How to Apply for MyPay MyCard in UAE

Finance

By UAE Script StaffPublished On: July 27, 2026

MyPay MyCard Also known as MyPayMyCard is an UAE salary card linked with the Wage Security System. It permits employees who are eligible to pay their wages electronically and to access their wages by using a payroll debit card.

The most important thing to be aware of is that employees don’t have the option of applying for MyPay MyCard independently. It is a payroll solution that is linked to the employer. Your business must use the LuLu Exchange WPS payroll service and provide the information of your employees before the card is issued.

Who Can Get MyPay MyCard in the UAE?

The eligibility to apply for MyPay MyCard mainly depends on the employer you work for. You could be eligible if your employer:

Are you registered with The UAE Wage Protection System
Utilizes LuLu Exchange for wage and pay administration.
Provide your employee and payroll details.
Completes the identification and verification process.

The first step is to reach out to your company’s human resource department or the payroll department. Find out if your salary is paid via MyPay MyCard.

If an employer doesn’t make use of this payroll service the employee will typically not be able to obtain the card using an additional personal application.

Documents You May Need

The exact requirements will vary according to your employer or payroll arrangement as well as your the current compliance processes. You could be required to submit:

A valid Emirates ID.
Passport details or UAE Residence specifics
An active UAE mobile number
Information on labour or employee information
Details about the salary and job description
A completed pay-roll or card form

Check all your personal information, such as name, ID number and mobile number as well as your details about your employment are correct. The incorrect or expired information may delay verification and card issue.

Your HR department is responsible for providing the list of all required documents.

How to Apply for MyPay MyCard in the UAE

Step 1: Contact Your Employer

Contact your HR department or payroll department and inquire whether your company is using the LuLu Exchange MyPay MyCard program.

Make sure you know which documents or forms you have to fill out. It is also important to know what and where the completed form can be handed out.

Step 2: Employer Completes WPS Registration

Employers must follow the required WPS along with corporate onboarding procedure. This typically involves choosing an authorized payroll service and signing the appropriate contract and preparing details on salary.

Employers are accountable for providing information on employee salaries to the appropriate WPS process.

Step 3: Submit Your Employee Information

You must provide your identity and details about your employment for your company. Your HR or payroll department will include the information in the payroll records of your company and verify it.

Make sure you check every detail before you submit. A small error in you Emirates ID and your employment record can cause delays.

Step 4: Wait for Card Processing

Once the data has been confirmed, the request for card-issuance is processed.

The Key Facts statement of LuLu Exchange provides an issuance turnaround of between 10 days for MyPay MyCard-FAB Mastercard. The actual processing time may be contingent on the accuracy of the document, verification and the onboarding status of the employer.

Step 5: Receive and Activate Your Card

The card can be issued via your employer or any other authorized collection channel.

When you have received it, you must follow the instructions to activate your card securely that came on the card. Don’t activate the card using non-official websites, messages that are not authentic or websites that are not verified.

Step 6: Protect Your Card Details

Make sure that your PIN the password, password, one-time password, and card security code secret. Don’t share them with coworkers or agents or anyone else who claims that they require the details to pay your salary.

The loss or theft of a card or any transaction that is not authorized should be immediately reported.

MyPay MyCard Fees and Charges

The most current Key Facts Statement contains the following fees for the MyPay MyCard -FAB Mastercard:

Card issue: AED 10 maximum
Replacement of the card AED 20
Renewal after 5 year period: AED 3
Refunds in LuLu Exchange branches: free
International ATM withdrawals: fees could be charged

The statement also mentions that the initial two monthly withdrawals at FAB ATMs could be free of fees. The charges listed may vary and could not include VAT.

Always check the most up-to-date Key Facts Statement or speak with your employer prior to making a decision based on a specific cost.

What to Do After Receiving MyPay MyCard

When you activate the card, ensure that your personal information are accurate. Find out how to verify your balance, look over transactions make cash withdrawals and use the card for making payments.

Make sure your mobile number is active to receive security and transaction alerts. Make sure you check your balance following each payment to your salary.

Inform your employer of any salary that is missing, an incorrect amount, a unapproved withdrawal, or any other irregularity to your employer or an authorized customer support channel as quickly as is possible.

Conclusion

Application to apply for MyPay MyCard in the UAE typically is done through your employer, not an online application.

Make contact with the HR department, fill in exact information regarding your employee and identification then wait for the employer-directed request to be processed, and then activate the card after receiving it. Before you apply, confirm the most current documents as well as the processing time, fees and arrangements for collection through your company as well as LuLu Exchange.

FAQ’s

Do I have to Apply myself for MyPay MyCard myself?

The majority of times, it is it is not. Your employer typically initiates the request via their WPS Payroll service.

Does MyPay MyCard a credit card?

No. It’s a payroll debit card for receiving and spending the salary funds.

Do I require a private bank account?

MyPay MyCard is designed to be able to receive salary payments via the employer’s payroll arrangement.

How long will card issuance take?

The stated processing time can be up to 10 days working day for FAB Mastercard version.

How much is MyPay MyCard charge for issuance?

The maximum charge for issuance is AED 10 including VAT, subject to change.

What documents are needed?

Employers can request Emirates ID address, details of your residence, mobile number, as well as employee information.

How do I activate MyPay MyCard?

Follow the secure activation guidelines included when you receive your card.

Can I withdraw cash with the card?

Yes. There are several withdrawal channels to choose from, but charges and daily limits can differ.

Is it possible to use MyPay MyCard be used outside the UAE?

International usage may be possible however, currency conversion and usage charges could apply.

Do I need to do in the event that my credit card has been stolen?

Make it known immediately and request for the credit card to be removed or substituted.

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