Online Shopping with Prepaid Cards in UAE

In recent years, many businesses in the UAE have allowed their customers to pay for products and services online and Melltoo is no different. With our new Pay&Ship Secure service, Melltoo allows customers to purchase items on the app using a credit card or prepaid card and provides a hassle-free delivery service to customers! With the growing number of people buying things online, various banks and companies have started to make prepaid cards available to people who don’t have a credit card or a bank account, which has made the online shopping experience in the UAE more convenient than ever. Here is a list of prepaid cards in UAE that are available for Melltoo users and avid online shoppers!

 

1) MyNetCard Visa Card from Majid Al Futtaim

Cost: Cheap

The card costs 10dhs over the counter and it is valid for 1 year.

Ease to obtain: Easy 

You can buy a MyNetCard from any Carrefour, Al Fardan Exchange, Geant, ENOC, EPPCO, Zoom and Al Ghurair Exchange across the UAE.

Card Limits: Low

When you buy a MyNetCard, you have to load a minimum of 100dhs and you can load up to 3500dhs. In order to reload a MyNetCard, you have to use a LoadNShop card, which you can also purchase from Majid Al Futtaim. However, if you choose not to purchase one, you can’t top up a MyNetCard. So, if you buy a MyNetCard, you’ll have to estimate how much money you want to spend online, so you can load the correct amount on your card when you purchase it.

What are the benefits?

  • You can choose how much money you want on your internet card
  • You don’t need a bank account
  • There is no lengthy application process
  • You can check the balance of your card online
  • You can buy and load your card at more than 500 locations across the UAE
  • If there is still money on the card when the validity period is over you can redeem it

What are the disadvantages?

  • Can’t be used to withdraw money from ATMs
  • Can only be reloaded using a ShopNLoad card from Majid Al Futtaim
  • Can only be used to purchase things online

What fees can be incurred by using this card?

  • Online Purchase Fees: If you purchase something online that costz less than 30dhs you are charged a 1dh fee
  • Inactivity Fee: If your card is inactive for more than 6 months, you are charged 10 dhs each month thereafter

Conclusion

If you like buying stuff online, bidding in auctions, playing online games etc, this is the perfect card for you. The MyNetCard card is a great option for people who want to buy online without having to go through a lengthy application process or create a bank account. The MyNetCard is cheap, quick and easy to use.

Press here to learn more

 

2) Travelez Visa Card from Al Fardan Exchange

Cost: Reasonable

A standard Travelez card costs 30dhs and it is valid for 1 year.

Ease to obtain: Easy  

A Travelez card can be purchased at any Fardan Exchange, as long as you have UAE I.D. card. You can purchase a TravelezAED, which you can load with dirhams or a TravelezUSD, which you can load with dollars.

Card Limits: High

Neither the TravelezAED nor the TravelezUSD has a purchasing limit and they can be used

globally at any online or offline outlet or ATM that accepts visa cards. The maximum limit for each card is 35,000dhs and 10,000USD respectively and the maximum daily ATM withdrawal limit is 10,000dhs and 2,000USD respectively. While you can load up to 12,000dhs on the TravelezAED card and 3000USD on the TravelezUSD card per day, you can only top them up at a Al Fardan Exchange branches.

What are the benefits?

  • You don’t need a bank account to get a card
  • There is no lengthy application process
  • You can buy it at any Al Fardan Exchange  across the UAE
  • Can be used to withdraw money from any ATM globally that accepts Visa
  • Can be used for online shopping
  • Can be used for budgeting money on vacations
  • You can keep track of your card activity online

What are the disadvantages?

  • You have to go to Al Fardan Exchange branch to buy a Travelez card
  • You can only reload your Travelez card at an Al Fardan Exchange branch

What fees can be incurred by using this card?

  • Reload Fee: There is a fee of 5dhs everytime you reload your card
  • Inactivity Fee: If your card is inactive for more than 6 months, you are charged 10 dhs per month for a TravelezAED card and 3 dollars per month for a TravelezUSD card.

Conclusion

Both the TravelezAED and TravelezUSD cards are ideal for people who travel a lot and want to budget their spending. However, even if you aren’t a frequent traveler, the Travelez card is a great option for people who want to budget their monthly spending. Not only is the Travelez card easy to buy, load and reload at any Al Fardan Exchange, it can also be used to purchase things at countless local, global and online outlets.

