The Jaywan card is the UAE’s new national payment card system, launched by the Central Bank to reduce reliance on foreign networks like Visa and Mastercard. For expatriates living and working in the UAE, this card will soon become a standard part of banking — offering convenience, benefits, and digital integration.
What Is the Jaywan Card?
Jaywan is a UAE-backed payment system for domestic and international transactions. It’s issued through local banks and payment providers, and works both in-store and online. It supports debit, prepaid, and soon credit card formats.
Key Features for Expats
1. Mandated Rollout by 2026
All new debit cards in the UAE will be issued as Jaywan or co-branded Jaywan cards. Expats opening bank accounts or renewing cards will automatically receive Jaywan.
2. Global Acceptance
While Jaywan is UAE-based, co-badged versions work abroad through Mastercard, Visa, UnionPay, and Discover. Great for expats who travel or shop internationally.
3. Digital Wallets
Jaywan is being integrated into:
- Samsung Pay (active)
- Google Pay & Apple Pay (coming by end of 2025)
This means you can use your phone to tap and pay — just like you would with any international card.
4. Rewards & Benefits
Jaywan isn’t just basic. Depending on the variant, it can offer:
- Airport lounge access
- Shopping discounts
- Travel and purchase insurance
- Loyalty programs
Each bank will provide different Jaywan card tiers — from standard to premium.
Who Will Get Jaywan?
All UAE residents with:
- A bank account
- A salary card from exchange houses
will receive Jaywan by default. This applies to both nationals and expatriates.
Benefits for UAE-Based Expats
- No disruption: Your bank will guide the transition automatically.
- Local savings: Lower fees for domestic transactions.
- Greater privacy: Card data is stored securely within UAE systems.
- Financial inclusion: Jaywan helps lower-income expats and small businesses access modern digital banking.
Timeline
- Live Now: Early rollout through select banks
- Mid‑2025: Full issuance begins
- End‑2026: Mandatory for all new debit cards in the UAE
Jaywan is part of the UAE’s push toward a secure, modern, and cashless economy. For expatriates, it offers a familiar banking experience with local advantages. Whether you’re shopping in Dubai, sending money home, or traveling abroad, Jaywan is designed to make your financial life easier.
