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Citibank customer making contactless payment with their Citi Credit Card

Faster payments with your
Contactless Citi Credit Card.

Your Citibank Credit Card now comes with contactless technology, for more convenient transactions. Contactless transactions are payment transactions that don't require physical contact between your credit card and the merchant's terminal, thus allowing you to make payments faster and easier as well as reducing the need for you to carry cash.

You can use your Citibank Contactless Card anywhere you see the contactless symbol for all transactions up to AED 500*. So wave goodbye to cash and say hello to fast, easy and safe payments!

Paywave Mastercard

How Contactless Payment Works?

1. Look for this symbol on the merchant's terminal.

2. Hold your Citibank credit card in front of the contactless reader. The terminal will indicate that the transaction has been processed successful.

3. Collect your items and go. If you need a receipt, just ask for it.

Benefits of Contactless Payment

  • Increased convenience: transactions are easier for both the cardmember and the merchant, meaning faster transactions and shorter queues.
  • Enhanced security: transactions are processed under a safe and advanced technologically protocol. From time to time you may be asked to enter your PIN.**
  • Rewards: you continue to accumulate miles/points and benefit from your card rewards (where applicable) even on small transaction amounts that you would have normally paid for in cash.
  • Less wear and tear: the card does not come into physical contact with the terminal through inserting or swiping.
  • An exciting experience: you are no longer constrained by the amount of cash in hand and unlike cash, you may track spending habits on low-value purchases.

**A contactless payment can be rejected ay any POS terminal and instead the cardmember may be required to perform the transaction using the PIN.

Contactless payments are payment transactions that do not require a physical contact between the cardmember's credit card and the merchant's terminal. They are also know in the payments industry as “tap & go” transactions.

Contactless payments use secure Near-Field-Communication (NFC) technology to process the transaction. NFC is a wireless technology that uses radio frequencies to establish a connection and transmits data between a NFC-enabled card and the merchant terminal. This is done by tapping the card against the terminal or by bringing the card close to the terminal, thus allowing the transaction to be processed.

contactless-payment-icon-4.png

With your Citibank Contactless credit card you will be able to make Contactless payments of up to AED 500 in any merchant service establishment with the ripple mark symbol.
All you need to do is hold the Citi Card in front of the Contactless terminal to automatically receive confirmation that payment was successful. They will then be offered the transaction receipt and that's it, transaction is complete.

You may use your Citibank Contactless card for any transaction amount within your credit limit. However for transactions up to AED 500 you may use your contactless card without the need to key in your PIN or sign a transaction receipt.
Note: The limit can be changed at any time by the associations and/or the merchant's acquiring bank and pertains to transactions made in the UAE. In other countries, the limit might be set differently according to the rules in force. Transactions for amounts above this limit will be completed using your PIN.

For amounts that do not exceed AED 500 you do not need to key in your PIN or sign a transaction receipt. However, from time to time you might be asked to enter your PIN.

  1. Increased convenience: transactions are easier for both the cardmember and the merchant, meaning faster transactions and shorter queues.
  2. Enhanced security: Contactless technology operates under a technologically advanced and safe protocol and will work on purchases up to the value of AED 500. From time to time you might be asked to enter your PIN.
  3. Rewards: accumulate miles/points (where applicable) and benefit from the cards' rewards scheme, even for the small amounts that before you used to pay with cash.
  4. Less wear and tear: the card does not come into physical contact with the terminal through inserting or swiping.
  5. An exciting experience: you will be no longer constrained by the amount of cash in hand and unlike cash you will be able to track spending habits on low-value purchases.

Contactless transactions are effected using secure Near-Field-Communication (NFC) technology and the strongest authentication protocols to validate each transaction. Contactless transactions are as safe as contact credit card transactions.

If the card gets stolen then the liability is governed by the general Terms and Condition of the card, which is that the cardmember will be liable for all transactions until the time that the cardmember reports the loss to the bank.

No. Any transaction needs to be initiated by the cardmember and then the merchant, by keying in the transaction amount in the payment terminal. Only then can start the communication between the terminal and the card through the NFC and provided that the card is in close proximity with the terminal device.

To apply for a Citibank credit card just visit www1.citibank.ae or your nearest Citibank branch.

To convert your existing card simply call our 24/7 CitiPhone Banking Services on +971 4 311 4000 or our Citigold Services on +971 4 311 4653.

Yes.

Nothing changes in the way you used to use your Citibank credit card today for all these type of merchants and transactions. Contactless technology applies only in card present transactions in Contactless enabled merchants/terminals.

Important

Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.

Disclaimer

*The limit can be changed at any time by the associations and/or the merchant’s acquiring bank and pertains to transactions made in the UAE. In other countries, the limit might be set differently according to the rules in force. Transactions for amounts above these limits will be completed using your PIN. **A contactless payment can be rejected ay any POS terminal and instead the cardmember may be required to perform the transaction using the PIN.

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.

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