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Credit Card Support

How to activate your card

Before you can use your credit card, you will need to activate it. Please do this as soon as you receive your card through the post. This will help us give you a better service, and protect you against credit card fraud.

To activate your credit card, choose one of the following options:

  1. CBD Online Banking
    Login to CBD Online Banking and follow the instructions to activate your card.

    Not registered with CBD Online Banking yet?
    You need to register first before you can activate your card online.

  2. SMS
    Send the message: CACT<space><last 4 digits of debit card number> to 4266 (e.g. CACT 1234) from your registered mobile number with CBD. Please note that this will be effective on the next business day.

  3. Phone
    Call our customer service center on 600 527223 and choose option 2 after language selection. Note: TIN (Telephone Identification Number) is required.

Please ensure you sign on the back of your credit card.



PIN and PIN Security

Your PIN must contain 4 digits using numbers between 0 and 9. Choose a number that is easily remembered but difficult for others to guess. For example, avoid using your own birthday, house number, or sections of your telephone numbers. Also avoid using only one repeated number, such as 1111. It is important to choose a number you will remember.

To create your new credit card PIN, choose one of the following options:

  1. CBD Online Banking
    Login to CBD Online Banking and follow instructions to create your new PIN.

  2. SMS 
    Send the message: CPIN<space>last4 digits of card number<space> 4 digit clear PIN to 4266 (e.g. CPIN 1234) from your registered mobile number with CBD. Please note that this will be effective on the next business day.

  3. Phone
    Call our customer service center on 600 527223 and follow the instructions on IVR (note: telephone PIN is required).

  4. ATM
    Visit any CBD ATM machine and select “PIN services”.

 

Make retail purchases with your CBD Chip & Pin credit card with 3 simple steps:

  1. Present your CBD Chip & Pin credit card to the merchant. Rather than swiping your card, it will be inserted into the point-of-sales machine. 

  2. The merchant will ask you to enter your PIN. Enter your 4 digit PIN which you will setup while activating your card. 

  3. Once your transaction gets authorized your card will be returned to you with a sales receipt. No need to sign.

Security

CBD credit cards are equipped with a smart microchip which requires the credit card to be inserted into a point-of-sale machine, where you will need to enter a 4-digit PIN to complete your transaction when purchasing items in a secure way.
The Chip & Pin gives you the convenience to make purchases, pay bills, or get cash in a secure way.

Lost or Stolen

If you card has been lost or stolen, simply contact us at your nearest branch or our Call Centre on 600 527223 immediately and we will block the lost or stolen card and initiate a replacement card for you.



More information

To learn more about CBD Credit Cards click here.



FAQ's

How do I activate my CBD Chip & Pin Credit Card?

To activate your new CBD Chip & Pin Credit Card, you can do any of the following:

  • Online Banking: Visit the Accounts page – Credit  Cards and click on the ‘Activate’ button visible against the card. Enter OTP (one time password) sent to your number that is registered with us and submit the activation request.
  • Call 600 527223  and select option 4 for card activation and PIN services ( TPIN is needed)
  • SMS to 4266: CACT<space> <last 4 digits of credit card number> from your primary mobile number registered with CBD. 

How do I activate my CBD Chip & Pin Credit Card?

To activate your new CBD Chip & Pin Credit Card, you can do any of the following:

  • Online Banking: Visit the Accounts page – Credit  Cards and click on the ‘Activate’ button visible against the card. Enter OTP (one time password) sent to your number that is registered with us and submit the activation request.
  • Call 600 527223  and select option 4 for card activation and PIN services ( TPIN is needed)
  • SMS to 4266: CACT<space> <last 4 digits of credit card number> from your primary mobile number registered with CBD.

How to change / reset PIN for my CBD Chip & Pin credit card?

Choose the channel that suits you to change or reset credit card PIN:
• Online: Go to Accounts page and select the card which you want to change or reset the PIN for. Enter your PIN, confirm it and click on Continue to input OTP (one time password) sent to your registered mobile number
• SMS: Send to 4266: CPIN<space> <last 4 digits of credit card number> <space> 4 digit new PIN from your primary mobile number registered with CBD.  
• Call: Call us on 600 527223  and select option 4 for card activation and PIN selection

Is there a difference between signing a receipt and using my PIN to authorize a credit card purchase?

No. Whether you sign or use your PIN, there is no difference in what you are charged and the purchase amount will be deducted from your credit limit. 

Can I still use the old PIN number for my newly issued credit card?

Yes, you have the option to of choosing the same 4 digit number you had or choosing a new number, as per your convenience.

Shall I collect the new card from the branch or it can be couriered to me?

All cards will be couriered. The courier company will contact you on your registered mobile number and you will receive the card at a location of your convenience.

When do I receive the new card?

For existing customers the new card will be issued if:

  1. The card is renewed as the old card is expiring
  2. One of the customer’s card under his account is renewed/replaced, then the rest of the cards of the customer will also get automatically renewed.

New customers will get the Chip & Pin card by default.

How do I safeguard against any misuse on my card?

For precautionary reasons, avoid selecting a PIN which can be easily guessed. Avoid using 4 zeroes, 1234 or using your date of birth as the PIN. We recommend that you use a different PIN for each of your cards.

Once my Chip & Pin card is activated, what will happen to my current CBD Credit Card?

Your current Credit Card will stop working after you activate your new Chip & Pin credit card. However it is advisable that you destroy your card immediately (by cutting through the magnetic stripe immediately upon activation of your new card).

How to set up PIN for my CBD Chip & Pin Credit Card?

Upon receipt of your Chip & Pin Credit Card, you may set your PIN using any of the below mentioned options:

  • You can set up your PIN through Online Banking. Go to Services page, Online Settings and choose Set up Debit Card PIN from Request Type drop down menu. Enter your PIN, confirm it click on Continue to input OTP (one time password) sent to your registered mobile number.
  • SMS to 4266: CPIN<space> <last 4 digits of credit card number> <space> 4 digit PIN of your choice from your primary mobile number registered with CBD. 
  • Call 600 527223 and select option 2 for card activation and PIN selection

Why do I need a PIN for CBD Credit Card?

Chip cards require a PIN to enable use of the card. For example, you will have to key in your PIN when you make purchases at participating retailers who use Chip and PIN terminals.

What are the benefits of Chip & Pin?

It is a more secure way to authorize your transactions as your card is embedded with a microchip which makes it difficult to duplicate the card. You will be required to enter your Personal Identification Number (PIN) which is only known to you, making your purchases more secure.

What is PayPassTM Technology?

Your CBD Debit Card has PayPass technology which allows you to pay for everyday essentials with the following options:

  • Less than AED 100 - Tap and go without PIN
  • More than AED 100 and less than AED 300 - Tap and go with PIN
  • Above AED 300 - Chip and PIN without Tap and go

Simply tap your card on any PayPass enabled device at merchants and the amount will automatically be deducted from your account without the card ever leaving your hand. Tap, pay and go, with the benefit of knowing that even if you tap twice by mistake, you can only be charged once.

How does PayPass work?

1. Look for the contactless symbol when paying for small everyday purchases that are AED 300 or less. 
2. Simply touch your contactless card against the reader.
3. A beep or green light shows your payment is processed.
4. Once your payment has been confirmed you will be offered a receipt.