FAQ Islamic - ADCB Debit Cards (2024)

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

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.

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

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

The new ADCB Islamic Banking 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 Islamic Banking 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.

Yes, the PIN is the same 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

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.

The ADCB Islamic Banking 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 up to a value of AED 300* 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.

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

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.

Your ADCB Islamic Banking MasterCard® PayPass™Debit Card will work at all merchant establishments that display the MasterCard® PayPass™ logo.

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.

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

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

ADCB Islamic Banking MasterCard PayPass Debit Card transactions are designed for purchases up to AED 300* 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 300, 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.

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

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

• Titanium Debit Card
• Privilege Club Platinum Debit Card
• Excellency Platinum Debit Card

Two simple steps

• 1. Activate your Debit Card
• 2. Select your Personal Identification Number (PIN) for retail purchases and cash withdrawal.

In case of account/segment transition, please activate your new debit card within 60 days of receipt to enjoy the full list of benefits attached to your card.

If you do not activate your ADCB Islamic Banking 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.

To activate and set PIN

SMS ACT space last 6 digits of card number space 4 digits of your choice for PIN to 2626 For example: ACT 123456 7854

Please note that you need to send the SMS from your registered mobile number on ADCB Islamic Banking’s records.

OR

• Login to ADCB Personal Internet Banking if you have registered to ADCB Personal Internet Banking

OR Call

• 600 56 2626 if you have a Titanium Debit Card
• 600 50 8008 if you have a Privilege Club Platinum Debit Card
• 600 50 2004 if you have an Excellency Platinum Debit Card

Please note that only you as the primary cardholder can activate and set /change the PIN for the supplementary card.

In case of account/segment transition, please activate your new debit card within 60 days of receipt to enjoy the full list of benefits attached to your card.

If you do not activate your ADCB Islamic Banking 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.

To activate and set PIN

• SMS SETPIN space last 6 digits of card number space 4 digits of your choice for PIN to 2626 For example: SETPIN 654321 2341

Please note that you need to send the SMS from your registered mobile number on ADCB Islamic Banking’s records.

OR

• Login to ADCB Personal Internet Banking if you have registered to ADCB Personal Internet Banking

OR Call

• 600 56 2626 if you have a Titanium Debit Card
• 600 50 8008 if you have a Privilege Club Platinum Debit Card
• 600 50 2004 if you have an Excellency Platinum Debit Card

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

• 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.

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

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

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

• The card will be delivered to you either by mail or by courier at the address as per ADCB Islamic Banking’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 Islamic Banking’s records provided by you.

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

• 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).

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

• ADCB Personal Internet Banking
• Call
  600 50 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

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

• Call
600 50 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

To register for ADCB Personal Internet Banking you must

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

Detail

Detail

Detail

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

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

Using the ADCB Islamic Banking 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 o 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 Islamic Banking 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 ADCBIslamic Banking 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

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

• Present your ADCB Islamic Banking 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 Islamic Banking 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.

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

Yes. The ADCB Islamic Banking Chip and PIN Debit Card can be used over the net to make online purchases. Please click here for additional information

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

• ATM Cash Withdrawal limit per day for Titanium Debit Card: AED 30,000/-
• ATM Cash Withdrawal limit per day for Privilege Club Platinum Debit Card: AED 40,000/-
• ATM Cash Withdrawal limit per day for Excellency Platinum Debit Card: AED 80,000/-

Above limit is subject to available balance in your account and may vary. The amount / limit may differ from country to country and even from ATM to ATM in the same country / UAE.

Yes. The online transaction count and the usage limit varies based on the debit card type and is subject to the available balance in your account. It will be capped at whichever limit has been met.

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.

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

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

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

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

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

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

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

ADCB Islamic Banking offers you TouchPoints rewards for the retail purchases made using the ADCB Islamic Banking Debit Card.

For details, please click here

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

For details, please click here

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

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.

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.