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What is E-Dirham?

The Ministry of Finance (MOF) of the UAE in 2011 launched an electronic tool for the Federal Government via Prepaid Cards to develop a system of electronic channels and digital payment gateways to collect service fees and revenue. This includes service fees collected from both public as well as private sector.

The MOF in 2011 came up with the G2 system of e-Dirham which is combined with the world-class payment networks and schemes via e-Government applications. This cards are configured for payments via mobile phones, online payment applications and electronic collection from different payment channels.

Features and details of E-dirham :

The e-dirham is one of the largest and most efficient system of collection of charges for services for both governmental and non-government units. Following are the features of the same:

  • low-cost
  • fixed fees for services
  • payment through mobile
  • e-wallet
  • vouchers
  • compatible with visa and master cards
  • Al Haslah cards offer discount on service fees
  • a person doesn’t require to have a bank account for the same
  • prepaid cards with easy reload facility

Different e-Dirham cards :

Basis Blue Al haslah

Card

Red Al haslah

card

Gold Al haslah

card

Green Al haslah

card

Silver Al haslah

card

Requirement of Bank account NO
Requirement of registration NONORegistration requiredRegistration requiredRegistration required
Place of purchase All FAB (first Abu Dhabi bank) branches in UAE.All FAB (first Abu Dhabi bank) branches in UAE.All FAB (first Abu Dhabi bank) branches in UAE

OR

It can also be purchased online through the website given below:

https://www.edirhamg2.ae/en/ApplyPLC.html

 

All FAB (first Abu Dhabi bank) branches in UAE.All FAB (first Abu Dhabi bank) branches in UAE.
Time of Card availability to customer Available at purchaseAvailable at purchaseFrom the date of customer registration the card will be made available within 5 working days. Need to visit FAB to receive card or courier facility available.From the date of customer registration the card will be made available within 5 working days (Provided documents are correct). Need to visit FAB to receive card or courier facility available.From the date of customer registration the card will be made available within 5 working days (Provided documents are correct). Need to visit FAB to receive card or courier facility available.
Price AED 12AED6AED25AED27AED30
Validity TwoOneThreeThreeThree

 

1) Blue Al Hashal Card

The Blue Al Hashal card ensures safe online government and non-government services purchased at reasonable transactions fees with e-dirham. It can be used for purchases and cash withdrawal worldwide and at merchants where VISA brand is accepted.

About the card:

  • It contains a chip.
  • Card number and serial number printed on the card.
  • The name of the cardholder is printed on the card.
  • Nor a bank account neither a registration is required for this card.
  • The first time we make deposit in the card can be loaded from any of the FAB branches of UAE and all E-Dirham G2 and all FAB ATMs/CDMs.
  • The subsequent time we make deposit is known as the reload
    • All FAB branches in the UAE for a fee of AED 8
    • All e-Dirham G2 ATMs/CDMs for a fee of AED 2
    • All FAB ATMs/CDMs for a fee of AED 2
    • All Distribution channels in UAE for fee of AED 4

Procedure to obtain the card: This card can be easily purchased from all the FAB (First Abu Dhabi banks) branches in UAE. The card is made available to you at the time of purchase itself.

Validity: 2 years

Price of card: AED 12

 

2) Gold Al Hashal Card

The Gold Al Hashal card ensures safe online government and non-government services purchases through point of sale terminals EFTPOS at e-dirham G2 subscribed entities. It is a private label card which is not a cobranded. It is accepted only by e-dirham G2 merchants.

About the card:

  • It contains a chip.
  • Card number printed on the card.
  • The name of the cardholder is printed on the card.
  • Bank account is not necessarily required.
  • Name of Cardholder printed on card in Arabic and English language. Company name printed on card in Arabic and English (for corporate cards). Cardholder picture printed on card.
  • The first time we make deposit in the card can be loaded from any of the FAB branches of UAE and all E-Dirham G2 and all FAB ATMs/CDMs.
  • The subsequent time we make deposit is known as the reload
    • All FAB branches in the UAE for a fee of AED 8
    • All e-Dirham G2 ATMs/CDMs for a fee of AED 2
    • All FAB ATMs/CDMs for a fee of AED 2
    • All Distribution channels in UAE for fee of AED

Procedure to obtain the card: To purchase this card we need to apply on the website https://www.edirhamg2.ae/en/ApplyPLC.html

OR

The card can also be purchased from any of the FAB (first Abu Dhabi bank) branches in UAE The card takes 5 working days to come to your door step or you can go to the FAB and take it manually. Charges of courier and other related charges are here

Validity: 3 years

Price of card: AED 25

 

3) Green Al Hashal Card

The Green Al Hashal card ensures safe online government and non-government services purchases through point of sale terminals EFTPOS at e-dirham G2 subscribed entities. It is a visa cobranded card. It is accepted by the worldwide merchants and at the e-dirham G2 merchants. It can be used for purchases and cash withdrawal worldwide and at merchants where VISA brand is accepted.

