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FAQ - Flash
What is the ADCB Flash MasterCard? How is it different from other credit cards?
The ADCB Flash MasterCard is the first credit card in the UAE to offer you a contactless way of making payments using the patented PayPass™, technology from MasterCard International. Unlike other cards that you need to swipe or dip to complete a transaction, you simply tap your ADCB Flash MasterCard on thePayPass™readers at select merchant outlets to complete your transaction.
How does my ADCB Flash MasterCard work?
The ADCB Flash MasterCard has an inbuilt radio frequency device with a high tech antenna which enables data to move between the card and the point of sale machine without physical contact.
Once you tap the card on the PayPass™ terminal, your card transmits data wirelessly to the reader. So you don’t need to hand your card to the cashier.
Transaction details are transmitted by the reader via a high security acceptance network for authorization.
The transaction is completed almost 50% faster than regular cards.
How does the ADCB Flash MasterCard benefit me?
The ADCB Flash MasterCard is designed to provide a quick and easy payment method, thereby improving your shopping experience. It increases your feeling of security, as you remain in control of your card during the entire payment transaction. It also provides you with better record keeping than using cash for your purchases.
Will my ADCB Flash MasterCard work onMasterCardPayPass™ readers ross the globe?
Your ADCB Flash MasterCard will work at all merchant establishments that display the MastercardPayPass™logo. All you need to do is to identify the merchant outlet by looking out for the symbols below:
These cards can also be used to make payments by the conventional methods of swiping or dipping at all merchant establishments that accepts MasterCard cards.
Does my ADCB Flash MasterCard replace existing cards, or is it a primary card?
The ADCB Flash MasterCard is issued as an Add-On card and therefore it does not replace your existing ADCB Chip Credit Card. The ADCB Flash MasterCard gives you the opportunity of using the PayPass™technology at select merchant outlets, but can also be used as a conventional credit card.
How safe are these purchase transactions? Can someone intercept the data or can I get incorrectly charged for purchases when carrying the card?
Because the specialPayPass™technology prevents fraudulent usage, transactions are just as safe, if not safer than, traditional payment transactions. The ADCB Flash MasterCard also gives you more control, since your card never has to leave your hands to be swiped by the merchant.
Is the signature requirement waived for your ADCB Flash MasterCard purchases? Is there a limit?
ADCB Flash MasterCard transactions are designed for low-value purchases (Up To AED 100 per transaction). To ensure these types of transactions are simpler and more convenient, participating merchants will waive signature requirements for authorized small-value transactions while still receiving a guarantee of payment for that purchase. Places to use your ADCB Flash MasterCard include fast food restaurants, super markets, convenience stores, petrol stations, movie theaters etc.
For purchases above AED 100, the card will have to be swiped or inserted into the point of sale terminal and your signature is still required.
Up to what value of transaction can this card be utilized in a contactless environment?
You can use up to AED 400 in a contactless environment with no single transaction exceeding AED 100. Once you have exhausted this limit, the next time you try to use your card, you will be asked to swipe/dip the card at the terminal for replenishing your contactless limit.
What if the card gets damaged or lost or stolen?
In the event that your card is damaged or lost or stolen, you are requested to report it immediately to ADCB on 8002030 or call us collect on +971 2 6210090 and we will replace your cards. This notification will prevent future authorization of transactions made on your card.
Does issuance of this card mean an extra limit on my card?
This card is being issued as an add-on card and therefore the limit on this card will be the same as on your primary card i.e. there is no additional limit assigned with this card.
Will I benefit from ADCB Pearls?
Yes you will continue to enjoy ADCB Pearls on all retail transactions made using your ADCB Flash MasterCard.
Will there be accidental payments/reading of cards in my wallet?
ADCB Flash MasterCard incorporates the latest anti-collision technology which can detect other signals so if you've got multiple cards in your wallet, or even multiple technologies, the reader will actually not read any card and the terminal will prompt you to tap only the card of your choice
Will I get an additional statement?
No, since this card is being issued as an add-on card to your existing primary card you will not be getting a additional statement. All transaction details on your ADCB Flash MasterCard will appear on your consolidated statement under that card number.
Can I get ADCB Flash MasterCards for my family members?
At present these cards being issued to selected members.
Will I get ‘Chip’ Rewards with my ADCB Flash MasterCard?
The Flash Card will not provide ‘Chip’ Rewards at this point in time, but you can continue to enjoy ‘Chip’ Rewards on your ‘Chip’ Credit Card.
Do I have to pay any fees to get my ADCB Flash MasterCard?
At present this card is being issued with no annual fee.