FAQs - Debit Cards

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Information about the new ADCB Chip and PIN Debit Card

1. What is the ADCB Chip and PIN Debit Card all about?

   As part of our commitment to provide you safe and secure banking services, we are pleased to introduce the new ADCB Debit Card, enabled with Chip and PIN technology. Your new Chip and PIN enabled ADCB Debit Card will replace your existing ADCB Debit Card.

   The main difference between your old Debit Card and the new Chip and PIN Debit Card is that you will now use your PIN to make payments instead of signing a receipt.

   Please note that your existing ATM PIN will remain the same and you can continue to use it in ATMs as usual.

2. What does ADCB Chip and PIN Debit Card do?

   The new chip securely stores confidential information making the transaction more secure. Just like a PIN is required for transacting at the ATM, PIN would be required to be keyed in to authorize a purchase / transaction at the sales counter/ Point of Sale.

   The ADCB Chip and PIN Debit Card is a Debit/ ATM chip card offering you greater flexibility and payment convenience in your everyday life.

   • It can be used as a payment card (instead of cash / cheques) and as an ATM card.
   • When used as a payment card it debits the payment amount from your savings/current account for your day to day purchases of goods and services within and outside the UAE. The primary account will automatically get debited for the amount of the purchase.
   • It also provides access to ATMs for cash withdrawals and other enquiries like any other Debit Card.

   Use your ADCB Debit Card for paying for youer groceries, shopping, dining, travel tickets, school fees or any other payments while continuing to take advantage of its numerous features and benefits.

3. Can the new ADCB chip and PIN debit card be used for everyday shopping?

   The new ADCB Chip and PIN Debit Card works in the same way as your existing debit card. It is accepted at shops, restaurants and the majority of retail outlets in the U.A.E. and worldwide. While number of merchants will have the capability to insert your chip and PIN debit card into a point-of-sale terminal that reads information from the chip on the front of the card, some Merchant /retail outlets will continue to swipe your ADCB Chip Card at the Point Of Sale using information from the magnetic strip on the card, thereby requiring you to sign to authorize the transaction.

4. Is the selected Personal Identification Number (PIN) same for purchases at the Point of Sale (POS) as well as at the ATM?

   Yes, the PIN is the same for both the purchases at the Point of Sale (POS) as well as at the ATM

5. If I change my PIN, will it be applicable for both the purchases at the Point of Sale (POS) as well as at the ATM?

   Yes, the new selected PIN will be applicable for both the purchases at the Point of Sale (POS) as well as at the ATM

6. What will happen if the incorrect Personal Identification Number (PIN) is keyed in?

   The Chip and PIN facility is to help you safe guard the transaction and provide a more secure transaction facility. Failure to input the correct PIN may render the card not being eligible for further usage. Please remember your PIN.

Information about the new ADCB Chip and PIN Debit Card with PayPass Technology

1. What is ADCB PayPass Debit Card?

   The ADCB Debit Card with MasterCard® logo also offers you a ‘contactless’ way of making payments using the patented PayPass™, technology from MasterCard® Worldwide. It is a 'contactless' way to pay for purchases generally of transactions upto a value of AED 100* without asking for PIN or signature. For purchases of higher value transactions, the contactless reader will prompt for either the PIN or signature or the card will have to be swiped or inserted at the point of sale terminal and your PIN or signature is still required.

   *This amount is subject to change and may differ from country to country and even from POS to POS terminal in the same country / UAE.

2. How is it different from other cards?

   Unlike other cards that you need to swipe or dip to complete a transaction, you simply tap your ADCB debit card with MasterCard® logo on the PayPass™ reader at select merchant outlets to complete your transaction.

3. How do I benefit as a customer?

   It is designed to provide a quick and easy payment method, thereby improving your shopping experience. It also provides you with better record keeping of all your purchases than using cash for those small everyday items.

4. Where will my ADCB MasterCard® PayPass™ Debit Card work / will it work on PayPass™ readers across the globe?

   Your ADCB MasterCard® PayPass™Debit Card will work at all merchant establishments that display the MasterCard® PayPass™ logo. You can identify the merchant outlet which displays the symbols below:

   

5. Will my debit card work on terminals which display only MasterCard® logo but does not display PayPass™?

   Yes. The debit card can also be used to make payments by the conventional method of swiping or dipping at all merchant establishments that accept MasterCard® cards.

6. Will the transactions conducted appear on the statement?

   Yes, the transactions performed using your ADCB MasterCard® PayPass™ Debit Card will appear on your statement.

