Sharaf Exchange

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Welcome to the UsratiPay family!
UsratiPay is the most customer friendly salary card program in the UAE.  Your Money is now totally within Your control! Use the UsratiPay card with confidence in the UAE and internationally*.
UsratiPay also provides many practical benefits for subscribed members, including
  • SMS alerts on every transaction
  • Free emergency flight tickets
  • Free and discounted transactions
  • Deals and Discounts across 100+ brands in the UAE
  • Cashless Remittance Options
  • Cash withdrawal at any Sharaf Exchange branches
Card Usage Charges are as below:
ATM Withdrawals
  • 1st ATM withdrawal of the month – FREE anywhere in UAE
  • 2nd ATM withdrawal onwards for the month – AED 2 per transaction
  • International ATM Withdrawals – AED 15 per transaction
Balance Inquiry
  • Within UAE – AED 2 per transaction
  • Outside UAE – AED 5 per transaction
Declined Transactions
  • UAE and International – AED 2 per transaction
Card Reissuance in case of loss/damage
  • AED 35/- per request
  • AED 10/- per monthly statement
Reach us at 800-8111 or write to us at
  * International POS and ATM transactions are available on Discover Network Acquired Stores and ATMs.
** International ATM transactions & purchases on card will be charged 2% Issuer markup on volume swiped
** International ATM withdrawal limit is set at FX equivalent of AED 200 per transaction
** All charges are exclusive of VAT and shall be charged VAT as per UAE Law.

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