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Frequently Asked Questions – ADCB Chip & PIN Credit Cards
What is Chip and PIN?
Chip and PIN is a card payment system that provides an extra level of security. You’ll be glad to know that your new ADCB Credit Card is Chip and PIN enabled. This means you will be required to enter your PIN (Personal Identification Number) to complete your transactions – giving you increased security when paying with your card.
Why is creating a PIN important?
With Chip and PIN enabled cards, you are required to use your PIN when making purchases. The PIN you create will be your unique 4-digit secret code that is known only to you. This added security feature will reduce chances of fraud on your card. Your PIN should be kept safe at all times and should not be shared with anyone including ADCB bank representatives.
How can I create or change my PIN?
To create or change your PIN, please SMS ‘ACT <space> last 6 digits of your card number <space> 4 digit PIN (Personal Identification Number) of your choice’ to 2626.
Example: ACT 123456 7899
How can I create or change my PIN through Phone Banking?
- Call us on 800 2030 from your registered mobile number
- Select 8 to activate your card and set up your PIN
- Please follow the steps outlined during the call to create or change your PIN
When do I need to use my PIN?
When you are shopping, the cashier will have a Chip and PIN machine. The following steps are how you typically pay for your purchases:
- Hand over your ADCB Credit Card to the cashier, who will insert it into the machine.
- The cashier will key in the correct payment amount.
- After confirming the amount, the cashier will hand over the machine to you.
- You will be asked to enter your PIN. Before doing so, we highly advise you to check that the cashier has entered the correct payment amount, and ensure no one is looking at your PIN while you are keying it in.
- Once your PIN has been accepted, a transaction slip will be printed.
- Your card will then be handed back to you.
Will I be asked for my signature?
Occasionally the cashier may ask you to sign on the receipt even though you have used your Chip and PIN enabled card. Don’t be concerned when this happens; it’s only because the machine used by the cashier is not fully ready for Chip and PIN transactions.
What if the shop does not have a Chip and PIN machine?
Some retailers still do not have the new Chip and PIN machines. When this happens, your card’s magnetic strip will be swiped and you will be asked for your signature. However, more and more outlets will introduce Chip and PIN machines.
What if someone asks me for my PIN?
Your PIN should be kept secret at all times and should never be revealed to anyone. We highly encourage you not to write it down. If you think someone knows your PIN, please contact us immediately. We and our representatives will never ask you to reveal your PIN in any situation.
Won’t people easily be able to see me enter my PIN on the PIN machine?
We recommend you shield the PIN keypad whenever you enter your PIN. It is very important that only you know your PIN.
Will I be held liable if my Chip and PIN card is lost or stolen?
You should immediately notify us if your ADCB Credit Card is lost or stolen. We will block the card for future usage and you will not be held liable for any misuse with the card from thereafter.
Can I use the same PIN as that of my ADCB Debit Card?
Yes, you can use the same PIN as that set up for your ADCB Debit Card. However, you will need to set up you PIN for your Credit Card by following the simple steps indicated in Point Number 3. it is advisable to keep different PINs for your Credit and Debit Cards for security purposes.
Will the Credit Card PIN be the same for purchases as well as cash withdrawals?
Yes, your ADCB Credit Card will have one PIN that can be used for cash withdrawals at ATMs and purchases at retail stores.
I had previously set a PIN on my Credit Card. Do I need to set a PIN again?
No you do not require to set a PIN if you have already set one earlier. You will be able to use the same PIN as you have now. However, should you wish to change your PIN, you will be able to do so by following the simple steps indicated in Point # 3.
Will my supplementary card require a separate PIN?
Yes, your supplementary credit card will require a separate PIN, which can be set up through SMS. Please SMS ‘ACT <space> last 6 digits of your supplementary card number <space> 4 digit PIN (Personal Identification Number) of your choice’ to 2626.