Press here to learn more

 

3) GCard Visa Card from Groupon

Cost:  Cheap 

A Groupon card is 20dhs and is valid for 2 years

Ease to obtain: Easy 

After filling an online application, you can go to any ENOC, EPPCO, Zoom, Al Ghurair Exchange, Al Fardan Exchange or the Groupon HQ to purchase a GCard. Regardless of which location you buy it from, you will need to present an original passport with a valid UAE Residence/Visit Visa, an Emirates ID card and a passport photograph to get your card.

Card Limits: High

The maximum limit for the GCard is 20,000dhs and they can be used

globally at any online or offline outlet or ATM that accepts Visa cards. The daily ATM withdrawal limit is 5000dhs and you can load anywhere between 100 to 10,000dhs on a GCard per day. While you can load up to 10,000dhs per day, the GCards can only be reloaded by a transfer from another GCard or at the Groupon HQ, ENOC, EPPCO, Zoom, Al Ghurair Exchange, Al Fardan Exchange, Carrefour and Geant.

What are the benefits?

  • You don’t need a bank account to get a card
  • There is no lengthy application process
  • You can buy and top up at various locations account across the UAE
  • Can be used to withdraw money from any ATM globally that accepts Visa
  • Can be used for online shopping
  • You can keep track of your card activity online
  • You can get 25% cashbacks by using the GCard and redeem your points with Groupon partners
  • You can redeem accumulated cashback for free fuel at any gas station that accepts cards
  • You can transfer money to friends or family with GCards

What are the disadvantages?

  • GCards can only be topped up with a transfer from another GCard or at at the Groupon HQ, ENOC, EPPCO, Zoom, Al Ghurair Exchange, Al Fardan Exchange, Carrefour and Geant.

What fees can be incurred by using this card?

    • Online Purchase Fee: If you purchase something online that cost less than 30dhs you are charged a 1dh fee
    • Reload Fee: There is a fee of 5dhs everytime you reload your card
    • Inactivity Fee: If your card is inactive for more than 6 months, you are charged 10 dhs per month thereafter
    • Card-to-Card Transfer Fee: A transfer made from one GCard to another costs the sender 5dhs

Conclusion

The GCard is ideal for people who frequently like to buy things online or like enjoying the finer things in life. The GCard is easy to buy and can be reloaded at ENOCs, EPPCOs, Zooms, Al Ghurair Exchanges and Al Fardan Exchanges all across the UAE. With its cashback opportunities of up to 25% and the extensive network of places where these points can be spent, the GCard makes spending offline and online easier, more enjoyable and safer than ever.

Press here to learn more

 

4) Loaded & Bling MasterCards from RAK Bank

i) Cost: Reasonable

Although the RAK Bank card is the most expensive out of the 4 we’ve reviewed, at 35dhs, it has a validity of 2 years and is very versatile.

ii) Ease to obtain: Difficult

Comparatively speaking, it takes longer to get a card if you aren’t a RAK Bank account holder, because you have to go to a branch with a passport copy and an original photo ID to get one. However, if you are RAK Bank account holder, you can complete the online application for the pre-paid cards and get it sent to your home or pick it up from any RAK Bank branch.

ii) Card Limits: High

The Bling and Loaded cards have a 50,000dhs limit with a 1000 dhs ATM withdrawal limit and can be used globally at any online or offline outlet or ATM that accepts  Mastercards. If you’re a RAK Bank account holder, you can easily reload your account by transferring money from your online bank account or an RAK Bank ATM. However, even if you’re not an RAK bank account holder, you can use the electronic deposits machines at any RAK Bank branch to reload your card or you can go to UAE Exchange, Al Ansari Exchange, Al Fardan Exchange, Sharaf Exchange, Redha Al-Ansari Exchange or Lulu International Exchange to deposit money in your Bling or Loaded cards.

What are the benefits?

  • Can be used to withdraw money from any ATM globally that accepts MasterCard
  • Can be used for online shopping
  • Can be using for budgeting monthly expenditures
  • Can be used to allocate pocket money for kids
  • Can be used for budgeting money on vacations
  • Can be used to get great rewards and discounts
  • You can keep track of your card activity online
  • You don’t need a bank account to get a card

What are the disadvantages?

  • It takes longer for non-bank members to get a card
  • You have to go to a RAK Bank branch to reload your card(s)

What fees can be incurred by using this card?

