All about the E-Dirham card in the UAE | Greatdubai
All about the E-Dirham card in the UAE
Benefits of E-Dirham: Simplified and Convenient Payments
How Can You Recharge E-dirham Cards?
Overview
The e-Dirham has been around for over two decades, but the G2/G3 e-Dirham takes it to the next level. The UAE Ministry of Finance introduced the e-Dirham system in 2001 to make it easier and more secure to pay for government and non-government services.
Since then, the system has kept improving. In 2011, the second generation (G2) e-Dirham was launched, which brought in new and easier-to-use Al Haslah e-Dirham prepaid cards. Moreover, it offers a wide range of electronic payment services.
Now, with, e-Dirham mobile app, cardholders can create an e-wallet to store money for future payments. This system is efficient and convenient. It eliminates the need to carry a lot of cash and reduces the risk of going into debt with traditional credit cards.
Benefits of E-Dirham: Simplified and Convenient Payments
The major perks of E-Dirham card UAE includes
Easy and Fast Payments Worldwide
E-Dirham, just like a credit card, offers a convenient way to make quick payments no matter where you are. With various card options available, you can choose the one that suits your needs and spending limits.
Accessible and Simple to Obtain
Unlike credit cards, you don't need a bank account to own an E-Dirham card. These cards are widely available across the country. Obtaining an E-Dirham card is easier and more straightforward compared to getting a credit card.
Financial Management and Avoiding Debt
In the UAE, there are numerous tempting shopping opportunities that can lead to overspending and debt. Traditional credit cards make it easy to forget your financial limitations. It also indulges in luxury purchases beyond your means.
To avoid falling into the debt trap, the pre-loaded E-Dirham card serves as a reminder to stay within your spending limits. By reloading your Al Haslah card with a specific amount, you are encouraged to carefully consider your purchases. That means, you can prioritize your needs over wants.
Effective Money Management
E- dirham cards can be advantageous, depending on the type of card you choose. They can tie up a significant amount of your money unnecessarily, instead of earning interest for you. To address this, it's recommended to maintain a minimum e- dirham balance on your prepaid card and top it up whenever necessary. This way, you can make the most of your money while using the E-Dirham card.
Banks partnered with E-Dirham
Following are the major banks partnered with E-Dirham
- FAB e-dirham
- CBD e-dirham
- ADIB (Abu Dhabi Islamic Bank)
FAB e-dirham
FAB, as a key partner, has integrated E-Dirham into its digital banking infrastructure. It allows the customers to easily access and utilize E-Dirham services through their FAB balance check accounts. The seamless integration of E-Dirham within the FAB banking ecosystem. So. It enables efficient transactions and fosters a cashless payment environment.
CBD e-dirham
CBD is a major player in the UAE's banking landscape. It has also partnered with E-Dirham. By leveraging this collaboration, CBD customers can enjoy the benefits of E-Dirham's secure and efficient payment solutions. Whether it is government fee payments or transactions within the corporate and retail sectors, CBD customers have access to a seamless payment experience powered by E-Dirham.
ADIB e-dirham
ADIB is known for its Islamic banking principles, and has established a strategic alliance with E-Dirham. It caters to the specific needs of its customer base. By integrating E-Dirham into its offerings. ADIB provides a Sharia-compliant digital payment solution that aligns with the ethical guidelines of Islamic finance. This collaboration empowers ADIB customers to conduct their financial transactions conveniently, securely, and in accordance with their faith-based preferences.
Through these partnerships, FAB, CBD, and ADIB have reinforced their commitment to leveraging technological advancements to deliver innovative payment solutions to their customers.
Services offered by E dirham
E- dirham UAE card offer the following services to the users:
Comprehensive Payment Options
UAE E dirham card offers a wide range of payment options, ensuring convenience and flexibility for users. Whether you have a prepaid card or a credit card, E dirham card registration provides comprehensive payment solutions to meet your needs. By utilizing E dirham's services, individuals and businesses can easily and securely make payments using their preferred payment method.
Multiple Channels for Payment
E dirham understands the importance of providing diverse payment channels to accommodate different preferences. Through E dirham, users can make payments for subscribed entities. They can use various card types, including Visa and Mastercard. Whether you prefer making payments in person at a counter or conducting transactions online, E dirham supports multiple channels.
Secure Online Payments and E-commerce
With E dirham, online payments and e-commerce transactions are conducted with utmost security. The payment gateway provided by E dirham ensures a safe and protected environment. Users can confidently carry out FAB e-dirham transactions and on the internet, knowing that their sensitive information is safeguarded. E dirham prioritizes privacy and security, creating a secure space for seamless e-commerce activities.
E-dirham Card Categories
Red E-dirham Card
The Red E-dirham card is a hassle-free solution that allows you to conveniently load and reload funds while keeping track of your expenses. Valid for one year from the initial loading date, this card offers a seamless experience at an affordable price. With transaction fees approved by Ministries and Federal authorities, you can enjoy cost-effective financial transactions. The best part is that you don't need a bank account to benefit from this card.
Issued in collaboration with the Ministry of Finance, the Red E-dirham card is widely accepted by UAE ministries and Federal offices. Additionally, you can easily withdraw cash from any ATMs/CDMs with registered cards. To reload your card, various options are available.
Eligibility for Red E-dirham Card
- Available for all UAE visitors and residents.
- UAE citizens need to submit a valid Emirates ID and passport.
- Expatriates require a valid passport, UAE residence visa, and valid Emirates ID.
Blue E-dirham Card
The Blue E-dirham card is a versatile payment solution that offers a range of features and benefits. Priced at AED 12, it provides an affordable option for individuals in the UAE. Users of this card enjoy reduced transaction fees when conducting transactions at Ministries and Federal authorities. The card has a validity period of two years and does not require a bank account. This accessibility is convenient for users.
