Are you looking for a secure and convenient way to receive your salary or make daily purchases in the UAE without a traditional bank account?

The MyPay My Card offers a modern financial solution tailored for UAE residents, especially workers under the Wage Protection System (WPS). Whether you want to shop, withdraw cash, or transfer money internationally, this card brings everything to your fingertips.

The card is powered by LuLu Exchange and comes with cutting-edge features like contactless payments, global ATM access, and a user-friendly mobile app to manage your transactions.

With full compliance under the UAE Ministry of Labour and backed by Mastercard and Discover networks, MyPay My Card empowers users to take control of their finances safely and easily.

In this detailed guide, we’ll cover everything you need to know, from features and fees to withdrawal limits and how to get started with your MyPay My Card in the UAE.

What Is the MyPay My Card in the UAE?

The MyPay My Card is a reloadable prepaid debit card developed by LuLu Exchange in compliance with the UAE’s Wage Protection System (WPS). It’s specially designed for UAE residents, particularly workers and employees who may not have access to a traditional bank account.

It operates on both Mastercard and Discover networks, which allows you to perform local and international transactions, including ATM withdrawals, purchases at retail stores, and even online shopping. MyPay My Card is ideal for managing salary payments as it integrates smoothly with payroll systems across over 30,000 businesses in the UAE.

Key functions include:

• Receiving salaries through WPS
• Making secure contactless payments
• Accessing ATMs within the UAE and abroad
• Managing card settings via the LuLu Money App
• Performing international remittances

With this card, users benefit from both convenience and compliance, making it an essential financial tool for those living and working in the UAE.

What Are the Key Features of the MyPay My Card?

MyPay My Card comes packed with features that cater to your everyday financial needs while ensuring a secure and user-friendly experience. Whether you are using it to receive your salary or shop around town, this card combines practicality with innovation.

Some notable features include:

• Contactless Payments: Tap-and-go functionality powered by NFC technology at retail outlets, groceries, and pharmacies.
• LuLu Money App Integration: Manage transactions, reset your PIN, set usage limits, block or replace your card directly from your phone.
• International Compatibility: Accepted at any ATM or POS terminal globally displaying the Mastercard or Discover logo.
• Salary Disbursement: Fully WPS-compliant and integrated with payroll systems.
• Instant Remittances: Send money globally via the LuLu Money Transfer App.
• Secure Account Access: Multiple security layers and instant alerts for every transaction.

These features ensure the card is more than just a salary receiver, it’s a complete financial companion tailored for the modern UAE worker.

What Are the Fees and Charges Associated with MyPay My Card?

Understanding the cost of using MyPay My Card is crucial before signing up. This section outlines the different types of fees you might incur when using the card.

Issuance Fees

You may be charged a one-time card issuance fee, depending on your employer’s partnership with LuLu Exchange. This fee generally covers card activation and setup.

Transaction Fees (ATM, POS, international use)

While POS transactions within the UAE are often free, ATM withdrawals and international usage may include service charges. These charges vary depending on the country and transaction amount.

Here’s a quick look at the international service charges:

Monthly Maintenance or Inactivity Fees

If you don’t use the card for a specific period, you may be subject to inactivity fees, which are deducted monthly.

Hidden Charges to be Aware of

Always review the terms and conditions during activation to avoid unexpected fees. For instance, some services like SMS alerts or card replacement may incur small charges.

Being aware of these costs helps you avoid unnecessary deductions and better manage your finances.

What Are the Transaction and Withdrawal Limits?

MyPay My Card sets various transaction and withdrawal limits to ensure safe usage and regulatory compliance. These limits differ based on transaction type and usage scenario.

Daily ATM Withdrawal Limits

You can withdraw up to a certain cap per day from ATMs in the UAE. This limit is designed to enhance security while still giving you flexible access to your salary.

• Standard daily ATM withdrawal limit: AED 5,000
• Withdrawal supported at: LuLu Exchange, Emirates NBD, Mashreq, and Emirates Islamic Bank ATMs

POS Transaction Limits

Point-of-sale payments may have soft daily or weekly caps to prevent fraudulent activity.

• POS transactions: Up to AED 10,000 per day (varies by merchant policy)
• Contactless limits per transaction: AED 500 without PIN

Reloading Limits and Caps

Reloading is usually done through your employer, but in some cases, manual top-ups are allowed.

• Monthly reload limit AED 20,000
• Reloading is not permitted via third-party platforms

Cross-border Usage Considerations

International usage is permitted but may attract extra scrutiny or charges.

