My Pay My Card

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Most Popular Credit Card in UAE

LuLu Exchange's My Pay My Card redefines convenience and security in financial transactions. This cutting-edge card features embedded NFC technology, ensuring multiple layers of security while allowing users to effortlessly tap and pay at a myriad of retail outlets, groceries, pharmacies, restaurants, and convenience stores. With the flexibility of a debit card, users can enjoy contactless payments and manage their financial activities seamlessly.

The LuLu Money App empowers users to monitor transaction history, manage accounts, reset PINs, set usage limits, and even block or replace cards. Additionally, the card facilitates instant money transfers globally through the LuLu Money Transfer App, offering unparalleled accessibility and control.

With cash withdrawal options at various prominent banks and ATMs, including LuLu Exchange branches, Emirates Islamic Bank, Emirates NBD, and Mashreq Bank, as well as international capabilities through the Discover network, My Pay My Card is a game-changer in modern banking, prioritising user convenience and security.

Features of My Pay My Card

MyCard streamlines payroll administration by functioning as a debit card, offering convenience and accessibility. It can be used at select ATMs across the UAE and globally through the Mastercard network. In collaboration with the National Bank of Abu Dhabi, users have the flexibility to conduct transactions without the need for a traditional bank account, while also benefiting from the following features:

  • Exclusive services at LuLu outlets, including cashless remittances and cash withdrawals up to the card's available limit.
  • Full compliance with the Wage Protection System (WPS) for a secure and simple approach to payroll management.
  • An international debit card with the ability to access funds from any international ATM displaying the Mastercard logo.
  • Effortless and instant access to cash through any UAE ATM via the UAE SWITCH membership.
  • Instant payment options for shopping at various retail outlets in the UAE and internationally.

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Services Offered under My Pay My Card

The following are the services offered under LuLu Exchange My Pay My Card -

Wage Protection Scheme

  • A groundbreaking initiative committed to providing timely wage disbursements for workers and employees.
  • Completely aligning with the guidelines set forth by the Ministry of Labour and the Central Bank of the UAE.
  • Enhances employee commitment and efficiency by safeguarding their entitlements.
  • The dedicated relationship team remains accessible to customers around the clock, which serves as a singular point of contact for all assistance.
  • The support team, present in all branches, efficiently caters to the needs of WPS customers, prioritising their service.

Salary Administration

  • Streamlining payroll administration is made easy with the 'My Pay My Card' debit card, compliant with WPS standards.
  • Trusted by more than 30,000 businesses and utilised by over 400,000 employees.
  • Enjoy global service accessibility through the MasterCard network.
  • Effortlessly and instantly withdraw cash from designated ATMs in the UAE, courtesy of the UAE SWITCH membership.
  • WPS clients can also take advantage of exciting offers and benefits while sending money through the LuLu Money transfer app using their provided salary card.

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Primary Benefits of LuLu Exchange My Pay My Card

The card is equipped with NFC technology, providing multiple layers of security. This feature enables users to conveniently make contactless payments at various retail outlets, groceries, pharmacies, restaurants, and convenience stores, offering them the flexibility of using it similar to a debit card.

Here are the advantages of My Pay My Card:

  • Make contactless payments in retail stores, restaurants, pharmacies, groceries, and convenience stores.
  • View transaction history, set usage limits, reset PIN, manage your account, and block or replace the card through the LuLu Money App.
  • Instantly send money anytime, anywhere using the LuLu Money Transfer App.
  • Enjoy multiple-layer security with embedded NFC technology.
  • Withdraw cash at all LuLu Exchange branches, Emirates NBD, Emirates Islamic Bank, and Mashreq Bank ATMs in the UAE.
  • Perform international point-of-sale transactions and withdraw cash from ATMs globally through the Discover network.

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Service Charges Associated with My Pay My Card

The following are the service fee charges associated with My Pay My Card -

Country Currency Customer Charges (below AED 1,000) Customer Charges (Above AED 1,000)
India INR  17 23
Bangladesh BDT 17 23
Nepal NPR 17 23
Pakistan PKR 17 0
Indonesia IDR 17 23
Sri Lanka LKR 17 23
Philippines PHP 21 21
Egypt EGP 15.75 15.75
Morocco MAD 21 21

To learn more about My Pay My Card, go through the following frequently asked questions section.

Frequently Asked Questions

Q1. How to block the MyPay My Card?

Ans: Navigate to the "My Cards" page.

  1. Choose the "Block & Replace Card" option from the menu.
  2. In the ensuing popup, opt for the "Block" selection.
  3. On the subsequent screen, specify the reason for blocking the card.
  4. Fulfil the OTP verification process.
  5. A success message popup will appear upon successful OTP validation.
  6. This popup will present two choices: "Replace Card" and "Go to My Cards."
  7. Select the "Replace Card" option to initiate a replacement request.
Q2. How to change your My Pay My Card PIN?

Ans: Access your account

  1. Navigate to the additional options menu
  2. Select the "Change PIN" option
  3. Input both the old and new PIN
  4. Save the changes by clicking the corresponding button
Q3. How does a Salary Card work?

Ans: Utilise your My Pay My Card for instant payments without any extra charges.

  1. Access the LuLu Money Mobile app and initiate the transfer to your designated recipient.
  2. Opt for the Salary Debit Card payment option during the process.
  3. Upon confirming the transaction, you will be directed to the Payment Gateway page.
  4. Input your salary card number and verify the payment.
  5. You may be directed to a 3D secure page; enter the OTP received on your registered mobile number.
  6. After a successful payment, you will be redirected to the LuLu Money transaction receipt page, and a copy of the receipt will be emailed to your registered email address.
Q4. What is My Pay My Card?

Ans: My Pay My Card, provided by LuLu Exchange, is a salary disbursal solution designed to empower businesses and their workforce. The primary objective is to align with the Wages Protection System (WPS), a collaborative effort by the UAE Ministry of Labour and UAE Central Bank. This initiative seeks to enhance the efficiency of salary distribution, safeguarding the rights and interests of both employers and employees.

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