Reload Fee: There is a fee of 3dhs everytime you reload your card

Inactivity Fee: If your card is inactive for more than 6 months, you are charged 10 dhs each month thereafter

Conclusion

The Bling and Loaded cards are great if you want to set your children’s monthly pocket money. They can use it to go out with friends, buy movie tickets, online games, lunch and much, much more. You can also use the cards to set your monthly spending and/or travel budget, so you don’t have to worry exceeding your chosen monthly limit. Not only do these RAK Bank cards allows you to buy things online, they also allow you to keep track of your expenses, while also getting you great deals and discounts. All in all, the Bling and Loaded cards are great if you are looking for a prepaid card that is multi-functional and practical.

Press here to learn more

 

The M-Commerce Revolution

Remember ebay? Yes, that was a while back. When ebay first came on the scene, it was the e-commerce revolution! All the little guys could now sell online. Whether you were online or offline, you now had a platform for an e-store. You finally had an answer to all those customers that asked if you had an online store. And then came the e-commerce platforms that provided turn-key solutions for an online e-store. Just select a template, upload your catalog and you’re ready to go. Well, I’m sorry to burst your bubble, but your e-store is no longer enough, it’s time to go mobile.

Why You Need an m-Store: Selling on Mobile

Worldwide, 30% of ecommerce site traffic came from mobile in 2013. Souq.com, the Amazon, of the MENA region recently revealed that 40% of its sales (and growing) come from mobiles. They predict that mobile will be the main way to shop by 2015. All over the world, all eyes are turning to mobile, with Facebook declaring itself a mobile-first company along with their acquisition of Whatsapp (a mobile-only messaging platform) for a whopping $19B. If you’re still not convinced that mobile is the way to go, then you should stop reading.

There are already many on the cutting edge who have taken to Instagram to set up their m-stores. And you know what? They are doing great. But Instagram is a photo-sharing app, not an m-commerce platform. And I can hear others now proudly boasting about their mobile responsive website. Sorry, but responsive just doesn’t cut it. Consumers prefer native apps, enough said. And an icon on their phone reminds them to go shopping, while a web browser on a phone takes the user everywhere but to your responsive website.

How is the mobile shopping experience different?

You might still be scratching your head and wondering: what makes the mobile shopping experience different? The answer is: the mobile phone. The mobile phone is with you everywhere you go. You pull it out of your pocket or purse at every dull moment in your day. You push the home button and you’re instantly connected. You can’t do this with a laptop. With the mobile, you can shop on demand; you can shop for the bag you just saw on a billboard as you whizzed by on the metro. You can do price research for the vacuum cleaner for which you are standing in line to pay for. The mobile is a tool for instant communication, it is always on and always with you. Imagine chatting with a salesperson as you browse his store catalog while sitting at the doctor’s waiting room. The mobile is a tool for social interaction, you take pictures and videos, share them with friends, comment on things your friends share with you on a plethora of different social networks right on one device. In the shopping context, you can ask your friends for recommendations and advice on purchases as you shop. Shopping on the mobile is an engaging experience that cannot be replicated on the web.

What should you look for in a m-store platform? 

So at this point, you see the need to start selling on mobile. Assuming you are not amazon.com, you probably don’t have the resources or time to devote to building your very own m-commerce app. Instead, you want a turnkey solution that will allow you to get started instantly. In order to leverage the mobile shopping experience to grow sales, here are some things you should look for in an m-store platform.

  • It’s a native app – Native apps use phone hardware like the camera, location services, and integration with other apps in ways that a “responsive website” doesn’t.
  • The app looks good and is easy/stupid to use – UI/UX is very important when your screen is only 4-5 inches long. If the app is not dead simple to use, say hello to the uninstall button.
  • The platform is social – By this, I do not mean that it has a share to Facebook button. Share button does not social make. When I say social, I mean that a community can be formed within the app because the app has “public spaces” for users to engage in. Often, this means an activity feed, comments, likes/shares, and follows. Think Twitter or Instagram.
  • It has a built-in chat platform – Nothing is more powerful than mobile chat, it is a medium of communication that has taken the world by storm. Don’t take my word for it, just think Whatsapp at $19B.

Download the Melltoo app and checkout how we have integrated all of these things to make m-commerce easier than ever in the UAE!

Go forth and sell on mobile. Welcome to web 3.0.