Additionally, the Blue E-dirham card operates in partnership with the Ministry of Finance. It ensures acceptance at UAE ministries and Federal government offices. Registered users can make purchases anywhere the VISA logo is visible, including online transactions. There are fees associated with reloading the Blue E-dirham card, depending on the chosen method.
Eligibility for Blue E-dirham Card
- UAE citizens need to provide a valid passport and Emirates ID to obtain the Blue E-dirham card.
- Expatriates require a passport, residence visa, and valid Emirates ID.
- This card is available to all UAE residents, ensuring accessibility for a wide range of individuals.
Silver E-dirham Card
The Silver E-dirham Card offers a range of features that make it a convenient payment solution. This card provides a cost-effective option for individuals. One of its key advantages is the reduction of transaction fees at Ministries and Federal government authorities. It helps the users save money on their transactions.
Moreover, this card is personalized and does not require a bank account. It comes with an expiry date of 3 years, ensuring its longevity and usability. Accepted by the UAE ministries and Federal government authorities, the Silver E-dirham Card can be used for online purchases anywhere Visa is accepted. Moreover, it provides the users with flexibility and convenience in their transactions. When it comes to fees, there are different options for reloading the card.
Eligibility for Silver E-dirham Card
- Available for UAE companies.
- UAE citizens need to submit a valid passport and Emirates ID.
- Expats need to submit a valid Emirates ID, passport, and residency visa.
- Required documentation includes registration documents of the company, power of attorney or trade license.
- The cardholder's signature is also required.
- A colored photograph of the cardholder is necessary.
Green E-Dirham Card
The Green card offers several key features to its users. it provides a cost-effective solution for individuals seeking its benefits. By using the Green card, transaction fees are significantly reduced when dealing with Ministries and Federal government authorities, making it a convenient choice for such interactions. Furthermore, this card is personalized and does not require a bank account. The Green card comes with a validity period of three years.
Regarding fees, different reloading options are available for users of the Green card. If the card is reloaded using the branch CDMs (Cash Deposit Machines), a fee of AED 2 is applicable. On the other hand, reloading the card at the FAB, (First Abu Dhabi Bank) branch incurs a slightly higher fee of AED 8. Alternatively, if users choose to reload their card through distribution channels, a fee of AED 4 is charged.
Eligibility for Green E-Dirham Card
- The card is available for all residents of the UAE.
- UAE citizens are required to submit a valid passport and Emirates ID as documentation.
- Expatriates need to provide their passport and a valid residency VISA.
- Additionally, applicants should provide the card holder's signature and a colored picture for identification purposes.
How Can You Recharge E-dirham Cards?
If you're looking to recharge or top up your E-dirham cards, follow these simple steps. Please note that debit cards or your account can be used for this purpose, while credit cards are not accepted.
- Visit the official E-dirham website.
- Navigate to the "Card Top-Up" section.
- Fill out the form provided, which requires the following details:
- Card number
- Payment method
- Top-up amount
- Passcode
- Email address
- Email confirmation
By providing the required information accurately, you can easily recharge your E-dirham cards through the official website or App.
Blue and Red Cards Registration
- Visit the E-dirham website.
- Log in to the website using your login and passcode.
- Select "Short Register" from the Account Services section on the homepage.
- Enter the required information, such as the cardholder's name and mobile number.
- Click "Submit" to complete the process.
- Alternatively, you can contact the G2 call center to undergo short registration by answering validation questions.
Gold Card Registration
- Access the G2 E-dirham website.
- Click on "Apply for Gold Card."
- Select the appropriate type of application.
- Enter the required information and upload scanned copies of essential documents.
- For an individual card, upload scanned documents such as the cardholder's original ID (passport, EIDA, Emirates driver's license), colored picture of the card, and the cardholder's signature.
- For a corporate card, upload scanned documents such as the cardholder's valid original ID, passport-size photo, cardholder's signature, and registration documents of the company.
- Additionally, you can choose to register in collaboration with FAB by submitting the necessary documents. It includes the cardholder's original ID, passport-size photo, and the cardholder's signature for an individual card. Moreover, the cardholder's passport-sized photo, signature, and registered company documents for a corporate card is also needed.
Conclusion
E-dirham represents a remarkable technological advancement in the UAE, enabling you to make payments with unparalleled flexibility. This innovative system offers a wide range of services that ensure round-the-clock convenience and numerous benefits for your financial transactions. To get more information visit: GreatDubai.com
FAQs
How do PIN-based transactions work?
All eDirham G3 cards have chip-enabled technology, requiring authorization using a 4-digit PIN for any transaction performed at a Point-of-sale.
Where can I get CBD eDirham cards?
You can apply for CBD eDirham cards through CBD.ae and Exchange house branches (available soon). Once successfully applied, the card will be delivered within 7-10 working days to the registered address mentioned in the application.
How can I top-up the cards?
The cards can be topped up through multiple channels such as CBD.ae, Exchange outlets, and fund transfer via UAEFTS. Existing CBD wholesale banking customers can also top-up through the corporate online banking platform.
How to check the balance on your e-card?
You can check the card balance by sending an SMS to 4266 or by logging into the eDirham Instant App.
How do I raise a dispute on the eDirham card?
To raise a dispute or initiate a chargeback on the eDirham cards, contact the customer support centre. The agent will authenticate your request, register the complaint, and provide a reference number for future tracking and closure.
How do e- dirham transactions work?
All eDirham cards are equipped with contactless technology. It allows the payments of up to AED 300 to be made by tapping the card.
What documents do I need to apply for the cards?
For all cards, you need your Emirates ID. Additionally, for Gold cards, you would need a Passport/Visa copy, and for Signature cards, you would need a Trade License.
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