• Services are not integrated and are sold stand alone.
  • Services are integrated and can be availed through different distribution channel.

International Payroll Prepaid Card

Hafed prepaid card facilitates them to maximize full utilization of their earnings, while providing them with continuous and acute information of their cash status at all times.

  • Zero balance and no monthly charges for card holder
  • FREE usage at over partner bank’s ATMs
  • FREE usage at Mint ATMs
  • FREE One Payslip every month from Mint ATMs or through Mint Mobile App
  • Mobile app for account information and making transaction through Hafed Card to do remittance, domestic and int’l mobile top-up
  • Eligibility for various promotions and cash prizes with each value added services transaction
  • Merchant discounts at selected merchant outlets
  • Multiple Languages to converse in Mint CDMs
  • Access to Multi Lingual 24/7 Call Center


  • Instant and convenient money transfers through our remittance partner’s worldwide network. Mint provides multiple ways to the unbanked customers to transfer funds around the world
  • Instant Money Transfer through Mint ATMs, Web Portal, POS and Mint Mobile App
  • Competitive rates and reliable services.
  • Easy & Convenient mode of payment through ATM’s and Mobile Phones

Permanent Accident Insurance

  • Get Personal Accident insurance today available to protect you with affordable premium starting as low as AED 1 per month
  • Accidental Death Benefit – coverage up to 7 times salary subject to maximum of AED 35,000
  • Permanent Total Disability (PTD) – coverage up to 7 times salary subject to maximum of AED 35,000
  • Permanent Partial Disability (PPD) – coverage up to 7 times salary subject to maximum of AED  35,000
  • Medical expenses for the accidental injury – daily cash benefit of AED 50 subject to maximum of  30 days


  • “HAFED Plus” is designed to allow low income workers to have access to financing for expected and unexpected circumstances.
  • Flexible Payment Tenures – 12 and 48 months
  • Amount – Minimum AED 2,000, maximum AED 40,000 Competitive Profit Rate
  • Simple and Easy Documentation
  • Payment of Instalments – By standing instruction/ auto debit from Hafed Payroll Card
  • Faster disbursement of Cash.


The purpose of this program is to offer an Overdraft (short-term credit) facility to the Mint Payroll Cardholders providing them with a financial flexibility in dealing with unforeseen expenses. The Cardholder can use the funds at any time using their Hafed Payroll Card.

Get immediate access to funds, for whatever you need, when you need it…


  • Instant cash support
  • Avail credit up to 90% of your salary max to AED 20000
  • Easy documentation
  • Easy repayment options
  • Pay only for the amount and the time period used
  • Fixed Service Fee based on the credit.
  • Monthly Renewal
  • Ideal for emergency cash requirements


  • Regular salary credits to Mint Payroll Card for the last 3 months.
  • Valid Emirates ID

Smartphone for each Hafed Card holder

  • Free Smartphone on registration to a postpaid plan with Free SIM Card and Bundle Value (recharge+data) with best applied rates
  • Hafed Payroll Card holder can register by paying a fixed amount every month through their payroll card.

Free SIM Card

  • Voice calls – national UAE at a special tariff per second
  • Voice calls – International at very competitive tariffs
  • National SMS at a special tariff per SMS
  • Free data for access to three Apps only: WhatsApp, Facebook and MINT

Domestic Topup

Now avail Direct Top-up from your Mint Card to your Smartphone…


  • Any denominations as low as AED 5
  • Attractive rates and discounts
  • Hassle free
  • Directly from Mint Mobile Application, Web Portal and Mint ATMs
  • Top-up will be available for both Etisalat and DU.
  • Card Holders will be eligible for raffles draws with every top-up he does using his Payroll Card.


Service available for only Mint Payroll Cardholders

International Topup

International Airtime Remittance from your Mint Card to your Smartphone…


  • Any denominations as low as AED 10
  • Attractive rates and discounts
  • Hassle free
  • Directly from Mint Mobile Application, Web Portal and Mint ATMs
  • 350 Telco’s in 100+ countries


Service available for only Mint Payroll Cardholders

Loyalty & Discounts

  • Loyalty Rewards and discounts through a Network of 15000 Merchant locations (including 3000 Mint Merchants and 12000 Merchants tied up with other ESPs).
  • Mint will be the technology platform for all the ESPs for providing E-Voucher application along with bill payments and Loyalty program.
  • The merchants are tie-up in line with the demography and region to provide effective loyalty and discounts program.
  • Card Holders will be able to use the card and earn reward points which can be accumulated and redeemed from the tie-up merchant network.
  • All Card Holders transacting for any purchase through the card would also be eligible for promotions and prizes announced through a raffle draw.

Promotion & Prizes

Now avail cheaper fly tickets for your employees through Mint to help many of the low- and  middle-income, non-resident Indians in the Emirates.   

Mint offers value added service to its existing portfolio of employers by offering low fare air tickets  for their blue collared employees. These travel tickets includes only the travel with no food and  entertainment.

Saving Scheme

  • Shari’a compliant savings scheme that gives customers, profits and monthly rewards.
  • Customers can purchase bonds in units of AED 10 with a minimum purchase requirement being AED 100.
  • No monthly contribution or commitment required.
  • Customers can redeem the bonds at anytime, minimum 30 days holding period.
  • Partial redemption allowed.
  • Monthly saver plan are also offered, optional.

Sign up for Hafed Today

Comprehensive Financial Solutions for the unbanked to collaborate for better outcomes.