Card Services
3D Secure
Added Security.
3D Secure Payments with Citibank Credit Cards
At Citibank, we are constantly working towards bringing added security measures to make your banking experience safer than ever. With our new added security feature, we bring you Credit Cards with enhanced safety online. This service offers added online protection while shopping with most of the leading online merchants that incorporate the 'Verified by Visa' or 'MasterCard Secure Code' sign.
Choose Citibank Credit Cards to minimize fraud risk and help secure your online transactions, every time.
Benefits of 3D Secure Credit Cards
- Additional verification for greater peace of mind
- Enhances online security without additional software required
- Simple and convenient
How 3D Secure Credit Card Works
When you make an online purchase at the participating 3D Secure merchant, you will be prompted to key in your 16-digit card number, card expiry date and security code (CVV2).
A One-Time Password (OTP) will be sent to your mobile phone number as maintained in our records.
Enter the OTP when the pop-up screen appears
FAQs
Citibank 3D Secure™ is a free service provided by Citibank which operates within the MasterCard SecureCode and Verified by VISA framework, in association with most of the leading online merchants. 3D Secure™ assists Citibank Credit Card members to shop online with added protection and confidence.
No enrolment is required as all Card members are automatically enrolled. Please ensure that you have updated your latest mobile phone number with us by calling CitiPhone at +971 4 3114000, as the OTP will be sent to the mobile phone number in our records.
3D Secure provides an added layer of security by prompting you for a OTP when you make an online purchase. This helps to protect against online fraud by verifying that the customer making the online purchase is the rightful owner of the credit card.
No, the service only uses 'session cookies', which are filed on your computer temporarily and are automatically deleted when you log out or interrupt the connection.
You can do the following:
- Check whether the online merchant is a participant of Verified by Visa / MasterCard SecureCode.
- Check whether your system blocks pop-ups. If necessary, switch off the software that blocks pop-ups.
Via Citibank Online or your monthly statement, you can view all your Credit Card transactions.
You can contact our 24-hour CitiPhone Banking Service at +971 4 311 4000.
Yes, you can. You do not need to install any special software. You can always pay online and always rely on extra protection thanks to 3D Secure™ .
No, this service is provided free of cost.
3D Secure™ is available for all Citibank Credit Cards.
Yes, you can accumulate reward points by shopping online based on the reward program of the respective Credit Card(s) held by you.
No. The OTP is only required for online merchants that support the 3D Secure authentication protocol.
You will not be able to complete the transaction and will be routed back to the merchant website.
Earlier, you were required to register your Citi VISA/MasterCard for Verified by Visa/ MasterCard Secure Code and set a static password that you would then enter for every online transaction on the 3D Secure page for authentication. Citi Card will now send you a new 6 digit numeric One Time Password (OTP) to your registered mobile no. every time that you initiate an online transaction. You will need to enter this OTP on the 3D Secure page to authenticate your transaction.
No. Every 6 digit OTP is valid only for that particular transaction and cannot be used for any other transaction.
Each OTP is valid for 10 minutes or one successful usage whichever is earlier.
One Time Password (OTP) would be instantly sent to the mobile phone number in our records, after you have started the transaction and entered your card details. If you do not receive the OTP, please check if your mobile no. registered with your Citibank is correct or not. If the registered details are correct, you can request for the OTP to be re-sent to you by clicking on the resend link appearing in the below message displayed on the screen-'If you have not received the OTP yet, please click here to request again for your One Time Password'
The Resend OTP link will be activated 20 seconds after the first OTP being sent
You can request for an OTP to be re-sent to you one time only.
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
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.
Copyright © 2024 Citigroup Inc.
Terms & Conditions:
I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www1.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www1.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Data Privacy (GDPR, LGPD & NZPA)*. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
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