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Wafer Individual Card

Abu Dhabi Pay Diamond Individual Card

The Wafer Individual Card can be loaded or reloaded through:

  • FAB Cash Deposit Machines (CDMs)
  • The FAB Mobile app and Online Banking for retail
  • The payit mobile app (available soon)
  • Distribution channels (available soon)
  • MBME Kiosks
  • The UAE Funds Transfer System (UAEFTS)


  • Card issuance cost: AED 30 (deducted from the first load)
  • Easy issue prepaid card without registration or a bank account
  • Five-year validity (as per the expiry date pre-printed on the card)
  • Initial load amount will be limited to maximum AED 3,500 and can be used on the RAK Pay government transactions only. Reload and cash withdrawal capabilities will be enabled once the full KYC (Know Your Customer) is completed, with a maximum limit of AED 10,000

This card offers easy loading and reloading of funds to help you keep track of your spending. It is valid for five years (the expiry date is printed on the card).

Loading/Reloading Fees:

  • FAB Cash Deposit Machines (CDMs): AED 10*
  • MBME Kiosks: AED 10*
  • Distribution channels: AED 10* (available soon)
  • The FAB Mobile app, Online Banking and iBanking: AED 5*
  • FAB Branch and Nafura: AED 25*
  • The payit mobile app: AED 5* (available soon)
  • The UAE Funds Transfer System (UAEFTS) : AED 5*

The Wafer Individual Card is available at Magnati offices, FAB RAK branches and distribution channels.

The Wafer Individual Card includes the following features:

Maximum card balance Maximum load amount Maximum reload amount per transaction at FAB CDMs Maximum reload amount per day at FAB CDMs Maximum reload amount per month at FAB CDMs
Not registered AED 3,500 AED 3,500 (one time only) Not allowed Not allowed Not allowed
Full registration (full KYC) AED 10,000 AED 10,000 AED 10,000 AED 10,000 Unlimited

Prepaid card balance refunds:

The balance amount can be refunded at FAB ATMs (if the cash withdrawal feature is available) or you may request a refund at Magnati offices. Please note that incomplete refund requests cannot be processed.

Withdrawal allowance per transaction Withdrawal allowance per day Withdrawal allowance per month
Full registration (full KYC) AED 10,000 AED 10,000 Unlimited

Cash withdrawal amounts:

Cash withdrawals are available at any FAB or non-FAB ATM (the cash withdrawal option will be available once the full KYC process is completed).

  • FAB ATMs: Free
  • Non-FAB ATMs )within the UAE): AED 2*
  • International withdrawals: 2.5% or AED 15 (whichever is higher) *

The redemption fee at FAB branches is AED 25.*

*All the above charges are exclusive of 5% VAT.


First Abu Dhabi Bank

First Abu Dhabi Bank P.J.S.C

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