• Accepted in countries where Mastercard or Discover is supported
• International ATM withdrawals are capped at USD 1,500 per month

Knowing these limits ensures you’re always within your usage boundary and keeps your account secure.

How Do You Activate and Use the MyPay My Card?

Activating and using the MyPay My Card is designed to be seamless. Once issued by your employer or LuLu Exchange, the card can be activated using the LuLu Money App or directly at a LuLu branch.

To activate:

• Visit the LuLu Money App and select “My Cards”
• Choose the “Activate Card” option
• Enter the card number and OTP received on your registered mobile
• Set your preferred 4-digit PIN

Once activated, the card is ready for:

• Salary deposits
• ATM withdrawals
• POS purchases
• Mobile app management of account settings and transaction limits

You can also reset your PIN or block your card via the app if needed. Using the card becomes a simple and secure part of your daily routine.

How Can You Get or Buy a MyPay My Card in the UAE?

Getting a MyPay My Card in the UAE is simple and usually coordinated by your employer. However, individuals can also apply directly through LuLu Exchange.

To obtain a card:

• Visit any LuLu Exchange branch
• Provide your Emirates ID and passport copy
• Fill in the KYC (Know Your Customer) form

Alternatively, your employer may register you as part of their WPS payroll system, in which case the card will be issued automatically.

Timeframe:

• Cards are typically issued within 2–3 working days
• You’ll receive an SMS with instructions for activation

This quick and efficient process ensures you have easy access to your salary and financial tools without needing a traditional bank account.

How Does MyPay Compare to Other UAE Salary Cards?

When compared to other salary cards in the UAE, MyPay My Card stands out due to its combination of features, security, and convenience. While many cards offer WPS compliance, not all provide global access, mobile app integration, and multiple banking partnerships.

Here’s how it compares:

• Chime and other salary cards: Primarily US-based, lacking UAE ATM support
• Other UAE cards: Some do not offer NFC payments or international remittance support
• MyPay: Combines global ATM usage, mobile app control, secure salary transfer, and retail payment options

Its collaboration with LuLu Exchange, Mastercard, and Discover makes it one of the most flexible and secure prepaid options in the UAE.

Is the MyPay Card Safe and Reliable to Use in the UAE?

Safety is a top priority with MyPay My Card, which includes advanced security protocols and full compliance with UAE labor regulations. The card uses NFC technology for contactless payments, reducing the risk of card skimming and fraud.

Security benefits include:

• PIN and biometric app access
• Real-time SMS and app alerts
• Option to block, replace, or reset the card via mobile
• Secure encryption during all transactions

With support from a dedicated customer service team across LuLu branches and a reputation backed by over 400,000 users, the card is trusted and widely used in the UAE. Whether you’re using it at an ATM or retail outlet, MyPay ensures your money stays protected.

Conclusion

The MyPay My Card offers a complete financial solution for UAE residents, combining convenience, affordability, and robust security. Whether you’re receiving your salary, shopping, withdrawing cash, or sending money abroad, this card makes everyday banking simple and stress-free.

Its features like NFC contactless payments, mobile app controls, and full WPS compliance make it stand out in the UAE’s competitive prepaid card market. Backed by LuLu Exchange and widely accepted through Mastercard and Discover, MyPay delivers both local and global utility.

If you’re working or managing payroll in the UAE, MyPay My Card is undoubtedly a reliable, practical choice worth considering.

FAQs

Can I use MyPay My Card outside the UAE?

Yes, the card is supported internationally via Mastercard and Discover networks. It works at ATMs and retail outlets abroad.

What happens if I lose my MyPay card?

You can block the card instantly through the LuLu Money App. A replacement can be requested at any LuLu Exchange branch.

Is there a mobile app to manage the card?

Yes, the LuLu Money App lets you control everything from transactions to PIN resets. It’s available for both iOS and Android.

How do I check my MyPay card balance?

You can check your balance via the mobile app or at an ATM. SMS alerts also help track usage and balance updates.

Can I receive my salary without a bank account using this card?

Absolutely, the card is designed to work independently of a bank account. It complies with UAE’s WPS for salary disbursement.

Are there any monthly charges for holding the card?

There may be inactivity charges if the card is unused. Regular users usually do not face monthly holding charges.

What is the maximum I can withdraw daily?

The maximum ATM withdrawal limit is typically AED 5,000 per day. Limits may vary depending on the ATM provider.