7. Can I get ADCB MasterCard® PayPass™ Debit Cards for my family members?

   Yes, if the Primary Debit card is an ADCB MasterCard® PayPass™ debit card, you can get up to 5 supplementary debits linked to your account.

8. Is the signature requirement waived for my ADCB MasterCard PayPass Debit Card purchases? Is there a limit?

   ADCB MasterCard PayPass Debit Card transactions are designed for purchases up to AED 100* per transaction in UAE. To ensure these types of transactions are simpler and more convenient, participating merchants may waive the signature requirements for authorized small-value transactions while still receiving a guarantee of payment for that purchase. For purchases above AED 100, the card will have to be swiped or inserted into the point of sale terminal and your signature or PIN would still be required.

   *The value may differ from country to country and from POS terminal to POS terminal in UAE as well.

9. Is it safe?

   Yes, with secure encryption technology, PayPass is as safe as your regular card.

Type Of ADCB Chip and PIN Debit Cards

1. At ADCB, we have designed different products to meet different requirements of our customers.

   The following are the different Debit Cards linked to the type of account opened: 

   • Easy Pay Debit Card Details
   • Privilege Club Debit Card Details
   • Excellency Premium Debit Card Details
   • Etihad Guest Above Aspire Card Details 
   • Etihad Guest Above Privilege Club Card Details
   • Etihad Guest Above Excellency Card Details

Getting Started

1. How do I get started once I have received my card?

   Two simple steps

   1. Activate
   2. Select your ATM Personal Identification Number (PIN)

2. How do I activate my ADCB Chip and PIN Debit Card?

   To activate your ADCB Chip and PIN Debit Card:

   1. SMS ACT space last 6 digits of your card number to 2626 OR
   2. Call
      800 2030 if you are an Easy Pay Debit Card or Etihad Guest Above Aspire Card holder
      800 8008 if you are a Privilege Club Debit Card or Etihad Guest Above Privilege Club Card holder
      800 2004 if you are an Excellency Debit Card or Etihad Guest Above Excellency Card holder

3. What happens if I do not activate my ADCB Chip and PIN Debit Card?

   If you do not activate your ADCB Chip and PIN Debit Card, you will not be able to enjoy the convenience of making payments or using it for cash withdrawal at the ATMs.

4. How do I select / change my ATM PIN?

   1. Visit any ADCB ATM OR
   2. Call
      800 2030 if you are an Easy Pay Debit Card or Etihad Guest Above Aspire Card holder
      800 8008 if you are a Privilege Club Debit Card or Etihad Guest Above Privilege Club Card holder
      800 2004 if you are an Excellency Debit Card or Etihad Guest Above Excellency Card holder

5. Who else knows my PIN and is it safe to reveal it to anyone?

   No one other than yourself knows your PIN and you should never divulge your PIN to anyone including Bank staff and Merchants.

General

1. To which account will the Chip and PIN Debit Card be linked to?

   • The Chip and PIN Debit Card will be linked to primary account which can be linked to upto ten accounts. For cash transactions, you will have the option of choosing which account to withdraw cash from. This option is only available on ADCB ATMs.
   • For retail transactions, the primary account is automatically selected.

2. Can I get add on (supplementary) cards?

   Yes, you can get up to 5 supplementary cards linked to your card (primary card)

3. Are the supplementary cards linked to my primary card account?

   The supplementary cards are linked to your card (primary card)

4. How do I apply for the supplementary cards?

   • You may apply for the Debit cards by completing and submitting the Application Form online or by handing the form at any ADCB branch.

5. How will the card/s be delivered to me?

   • The card will be delivered to you either by mail or by courier at the address as per ADCB’s records provided by you.
   • The supplementary card/s will be delivered to you (primary card holder) either by mail or by courier at the address as per ADCB’s records provided by you.

6. Will my purchase transactions carried out on the debit card appear on the Account statement?

   Yes, the transactions will appear under your Account statement. The Account statement will be sent to the primary account holder at regular intervals.

7. Do I have to sign on the signature panel on the back of the card?

   • For your own security, you are required to immediately sign on the signature panel on the back of the card, by using a ball point pen upon receipt of your new card, as this signature will be used for transaction verification at the Point Of Sale (Merchant / Retail Outlets).