About the card:

  • It contains a chip.
  • Card serial number and card ID number printed on the card.
  • The name of the cardholder is printed on the card.
  • Bank account is not necessarily required.
  • Card name printed on the card.
  • Name of the cardholder printed on the card in English. Card holder picture printed on the card (optional). 3D security enrollment available.
  • The first time we make deposit in the card can be loaded from any of the FAB branches of UAE and all E-Dirham G2 and all FAB ATMs/CDMs.
  • The subsequent time we make deposit is known as the reload
    • All FAB branches in the UAE for a fee of AED 8
    • All e-Dirham G2 ATMs/CDMs for a fee of AED 2
    • All FAB ATMs/CDMs for a fee of AED 2
    • All Distribution channels in UAE for fee of AED

Procedure to obtain the card: The card can also be purchased from any of the FAB (first Abu Dhabi bank) branches in UAE. The card takes 5 working days to come to your door step or you can go to the FAB and take it manually. Charges of courier and other related charges are here

Validity: 3 years

Price of card: AED 27

 

4) Red Al Hashal Card :

The Red Al Hashal card ensures safe online government and non- services purchases through point of sale terminals EFTPOS at e-dirham G2 subscribed entities. It is a private label card which is not a cobranded. It is accepted only by e-dirham G2 merchants.

About the card:

  • It contains a magnetic stripe.
  • Card number and serial number printed on the card.
  • The name of the cardholder is printed on the card.
  • Nor a bank account neither a registration is required for this card.
  • The first time we make deposit in the card can be loaded from any of the FAB branches of UAE and all E-Dirham G2 and all FAB ATMs/CDMs.
  • The subsequent time we make deposit is known as the reload
    • All FAB branches in the UAE for a fee of AED 8
    • All e-Dirham G2 ATMs/CDMs for a fee of AED 2
    • All FAB ATMs/CDMs for a fee of AED 2
    • All Distribution channels in UAE for fee of AED

Procedure to obtain the card: This card can be easily purchased from all the FAB (First Abu Dhabi banks) branches in UAE. The card is made available to you at the time of purchase itself. After you receive the card you need to register it on the website given website. https://www.edirhamg2.ae/en/apply_gll/plMagstripe

Validity: 12 months

Price of card: AED 6

 

5) Silver Al Hashal Card :

The Silver Al Hashal card ensures safe online government and non-government services purchases through point of sale terminals EFTPOS at e-dirham G2 subscribed entities. It is a visa cobranded card. It is accepted by the worldwide merchants and at the e-dirham G2 merchants. It can be used for purchases and cash withdrawal worldwide and at merchants where VISA brand is accepted.

About the card:

  • It contains a chip.
  • Card serial number and card ID number printed on the card.
  • The name of the cardholder is printed on the card.
  • Bank account is not necessarily required.
  • Company name, Card holder’s name and Card ID printed on the card in English. Card holder picture printed on the back of the card (Optional). 3D Security Enrollment.
  • The first time we make deposit in the card can be loaded from any of the FAB branches of UAE and all E-Dirham G2 and all FAB ATMs/CDMs.
  • The subsequent time we make deposit is known as the reload
    • All FAB branches in the UAE for a fee of AED 8
    • All e-Dirham G2 ATMs/CDMs for a fee of AED 2
    • All FAB ATMs/CDMs for a fee of AED 2
    • All Distribution channels in UAE for fee of AED

Procedure to obtain the card: The card can also be purchased from any of the FAB (first Abu Dhabi bank) branches in UAE. The card takes 5 working days to come to your door step or you can go to the FAB and take it manually. Charges of courier and other related charges are here

Validity: 3 years

Price of card: AED 30

 

Card balances of each E-Dirham card

 Blue Al Haslah CardRed Al Haslah CardGold Al Haslah CardGreen Al HaslahCardSilver Al Haslah

 Card

Not RegisteredRegisteredNot RegisteredRegisteredRegisteredRegisteredRegistered
AEDAEDAEDAEDAEDAEDAED
Max Card Balance2,50020,00010,00050,00010,000,00050,0002,000,000
Max Load amount2,5002,50010,00010,00010,000,00050,0002,000,000
Max reload amount / transaction at FAB branchesNot Allowed20,00010,00050,00010,000,00050,0002,000,000
Max reload amount / day at FAB branchesNot Allowed20,00010,00050,00010,000,00050,0002,000,000
Max reload amount / month at FAB branchesNot Allowed400,000200,0001,000,000UnlimitedUnlimitedUnlimited
Max reload amount / transaction at e-Dirham and FAB ATMs/CDMsNot Allowed20,00010,00030,00030,00030,00030,000
Max reload amount / day at e-Dirham and FAB ATMs/CDMsNot Allowed20,00010,00030,00030,00030,00030,000
Max reload amount / month at e-Dirham and FAB ATMs/CDMsNot Allowed400,000200,000600,000600,000600,000600,000
Cash withdrawal / transactionNot Allowed5,000*5,000** 5,0005,000Not Allowed
Cash withdrawal / dayNot Allowed5,000*5,000** 5,0005,000Not Allowed
Cash withdrawal /monthNot AllowedUnlimited*Unlimited**UnlimitedUnlimitedNot Allowed

 

Charges for E-Dirham card statement

 

ScenarioCalculationAmount
3 months or lessfees of AED 80AED 80
More than 3 months – For e.g. 5 monthsfees of AED 80 for the first 3 months + AED 30 per month for each month= 80+(30 x 2) =150AED 150 (Maximum Charges)

Means a person can apply for last 5 months statement only.

 

Other charges :
SerialNew ChangesFees
1Courier charges35
2KYC fees10
3Redemption fees10

 

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The entire contents of this article is solely for information purpose and have been prepared on the basis of relevant provisions and as per the information existing at the time of the preparation.. It doesn't constitute professional advice or a formal recommendation. The author has undertook utmost care to disseminate the true and correct view and doesn't accept liability for any errors or omissions. You are kindly requested to verify & confirm the updates from the genuine sources before acting on any of the information's provided herein above.

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