3D Secure


We want you to be secure when you shop online which is why we have launched 3D Secure on all CBI credit & debit cards. 3D secure is an additional layer of authentication that allows you to shop online with confidence.

  • 3D secure is applicable when using your CBI credit or debit card for online purchases or payments
  • No registration required and the service is absolutely free
  • The authentication process is easy and simple
  • A 6 digit authentication code is sent to your registered mobile number and email address
  • This authentication code needs to be entered to complete your online transaction
  • This facility is available for all secure websites carrying the logos

To avoid any inconvenience, please make sure your mobile number and email address is updated on our systems. To update your information simply call our 24x7 contact center on 800 224 (within UAE) or +971 4 503 9000 (from overseas)

To view our 3D Secure Terms and Conditions please click here.

Frequently asked questions (FAQs)

What is 3D Secure?
CBI’s 3D Secure is a service which provides you with additional security when you shop online using your CBI credit or debit card on merchant websites which subscribe to the services of MasterCard SecureCode and Verified by Visa.

How do I use 3D Secure?
To prevent unauthorized use of your credit or debit card online, 3D secure will introduce a new security step when you make an online payment with certain merchant websites.

Every time you make an online payment with a registered merchant, you will be asked to enter a One Time Password [OTP] which will be sent to you by CBI.

The OTP we send you will be unique for each transaction and valid for 10 minutes. If your OTP is incorrect the retailer may reject your transaction.

Who is 3D secure provided by?
CBI provides this service to you, but we may use third party service providers to operate the service on our behalf.

What do I need in order to use 3D secure?
You will need to register a valid mobile phone number and / or email address with CBI to use 3D Secure.
Please ensure the current mobile phone number and / or email address we have in our files is your most up-to-date number or email id otherwise you may encounter issues with using 3D secure.

Do I need to register for this program?
No, as a CBI Card holder you are automatically enrolled in 3D secure.

Do I need to pay for this service?
No, this service is provided absolutely free.

What if I encounter any issues using 3D Secure?
You may call us on 800 224 locally or +971 4 5039000 from overseas for further assistance.

How long is each OTP valid for?
The OTP is valid for 10 minutes.

Do I earn Reward points on my online transactions?
Yes, you can accumulate reward points by shopping online on the CBI Rewards Mastercard Platinum Credit Card.

Who will get the OTP in case a supplementary card is used for an online transaction?
The OTP may be sent to the primary card holder’s mobile number and email address registered with CBI. If required the supplementary card information can be updated on our system.

Can I use one OTP for more than one transaction?
No, one OTP is valid only for a single transaction.

What happens if a third party uses 3D secure fraudulently and makes a transaction on my credit or debit card?
Please see your credit card terms & conditions and the banks general terms & conditions for the rules applicable to unauthorized transactions on your credit or debit card.


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