8. How do I update my contact details?

   You can update your contact details through any of the following channels:

   • ADCB@ctive (Personal Internet Banking)
   • Call
     800 2030 if you are an Easy Pay Debit Card or Etihad Guest Above Aspire Card holder,   
     800 8008 if you are a Privilege Club Debit Card or Etihad Guest Above Privilege Club Card holder,   
     800 2004 if you are an Excellency Debit Card or Etihad Guest Above Excellency Card holder
   • Walking into a branch and submitting a duly signed letter

9. How do I select / change my Telephone banking Personal Identification Number (TPIN)?

   To activate phone banking services you must select a TPIN. To select your TPIN

   • Call
   800 2030 if you are an Easy Pay Debit Card or Etihad Guest Above Aspire Card holder
   800 8008 if you are a Privilege Club Debit Card or Etihad Guest Above Privilege Club Card holder
   800 2004 if you are an Excellency Debit Card or Etihad Guest Above Excellency Card holder

10. How do I register for ADCB@ctive Personal Internet Banking?

    To register for ADCB@ctive Personal Internet Banking you must

    • Visit www.adcb.com
    • Click “Register”
    • Follow the instructions for online registration

Benefits

1. What are the benefits of the ADCB Chip and PIN Debit Card?

   - Details

2. What are the benefits of the ADCB Privilege Debit Card?

   - Details

3. What are the benefits of the ADCB Excellency Premium Debit Card?

   - Details

4. What are the benefits of the Etihad Guest Above Aspire Card?

   - Details

5. What are the benefits of the Etihad Guest Above Privilege Club Card?

   - Details

6. What are the benefits of the Etihad Guest Above Excellency Card?

   - Details

Usage

1. When can I use my ADCB Chip and PIN Debit Card at the ATM?

   You can use the ADCB Chip and PIN Debit Card immediately at the ATM on activation of the card and selection of the ATM PIN.

2. When can I use my ADCB Chip and PIN Debit Card at the Merchant / Retail Outlet or Point of Sale?

   You can use the ADCB Chip and PIN Debit Card immediately at the Merchant / Retail Outlet or Point of Sale on activation of the Chip and PIN Debit Card.

3. Do I have to sign on the signature panel on the back of the card?

   For your own security, you are required to immediately sign on the signature panel on the back of the card, by using a ball point pen upon receipt of your new card, as this signature will be used for transaction verification at the Point Of Sale (Merchant / Retail Outlets).

4. How do I use my ADCB Chip and PIN Debit Card for purchases at the Merchant/Retail outlet or Point Of Sale (POS)?

   Using the ADCB Chip and PIN Debit Card for purchases at a retail /merchant outlet or at the Point Of Sale (POS) is very easy and convenient too!

   • The terminal at the Merchant / Retail outlet will determine whether the debit card requires the PIN or a signature.
   • In case the terminal determines the PIN is to be keyed in for purchases then all you have to do is:
     • Insert the Chip and PIN debit Card into the chip reading terminal instead of being swiped. It remains inserted throughout the transaction.
     • The terminal will display the purchase amount and request your PIN.
     • Follow the prompts on the terminal, when requested to do so, key in your PIN for purchases/ATM on the keypad. Please be careful when keying in your PIN as you would using at an ATM
     • If the PIN is confirmed and the purchase is approved, a receipt is printed.
     • In most cases, no signature is necessary.
     • Once the transaction is completed, the terminal will prompt you or the cashier to remove the Chip Card. Take your Chip Card and don’t forget your shopping!
     • The result is a more convenient and a secure payment transaction! 
        
   • In case the terminal determines signature requirement for purchases then all you have to do is:
     • Present your ADCB Chip and PIN Debit Card at the payment counter after you have purchased your goods.
     • The merchant will swipe your card for your purchase amount. This amount will get deducted from your ADCB bank account.
     • The merchant will give you a charge slip which you will need to sign
     • Check the amount on the charge slip before signing it to ensure it matches the amount for which you have bought the goods / paying for. The merchant will keep the original charge slip and return a copy to you for your records

5. How do I use my ADCB Chip and PIN Debit Card at a retail outlet?

   Using the ADCB Chip and PIN Debit Card at a merchant outlet is very easy and convenient too! All you have to do is:

   • Present your ADCB Chip and PIN Debit Card at the payment counter after you have purchased your goods.
   • The merchant will swipe your card for your purchase amount. This amount will get deducted from your ADCB bank account
   • The merchant will give you a charge slip which you need to sign
   • Check the amount on the charge slip before signing it to ensure it matches the amount for which you have bought the goods / paying for.
   • The merchant will keep the original charge slip and return a copy to you for your records.

