Always check the available wallet balance before withdrawing because the card cannot spend beyond the money held in the account.

Download or open the official e& money service, create an account and complete full registration. The public FAQ says this includes scanning an Emirates ID and completing face verification.

Once full registration is approved, eligible customers automatically receive a free virtual e& money Card. A physical version can then be requested for AED 25 plus VAT under the current pricing.

The card can be used online immediately once active and can be added to supported mobile wallets. Users who want ATM access should request the physical card because ordinary cash withdrawals require it.

The e& money Card is most attractive to eligible UAE users who already want the e& money wallet. The virtual card is free, the physical card is inexpensive and the current programme advertises 1% cashback on card purchases.

It also supports Apple Pay, Google Pay and Samsung Pay and can be used internationally through Mastercard. The main drawbacks for travellers are international transaction fees of up to 2.5% and the AED 20 international ATM withdrawal fee.

For domestic UAE spending, the combination of free virtual issuance and cashback can be competitive. For frequent foreign-currency spending, users should compare the total international costs with lower-FX alternatives.