Ajman Credit Union mada Card

The new Ajman Credit Union mada Card is specially designed to suit your needs and give you more flexibility on your daily transactions. It provides access to your funds whether you want to withdraw from an ATM or pay at a POS terminal at stores inside or outside the Kingdom. You can also manage your accounts and transactions, such as paying your bills through any e-banking channel.

How can I get the Ajman Credit Union mada Card?

  • Ajman Credit Union mada card is offered free when you open a current account at Ajman Credit Union
  • If you have a current account you can replace your Maestro Debit card with the new Ajman Credit Union mada card by visiting the nearest branch

Where can I use the Ajman Credit Union mada Card?

  • At any ATM machine locally and internationally
  • Local and international stores through POS terminals

What are the benefits of the Ajman Credit Union mada Card?

  • Control daily purchase limit service  
  • “Contactless Payment�? service to pay for low value purchases
  • “naqd�? service 
  • Worldwide acceptance whether you want to withdraw or pay at over 35 million merchants and 2 million ATMs inside and outside the Kingdom
  • A unique collection of offers  on travel, dining, shopping and much more. For a list of offers, please visit: www.pricelessarabia.com
  • Free internet banking
  • SMS notifications on transactions
  • Daily limit of AED 5,000 on cash withdrawal

Control daily purchase limit service

Now Ajman Credit Union mada card holders have full control over changing the daily purchase limit up to AED 60,000 when purchasing at stores locally or internationally after activating the request via Ajman Credit Union Online or Ajman Credit Union ATMs.

New daily limit options for purchase amount through point-of-sale terminal in stores:

AED 25,000 AED 30,000
AED 40,000 AED 50,000
AED 60,000 -

Service Specifications and Conditions:

  • Immediate service activation for the new limit
  • Ability to increase or decrease the limit
  • Ability to control the daily limit of any of the Debit Cards.
  • Ability to perform local or international transactions up to AED 60,000 through point-of-sale

*The previous daily limit for purchase through POS was AED 20,000 only


“Contactless Payment�? service

A new innovative service that allows you to pay for low value purchases by taping your card against a contactless enabled point-of-sale machine at the store without the need to insert the card.

“Contactless Payment�? service features:

  • It is the fastest and easiest way in making payments
  • It is protected against fraud
  • You can use this service to pay for low value purchases of up to AED 75 per purchase
  • Service applies to cumulative values up to AED 225 regardless of the number of contactless transactions. For security purpose,  after reaching AED 225, the next transaction will be made by inserting the card and entering your PIN
  • Contactless transactions will be included in the monthly debit card statement
  • This service is currently available at some international markets and will be available  in the U.A.E market soon

How do I pay using the “Contactless Payment�? service?

  1. Look for the “Contactless�? reader on the point-of-sale terminal
  2. Tap your card against the reader
  3. Wait for the beep sound or green light which indicates the completion of the transaction

“Naqd�? service

It enables the cardholder to withdraw cash at a participating merchant when paying by their Ajman Credit Union mada card. The cash amount will then be deducted directly from the customer’s bank account along with the purchase amount.

“Naqd�? service features:

  • You can benefit from the service when using your Ajman Credit Union mada card to pay the purchase amount at merchants who provide the service
  • The minimum value of cash is AED 1 and the maximum value is AED 400 per day
  • There is no maximum number of transactions per day on which cash could be requested
  • The service is available for all Ajman Credit Union mada cards
  • This service is free of charge

Issuance and Usage Charges for Ajman Credit Union mada card:

SERVICE FEES & CHARGES
Card Issuance (for all Ajman Credit Union account holders) Free
Card Renewal Free
Balance inquiry within the GCC Net* AED 3
Balance inquiry outside the Kingdom and GCC NET AED 5
Purchases outside the Kingdom through POS terminals Mass: 2.50%
Silver banking: 2.00%
Golden banking: 1.75%
Private banking: 1.50%
Re-issuance of lost/stolen cards AED 30
Cash withdrawal in GCC NET AED 10
Cash withdrawal outside the Kingdom and GCC NET AED 35

*GCC Net: Gulf Cooperation Council Countries Network


Tips and Important Information:

  • In case of loss or theft of your card, please visit your nearest branch or call our customer service team on and request to block the card
  • Ajman Credit Union mada cards are Chip (EMV) and PIN protected to enable a completely safe transaction. In case you forget your card PIN, please visit the nearest branch to request a new PIN
  • Avoid writing the PIN on the back of the card
  • Please activate the "notices messaging service" before your travel, so you can receive short text messages for withdrawals and purchases made on the card
  • We recommend changing the PIN for your Ajman Credit Union mada card once you return from travel
  • Make sure to cover the PIN pad as you enter the PIN to be safe
  • Please do not share your PIN with anyone no matter what, even if you were requested to do so by a Ajman Credit Union staff member either by phone or online