Getting started

You can start using your prepaid Jade Pay MasterCard® immediately. You will need to enter the 4-digit PIN for each transaction. Find your card’s default PIN number beneath the scratch panel inside the pack. If you wish to reset the PIN please contact our 24-hour Customer Service on +971 4 870 6565, the new PIN will be sent to your registered email.

How to use your card

Your spending

Spend worldwide with your prepaid Jade Pay MasterCard®. Use it like any other debit or credit card wherever the MasterCard® logo is displayed. You can also use it to shop online or pay your bills. Use it at ATMs to withdraw money wherever you are in the world.

In order to benefit from a promotion you must pay with your Jade Pay MasterCard®.

Check your balance
Online via
  • Log in to your account by clicking on the Manage my card.
  • Follow the steps to create your username and password.
Or call

24-hour Customer Service +971 4 870 6565.

Reloading your card

Reload your card in person at our dedicated sale and reload locations in the UAE. Find out more.

Report a lost card

Report your lost, stolen or damaged card to our 24-hour Customer Service on +971 4 870 6565 or email

Online purchases

When you make an online purchase, the name, address, and phone number you use will need to be exactly the same as the information you provided when registering your card in order to avoid declines. Please refer to the activation receipt.

Online shopping sites usually request your card’s security code, CVV or CVC number. This number can be found on the back of the card as shown in the image below.

Limits and fees

The information in this chart is the key feature of our product and forms an integral part of our terms and conditions.


The Jade Pay card has the following limits:


Limits AED

Minimum load


Maximum load allowed per credit load/recharge


Maximum balance at any time


Maximum value to be loaded over 30 days


Maximum value to be loaded in any 12-month period


Card Validity

1 year

Grace Period

1 month

We may lower the limits specified above for some or all of the users at our sole discretion.


Card Fees

Limits / Fees AED

Card Issuing Fee


First load fee


Reload fee


Decline fee


Transaction Charges

Online purchase over AED 30.01


Online purchase under AED 30


POS Domestic


POS International


ATM Domestic


ATM International


ATM balance inquiry Domestic


ATM balance inquiry International


ATM withdrawal limit


Monthly maintenance fee


Balance enquiry by phone


Online balance enquiry


Lost / Stolen / Expired card fee

Card replacement



Depending on your collection method

Reactivation fee (within the grace period)


Extend card validity


Loading and reloading your card

Your Jade Pay card can be reloaded at the location of initial purchase and the other locations mentioned on the website. You can reload using cash, debit or credit card depending on merchants. The reload fee will be deducted from your card balance.

Daily ATM withdrawal limit

Your daily withdrawal limit is AED 10,000 per day. There may be limits set by different ATM operators on the amount of cash that may be withdrawn from one or more of their ATMs on a given day and these limits may be below the limits set in these Terms and Conditions. Additionally, some ATM operators may impose a surcharge when you use their ATM to make a withdrawal. Keep this in mind when using ATMs.

Replacement fee for lost/stolen cards and card renewal

Our replacement fee is just AED 32. Courier charges will be charged to the user as applicable. Charges will vary depending on your location and the speed of courier services.

Foreign currency surcharge

Our foreign currency surcharge is only 3.5%.

Balance enquiry

You can obtain an up-to-date balance of your card by calling our 24-hour Customer Service on +971 4 870 6565 (fee AED 1) or click here to Manage my card (free service). Some ATMs may have additional fees.

PIN replacement

You can request a PIN replacement through the Customer Service please call +971 4 870 6565.

If the incorrect PIN is entered 3 times the card will be blocked. You need to call to the customer service center to unblock the card.

Redeeming unspent funds on an invalid card

You have a card validity period of 12 months from loading to spend the funds on your Jade Pay card. After this time your card will become invalid. You can also extend the account to 2nd or 3rd year for a fee of AED 30 per year.

We do however offer a one-time grace period of 30 days, which gives you the opportunity to redeem any unspent funds stored on your Jade Pay card by re-activating your card. After this grace period you will not be able to reactivate your card or retrieve any unspent funds.

Contact our 24-hour Customer Service Advisor on +971 4 870 6565 and your funds can be transferred to your new Jade Pay card. A replacement and reactivation fee of AED 32 will be deducted from your balance.

Please note that a monthly account maintenance fee of AED 15 will be deducted from your Jade Pay at the end of each month during the grace period, until you contact us to replace and reactivate your card.

Security check

If you need us to verify the security of your card for a fraud check:

  • and your verification fails, you will be charged AED 200.
  • If your security check verification supports your claim, the validation interbank fee is only AED 60.