6. Can my ADCB Chip and PIN Debit Card be used outside the UAE for purchases and cash withdrawals?

   Yes, your ADCB Chip and PIN Debit Card can be used outside the UAE for purchases as well as cash withdrawals.

7. Can I use the ADCB Chip and PIN Debit Card over the net to make online purchases?

   No. The ADCB Chip and PIN Debit Card cannot be used over the net to make online purchases.

8. Are there any transaction limits for the ADCB Chip and PIN Debit Card?

   Yes, there are transaction limits set on your card for your security. The ATM limit for your ADCB Chip and PIN Debit Card is as follows:

   • ATM Cash Withdrawal limit per day for Easy Pay Debit Card and Etihad Guest Above Aspire Card: AED 10,000/-
   • ATM Cash Withdrawal limit per day for Privilege Club Debit Card and  Etihad Guest Above Privilege Club Card: AED 15,000/-
   • ATM Cash Withdrawal limit per day for Excellency Debit Card and Etihad Guest Above Excellency Card: AED 20,000/-

   Above limit is subject to available balance in your account and may vary.

Charges

1. Are there any charges for using the ADCB Chip and PIN Debit Card at an ATM?

   There are no charges for using your card at ADCB ATMs. Charges apply for using your card at non-ADCB ATMs and for cash withdrawals outside the UAE.

2. Are there any charges for using the card for making payments at merchant / retail outlets?

   • ADCB does not levy any charges for making payments using the ADCB Debit card.

3. Do merchants / retail outlets charge extra amount for paying with the ADCB Chip and PIN Debit Card?

   • Most merchants / retail outlets do not charge any extra amount for paying with the ADCB Chip and PIN Debit Card. However, there are certain categories, like jewellers, that may charge an extra amount for paying with the ADCB Chip and PIN Debit Card. The amount charged varies from merchant to merchant.

4. Is there any annual membership fee payable for the ADCB Chip and PIN Debit Card?

   • No. There is no annual membership fee payable. ADCB Chip and PIN Debit Card is absolutely free.

Validity

1. For how long is my ADCB Chip and PIN Debit Card valid?

   • The ADCB Chip and PIN Debit card is valid up to the last working day of the month indicated on the card.

Lost / Stolen / Damaged Card

1. What should I do if the Debit card (primary / supplementary) is lost /stolen or damaged?

   You should immediately inform our 24 Hour Contact Centre on
   
   800 2030 if you are an Easy Pay Debit Card or Etihad Guest Above Aspire Card holder
   800 8008 if you are a Privilege Club Debit Card or Etihad Guest Above Privilege Club Card holder
   800 2004 if you are an Excellency Debit Card or Etihad Guest Above Excellency Card holder
   
   A new card will be issued to you and the applicable replacement fee will be charged to your account. The new card will be delivered within 7 days, at the billing address available on ADCB’s records.
   
   Please Note: Once the card has been reported lost or stolen (in case you find it) / damaged it will be blocked and hence the card should not be used.

2. What happens to the transactions on the existing card when the card is replaced?

   • All the transactions will get automatically transferred to the new card account.

3. Will the TouchPoints that I had earned and not redeemed on the card prior to reporting the card lost / stolen / damaged be transferred to the new account?

   • Yes. Your TouchPoints will be transferred to your new card account.

4. Will the Etihad Guest Miles that I have earned and not redeemed on the card prior to reporting the card lost / stolen / damaged be transferred to the new card account?

   • Yes. Your Etihad Guest Miles will be transferred to your new card account.

Rewards / Offers

1. How can I earn TouchPoints with my ADCB Chip and PIN Debit Card?

   You can earn TouchPoints by simply making purchases using you Chip and PIN Debit Card.
   

   For details, please click here
   
   Please note that TouchPoints are not rewarded on usage of Etihad Guest Above Debit Cards.

2. How can I earn Etihad Guest Miles on my Etihad Guest Above Debit Card?

   It is simple. All you need to do is start using your Etihad Guest Above Debit Card for all your purchases and you will start gaining miles.

   ADCB offers you Etihad Guest Miles for the retail purchases made using the Etihad Guest Above Debit Card. For details, please click here.

Closure Of Account

1. Do I have to return the card/s if the account has to be cancelled?

   Yes, the cards (including supplementary card/s if any) have to be returned to us. Kindly cut the card in two and mail it to
   Central Processing Department, P.O. Box 939, Abu Dhabi.